Date Received: 2023-07-31
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Unable to open bank account anywhere
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39452
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023 I called bank of america and let them know I had a credit card opened under my name without consent & also has {$300.00} removed out of my checking account to be used as a down payment on the credit card that was opened without my consent. They made a dispute and credited my {$300.00} back into my account, a few days later I got a notice in the mail saying my dispute wasnt accurate and that there was a misunderstanding and that those {$300.00} that are mine are being removed out of my account again, saying it was never mine which that is completely wrong they removed that money from my checkings account to use towards a credit card under my name that I never consented for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93638
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for a credit card via the XXXX XXXX website on or before XX/XX/. Now, I was not able to charge my flight to the card to benefit from applying. I was told that I had to wait to get the card in the mail. At the time of applying I was not being charged an Annual Fee of {$79.00}. Why should I pay XXXX to pay XXXX XXXX {$30.00} XXXX in Compensation. I have never used this card. This card is attempting to collect a debt, I do not owe, nor did I agree to this charge. The card is currently, past due this annual fee. They say, I have been late since XXXX. I do not want to have this reported negatively on my credit report nor do I want to use. Could you tell me if I close the account will it negatively affect my credit report score. I have excellent credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70791
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: BANK OF AMERICA has put derogatory information on my credit report in relation to this account when in fact the company " BANK OF AMERICA '' wrote the account off with the IRS as a profit and loss so they were compensated for this vehicle. I AM NOT IN POSSESSION OF VEHICLE IN QUESTION. XXXX is reporting this account on my report with a balance that is NOT owed by me. IN FACT THE DEBT HAS BEEN PAID IN FULL! BANK OF AMERICA has not only been compensated by the UNITED STATES GOVERNMENT VIA FEDERAL TAX REPORTING AND BUSINESS CREDIT but XXXX XXXX OR XXXX have NEVER had my permission to report this account on my credit report. HOWEVER THEY ARE ACTIVELY REFUSING TO TAKE IT OFF MY REPORT WITH NO EXPLANATION IN WHICH VIOLATES USC 1681b PERMISSIBLE PURPOSE XXXX, XXXX AND OR XXXX DOES NOT AND HAVE NEVER HAD MY PERMISSION WRITTEN OR IMPLIED TO PUT ANY OF THIS ON MY CREDIT REPORT publicly or privately furnishing this inaccurate information to any credit grantor affecting my chances of gaining credit and having a decent chance at life. especially due to the car not being my car or owned by me and specifically due to the company being compensated by the IRS for said Vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32209
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I requested Bank of America to change my address and update my phone number on file. I received confirmation that they did change my address on file. My phone number, however was not updated. I misplaced my card and called Bank of America to send a replacement. They requested the CVV number on the back of my card ( the card that was lost ). Since I could not provide the CVV number, they requested I access online banking to replace my card. I am not enrolled in online banking. They will not allow access to online banking without a replacement card. I can not get a replacement card without verifying the CVV number. They also stated that since I changed my address, I could not update my phone number for two billing cycles. Therefore, they are refusing to replace my card. I sent a letter, with a copy of my ID to request these changes. They finally requested I visit a branch. I am XXXX, and asked my caretaker to load my wheelchair into the van and we visited the Bank of America branch on XXXX XXXX and XXXX XXXX in XXXX, AZ. After going inside, they suggested I " call customer service '' because they " dont have access to that ''. I would like a replacement credit card sent to the address on file. I would also like my phone number properly updated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, around XXXX my purse, drivers license, credit cards, and cell phones were stolen from my vehicle that was parked in my garage. XXXX Police Department responded XXXX # XXXX. I went to Bank of America to inform them that I was receiving notification of suspicious activities on my account, and I was unable to call them since my phone was stolen. The bank asked me if I had an appointment, and if not, they were extremely busy and they could give me a number to contact their fraud department. ( XXXX ) who later gave me this number of ( XXXX ) I called the fraud department and informed them what had happened, and they asked her the same questions. I am receiving emails from the bank regarding suspicious activities going on with my account and I wanted to let you know that this is correct, and the suspects are using my credit cards. The bank informed me that they needed to verify who I was. I informed them again that my purse was stolen, drivers license, credit cards, and cell phones were taken and left, and I had no identification with me. She then informed me that she needed someone from the branch to verify who I was. I attempted to contact XXXX XXXX, she had worked with me on my business account, and she informed me that she was busy and could not speak with me. I spoke with another female who was running the bank and she informed me that everyone was busy with appointments and unable to assist me. XXXX XXXX said she had an appointment at XXXX and she would