Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone used my social security number to open a Bank of America credit card under my name WITHOUT my permission. I believe this to be identity theft. Also used an address that I have never lived at before. I do not associate with address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX fl XXXX. This is not my address and has never been my address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33461
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I was supposed to receive a wire transfer from a customer. The customer sent a wire transfer from their bank in XXXX on XX/XX/2023 in the amount of {$1200.00} USD that was to be delivered to my business account in the United States. They forwarded the transaction reference number to me and asked me to confirm with them when the money was received. I have not received the money in my business account. I have been to my bank two times to ask them to help me locate the funds. All they show is nothing has been delivered and nothing was declined. Bank of America has not tried to forward the money to my account. Today is XX/XX/2023 and I still have not received the money in my account. The money that was sent from XXXX used Bank of America to forward the funds to my bank however, Bank of America did not forward the funds to my bank. I do not have an account with Bank of America and so I can not speak with a live person when I call their numbers listed for contacting them for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83338
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Walked into brick and mortar location to handle this and still on my credit report. Account settled years ago. For XXXX dollars on a secured account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was being charged maintenance fees when I was getting direct deposit when I went into the bank I requested those fees to be refunded I was told that I can only get one payment back when they charge me at least four months of monthly maintenance charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18042
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Called the company about an hard inquiry and was told they can't removed it. I informed them I've never applied to their company. I was hung up on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: opened two business accounts at Bank of America online I order two cards one for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XXXX XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back. As a response to complaint filed on XX/XX/ they totally disregarded the request for information and refused to address the individual complaint at hand that had absolutely nothing to do with their response in efforts to minimize responsibility
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: My signature was forged on fraudulent activities in my account this happened in 2019 from what the report says. They ended up closing my account resulting in me not having an account with them anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To : Consumer Financial Protection Bureau. Date XXXX XX/XX/2023 Subject : Bank of America ATM failed to deposit money to savings account and did not returned the money Hello my name is XXXX XXXX. Yesterday XX/XX/2023 at approximately XXXX XXXX XXXX XXXX. I deposited {$4200.00} in cash to my savings account ending in XXXX at a Bank of America ATM. The ATM ID is XXXX and it is located at this address XXXX XXXX XXXX XXXX, XXXX, CA XXXX. The ATM malfunction and displayed a transaction error and did not return my money or provide me with a receipt. I proceed to check my savings account and it did not show that my money was deposited. In an attempt to have some type of record ; I deposited {$300.00} to my checking account to capture the time and date to have an approximation of the time for the previous transaction. This transaction was successfully completed and I have attached that receipt to this complaint to provide you a narrow window to facilitate your investigation. I immediately contacted the costumer support of Bank of America and submitted a claim at approximately XXXX XXXX XXXX XXXX. The Claim ID is XXXX. I was told by the representative of Bank of America that it would take their Financial Investigation Unit 2 to 10 days to provide me with a credit in the amount of {$4200.00} and it could take them as long a 45 days to complete the process. I contacted the costumer support of Bank of America again at approximately XXXX to see if I could get a copy of my transactions from the representative as the previous representative explained that there was a record of a deposit transaction but it in their system it showed as {$0.00}. When I asked the representative, if he could email me this information he refused. The ATM has a camera and it would be easy for them to see that I indeed made this deposit. As it was after XXXX and the bank had already closed ; I had no recourse but to wait until XX/XX/2023 to speak with the XXXX in person. I stopped by today XX/XX/2023 at the aforementioned Bank of America location and spoke with a manager. The manager explained that there is nothing that they can not due to help and that I have to wait until Bank of America decides to give me my money back. They explained that by Federal regulation they can wait until the 10 days and then they are forced by law to credit my money to me. As I did not find this answer satisfactory, I contacted the Bank of America Claims Department at XXXX. I spoke with XXXX who again repeated the same information and then escalated my claim as an emergency status as I explained to them that I need this money to pay my bills. I then requested to speak with a supervisor. XXXX who is XXXX 's supervisor, proceeded to tell me that their Financial Investigation Unit does not have a contact number and that, if my claim was deemed worthy of the emergency status it would take them up to XXXX hours to credit me my money. I have to wait for their response as they say they can not help. I explained to XXXX that this was not satisfactory and that as a costumer the burden is put on my even thought it was their equipment that malfunction and they are holding my money XXXX and if they decide that they are not going to give me my money back they can do that as well. I also proceeded to contact the Bank of America Credit Card Department as I was going to use this money to pay for my credit card. The representative XXXX told me that there was nothing they can do to help at this time and that I would have to wait until I was late on my payment and then they could help me, mean while Bank of America would still penalize me for being late and then maybe if they deemed that it was their mistake they would wave the fees but that this could also affect my XXXX XXXX in a negative way. Very respectfully, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95695
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX I went to get gas from the XXXX station at XXXX XXXX XXXX XXXX, PA XXXX. At the station there was an individual that asked to pump my gas and would not leave me alone when I said no. I put {$20.00} worth of gas in the tank of my XXXX XXXX XXXX, the only car I own, replaced the pump and left the station. The evening of XX/XX/XXXX, I noticed a charge of {$170.00} on my Bank of America credit card account. Suspecting that the individual somehow used my card details to steal {$150.00} worth of gas, I called Bank of America to report the fraud. I was told that the charge was likely just a hold placed by the gas station and I could not file a claim until it posted. When it later posted, I called back and filed my claim on XX/XX/XXXX ( initial letter from BoA attached ). I subsequently filed an official report with the XXXX police department reporting the fraud on XX/XX/XXXX ( document attached ). I received no further contact from Bank of America, until I received a charge for the full {$170.00} that was fraudulently charged to my account on XX/XX/XXXX. I did not receive any explanation at all until I received a " Resolution Letter '' on XX/XX/XXXX. The only explanation for this was that the chip of my credit card was read at the gas station, which was never in dispute and was reported to the bank at the start of the dispute process ( document attached ). My vehicle can not even physically hold that amount of fuel, I do not own any other automobiles or other gas powered vehicles. I did not authorize any other person to utilize my card to make additional purchases past the initial {$20.00} amount. There is no history of myself ever making a gas purchase of anywhere near that amount on any account I own, including the account in question. Due to the failure of either the merchant or bank to prevent this fraud from occurring, I should not be responsible for the extra charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19119
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My credit report is showing late payments to BANK OF AMERICA NA XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or BANK OF AMERICA 's customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A