Date Received: 2023-08-20
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XX/XX/2023 : I rec 'd several notifications from my various credit monitoring services that a new credit inquiry ( aka a " hard " credit check ) was conducted by BANK OF AMERICA on XX/XX/2023. I had not initiated, requested and/or authorized this credit check. XX/XX/2023 : I called into BANK OF AMERICA 's credit card fraud department to report this unauthorized credit check and attempt to obtain additional information regarding said inquiry. At that time, the representative that I spoke with confirmed that they had indeed rec 'd an application to open a new Travel Rewards credit card in my name, but that they would report it as fraud/not proceed with the application. I affirmed several times to BANK OF AMERICA that this request was NOT authorized and not requested by myself. BANK OF AMERICA additionally sent me a letter dated XX/XX/2023 confirming my request & that they would not proceed with opening. BANK OF AMERICA additionally confirmed they would work with the credit reporting agencies to remove the inquiry from my credit history/report. XX/XX/2023 : Again, I rec 'd several notifications from my various credit monitoring services that a new credit card had been opened in my name at BANK OF AMERICA on XX/XX/2023 ( the date I had called and reported it as unauthorized ). XX/XX/2023 : I again called into BANK OF AMERICA 's credit card fraud department to report the unauthorized activity and now unauthorized account opening. The representative that I spoke with was tremendously unhelpful and could not provide any explanation as to why the card/account had been opened, and even seemed to suggest that it was indeed an " authorized '' transaction from myself. At that time, the representative said he would again report the card/account as fraud, and would proceed with closing the account and removing it from my credit history/report. I was told a manager would be calling me back, but a callback was never rec 'd. I did indeed receive the physical card - a " Bank of America Travel Rewards '' credit card in the mail, delivered to my home address. I never requested and/or authorized this credit card/opening. I work for a very large broker-dealer/bank and have an extensive background in financial crimes and fraud prevention. I have every reason to believe that BANK OF AMERICA churned my identity, improperly checked/accessed my credit report/history without my consent/authorization, and used this information to fraudulently open a credit card in my name without my consent/authorization. This type of activity is something that the CFPB and OCC have already taken action and fined BANK OF AMERICA for ( see : XXXX XXXX XXXX ). I am completely confident I am a victim of their fraudulent credit card openings scheme.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60613
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I renewed my CD XXXX XXXX XXXX XXXX over the telephone on XX/XX/XXXX. This was to Bank of America, I spoke with XXXX. I was told the CD would be sent to me to arrive in 7 -10 days. XXXX XXXX called on XX/XX/XXXX and spoke with XXXX He said i would get the CD for sure - conf # XXXX. What I got a few days later was an envelope stuffed with booklets about how BoA handles my account, etc. But no CD - the very thing I asked for. Every other bank has no problem with sending a copy of a CD- why won't BoA do it. Please help me get a copy of my renewed CD. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: In accordance with Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX Dispute and Request for Immediate Removal of Bank of America Credit Card XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Furthermore, I have diligently contacted Bank of America numerous times to rectify this situation, and they have explicitly stated that no such account exists in their records. This inconsistency is causing unwarranted distress and has the potential to impact my financial standing, loan applications, and overall creditworthiness.In light of the above, I kindly request your immediate attention to this matter and a comprehensive investigation into the inclusion of the non-existent Bank of America credit card # XXXX in my XXXX consumer report. I am requesting the following actions : A thorough review of my XXXX consumer report to verify the accuracy of all information, particularly the Bank of America credit card account in question. If the investigation confirms the inaccuracy of the reported account, I demand the immediate removal of this erroneous information from my XXXX consumer report. I am cooperating fully with both Bank of America and XXXX investigation by providing any documentation or evidence necessary to validate my claim. Please find attached certified mail numbers of my current correspondence with Bank of America and XXXX indicating their acknowledgment. [ XXXX ] [ XXXX Under the provisions of the CCFPL, I have the right to accurate credit reporting. I trust that XXXX will uphold its responsibility to ensure the maximum possible accuracy of my consumer report, rectify this issue promptly, and prevent similar errors in the future. I appreciate your prompt attention to this matter and anticipate a swift resolution. You may contact me via the provided email address or phone number for any further information or updates. Thank you for your immediate action in resolving this dispute and upholding the rights of consumers. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95054
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
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: I was referred to a person by my friend, XXXX XXXX, who lives in XXXX, XXXX. The person he referred to me identified me as " XXXX XXXX, '' an employee of XXXX XXXX in California, company file # XXXX. I was told that this person would make my payments and I would only have to pay back 50 % of the total amount to the financial institutions. A few payments were made to my bank accounts and loan accounts such as Bank of America. The payments were made 3 times and the total amount was brought to " Paid off ''. I even called the financial institution to confirm the payments were received and I owed no money. I got the confirmation number and everything I could to keep myself on the safe side. And after that, I made the payments to the XXXX XXXX salesman, XXXX XXXX per his instruction by cashier checks. After a cycle of a week and half the payments were reversed from my financial institutions. This is a fraud. The bank shouldn't allow reversing payments after it's been a month or two. This clearly means no one is safe because there is no guarantee of doing any sort of business with the banks if they will just reverse the payments. Therefore, I am under a lot of stress and in financial hardship without any fault of mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bank of America issued a credit card and allowed me to make payments through the application. Several months after issuing the account, app access became locked so I couldnt pay my monthly bill electronically. I have called numerous times and requested assistance with fixing the issue. In XXXX of XXXX, I made two payments with the second being on the XXXX of the month as the payment for XXXX. My next payment was made on XX/XX/XXXX. My XXXX