Date Received: 2023-08-30
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: I've been charged with late fees, return fees, when I always paid punctually. I've been charged for homeowner 's insurance when I always paid my homeowner 's insurance separately and provided proof. I've made numerous attempts to resolve this charge and sent certified mail with proof of coverage. I've requested accounting ledger and found several misapplied mortgage payments which created late fees when I complained about it, they sent a {$20.00} check which I did not cash because it doesn't satisfy the fees added and their response was that it would mess up accounting and tax paperwork for every year. I also tried numerous times to seek assistance with my arm loan where my rate fluctuates every 6 months and explanation of why my interest rate would be higher than market rates when rates were low but high when it was high and although I've read my loan and verified, I have a no lower than 6.49 % rate I have sought assistance and getting fixed rate I have excellent credit and on fixed income but never defaulted on my loan nor my taxes but yet I was always instructed to refinance my loan and then get denied or do not qualify. I've been ignored I've been discriminated against due to my hearing loss from XXXX. They don't care to truly assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: After a long wait, they said we cancel the credit card No explanation of who opened without my consent I suppose to pay them XXXX dollars annually Fort this credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am the Power of Attorney ( POA ) for XXXX XXXX XXXX! My POA was created by my Attorney, signed by XXXX XXXX XXXX, and legalized by a notary public! XXXX XXXX XXXX has checking and savings accounts with Bank of America. Thru XXXX and XXXX I have been attempting to create a Payment on Death ( POD ) account for the beneficiaries identified by the will. My first request to Bank of America created this response, " the bank is unable to review the POA because the POA presented does not reference any specific United States state or territory statutes. Please provide an Attorney Opinion letter with respects to governing law ''. My lawyer, who wrote the POA has never heard of an opinion letter, so what i did was i included the fact that the beneficiaries were born in the United States and resubmitted and the response from BoA was '' provide appropriate court documents, an Attorney Opinion Letter or statuary authority that allows the Attorney in fact to act on the behalf of the estate representitive. '' In between my 2nd and 3rd attempt I got a survey from the BoA and it was not a flattering response from me so i get a call from the bank manager telling me that he and his boss were going deal with issues that i have raised. Will that did nothing. So my 3rd attempt generated this response from BoA, Unfortunately we're unable to accept the POA that you presented to act on behalf of XXXX XXXX XXXX. WE believe in good faith that the POA isn't valid and doesn't have the authority to perform the act requested '' I have sent the BoA the WILL, XXXX XXXX 's death cetificate and the POA. My POA has been accepted by other institutions without any issues at all! BoA says contact your lawer! My lawyer ( the one who created the POA ) is very agitated himself because the actions of the BoA, questioning his POA! " Has never happened before '' he says. The BoA just seems to be finding ways not to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01960
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 an unauthorized transaction of {$5300.00} appeared on my checking account. The transaction was named as 'XXXX XXXX XXXX XXXX '. I inquired the bank ( Bank of America ) about the fraudulent transaction claiming I didn't authorize such transaction and I have no accounts associated with XXXX XXXX. The following next day, another transaction of {$25.00} appeared on my checking account this time via XXXX under the name 'Child gift ' or E-gift. I contacted the bank about this transaction too. At this time, I realized that someone indeed has access to my login credentials or my debit card information. I deactivated my card and told them to send me the new one. Few days later I received a temporary credit for {$25.00} ( for 2nd claim of {$25.00} ). Following next day, I received an email for my first claim of {$5300.00} stating that they were not able to refund the amount. They listed four reasons that helped them for such decision one of which says that the payment was done through previously used device. I am confident that I am aware of all my devices and I would think twice before making such a huge transaction provided that my bank balance has never exceeded the total of {$6000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been charged multiple time with a XXXX XXXX fee for an overdraft charge. Say 2 charges were made which lead to my account being negative they have charged me twice. Which I can send my bank statements to prove and as well as them charging me every month for a maintenance fee which I wasnt charged until I was affected by a tornado at my job so I wasnt able to work which lead to me not being able to deposit much into my account but at least XXXX dollars was getting deposited into my account every week
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72223
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a check for {$6900.00} from XXXX and deposited the check on Saturday XX/XX/XXXX. I was told and received a slip stating that {$5300.00} would be available on Wednesday XX/XX/XXXX and the other {$1300.00} would be available XX/XX/XXXX. I then received an email that the funds would be held till XX/XX/XXXX. I called on Monday XX/XX/XXXX to ask about it and was told after the operator spoke to a supervisor not to worry and that it would not be held till XX/XX/XXXX, that it would still be release XX/XX/XXXX. Wednesday XX/XX/XXXX is now here and theres no funds Available. I again called Bank of America and was told its being held till XX/XX/XXXX and theres nothing they can do because they have to make sure the check clears. I then called XXXX and asked if they can do a wire transfer because Im having this issue and he looked up the check and said it was already cleared and funded on Tuesday XX/XX/XXXX so he doesnt understand why my bank is holding it that long. I would like to know why their holding it to be sure it clears if the issuer has already funded it? Why do they need 10 days over the time that it was funded? If it has been funded, why do they need to hold it longer? Ive never had an issue with my account. Theres never been suspicious activity or any checks that havent cleared. This is causing a financial hardship for me and I dont understand the reasoning for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have paid off the car balance but creditor still reporting a balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92392
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My card was used for an unauthorized charge in the amount of {$1700.00}. Do they indicate that I accept the term, when I do not authorize them to process the payment and even so they did, I am very upset because they continue to charge me for a hotel stay that we did not go to or enjoy and to top it off I have to pay? I do understand that in extreme cases the hotel charges one night as a guarantee if I had authorized the reservation, but that was not the case and the hotel or the agencies involved and the bank are defrauding me for {$1700.00} dollars. I want an immediate resolution to this case, we are not going to continue procrastinating on this matter. I also communicated with XXXX XXXX ( XXXX XXXX ) XXXX in these cases and helps consumers to recover their money. As soon as they finish putting together their case, we will also go on the news because with this situation I will not stay calm, I will go to the last consequences, but my money will appear. It is unfair that my bank does not agree with me when I am benefiting and consuming it, and it is also very frustrating that they delay the matter to let time pass and I can not manage the return of my money. Understand that I did not authorize paisly to charge this money there must be a recorded call including the agent XXXXXXXX XXXX XXXXXXXX accepting that it was a mistake and that they would return the money to me, but it was not like that, even if they show otherwise, of course not to lose a case they are capable of fabricating any falsehood, but the law protects me and that's what I'm doing. We will surely end up suing all the parties involved if this case is not resolved in the best way, because this is scam and fraud at the same time and I want my rights to be validated at once. Do not respond to the consumer that they need more time, simply resolve this dispute and if you are going to communicate with me, let it be entirely in XXXX. Thank you for solving this situation once and for all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06340
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A