Date Received: 2024-02-01
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XX/XX/XXXX, someone applied for two Bank of America credit cards using my information. I received a credit notification from XXXX ( my current credit card provider ) as a part of their included credit monitoring program. I was able to take a look at the details last evening XX/XX/XXXX and it was a hard inquiry vs. soft which concerned me. I have not applied for any new credit in some time. As I currently have no business with BOA my concern led to a call to XXXX this XXXX The rep at XXXX informed me the inquiry was valid and advised me to 1. call BOA to report the issue ( which I did ) 2. report to the XXXX site which forwarded me to you based on how I answered their online questions, and 3. to create a police report which I plan to do next. They also placed a fraud alert on my record and told me that alert would also notify XXXX and XXXX. I did obtain the application numbers from BOA and they will investigate and may/may not provide me resolution per their rep. I did request they remove the hard inquiry from my account as each can affect credit score. If there is further information I should share or actions I should take, please let me know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85249
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
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 card account under an open end consumer credit plan as late for and purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 933XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: To Whom It May Concern : I am writing to file a formal complaint against Bank of America 's credit card department for charging me late fees since XX/XX/2023 to present, despite having an active auto-pay set up from my bank account. Throughout this period, I did not receive any notifications about missed payments or potential late fees, either via phone or electronic communication. Details of the Complaint : I have maintained an auto-pay for my Bank of America credit card account since the account was open. Since XX/XX/2023, my bank statements confirm successful automatic payments made towards my credit card on the due date each month. Despite these timely payments, Bank of America charged me late fees every month from XX/XX/2023 to present. I never received any notifications about missed payments or potential late fees from Bank of America, either by phone or electronically. Impact of the Complaint : These late fees, charged in error, have caused me significant financial hardship. They have negatively impacted my credit score and caused unnecessary stress and frustration. I am also willing to provide any additional information or documentation that may be helpful in resolving this issue. Thank you for your time and attention to this matter. I look forward to a prompt and fair resolution. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 114XX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On Thursday, XX/XX/XXXX, I made a digit error and charged {$47000.00} instead of {$470.00}. I have XXXX, and although these occurrences are becoming rarer, they can still happen to me. I promptly contacted Bank of America Merchant Services to rectify the error, and they instructed me to process a refund. Despite complying, I was still charged {$1600.00}. During my numerous attempts to resolve this, well over ten calls were made to their customer service. Despite confirming the refund 's effectiveness and no corresponding deposit into my account, they adamantly refused to provide any written notice regarding this issue. Subsequently, on XX/XX/XXXX, I received a call stating that " their colleagues '' at Bank of America had decided to refund us {$420.00} as if it were a favor. This amount greatly differs from the {$1600.00} charged earlier, leaving us perplexed. I emphasized my confusion over being charged a fee for money I never received and requested a written notification via email, to which they claimed inability to provide. As a nonprofit, this financial discrepancy significantly impacts our operations. While acknowledging my initial mistake, I promptly contacted Bank of America Merchant Services within a short time frame ( less than 15 minutes ), followed their instructions, yet was still charged erroneously. Therefore, our organization is earnestly requesting a detailed written explanation or a complete refund to rectify this situation promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: When I called the Bank of America to close my credit card accounts ( one ending in XXXX and the other ending in XXXX ) they reported on the XXXX account that it was closed by consumer but on the XXXX have not changed the closing comment from Closed by XXXX XXXX to Closed to consumer. On XXXX I entered the local branch of Bank of America on XXXX XXXX in XXXX, Ohio who spoke to a credit card customer service representative in their financial center about the issue who insisted my previous complaint was closed and that the issue was the credit reporting services. The XXXX XXXX XXXX stated it was the bank that reported the information incorrectly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/XXXX, I paid the balance in full via the Bank Of America pay by phone system to Bank of America. To my shock and dismay I received a bill charging me a {$28.00} " late pay '' bill. When I called to question and resolve the error I was treated like a " debtor '' instead of a paying customer who had paid their balance in full. I spoke to numerous so called " account managers '', who repeatedly said they would like to assist me but the only way they could waive the erroneous fee was to pay it and then to call the day after XXXX XXXX day as it was the holiday weekend that this all took place, and then they would reverse the payment and restore the {$28.00} to my bank account on file. This went on for three days as I called and was told to call back, was provided false phone numbers that just rang and no one answered. Finally, I was transferred to a " collections manager '' who told me the same thing, pay the fee and call back after XX/XX/XXXX and the person I spoke to would see her notes and return the fee to my bank. I was skeptical but also exhausted over this ordeal that I did pay it with her over the phone and it went through my bank the following day. On XX/XX/XXXX I did call but the number she provided me was fake. I finally did call the main number was transferred to another manager who said she saw the notes but refused to return my funds. I contacted my bank and they advised this was a violation under UDAAP and due to the fact that I was given false and deceptive and abusive treatment by Bank of America and it's agents or representatives and they reversed the payment to Bank of America. Now Bank of America is trying to bill me for that " late fee '' multiple times over even though I paid my balance in full on time and I have proof of all payments made since their automated assistant sent me the proof in the mail