payment was paid early and my XXXX payment was paid late but only by 19 days and they reported a 30 day late charge to my credit bureau and defaulted to the highest interest rate and charged me a late fee. They have since removed the late fee but refused to fix the 30 day late payment on my credit report which has caused great problems for me as I am trying to purchase a house. They refuse to fix this mistake and have ignored me despite countless attempts to fix this and their application that still will not allow me to pay my reoccurring bill. I am forced to call their customer service, explain this situation, and be redirected every month. This organization is predatory and steals money and time from the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Subject : Urgent Complaint Regarding Account Closure Due to Internal Error Dear Bank of America Customer Service, I am writing to bring to your attention a serious issue concerning my credit account with Bank of America, credit limit {$15000.00}, that has been unexpectedly closed on XXXX XXXX I have been informed that the closure was due to an internal operational error within Bank of America, and I must express my deep dissatisfaction with the situation. The closing of my account has not only disrupted my ability to manage my finances but also had adverse effects on my credit profile and credit limits. This unexpected closure has caused significant stress, inconvenience, and financial strain. I have reached out to your customer service department, but the issue has not been resolved satisfactorily. I am therefore writing this formal letter to insist on immediate action to rectify the situation. I kindly request the following : XXXX. A comprehensive investigation into the circumstances surrounding the erroneous closure of my account, including transparent communication regarding the nature of the internal operational error. XXXX. Prompt reinstatement of my credit account, with all previous terms and limits restored. Do not run y credit report again since BOFA currently has my credit history. XXXX. A review and correction of any negative impact this incident may have had on my credit profile, including communication with credit bureaus and the elimination of any remarks on all of the credit bureaus. XXXX. A written apology and assurance that appropriate measures will be implemented to prevent such an error from occurring in the future. I understand that mistakes can happen, but it is crucial that they are addressed promptly and responsibly. I value my relationship with Bank of America and expect that this matter will be handled with the urgency and professionalism it deserves. Please respond to this letter at your earliest convenience, either via mail or the contact information provided above, outlining the steps that will be taken to address this issue. Thank you for your attention to this urgent matter. I look forward to hearing from you soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was a victim of fraud with bank of America and a company XXXX they do transaction with. I received a text message XXXX from the bank that stated a transaction was going through that I didnt approve and I sent a text back saying no I didnt approve the transaction. As soon as I pressed no a Bank of America representative called me. And made me transfer money using XXXX in an amount over {$3000.00} When I called to the next day to follow up with the transaction the Bank of America representative told me it wasnt them that called. The phone number that I received the call from was the exact number on my atm card. The bank investigated and denial my claim and will not be returning my money. My text messaged stated it was from Bank of America and the phone number that called me also was Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to the Bank of America branch on XXXX XXXX, XXXX, NY. Opened Checking and Savings account, asked bank associate that i wanted to deposit cash on my checkings account, we both went to ATM, scanned my XXXX card to ATM and put my PIN, deposited XXXX $ cash and i was almost to finish deposit when i decided to add more XXXX XXXX so i clicked to add more and put XXXX $ in ATM, ATM had a problem and gave back XXXX $ and receipt that says that money is inside ATM and i had to call BOFA XXXX department to open a claim. Associate of Bank was watching all that and he called to open claim, hes name is XXXX and he can confirm everything. ATM had weird sound like clicking or something. I was told that it would take 10 business days and it happened on XXXX XXXX, this morning i saw message about my claim that it was closed, answer was that ATM gave back money and theres nothing else to do. jm asking where is my XXXX $? ATM just gave us back XXXX XXXX i went to branch again, they opened claim again and told that i have to wait more 10 buss days or more, ATM was done 2 days ago and if there are extra funds in, than it will show up. i asked tot ake camera recordings, there is XXXX who can confirm everything, he works in that XXXX. im asking my money that i need so much, they refused to gave it to me back. please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11229
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/23 I received a text message from " Bank of America '' asking " Did you attempt a {$3500.00} XXXX transaction. Reply Yes/No/Help. This text was from the number ( XXXX ) XXXX. I did not respond to this text. On XX/XX/23 I received another text message with exactly the same language from number ( XXXX ) XXXX XXXX from a person named XXXX XXXX. I responded NO and immediately got a call back from someone who said they were from Bank of America. He then took me through EXTENSIVE steps that he said would rectify this matter, even transferring me to a person from XXXX. Neither were representatives of these companies. When I hung up I called my bank to find out that this transaction was put through. This SCAM is RAMPANT. For further clarity this is how it works : " A common example of the latter is the XXXX Fraud Scam, which uses an ever-shifting set of come-ons to trick people into transferring money to fraudsters. The XXXX Fraud Scam often employs text messages and phone calls spoofed to look like they came from your bank, and the scam usually relates to fooling the customer into thinking theyre sending money to themselves when theyre really sending it to the crooks '' Bank of America is not willing to refund my {$3500.00} saying that since it was me that transferred the money that there's nothing to be done about it. I am proceeding with filing a complaint with the local police, the FBI and notifying XXXX, as well as any other organizations that deal in these matters, as well as any political figures that focus on these fraudulent banking practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Bank of America, was reporting to the credit agencies that I stop paiding on a credit card, and after more than seven years keep this credit card account claim open for collections so I used my debit card account to paid them back, no credit card account was never offered to me after paying that credit card account off and no updates were issued on credit offered to me. I paid off that credit card account but got nothing for it no credit card reactivation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A