Date Received: 2023-07-26
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: Account number : XXXX XXXX XXXX XXXX I'm filing disputes on charges dated from : XX/XX/XXXX to the XX/XX/XXXX I was incarcerated and did not authorize the use of account or any transactions. I did not allow the charges and the charges are fraudulent. I have spoken with the bank and have not been given a refund or credit not has the bank filed the disputes as I have requested them to do so. The bank has places an illegal balance on my credit for {$900.00} dollars and submitted false information to the credit reporting agencies. I deny the balance due and deny all charges and money owes My name is XXXX XXXX MY PHONE NUMBER IS XXXX MY EMAIL IS XXXX My Mailing address is XXXX XXXX XXXX XXXX WA XXXX My current home address is XXXX XXXX XXXX XXXX XXXX CA XXXX My prior address was XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My prior phone was XXXX Prior email XXXX. I have been speaking with the bank being pulled around in circles and not been allowed to file disputes and process my FDIC CLAIM. I HAVE INFORMED THE BANK THAT THE TRANSACTIONS ARE NOT MINES AND I WANT THIS RESOLVED. I don't know how many more times I have to go to the bank and provide all the documents needed and still not be helped. I have filed disputes just recently ana still have not been assisted or had anything resolved. I did not make any purchases or withdrawals from my account, I was unable to use account as I was incarcerated I was arrested on XX/XX/XXXX and my sentence started at XX/XX/XXXX which clearly proves that I was unable to use account. I don't know who accesses the account nor did I give any one permission to do so this is not my transactions as I've stated I'm filing disputes on all transactions from XX/XX/XXXX ( day of arrest ) to XX/XX/XXXX ( date of release ). I've been to the finical institution several times and to no no avail I have been contacting the financial institution several times I have spoken with every department from the fraud department card services disputes I have called them repeatedly and I have been given the XXXX I have attempted to file many disputes about these fraudulent and illegal transactions and no one is contacting me. All the transactions from XXXX the XXXX of XXXX until XX/XX/XXXX of XXXX are being disputed as fraudulent and illegal not mines and needs to be removed from my credit balance immediately. I'm challenging the false information reported to the credit bureaus that has my account overdrawn and in the negative as it is false and illegal as I did not use his credit card nor that I rack up any charges and I'm now challenging you to have removed from my credit report immediately. The false information is forbidding me from opening a bank account obtaining a car loan moving into an apartment at other financial matters and this situation does not resolve immediately I will be falling at Federal lawsuit against Bank of America. I want Bank of America to inform the financial bureaus that the information that Bank of America has previously reported as false that my account is not in the negative that my account is not overdrawn and that I owe Bank of America no money in my account is in good standings. I would like for Bank of America to issue me a new credit card and restore my credit and my balance immediately I would like for Bank of America to contact me at the information provided to resolve these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93704
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Bank of America will not release my funds. Fraud was committed on my account in which i reported to Bank of America. Bank of America has been investigating the claim for over 30 days. My account is being closed in which no one has explained anything I keep getting the run around and told they will not release my money till the investigation is close in which they still do not have a close date. I have explained my financial hardship and having no money to feed my children and they are still giving me the run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93561
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/, Bank of America 's autopay system withdrew a payment of {$260.00} despite the fact my account had a {$0.00} balance as of XXXX After the autopaymentI had an account credit $ XXXX. I called Bank of America on XXXX XXXX XXXX and requested the amount be electronically refunded as soon as possible. The representative I spoke with said it would be refunded in 7-10 business days. After 10 business days I still did not receive the promised refund. I called again on XX/XX/XXXX to request the status. The customer service person told me that the previous representative made a mistake in submitting the request on my behalf. As a result it will now be refunded within 1-2 billing cycles. This could be up to 60 days. I expressed that this was unacceptable to me. The representative could not offer any solution to refund me sooner. I requested Bank of America close my account on the same XX/XX/XXXX call. The customer service representative confirmed this request with me over the phone. As of XX/XX/XXXX, my account is showing as active on their website and mobile app. It appears they did not honor my request to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60660
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking account is being closed with no reason provided. They have frozen my ability to use my debit card and will not allow me to withdraw money. Its too late to have my paycheck deposited into another account, so all of my money will be in that account tomorrow. My mother just passed away. I need access to my funds so I can make arrangements!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89123
