Date Received: 2023-08-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XX/XX/XXXX I sold my XXXX XXXX XXXX to XXXX for {$26000.00} which I received a printed bank draft for that was printing using the secure bank print. I deposited the bank draft that night and it said my funds would be available in the morning. I called the bank because the funds were not available and they told me it was marked as an altered check and they closed my checking account. I have been in contact with the business manager from XXXX, my local branch ( which apparently couldnt do anything they just called someone while I was in the office and had them talk to me ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX has released the funds and verified it but my bank still has my account closed and funds locked. The business manager from XXXX recommended I add him to the call so he can verify that the funds are legit, but bank of america declined to talk to him. They asked me for his contact info in which I called him today and he said they never reached out to him. I am out XXXX XXXXXXXX and now have no vehicle to work with so I am losing money everyday this goes on as I have nothing to pull XXXX XXXX XXXX with and can not work now. The bank this is happening with is bank of america.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were few hard Inquires reported on my credit without my consent, So reporting them to please remove from my file. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have been trying to withdraw my money from this account and then close it. I am no longer in the XXXX & do not have a XXXX address I do not have a XXXX mobile phone I am currently in XXXX I have been able to transfer my monies from Bank of America to my XXXXXXXX XXXX account with the exception of XXXX. BoA 's systems will not allow me to transfer the final XXXX to my XXXX XXXX account. BoA has offered to send me a cashier 's cheque for XXXX. However, no XXXX financial institution will accept a cheque in any currency other than XXXX dollars. For all intents and purposes a cheque is USD denominations is worthless. Furthermore BoA is charging me {$12.00} per month in maintenance fees and they have refused to refund the fees. BoA have not provided a solution for me to have access to my money and then to close my BoA account. For all intents and purposes BoA is keeping my final XXXX and do not have any solution in giving me access to my money. I feel that this is theft of my XXXX. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I've desputed XXXX claims with Bank of America and they keep denying them iv| told them numerous times that i didn't receive the money that was taken from the account and i was unaware of these transactions, .. how many times do I have to get denied by them when i keep them the i was a victim of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem with a credit reporting 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: 33125
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I have an automatic payment setup for my mortgage at XXXX XXXX XXXX XXXX. XXXX submitted the debit for my mortgage payment on the XXXX to my Bank ( Bank of America ) checking account that I have setup for this payment. I noticed on the XXXX that the payment was processing and noticed that the account was short XXXX dollars for that payment so I made a XXXX transfer on the morning of the XXXX from another bank account at another bank to make sure that the amount of my mortgage was covered. On the XXXX I logged in to my BofA account and noticed that the there was a returned payment to XXXX for my mortgage due to NSF. I called to BofA to get clarification and was told that since I didn't have the funds in my account the payment was returned unpaid. I advised that I made a transfer from a different account when the payment was still marked " In Process '' so why would they send it back. They advised that this was all done the same day. I advised that it was not. Now I'm getting a NSF fee from my mortgage bank XXXX due to the lack of communication from BofA. when the payment was still marked as " Processing '' and the funds were added on my account to cover my Mortgage payment. When I told BofA I would be submitting a complaint to CFPB and OCC about this they just brushed it off and advised that there was nothing they could do. BofA Account number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: {$3500.00} was transferred from my checking account to an institution in XXXX as a result of a scam. The scammer was saying he was representing XXXX fraud department in California. I found his contact on XXXX search. This scam started on XX/XX/2023. On XX/XX/2023 the {$3500.00} was transferred to XXXX. I realized this was a scam because he asked for Social Security Numbers for me and my wife, plus other suspicious requests. My wife contacted Bank of America on XX/XX/2023 to recover the {$3500.00}. She talked with XXXX at Bank of America. She filed a claim number as follows : XXXX for our account ending in XXXX. On XX/XX/2023 Bank of America sent letter to us stating that they will not credit our account because the transfer was done by our instructions. I believe this violates Regulation E of federal electronic fund transfer act because trickery of scammer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78382
Submitted Via: Web
Date Sent: 2023-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Mortgage fraud is multi-billion dollar criminal activities that creates significant negative financial bearing on homeowners, devastates family, hurts communities, can destroy a business and adds a great impact on the national economy. Federal, state and local law enforcement officers are on the front lines in the battle to protect their communities from fraud and scams. They identify, investigate and prosecute. What is Mortgage Fraud? ( e.g., purchase, refinance, modification ) Act of inducing a loan though means which involve either implied or expressed deceit, i.e. Material misstatement, misrepresentation, or omission of information relied upon by an underwriter or lender to fund, purchase, or insure a loan. It Involves the entire process of obtaining a residential mortgage, including solicitation, application, origination, negotiation of terms, third-party provider services, underwriting, signing and closing, funding of the loan and mortgage loan purchase from a XXXX XXXX XXXX I purchased my home with XXXX Mortgage XXXX XXXX have now found out that multiple violations occurred from the inception of our loan. In a third audit it was disclosed that multiple variance of TILA has been violated and that MERS was never an entity involved with the loan also that my VA XXXX XXXX was not placed into the XXXX XXXX XXXX XXXX until XXXX. There were only XXXX assignments out of the XXXX banks involved .We are facing another Foreclosure on XX/XX/XXXX and we have not received any assignments since the assignment of BOFA XXXX XXXX XXXX XXXX XXXX have had XXXX audits done by XXXX different entities and they each declare FRAUDULENT ACTIVITY. The court records have disclosed that XXXX Mortgage XXXX is the now the lender yet we have not received any notification.We have sent over XXXX request from CFPB alone and there was no satisfaction because it feels as if the information was just passed forward .Therefore I will keep pushing forward until Someone READS my concerns from my AUDITS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
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: 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: Bank of America is reporting a charged off/written off on my Consumer Credit Report. This reporting is not accurate. According to the IRS website debts that have been Charged off or Written off are treated as canceled or forgiven DEBT for tax purposes, and the related canceled amount is reported to the IRS on Form 1099-C. I would like to bring to your attention that the reporting of a charged-off or written-off account as a debt on my Consumer Credit Report is inaccurate, as canceled debt does not constitute debt owed. See attached file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen and used to purchase XXXX vehicles. I have filed a police report, FTC Identity theft report. I have reached out several times to Bank of America and XXXX XXXX XXXX with this prof. Since this loans were placed under my name in 2019. I was told they were deleted off of my credit. Now they are showing up on my credit again. I sent my documents to Bank of America, XXXX XXXX XXXX and the credit bureaus again and the credit bureaus told me they placed it back on my credit and they can no longer help me.! then when i called B of A and XXXX XXXX credit they said because i cant verify my fraud identity info they wont talk to me!!!!!!!!!!! This should be criminal and illegal. I am preparing a civil lawsuit with all of my XXXX plus dispute claims police reports FTC reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2023-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A