Date Received: 2023-09-08
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: MY BANK OF AMERICA MASTER CARD BILLING STATEMENT SHOWS THE NUMBER IN FULL ON THE MONTHLY STATEMENT AND PAYMENT COUPON. IF MY MAIL IS MISSDELIVERED, LOST OR STOLEN, I AM AT RISK FOR ID THEFT! I WENT TO A LOCAL BRANCH IN PERSON TO SAY THE ABOVE AND RECEIVED PABLUM BY WAY OF COMPANY RESPONSE. THE SOLUTION IS TO TRUNCATE THE CCN TO ITS LAST 4 DIGITS ON ANY PUBLIC FACING MAILINGS/CORRESPONDENCE, LIKE OTHER COMPANIES DO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98008
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate that's why I am reaching out to you. Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: A transaction from XXXX XXXX XXXX submitted a withdrawal from my checking account with B of A ending in XXXX on XX/XX/XXXX, the overdraft protection from my other checking account with B of A ending on XXXX, did not apply it to acct. XXXX as it was suppose to. This happened XXXX months in a row in XXXX but I just now found out that I could dispute this problem that B of A caused me at that time and recently as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: See attached. Get these panhandling frauds out of my email inbox. XXXX -- Vi XXXX XXXX XXXX, XXXX All Rights Reserved XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX Mobile : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al, to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX I was charged XXXX due to a claim made by avis that i owed for a car rental. Though XXXX claimed that i only owed XXXX which they claimed they never recieved in the first place after a few weeks after the ridiculous charge was made to my account, I had XXXX dollars in my account which made me overdrawn XXXX dollars. I repeatedly went back and forth with XXXX and XXXX XXXX XXXX to understand why I was 1. Being charged over the amount that was claimed by XXXX. 2. Why did they allow the charge to be authorized when I did not confirm this charge knowing I had XXXX dollars in my account and 3. Proceed to tell me they would reverse the charge because I didn't authorize it and continue to allow charges to go toward my account from avis when the card was canceled and the disputes I had made. I made claim after claim in regards to this issue and called plethora of times and have had the phone hung up on me as though I was not a customer of the company, which i am no longer due to the lack of professionalism, communication, and all around treatment by Bank of America they have stole my money charged me an unethical amount of money and stole my piece of mind when a bank handles any of our hard earmed money. As a nurse that has to work long shifts everydayi would expect my money to be authorizedby me and me alone in order to pay for any charge. I wish to take legal action due to the fraud that is at play with this company and what they are doing to other Americans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34982
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This problem is old with bank of america They charged me a lot of fees And after they closed my accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX : Fraudulent text alert. Customer immediately called Bank of America to stop any further fraudulent transactions. BOA representative said all transactions were stopped ( they were not ), submitted a claim for the amount rep found approximately {$250.00}. Rep assured costumer problem was taken care of. XX/XX/ : More fraudulent charges. Customer called BOA and spoke with 3 reps, who all saw different fraud transaction amounts but could not add up all transactions without the help of the customer 's detailed spreadsheet of transactions, names, and amounts. These transactions were added to the open claim after several hours of going through each transaction carefully. One claim totaled {$4500.00} at this point, another claim totaled {$660.00}. BOA assured customer the problem was now resolved. XX/XX/23 : Costumer checking account was credited. XX/XX/23 : Charges that were resolved are now being debited again from customer 's checking account. Customer spoke with approximately 8 BOA reps on the phone, receiving no helpful information. Customer went in person to local BOA banker to resolve issues. No resolution occurred, only more phone calls with no answers. Banker unable to place customer with a person in direct power and decision-making. Customer checking account now fully drained and overdrafted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79707
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 XXXX XXXX XXXX charged my card for {$500.00} which is an unauthorized transaction. I have contacted my bank on XX/XX/2023 because that {$500.00} was for the remaining amount of my Rent & Utilities. Were now in XXXX and I need the money back. I have faxed them proof supporting my dispute with Bank Of America for the {$500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78729
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed a dispute with Bank of America edd prepaid card services XX/XX/2023 for the amount of {$5200.00} for transactions posted on my account claim number XXXX I wasnt provided any provisional credit at any time and has been denied on more than XXXX separate disputes Ive repeatedly asked for documentation stating the reason why it was denied and till today XXXX XXXX I have yet to be able to receive any documentation where it would give me a reason why or how this decision was determined and was dealt with. As of my part I have provided them with a police report statements to my Bank of America account ending in XXXX and social security number ending in XXXX and written statements explaining and asking to match my information with the information of the account that the transactions were sent to and for some reason it has not benefited me in any way. Ive only received a letter from BofA where a resolution XXXX with the name of XXXX XXXX with phone number ( XXXX ) XXXX ext. XXXX is stating that they would be looking into my dispute and attempt to help. I have called and left XXXX messages and yet have I received a response back from any one of BofA I dont see why would they give me a number that has possibility to ever get through or even have the expectation of receiving a return call back. What I also would like to respond that why would my previous case with CFPB was closed by this specialist case number XXXX if I the consumer has not agreed with that decision and has not been credited my dispute I am demanding my return Ive stated XXXX never authorized that transaction and have provided documentation to show that I have no links to this transaction and if so to please show me in documents stating otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Bank of America decided to discontinue and convert all its XXXX XXXX XXXX XXXX to its XXXX XXXX XXXX XXXX on XX/XX/2023. Per their notice, " Your last XXXX XXXX XXXX Quarterly Cash Reward will be paid in XXXX ; however, if your account is open and you continue to make qualifying payments from XX/XX/XXXX through XX/XX/XXXX, we will reward you with a one-time statement credit of {$20.00}. '' The fine print says it XXXX take up to XXXX weeks to post the final {$20.00} credit. XX/XX/2023 was the last day of the XXXX weeks from XX/XX/2023. However, the credit still had not been posted by this morning ( XX/XX/2023 ). A quick search on multiple social networks and online platforms demonstrated that none of the BofA customers had received the promised credit. When I contacted BofA customer care at the end of XXXX, the representative informed me that the credit would be posted by the end of XXXX, which never materialized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A