Date Received: 2023-07-31
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Bank of America took a payment out of my Checking account without my permission. I am behind in my bills due to hardship. I saw it after this was done by the bank. can they legally do this? The Federal XXXX XXXX XXXX XXXX Section 226.12 ( d ), bars financial institutions from applying the right to offset credit card debts. this was done to my personal and business checking account. the business account onXX/XX/2023 for {$780.00} for a business credit card with Bank of America. And my personal account on XX/XX/ for XXXX on a personal credit card from Bank of America. my accounts and credit cards are from 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: 32812
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by a moving company to send a deposit for a long distance move in XX/XX/2023. I sent monies to another BOA account. Only to discover on the day of the move ( XXXX XXXX ) no movers. XXXX XXXX XXXX XXXX XXXX has not answered the phone since. This is not a real business. I put on a fraud claim to BOA for the scam and today they told me it was denied because they couldnt recover the funds. Because we both are with BOA it seems as if the bank doesnt want to take the loss. But I should not be punished because the scammer also has BOA. When someone is scammed, they are suppose to give them the money back/make the other account negative if need be. I received NO SERVICES WHATSOEVER
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: Re-claim # ( XXXX ) For the bank Re Claim # ( XXXX ) For the bank I am writing this letter to inform you why I am filing this dispute. In XXXX I hired XXXX, thinking that they were Architects they misrepresented themselves to be architects and charged me the same fee as real architects. To design custom home plan drawing, I paid {$4600.00} on XX/XX/XXXX as a deposit to get the work started. We went back and forth for several months, from the start it was very hard to communicate with this person after they receive the deposit the project was to take a month but due to not being able to communicate with this person it took a lot longer than I was told it would take but because I paid the deposit I still work with the hoping that we could get the results that I was expected and that I paid for. I also did a dispute in XX/XX/XXXX, because I could not get ahold of him. After the dispute was filed, I got his attention and he asked me to close the claim and he would do better communicating with me and the builder when we where ready to work, I was also told that service comes with several modifications as needed by the city or builder and the XXXX, that he would stay with the project until the building was completed. They also misrepresented themselves as an Architects I thought I was hiring real Architects He completes a draft and then told me I needed to pay the other half {$4600.00} on XXXX I filed a despite with my bank I am told that its over the time for the dispute. I am still out {$9300.00} with nothing to show for it I wii upload an example of what I was expecting and what I received and what I should have received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: So Bank of America has accounts that was fraudulent in my name with my social security that was not me. The amount of XXXX and the other account was XXXX that was open on XXXX I did go to the fraud department and they gave me claim number now I have to wait 3-5 days for the forms to fill out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48089
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank America Accounts Ending XXXX I opened XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX I opened a Safety Deposit Box at XXXX XXXX Bank America Branch in XXXX CA. I Deposit my Mother ; Grandmother ; Great Grandmother ; Wedding Ring value {$50000.00} As a Historical Heirlooms 18 Karat Gold ; 1 Carat RubXXXX Stones ; AND 2 Carat Diamonds Cute Wedding Historical Heirlooms from XXXX Era. XXXX Covid 19 requires Bank America close 25 % Branches in California downsizing. XXXX Covid 19 Pandemic Layoffs Governor XXXX XXXX Ordered stopped Payments 60 days on XXXX XXXX Edd Unemployment benefits due to Massive fraud. XXXX Bank America seized my {$3000.00} Certificate of Deposit Account that was linked to My Safety Deposit Box contains Mother 's Historical Heirlooms {$50000.00} 3 Carats Golden Diamond Wedding ring and sold the Ring to State Of California due to no transfer $ XXXX yearly annual Safety Deposit Box fee from the Covid 19 Seized Certificate Deposit Account linked to Safety Deposit Box with Mother 's Golden Diamond ring {$50000.00} Heirlooms. XXXX Covid 19 Bank America closed 25 % Branch in California and XXXX XXXX XXXX XXXX XXXX California where my Safety Deposit Box Mother 's {$50000.00} Golden Diamond Ring Heirlooms. Bank America has had my current address since XXXX Opened Current Bank America accounts moving XXXX from XXXX California to XXXX XXXX and Present Residential XXXX XXXX XXXX XXXX CA. Bank America never called or notified Any my XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Between XX/XX/22 and now, Bank of America has unlawfully opened 3 checking accounts using my information. They have since closed them, but that was only after multiple phone calls and my credit being checked. When I called, I was transferred multiple times and had to talk to 5-7 people to get the accounts closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55423
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Seeking assistance and intervention regarding a hold placed on my funds by Bank of America, and the difficulties I have encountered in attempting to resolve this matter. I recently started working for XXXX XXXX on XX/XX/XXXX after a prolonged period of unemployment. It has been a challenging time for me, as I have fallen behind on my bills and financial obligations. The recent hold on my funds has exacerbated my situation, making it even more difficult to meet my immediate financial needs. I have made numerous attempts to contact Bank of America to inquire about the hold on my account and seek a resolution. However, despite my persistent efforts, I have been unable to reach a representative who can provide me with the necessary information or assistance. The bank 's customer service line directs me to the same number repeatedly, resulting in no response or resolution. This lack of accessibility has left me feeling frustrated and helpless. Given the urgency of my situation, I kindly request your intervention to help facilitate communication between myself and Bank of America. I believe that with your involvement, we can bring attention to my predicament and prompt a timely resolution. Enclosed with this letter, you will find detailed documentation of my attempts to contact Bank of America, including dates, times, and phone numbers called. I have also included relevant information regarding my employment with XXXX XXXX and the impact this hold has had on my financial well-being. I sincerely hope that you will consider my complaint and take appropriate action to address this matter. Any assistance you can provide will be greatly appreciated, as it will enable me to regain access to my funds and meet my financial obligations. Thank you for your attention to this matter. I look forward to a prompt response and resolution. Bank of America only gives me this phone # that no one answers- XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Debt Collector, please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail instalment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you decided that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have note given my consent to give my information to 3rd party. Delete all my information ASAP. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. ( Pub. L. 106102, title V, 502, Nov. 12, 1999, 113 Stat. 1437 ; Pub. L. 111203, title X, 1093 ( 2 ), July 21, 2010, 124 Stat. 2095. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I signed up for the Bank of America XXXX XXXXXXXX credit card, approved on XXXX XXXX 2023 with an offer of XXXX bonus miles if you spend XXXX in the first 90 days. I did not receive the credit card until XX/XX/XXXX, aster multiple calls asking about it and having a new one reissued and finally mailed to me. I called today to extend the 90 day period to spend the XXXX and get the miles and was told that they can not extend this, it is a violation of the federal fair lending act and there is nothing they can do. This is such a scam and the complete opposite of fair lending practices, I now have 30 days to rack up XXXX so Bank of America can charge me 22 % interest. This is truly egregious and not fair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98155
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A