Date Received: 2023-09-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: Fraud scam on money transfer from bank to XXXX XXXX Claim number- XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89156
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: Hello, I have Opened 2 Account with bank of America, and the When i get bounced checks, they will charge me The fees of bounced checks and over drafts many times-maybe 5 or more times until i bring the balance above, and when I have compained about it they closed my both account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60459
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Was in an accident and was in hospital for several months. Did not receive my information on payment. Once I was better I paid off the amount owed. Recently tried to dispute so that my credit can be clear, however it was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, so Bank of America froze my account that I had several XXXX dollars in it and I was also using it to get my taxes deposited to and they kept my tax return also and that was several XXXX also. This was from XXXXXXXX on my personal checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Im extremely concerned because its the same time happening in less than 3 months that Bank of America hold my funds with the excuse the policy when its the same check company for more than 3 years this its concerned me like a costumer why Bank of America its holding costumer funds for so long when we trust to deposit our money in their bank, I demand Bank of America release my fund immediately oh I escalate this situation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX XXXX Bank of America withdrawn money ( {$4800.00} ) from my checking account and paid a credit card without my authorization and refused to refund it back after admitting their mistake. my checking balance end up negative during XXXX XXXX weekend and I had no money to take of my family during this holiday. I went to B of A branch on XXXX XXXX but they couldn't help. they offered to mail a check which will take 5-7 business days but I refused because it's my money and I need it right away for the holiday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open consumer credit plan as late for any purpose. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK OF AMERICA : ( XXXX XXXX XXXX ) BANK OF AMERICA : ( XXXX XXXX XXXX ) - 2 payments missed reported
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: In XX/XX/2019 I was issued at EDD debit card to Bank of America I soon after I was XXXX due to a traffic violation I serve time recently coming home I acknowledged that EDD unemployment was making payments to me which is money I earned through Bank of America into my account with somehow or being used unauthorized and fraudulently and pretty much my money was stolen from me throughout those years of being XXXX amount of XXXX approximately was taken from me which was paid to me I did not authorize the charges furthermore there was three debit cards issued to that account after I was gone which I didn't authorize or ask for and my money was stolen from me I asked that you help reinvestigate to see that my money is credits to my account and giving back to me thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I had opemed an account in XXXX many years back. It was my first account after having my junior savings account stolen as a minor. I mistakingly when i lost my job i looked for another online thats when i was given the offer online to start work. Which came with a check and orders to start work immediatly as the checkn was for my paycheck and for " supplies '' to begin work. I regrrtfuly deposited the check and pulled out the initial XXXX which was under what they were expecting me to pull out. At which point they said to send the money threw XXXX XXXX in order to pay for services of another company to clean the property. It wasnt. Till a week or so later that i wasnt told anything by bank of america i wasnt even told the check had bounced nothing they never tried to rectafy or even charge me for the negative balance they just compketly closed my account and said they were not offering me services anymore. And this was only after i had contacted them when trying to use my atm card to depsoite cash money from a legitamite sidejob that i had completed that day. Since then i have been unable to open an account at all with almost any bank. Also XXXX XXXX the company they shared there information which was invalid and incorrect has also caused me massive issues from being abke to access credit bank accounts or/and even from renting. As tbank of america stated that i never rectafied my account balcance and that it was closed with a negative balance but that was never the case. As i never recieved any information on the check in question or an explaination of what had happened or that i had a balance owed to me or that i owed to bank of america for the bad check.. I have tryed to cleae this up with them. More then one time and they have an account in my name but theree is no way to access such account. Ive been dealing with this and XXXX XXXX for years and its done nothing but ruin my life i despise bank of america for this and the fact they lied about everything. I was never charged for the bad check and what ever it was. i lost in more ways then one and got scammmed out of any job money and they never even spoke with me before closing and black balling me with no explaination or willingness to work with me.. That is the most. Angering thing is as i would of easily payed back the XXXX dollars from the initial check that was authoriezed to pull from the atm. And i could have continued my banking relationship with them and my life coukd of been so much easier if that was the case or they could of closed my account but without the negative balance that they would later charge or claim they charged me and informed on my credit report yhat i was delinquent of which was nothing farther from the truth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92324
