Date Received: 2023-08-03
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: VICTIM OF IDENTITYBTHEFT PROVIDED WITH PROOF OF FILING TO FEDERAL ENFORCEMENT AGENCY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I got paid yesterday XX/XX/2023 and everything was fine. I woke up the next morning trying to log in to my banking app and it kept giving this error of username and password not found and my account was locked. I called the bank and they said that corp had decided to end the relationship with me and closed my account with no explanation. I have bills. Rent and car payment due and I can't even access my own money. They put in a request for me to access my money faster but even that can take days. I'm so upset!! They waited until my direct deposit hit to do this. After all the fraud I've dealt with them for the last 2 years. People making checking accounts under my name in different states and money being taken out of my account by scammer. I've been sent several different debit card within the last couple months because of fraud and then they close my account? This is XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened an account XX/XX/2023, before I even had a chance to use my credit card which I was approved for, my account was locked because of " suspicious activity ''. I've attempted to call to resolve the problem, but been told I need to step in a branch to show ID and I can't simply email/mail/send copies through secure messaging. Unfortunately I left for international travel before I found out this information won't be back for several months. When I attempt to call any number of Bank of America, I get redirected to the fraud department which won't unblock the account, but say I can close it but only to give me a number that redirects back to them and not Bank of American customer services. I would like to use the credit card of course, but Bank of America is being unreasonable with its fraud detection and thus not allowing me to use the card. At the same time, the same department seems to be blocking my ability to close the account. I am unable to take any action with the bank or talk to a reasonable person or find a solution to the problem thus having to reach out via CFPB about the bank 's broken process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2023 I received a letter from Bank of America stating they have removed PMI based on a loan to value of less than 80 %. I requested to have escrow removed based on XXXX of less than 80 %. I received a letter from Bank of America XXXX department stating my XXXX was 96 %. You remove PMI based on XXXX of less than 80 % but Bank of America XXXX department denied removing escrow based on XXXX 96 %. For Bank of America to hold my escrow account XXXX sounds like it benefits then financially. I requested the escrow removal on one day and the next day I receive this standard form letter with denial due to equity being 96 %. What kind of bank is this that operates like a scam. Bank of America is contradicting itself. The right hand doesnt know what the left hand is doing. Property address XXXXXXXX XXXX XXXX XXXXXXXX ga XXXX Sent from my XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I submitted a fraud dispute through Bank of America because my card was used fraudulently. They gave me a provisional credit back in XXXX for {$270.00} I believe. They reversed the charges and my account was in the negatives. I called to speak to a representative to try to reopen the case in XXXX or early XXXX because my card was actually used fraudulently. I asked how long did I have to pay the money back? Because they were not trying to reopen the case. I was told that my account would stay open forever until I paid it. I was attempting to get the case reopen until I received a letter in the mail stating that my account was closed and XXXX be reported to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Update on XX/XX/2023 with XXXX XXXX XXXX XXXX. They sent a dismissal of a garnishment with XXXX XXXX bank without the required judges signature through US mail and fax. XXXX XXXX bank will not remove the garnishment for this reason. XXXX XXXX XXXX XXXX is retaliating against me and delaying access to my bank account funds. XXXX XXXX XXXX XXXX also told a court in XXXX, Virginia that I was provided notice of the debt and hearing, when I was not. This violates my constitutional due process rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22314
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank of America locked my account on XX/XX/ and frozen my money no reasons for long time! Tried to call their customer service many many times and told me my case still under review, nobody know when can return my money the most important thing is different customer service and gave me different answers.Just asked me to call them later later!! Nobody help me to resolve my problem! My accounts balance is XXXX now, I cant pay my rental and my household fees now! I am so disappointed with Bank of America. Complain about their service. Never open their account again.!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Something fraudulent happened in my BofA checking account I am not sure what. A check was deposited. Apparently it was deposited never touched never withdrew. XXXX XXXX felt it was fraud and froze the account. I had funds in that account prior to this deposit. The account is frozen and my funds can not be touched. They said policy is 30 days. I have waited over 30 days. I put in 2 hardship requests for my funds along with my XXXX phone number. I was denied my hardship. Today I was told it could take up to another 60 days. They are holding my funds. I am XXXX I have no money staying with a friend. They just tell me that the case is not totally closed. Today they told me it could be another 60 days. This is unacceptable. I dont even know about anything fraudi didnt touch the check that was deposited. I just want access to MY funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2023-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A