Date Received: 2023-07-28
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 presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to 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: 33172
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America XXXX XXXX over charge frauduelent check charges and restriction without consent every month for us treasury XXXX check XXXX XXXX of the month withdrawl XXXX to XXXX in fraud checks each month which is deducted out of my XXXX check that is direct deposit in all of these banks. include XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in XXXX XXXX and XXXX XXXX XXXX in XXXX and recently XXXX XXXX deposited my XXXX XXXX XXXX treasurers check and payroll check into there branch in conyers without my consent from XXXX XXXX in XXXX XXXX XXXX XXXXXXXX both both took my income never had account at XXXX XXXXXXXX XXXX fraud activity my name is ms XXXX XXXX XXXX my social security numer is XXXX i am on XXXX since XXXX in XXXX XXXX XXXX born in XXXX XXXX. i do not need identity fraud american citizern and can prove it.all amounts add up to including social secuity which gave away XXXX to a family member XXXX XXXX XXXX XXXX XXXX or XXXX or XXXX XXXX from XXXX to XXXX whrn my son graduated out of school without my consent still using my information for these banks etc..mortgages credit from XXXX and selling my info. ttotalling XXXX maybe more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Just received the cards and tried to follow the Bank of America app to activate the card. Instead Im met with a message saying there has been suspicious activity on the account. I just got the card! I have called several times and even tried using other ways to activate the card. Im confused how a card I just got, a brand new account has suspicious activity on the account. I can not get through to talk to the company. I sat on hold for hours and still havent spoken to someone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I signed up for auto pay. This month, I was charged late payment fees and interest because the auto pay didnt work. I had XXXX the credit card amount in my checking account at the bank, so it wasnt an inability to pay. The bank auto pay didnt work and then I was charged for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98607
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: This debt is a debt that I paid until I found out that I have the right to have the debt XXXX via remittance coupon method. They then took remorse against me by closing the acct and charging the debt off placing it into collection. They have reported the collection acct with a pass due amount of {$9200.00}. This is a violation of the FCRA and also in violation of requisite XXXX Complaint reporting standards. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX Compliance regulations. I have the right to a fair and accurate credit report. In addition, according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. ( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( B ) is also a violation of requisite ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I am requesting that the following items be removed from my credit report immediately because I was informed that I had the opportunity to opt out I was not given the opportunity to opt out and according to 15 USC 1681b ( a ) ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I never gave consent ( written instructions ) to report collections, charge offs, late payments to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
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: A charge was made without my authorization, When I call to quote a trip and the representative XXXX filed the charge without me authorizing it, because I was not sure yet, I indicated that I was going to call her back because I had to consult with the other travelers if they agreed with the trip because we had XXXX XXXX and I sent the positive tests to the bank as proof and we indicated the error or the charge they made without even agreeing with the reservation, XXXX the representative of XXXX for getting out of the way and not waiting in the line charge my card for the amount of {$1700.00} because I had already taken the information from my bank and told me do not worry that you can dispute it and you will be refunded the money for the error, Unfortunately, this was not the case. I demand that Bank Of America and XXXX by XXXX return my money. It is their problem for not waiting patiently on the phone in what we consulted. Nor do I enjoy any paid service, they kept my money without giving me any option, only to claim that it would be returned, but the problem is that I do not authorize that they submit that charge at any time and I demand my money back, it is not fair that in the middle of the same call they indicate one thing and do the opposite more when I do not enjoy any service for which they were paid. I want you to help me solve my case and get my money back because it is not fair to be billed for a service which was not purchased and not authorized on my part. I understand that the error of the representative I can not pay, also one by law has 24 hours to cancel a reservation which only passed a minute since the representative XXXX told me what I did and I indicated my disagreement. The bank denied my dispute and I have the right as a loyal and excellent customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06340
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America put a debit/hold on my account on XX/XX/2023 for XXXX causing me to have a couple XXXX left in my account. Being a college student and paying for my own schooling out of my pocket I had just paid my tuition which is quite a bit already. I had just got paid so now I have to wait another two weeks unless Bank of America debits my account back. I called them but was put on hold to where no one answered and I had to go to work. There customer service is awful and hard to reach most of the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023, I opened an ESTATE OF XXXX XXXX ( DECEASED ) account, with a {$100.00} deposit. This account was opened for the disbursement of funds held in escrow. On XX/XX/2023, late afternoon, XXXX XXXX XXXX, wired {$55000.00}, to this account. The account had no checks, or ATM cards issued by Bank of America ; Yet, someone using CUSTOMER WITHDRAWAL IMAGE, withdrew {$1000.00}, on XXXX XXXX. XXXX days later, CUSTOMER WITHDRAWAL IMAGE for {$10000.00} was taken from my father 's estate account. There are approximately {$55000.00}, taken from this account without my authorization, and without my knowledge. This had to be done within the banking system. Today XXXX XXXX, my account is overdrawn {$3.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2022. I fell victim to a muti-layered scam operation orchestrated by XXXX ( the company ), with the design, development, manufacture, promotion, marketing, distribution and labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. After gaining a substantial amount of profit acquired from the trading transactions, it seems that the funds in the investment platform can not be extracted anymore as instructed by the scammers withdrawal process and was told to wait for a few hours and it will be deposited in my cryptocurrency wallet address, but it never came. It was a very frustrating ordeal since my hard eared money was all gone using their very precise manipulation of the market trading nodes that appear to be a bogus transaction. Money was transferred from my Bank of America account via wire transfer, and through an intermediary cryptocurrency platform XXXX in the total amount of XXXX USD. ( XXXX successive wire transfers ). I lost my funds due to their misadministration and manipulation. Bank of America failed to protect me, and I failed to meet them halfway after so many tries to get in contact and ask them for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10566
Submitted Via: Web
Date Sent: 2023-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Im not sure what Bank of America trying to do but reordering transactions of XX/XX/2016 are inappropriate. Add counter credit? You mean the refund that you take it back when my account was negative? Oh and please dont add the credit in the beginning of the month, all nsf fees are eliminated, and the amount of transactions should not be changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A