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: Bank of America bought a bad loan. No one wants resolve more than I do. I wish I could stop BofA from coming after me. What BofA is intending is designedto hurt me. I am seeking fair administration of this case. BofA needs to slow down and be patient and not move against me with ferocious intent. I can't negotiate anything with them until this case settles. A party who is forced into a contract under duress like I was, can rescind the contract rendering it null & void. At the mortgage closing I was crying and kept repeating " this is the worst day of my life, over & over. '' It is the government 's right to protect the rights of US citizens. There is simply no recourse for those who don't have a significant retainer to have an attorney make this stop. Imagine losing everything that matters to you including your XXXX child. A debt collector is seeking to seize my home. I should be allowed to seek damages and a jury trial. I have suffered irreparable injury. I am seeking forbearanceto stop a foreclosure & eviction. A broker dealer provided access to a home loan that would have otherwise been unavailable to me with no work or credit history. He was the prohibited third party to the mortgage agreement and guaranteed the mortgage loan. Against the rules, he participated in a private transaction while under direct supervision of the firm. He exercised 'client unavailable ' for 90 days while I was XXXX . He guaranteed the mortgage loan without ongoing responsibility, and locked me into a subprime mortgage loan with the escrow, the protection, removed when I had enough to pay for the mortgage in full with plenty to spare. He put the down paymentinto a margin account. I had no work or credit history, no credentials & no distinctions. 100 out of 343 holdings in my portfolio could not be identified by the Department of Business Regulation. The securities regulator had no idea what they actually were. 58 out of 60 exception notices went unanswered. When the account transferred to another brokerage after nearly 4 months with an open margin balance, the holdings in the margin account with the mortgage, were rejected by the receiving broker for credit violation, the account was placed in margin deficitand forced liquidation. I have suffered harm including economic loss, physical and mental injury, and emotional suffering. I am a victim of financial malfeasance and abuse of power. I should be treated with compassion & respect for my dignity. I am entitledto the mechanisms of justice and redress for the harms I have suffered. The third party responsible should make fair restitution for their behaviors, including return of funds, reimbursement, payment for the harms and loss suffered. I am a victim here. I have the right to restitution, and the right to be treatedwith respect and dignity. I have the right to be protected & the right to be heard. I can not be forced to leave the one safe place I have created in this world. self-advocacy means speaking up for one 's self and one 's interests. I am XXXX. I also suffer from XXXX XXXX XXXX XXXX XXXX XXXX. I am XXXX in my daily living and must make adjustments to avoid exposure. I have created a safe, chemical-free living space and would not survive contaminants. Bank of America must take this seriously. I was going progressively XXXX in XXXX, and was treated by the XXXX of XXXX XXXX University who advised I would never see again. I suffer from progressively more XXXX XXXXXXXX XXXX XXXX to various consumer products. I need to be isolated from others and request BofA be mindful. Now that I have corrected the condition throughstrictvigilance, I can not risk going XXXX again. XXXX renders an individual vulnerable to be taken advantage of. I can demonstrate a pattern of harassment, defamation and abuse. I am seeking a diplomatic solution, Bank of America needs to stand down their intention and wait for justice to be served. I hope to protect my rights afforded to me by the US Constitution, to speak the truth and report the facts without fear of vicious and vindictive retribution of which most have no way to fight back. I am a victim of the subprime banking crisis and rising far right political forces. it should be prohibited to remove basic protections from me and punish me for something I did not do. I believe my rights have been violated and I requested an inquiry to make sure I receive justice, due process, fairness and respect and to receive restitution from the people who caused my losses and to be heard. I am seeking personal safety and seeing the perpetrators prosecuted for the ruin they caused. Fair housing is not an option, it's the law. it's up to the allergic person to ensure her own safety. XXXX crimes area social problem because they directly marginalize and target specific people. In XXXX prior to the signing of the mortgage agreement I was XXXX XXXX, harassed & robbed. I was ignorant of finance, which is not a crime. I had barely balanced a checkbook. I was on my own for the first time in my life & relied on a broker dealer to do the right thing by me. At that point I did not know who to trust. I had no professional certifications, designations, or credentials. I did not have an income or credit history. I had never worked. I inherited {$1.00} XXXX dollars. I never had money of my own before the intergenerational wealth transfer. I am old school, i pay by cash or check and use no credit or debit. I never had money and then I did. I don't think the broker dealer knew too much about the effect of what they were doing to me. If a system is in place to supervisory personnel looking for evidence of suitability and compliance violations which violate patterns and trends to manage suspicious activity what good is it if there is no one to follow through? Without follow up the control they are supposed to implement is rendered an ineffective method of exception reporting if no one does anything about it. I require financial support through court ordered restitution. My rights have been violated and I am entitled to certain rights according to federal law. I have the right to be protected from harm, the right to be treated equally under law, the right to non-discrimination, the right to a remedy, access to justice & due process rights. I am seeking personal safety and seeing the perpetrators prosecuted for the ruin they caused. I can not be forced to leave the one safe place I have created in this world. What Bank of America is intending is persecution designed to hurt me. BofA needs to slow down & be patient and not move against me with ferocious intent. I can't negotiate anything with BofA until this case settles. This is an urgent plea to protect the status quo. I will not allowBofA to destroy my life. I require a controlled green living space. My sensitivities raise a bouquet of legal issues and require accommodation. I am seeking forbearance to stop foreclosure & eviction. Bank of America needs to ensure my rights and put my safety first. BofA needs to slow down their intention and wait for justice to be served.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A