give them XXXX minutes and if they did not arrival, she could take me. She was able to see me at XXXX. XXXX XXXX spoke with the fraud department, and I thought I was verified. For XXXX hours I pleaded for the staff at Bank of America Branch and the fraud department to assist me and nothing was done. I have attached the log of the purchases which includes the time I was at the bank pleading for them to put a fraud in my account. On Saturday, XX/XX/XXXX, I was still receiving suspicious activities emails again from BOFA, and I was confused that the bank was allowing the suspect to continue to make purchases on my account. So, I called the bank again and the fraud department said they never received information regarding there was a fraud on my account. I have attached a copy of the date/time of the purchases. I made an appointment online to go into the bank to discuss with the Branch Manager, how could this have occurred that the suspect had more access to account than me. Also, to see what more I needed to do for my accounts that were compromised. My appointment was on Thursday, XX/XX/XXXX at XXXX. I received a call from the gentleman around XXXX ( I am not sure of his name ) to inform me of the fraud process, and I informed him that I made an appointment, and I would like to speak with the Branch Manager. I arrived at XXXX for my appointment at XXXX, the Branch Manager XXXX XXXX informed me that someone will be out to speak with me about my appointment. I asked him if he was the Branch Manager and he said yes. I informed him that he was the person that I wanted to speak with about what had happened to me on Friday, XX/XX/XXXX and he informed me that the bank policy for fraud is you need 2 forms of identifications to husband and wife come in all the time claiming fraud, so if I did not have an appointment and 2 forms of identification they would have to wait until someone was available to assist them. At this time, I was completely confused since this was not my issue and I am the only person in my personal and business accounts and they both were comprised. I informed him that I was here to file a complaint against this Branch and Bank of Americas fraud department since someone dropped the ball on allowing the purchases to continue when I was in the bank for 2 hours trying to get them to put on fraud on my account from XXXX Friday, XX/XX/XXXX until XXXX, Saturday, XX/XX/XXXX. The Financial Center Manager XXXX XXXX explained to me. ( You can file a complaint, but they are just going say they were new and did not know what they were doing ) I was confused again that he as the bank Financial Center Manager did not take this seriously on how my bank accounts were comprised and the amounts that were attempted or went through on my accounts. ( Over {$21000.00} ) XXXX XXXX had XXXX XXXX ( Relationship Manager ) to assist me with filing the complaint and closing my business checking account and opening a new one. Complaint filed with Bank # XXXX I called the bank 6 times to get them to stop the fraud in addition to being in the bank for XXXX hours. Here are the calls identification number made to the bank : XXXX XXXX XXXX XXXX XXXX XXXX Contacted the bank today ( XX/XX/XXXX ) and they were not aware of the XXXX charge and would file a claim for this even though I informed them of this on XX/XX/XXXX. Thank you, XXXX XXXX. XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: Over the course of a 3 - 5 year period ; Bank of America has periodically blocked access to stated account ; through means of locking out of therein account access ; such has included the instanteous changing of representative figuring to that of banking records ; to therein causate pretensing of interpersonal mental illness ; or to that therein of targeted fraud against stated account to therein detriment access to such stated card. Supporting of Art is actually listed on that of the Bank of America website ; through financing or otherwise opportunities ; that of which when trying to contact Bank of America ; stated bank pretensed entrapment towards the financing of a home or mortgage loan referrent to that of stated family members to pretense property theft ; or the co-opted enslavement of credit capital to that of inter-familial exploitation. Such was responsed to that of calling Bank of America to therein try to leverage self-creationed digital art or Photography as to that of collateral for obtaining a such stated loan; wherein I was then referred to a representative who ascertained continously recommending as to that of a home mortgage. Bank also therein merged stated Merill Lynch Associates to that of Bank of America ; to illustrate the financial organisations vested interest towards organ trafficking self ; or therein permissing identity theft relational to that of fraudulated financing obtainment or theft therein to created photographic works and art. Of regard was therein Bank of America ; positiioning the prioritisation of otherwise relationships to that of targeted consumer detriment referent to the U.S. political and financial establish regarded to that of " Big Money ''. Of response when trying to reset the Bank of America password for my stated account ; Bank of America denied several passwords ; only accepting a password that was self-deprocating or abusive towards self ; to therein causate or attemptively try to create suicidal ideation or mental stressors to that of myself ; wherein such thefting could be exerted of relative regard. Such would be responsed to stated Bank simply being regarded to that of namesake " Bank of America ''. Such is illustrative how financial infrastructure can be maligned or tortured to therein psychologically or financially assault or affront consumers ; espcially to those of low economic margin or standing for commerciallised imporverishment towards the induction of stress and mental disfiguration to then alienate from the ability to take advantages of services. When approaching Bank of America of regard to that of potentiality to that of a Business Plan ; Bank of America refused ; as therein it would have been able to be shown that such organisation was therein wantonly openly engaging in IP relationed harms, to providing or supporting familial emnity to the abuse therein of services. Bank of America email was sent to represent that someone else other then myself had visited the stated institution ; to give premises towards the bank tolerating such basis to that of identity thefting of regard to account and services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