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Noticed a charge of {$2400.00} on my Bank of America credit card I did not do. It was charged on XX/XX/23. Immediately I cancelled the card and filed a fraud dispute. Bank of America came back and said they had proof I did it and denied the dispute. They would not provide the proof. I explained again I didnt do it. They had said the chip was used and since I had the card I must have done it. So I thought maybe someone charged me the wrong amount. Bank of America said to file a billing dispute. I said i want to know what was purchased and see the receipt. They came back with a receipt signed by someone else at a merchant in XXXX XXXX. It is not my signature and Ive never been to XXXX XXXX. I was in XXXX. The signature is nothing like mine. They then let me file a fraud dispute. I heard nothing for weeks. When I called to check in they said they denied it but could not say why. Each time I call I spend a significant amount of time getting the run around being told I must have done this. I have filed a new fraud dispute again now and was told to pay the bill while I wait. I feel they are not helping me at all. This is fraud. I did not authorize or benefit from this charge. I have attached a photo of what Bank of America provided, and a photo of my signed drivers license to show how these signatures are not at all similar.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98801
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have been trying to open a bank account for a few years now and I keep getting denied because Bank of America has me reported to check systems however I have never been a customer of Bank of America and when I call and give them my social they are unable to find any information in their system but yet they are reporting me to check system and can not give me any valid reason and are not willing to remove me so that I can open a bank account somewhere else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was in the XXXX and I had relocated and that I didn't receive most of the pandemic unemployment benefits, and was denied. The claim account number ( XXXX ) I had received this notice stating that my issue was resolved. Bank of America did not Show me any proof of how this was determined, or let me know what I can do to further proceed. I am a XXXX XXXX that has and is being taken advantage of by this Bank. I had received this notice on XX/XX/2023 I also had contacted the XXXX, CA. Police Department to file a report pertaining my situation. I had other complaints but can not locate documents. So as of now I'll proceed with this one. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77642
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On or about XX/XX/XXXX, I purchased a XXXX XXXX XXXX, which was financed through Bank of America ( " BOA '' ). Approximately one year after purchasing the vehicle I was contacted by a representative of BOA and informed that I had missed a payment. Upon review of my bank records, I could find no evidence of a payment being missed. I requested BOA provide me with a statement or evidence to show the missing payment. BOA failed to provide such evidence. I was again contacted by BOA several months later again alleging that a payment had been missed. Again, I went through the payment history with the representative who determined that no payments had been missed and apologized for the confusion. Several months later I was again contacted by BOA alleging a payment had been missed. The representative was extremely aggressive and informed me that a late fee of {$15.00} would be accrued for each month the payment remained delinquent. Again, I requested proof of the delinquent payment which again was never provided by BOA. This same scenario repeated at least two more times. I requested proof of the missed payment no less than four times, to which BOA repeated failed to provide such proof. The term of my loan ended XX/XX/XXXX ; however, BOA has continued to draft a monthly payment from my checking account. I contacted BOA on Wednesday, XX/XX/XXXXXXXX by phone. The representative, XXXX, again reviewed my payment history and could find no missing payments. XXXX confirmed that the term of the loan expired in XX/XX/XXXX, and speculated that the reason I continued to have payments drafted from my checking account was because of the late fees which had accrued over the past five years. XXXX was unable to waive the late fees and stated that he had never seen anything like this. XXXX offered to submit this to a higher department for review. Other representatives have stated the same in the past, but I never received any response ( this seems to be a BOA tactic for getting customers off the phone without resolving their issue ). At the time the vehicle was purchased, the dealership mixed up the VIN number of my vehicle with another vehicle on the lot. This required the loan information/docs to be resubmitted to BOA. It appears that BOA failed to update the payment schedule and at no time reached out to me regarding any issues. BOA has engaged in unethical practices and has continued to harass me for over four years by phone and by email. Despite multiple representatives of BOA acknowledging the problem, at no time did BOA take corrective action. The aforesaid representative, XXXX, implied that, although this is a BOA error, I would still have to pay the erroneous late fees before the loan would be forgiving and the title to my vehicle released. Attached is a copy of a letter sent to BOA on XX/XX/XXXX, and served upon BOA 's registered agent on XX/XX/XXXX, and the USPS Certified Mail return receipt as evidence of service. In the letter I once again requested proof of the missed payment or release of the title within thirty days from receipt of the letter. As of the date of this complaint, BOA has failed to respond. I ask that your office investigate this matter and take corrective action against BOA for unethical practices. Thank you for your attention and assistance in this matter. If you should have any questions, please do not hesitate to contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A