Date Received: 2023-07-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: A collection agency called me trying to collect {$17000.00} from a bank of america visa card debt from back in XXXX and yet nothing reported to XXXX for XXXX plus years until now. I am XXXX XXXX XXXX and XXXX living on XXXX XXXX XXXX living in a tent out in the woods and no way to fight these alligations. I don't know what to do. I am on extremely long waiting lists for housing and this will ruin my chance to get housing for 10 years. i will be dead before 10 years living in a tent. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a fraud in my account with some XXXX transfers and some transactions in my bank account. I already reported it and canceled all my cards. But I need to see how I can get my money back. I lost all my savings and the money from my debit account. And they tell me that it takes 20 to 45 days to be able to do the research. I don't have the money to pay my bills. I really need help to find the solutions. And I already made the report to the police.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I received an offer from Bank of America through my app where I was advertised that if I opened a credit card with them, I would get a {$200.00} bonus, I only had to sign up online to get the reward. After a few months I noticed I didnt receive the bonus and read the fine lines and saw that I had done everything to receive the bonus, which was consume {$1000.00} in a timespan of 3 months. I called the company and said that they would look into it and I would receive a card with a response and all I got was a card that said that my card did not have that offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I recently checked my credit report with XXXX. On it, I noticed a credit card in my name was opened on XX/XX/2022 by Bank of America. I never applied for a credit card with Bank of America, and never received one in the mail. I believe I am a victim of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Bank of america ofered to send me a transfer XXXX XXXX XXXX from my edd debit card because there was an issue with my replacement card. So in the mean time they offer the option to wire me some money from my account. So my edd card was debited {$2000.00} plus {$10.00} fees. I was provided with a confirmation number and when i try to pick up the money at XXXX XXXX XXXX they told me that the trsnsaction was cancel because bank of america never release the money to them. So i call bank of america N they said that XXXX XXXX XXXX cNcel the transaction. So i dont know whats going on but now bank of america its telling me that they waiting to gwt the money back from XXXX XXXXXXXX so they cab refund me the money. Its been 15 days and still havent receive my money. And they now telling me i have to wait 45 bususbes days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I began working for a XXXX XXXX XX/XX/XXXX. My first check was a paper check dated XX/XX/XXXX in the amount of XXXX drawn from Bank of America. I deposited it into my BMO bank account. Within a few weeks I began to receive statements from Bank of America about a checking account with my name on it. I contacted BOA and spoke to the Fraud Department on XXXX XXXX, XXXX. I explained I didn't open an account nor authorize anyone to open an account and I want it closed IMMEDIATELY. I asked the representative if BOA opened it because the date it was opened was shortly after time my paycheck cleared. She assured me they wouldn't do that, they would need my authorization. She told me I would receive and email with instructions and paperwork in the mail, instructed me to mail back a copy of my SS # and sign stating I didn't not authorize. I refused to give my SS #. I received another statement with fees in the mail on XX/XX/XXXX. They refuse to close it. I took a photo of the check the day I deposited it. I did not open any accounts with Bank Of America and they refuse to close it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46214
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I made a claim against a fraudulent company to Bank of America. I used my debit card to pay for services from taxnetworkusa but then found out, right away, they are really moneysolver.org which has a massive amount of bad reviews. Also the person who called me from XXXXtaxnetwork ' lied to me by claiming he was in contact with the irs and they were coming after me... .scare tactics. I made many attempts to contact taxnetworkusa ; 5 emails and several calls explaining this and asking for a refund... all within 24 hours. My problem is Bank of America has no rational way to make a claim. There is literally no way to send them the information I need for my claim. They claim that they only have fax for me to send to and I have no way to send these files using fax. That is last century 's technology. I tried online for half a day and failed. Clearly this is how business is done today ; make it difficult as possible and they don't have to be serious about the claim. The claim will be denied for lack of facts. I called BofA many times and was told each time they only accept faxes. How is that possible today?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I received an email that my address had been changed, so I logged into my bank of america app to see that a checking account was opened up in my name, which I didn't authorize. They closed the account. The next day the same checking account, with the same account number was added back to my account. I called in again to tell them I didn't authorize it. They closed the account again. Then informed that they had to close my account ( after 35+ years of banking with them ) and that i would receive a check in the mail in 7-10 days. I asked if I could go into a bank to get my money, the answer was no. My funds were frozen and no one got access to them! I still have not gotten a check! It's been a month, I am behind on my bills. I had bills on auto pay bouncing. My mortgage was late. I have reached out to the SEVERAL times, the fraud department will NOT release my money!! I am desperate for my money!! They can't ruin someone's lively hood like this! They put me in debt!! And are ruining my credit!! Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: BANK OF AMERICA IS ATTEMPTING TO FORECLOSE ON MY HOME WITH A DEED THAT FROM NATIONSBANC MORTGAGE CORP ON IT THERE IS NO ASSIGNMENT OR TRANSFERS TO BANK OF AMERICA NA. I HAVE MAILED 2 DIFFERENT QWR AND BOA HAS YET TO RESPOND TO EITHER. I HAVE ASKED FOR THE GAP ACCOUNTING AND SUBMITTED.A DEBT VALIDATION LETTER.BUT HAVE RECEIVED ANYTHING. BANK OF AMERICA WAS IN THE PROCESS OF WORKING ON A MODIFICATION WITH ME BUT THE WERE STILL MOVING FORWARD WITH FORECLOSURE PROCEEDINGS SIMULTANEOUSLY THIS IS CLEARLY DUAL TRACKING. COPY OF THE 2ND QWR IS ATTACHED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
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: Unexpected or other fees
Subissue:
Consumer Complaint: The problem I keep having is that when I receive my monthly statement it doesn't coinside with any of records. The statement I received is completely off by sometimes hundreds of dollars that seems to keep vanishing and the last time I spoke to someone about it they couldn't figure how or why it literally went for example XXXX down to XXXX dollars without any type of monies ever been transfered or withdrawn or made a purchase with said card. Now I can show the records if necessary to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90744
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A