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: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: On Monday, XX/XX/2023 a payment of {$1000.00} was made to begin an agreement to dismiss a case in XXXX XXXX and unfreeze my bank account. The money was immediately withdrawn from my father XXXX XXXX 's account and I was told the case would be dismissed. I was told it would take three business days for the payment to clear and the case to be dismissed. XXXXXXXX XXXX XXXXXXXX XXXX did not file a dismissal in XXXX XXXX in a timely manner as retaliation for my previous complaints with the CFPB. My bank account with XXXX XXXX remains frozen as of today on XX/XX/2023. I contacted XXXXXXXX XXXX XXXXXXXX last week on Wednesday XX/XX/2023 and was told that the dismissal had just been filed and that XXXX XXXX had been sent a letter of dismissal on Tuesday, XX/XX/2023 via US mail. I received this update after I called three times to try to reach someone at XXXXXXXX XXXX XXXXXXXX and received voicemail prompts. They made it difficult to even receive an update on anything. I was told that I could call back with a fax number for XXXX XXXX where they would send a fax to notify XXXX XXXX of the dismissal. I provided a fax number for the XXXX XXXX XXXX department and was told by XXXXXXXX XXXX XXXX on a recorded phone call on Wednesday, XX/XX/2023 that they would send a fax to XXXX XXXX to have my bank account unfrozen. As of XX/XX/2023 this has not occurred. XXXX XXXX XXXX has retaliated against me with actions to not allow me access to my bank account with XXXX XXXX more than a week after a case dismissal in the city of XXXX. This is the second case dismissal for this action. Once in XXXX XXXX and once in the city of XXXX. There should be fines and legal action brought against XXXX XXXX XXXX for this retaliation. This is illegal conduct and they do not have the legal right to operate in this manner.
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: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2023 my bank account was placed on levy for a credit card debt with a case action in XXXX, Virginia. Previous notice was sent to an address in XXXX XXXX, Virginia which I never received. The case in XXXX XXXX, Virginia was dismissed. I did not receive notice of this case in XXXX, Virginia until XX/XX/2023. I was provided a judges order in XXXX, Virginia that was placed inside the door of my residence on XX/XX/2023. My due process rights were violated and a levy was placed on my XXXX XXXXXXXX bank account with no notice of hearing.
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: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I upgraded my old phone and mobile carrier ( XXXX XXXX XXXX XXXX XXXX phone- ( XXXX ) XXXX ) to a new phone with a new mobile carrier ( XXXX XXXX XXXX ( XXXX ) XXXX ). I reported my new telephone number to Bank of America ( hereinafter BofA ) on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. I explained extensively to BofA via phone, and, at my local BofA branch-at the insisting of the BofA phone customer service representatives, whom claim, your contact info can not be upgraded and as a result your BofA online banking services are locked indefinitely. Bank of America has refused to update my new telephone number and is locking me out of their BofA Mobile Online Banking App. BofA has, subsequently to my civil procedure communication with them, ( BofA ) insisted, and insists, that I go to my local branch with my identification to see local branch agent ( s ) whom will then contact other BofA customer service representatives elsewhere to validate my identification, so that I can gain temporary special access to my BofA online banking featuresat my local branch only. I have important automatic bill payments and one time monthly bill payments to schedule and manage regularly and need to regain access to my BofA Mobile banking App to receive important security alerts and two-step verification codes via text or email whenever I log-in to my BofA mobile banking App like I was doing before I upgraded said old phone to said new phone. I even requested to BofA to change my text 2-Step verification codes to email 2-verification codes, and BofA denied my request and continues to refuse to update my new telephone number for online banking purpose. I have filed other complaints against BofA for other wantonly malicious torts BofA has perpetrated against me, before. This is my fourth complaint I file against BofA and the XXXX different intentional tort BofA has wantonly maliciously perpetrated against me. I have been keeping a meticulous banking responsibility with BofA for XXXX years to date living on a [ earned income entitlement ] XXXX XXXX Social Security XXXX Income, and I have [ verbally ] repeatedly asked Bank of America to cease and desist their harassments and infliction of emotional distress against me. I am requesting that my telephone number be updated immediately, so that I can keep a vigilant safety management of my checking account security with Bank of America via their online banking mobile app. Thank you for timely addressing this very important legal matter that is in accordance with my legal rights, per the United States Code of Federal Regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A