Date Received: 2023-08-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I recently tried opening an account with XXXX XXXX XXXX a week ago inside of their branch. XXXX branch provided me with a denial letter and provided me the information to contact an agency called " XXXX '' who may be reporting inaccurate information on my consumer report through their agency. I was advised from XXXX XXXX bank to contact this agency which I did and spoke to XXXX which they provided me to go online & I was able to pull up very detrimental & inaccurate information from XXXX different banks ( XXXX, XXXX XXXX XXXX XXXX Bank of America ). I was able to speak with all XXXX banks. XXXX XXXX has stated they have reporting this information to XXXX to get this removed. Bank of America has started the dispute process. XXXX XXXXXXXX XXXX I am needing to speak to to start the process. In the meantime, all of this inaccurate information is due to identity theft which I have no knowledge of any of these accounts being opened in my name without my consent. Please remove and block. I have never opened any of these accounts. I am taking a thorough initiative to ensure this is appropriately removed from my consumer report through XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60445
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: EXPLAINED IN PERSON TO BANK MANAGER THAT MANAGER AT THE TIME OF THE TRANSACTION SAID THAT HE AND ASS'T MGR AGREED THAT IT WAS A FRAUDULENT/SCAM AND THAT THEY WOULD HAVE TO CLOSE ALL ACCOUNTS AN GRIND ALL CARDS - - DEBIT AND CREDIT - - AND THAT IS WHAT THE MANAGER DID. HE THEN MADE THE STATEMENT TO US THAT " THEY DIDN'T OWE US ANYTHING AND WE DID NOT OWE THE BANK ANYTHING. LATER WE RECEIVED STATEMENTS FOR THE {$990.00} AND WE HAVE BEEN DUNNED FOR THAT AND ALL THER OTHER CHARGES THEY ADDED EVER SINCE AND THEY HAVE DENIED THAT THE ORIGINAL MANAGERS STATEMENT WAS EVER MADE. THEIR STATEMENTS DO NOT INDICATE ANY PROOF THE WE WERE THE ONES THAT USED THE CREDIT CARD. WE HAVE OFFERED TO PAY THE ORIGIGAL PRINCIPLE AMOUNT BUT THEY REFUSE TO ACCEPT ANYTHING LESS THAN THE ENTIRE AMOUNT OF {$1400.00} WITCH INCLUDES THEIR CHARGES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97305
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Bank of America A large financial institution is holding onto me funds and not releasing them. I have banked with them for 15 years, have XXXX XXXX XXXX with them. I do wires and work in banking, I have never experienced this and have no idea what to do. XX/XX/XXXX initiated wire XX/XX/XXXX cleared through red flag via fraud department XX/XX/XXXX bank canceled wire XX/XX/XXXX initiated wire in branch in perosn, wire approved XX/XX/XXXX wire didnt go out XX/XX/XXXX called in, was assured we were all set and no issues XX/XX/XXXX no wire sent XX/XX/XXXX called wire department, went through red flag process again. XX/XX/XXXX wire processing XX/XX/XXXX wire not sent, placed on hold again XX/XX/XXXX in branch location no help XX/XX/XXXX sitting in branch no one in wire department or bank can provide any resolution XX/XX/XXXX asked for money to be made available and distributed as cash since they cant wire XX/XX/XXXX bank is holding my money, wont wire it, wont give me cash, I am stuck and its unacceptable, my funds are sitting in my account are valid, and bank wont release them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: For months I contacted bank regarding NSF fees hitting repeatedly account and their allocation of funds available and when they post creating this domino effect and they said they would look into it, than no one called or emailed back, call again nothing, than they come out with no more fees and than follow up and tell me too old to reimburse! I stopped using account and they just closed me for no activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19020
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Im on XX/XX/XXXX and deposit a check for {$13000.00}. They gave me a print out saying that I am XXXX would be a be available. I am on the XXXX and then the rest on the XXXX. I came in on the XXXX and they said they were putting a hold on it till the XXXX. Well I explain how God put me in a hardship and I resent to back to the bank where I initially deposited it talk to speak with the bank branch manager who directed me to call the holding department because its the only people that can not release the hold because on my lawyers and another financial institution is and the bank the check is fine and good so they told me I had to put in an expedition paperwork and it would take 48 hours I didnt either that money would be my account or they would have a email them answering me. It has now been 48 hours and they have neither.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
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: 335XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, purchased a subject property located at XXXX XXXX XXXX, XXXX XXXX FL XXXX and Certificate of Title was issued on XXXX XXXX by the XXXX XXXX XXXX XXXX XXXX ( attached ). Since taking ownership XXXX XXXX has made every effort and attempt to resolve issues on titleXXXX XXXX XXXX attorneys pulled an official title report in which the chain of title shows the following : Assignment of Mortgage - XXXX XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from XXXX XXXX XXXXXXXX XXXX Assignor, to Bank of America XXXX N.A., Assignee, recorded XX/XX/XXXX ). Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from Bank of America, N.A , Assignor, to The Secretary of Housing and Urban Development XXXX Assignee , recorded XX/XX/XXXX ). Assignment of Mortgage - XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, from XXXXXXXX XXXX XXXXXXXX , Assignor, to Bank of America , N.A, recorded XX/XX/XXXX ). Assignment of Mortgage XXXX XXXX XXXXXXXX ( XX/XX/XXXX, from The Secretary of Housing and Urban Development, Assignor, to Bank of America, N.A., Assignee, recorded XX/XX/XXXX ) - attached. Mortgage Release, Satisfaction - XXXX XXXXXXXX ( Mortgage Release, Satisfaction, and Discharge, dated XX/XX/XXXX, filed by Bank of America, N.A., Mortgagee, recorded on XX/XX/XXXX ) - attached. Rescission of Satisfaction - XX/XX/XXXX, by Bank of America, N.A., to American Reverse Mortgage ( shut down, out of business ). There is a huge discrepancy in which Bank of America, N.A., has not properly, ethically and with transparency communicated to XXXXXXXX XXXX on the rescission of satisfaction. Given the facts that Bank of America has been clear that the reverse mortgage located at XXXX XXXX XXXX has been satisfied. In addition, there is email communication and recorded phone calls between Bank of America employee ( s ) and XXXXXXXX XXXX that the reverse mortgage was indeed satisfied and paid off. We need Bank of America to be investigated for unethical practices and violating compliances with Federal law. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
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: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Reported false information to XXXX and XXXX XXXX Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone Number : XXXX For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY FI ; Reported Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Reported XXXX : XXXX License : State : Date of Closure : XXXX # : XXXX / XXXX Status : NO MONETARY LOSSClosure Status Date : XX/XX/2023 Dispute Case ID : XXXX Bank Name : Bank of America Reference # : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
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: 346XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I attempted to stop a XXXX payment to a scam artist. BOA is telling me that they do not know where my money ended up. They have no traceable records that indicate when the money goes once it leaves my account. This makes no sense! I sent 3 payments to this scammer and the bank just needs to share the destination bank with me and the FBI can find this scammer. The total amount is {$2100.00} The bank has this information and need to share it with me immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A