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I mailed an endorsed bill, Power of attorney, Federal reserve act XXXX, and instructionals ( claim of credits ) indicating to apply the principals balance to the principal 's account for each and every billing cycle for set-off. I also instructed the CFO XXXX XXXX XXXX to communicate in writing within XXXX business days once instructions are completed. If instructions are not completed, I instructed the CFO XXXX XXXX XXXX to respond in writing within XXXX business days giving a reason for non-performance of fiduciary duties. If no communication is made within XXXX business days I can assume that instructions have been completed. I demand that the accountsbe reopened for use. The closing of the account was not authorized by me which is an indication of violation of securities, breach of contract, and identity theft. They received letter on XX/XX/2023. ( tracking # XXXX ) Never got any response. On XX/XX/2023 I mailed another endorsed bill, federal reserve act XXXX ( XXXX XXXX XXXX ) and instructionals ( opportunity to cure ) stating the same thing as the first packet that I mailed. They received on XX/XX/2023. ( tracking # XXXX ) Still got no response on the issue or that it has been complete. On XX/XX/2023 I mailed another endorsed bill, Federal reserve act XXXX, XXXX, and the same instructionals as above. ( Notice of Default ) They received a packet on XX/XX/2023. ( tracking # XXXX ) Still no response and still have not credited nor re opened the account for use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Some of my recurrent instant online payments are on the same day that I get my direct deposit, I know that as soon XXXX strikes the direct deposit is deposited in my account ; but Bank of America still charges me the overdraft fee for the online payment ; make it seem I didnt have enough money for that recurring payment ; they make it seem they cover the payment before my direct deposit was in my account ; its been several times that this happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91504
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have received several inquires from Bank of America without my authorization. They have open accounts on my behalf which I never request. I contacted the bank on XX/XX/XXXX after receiving a credit card on the mail that I never request, for this they did a credit inquiry on XX/XX/XXXX. After this incident I check my credit report and they have been unauthorized inquiries from bank of American since XXXX. I have never request nothing from this bank I am not even a costumer. Today XX/XX/XXXX again my bank notify me that on XX/XX/XXXX there was another inquiry on my credit from Bank of American, again this was not me. I contacted the bank again and they told me I am probably a victim of identity theft. I told them I have only received unauthorized inquiries from their bank and no one else. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XX/XX/2023 I tried to use my debit card to do a purchase, only to find out that My bank of America account was closed, without notice. Without any explanation. After that I tried using my business debit card I was told that the was not authorized. So basically on a Friday at XXXX XXXX XXXX I could buy grocery or gas nothing I was left with no money the bank locked me out of my bank account no access to my money. Then called the bank and 3 hours later after asking to speak to a manager I was told that all of my bank accounts will be close because of a banking business decision. I then went in to the bank on XX/XX/2023, I was then told that I would not have access to my money until the send me a check in XXXX. I pleaded with them to release mu funds so I can leave the refused. I need to pay my bills I am not able to do anything without money my business account no access. I could not conduct any transitions. to make an income. This is very disturbing. That a bank can hold on to my funds and put me in a very bad situation. I could function for days without money. I am single XXXX women with other way to make an income but to work for it. Please you help me to get my funds back.
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: 2023-07-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I bought a home in XXXX, {$69000.00} and moved to the XXXX XXXX. I became a real estate agent. I opened a bank account with Bank of America, in the city of XXXX. and soon after, I started getting non-sufficient notices after I would make any type of payment with my checking account or debit card. I work in the XXXX XXXX field and I was making large deposits from my commission checks. i always made sure that I had sufficient funds before i made any payment. I lost my house. First I started receiving a new debit card in the mail without me requesting one. i contacted the bank and they could or would not tell me why I received a new card. I did not report it stolen or lost, so I was confused. I then started receiving calls that my payments to my Mortgage, my utilities had not been received. Everytime i got a call I would confirm that I made the payment. I was always told my payment was not received but my checks would come back as paid every month. I would have to make the payments again, by cash to XXXX XXXX I thought maybe someone got a hold of my account, so I would close out my account and open a new one. In XXXX I bought my 2nd home, {$210000.00} and the problem continued, I was told not 1 payment had been received, I lost that home, and became homeless. In XXXX I bought my 3rd home {$190000.00}. The worst was when I bought a Cell phone store, I lost $ XXXX and it was lost instantly, it just disappeared. The calls kept coming in telling me they did not receive my payments. I had my utilites shut off. I would go to the bank to speak to the XXXX, He would leave to lunch and not come back. I did this for months I could not put my money in the bank anymore. I lost all my houses, my XXXX, my XXXX, because my payments never made it to the companies. I still can not open a bank account because if I do my money just disapears. I did a lot of investigation and found that my money was going out of my account by online checks they were not real checks they were just look a like online, but Bank of America would not help no one would help. My family started thinking I was spending my money and not paying my obligations. I no longer could put money in the bank because it just disappeared. Please help me. I would like to recover or get back what they took from me or the monetary value of all my losses, since XXXX. I'm sure you can find all my account in storage. I even went to XXXX XXXX to get copies of my checks to my account because they said that was the place all document were stored, to prove I made my payments. I had no luck. Till this day I am trying to recover but I can't, I had such major losses, I don't know how to recover. In XXXX I received a check from my Mortgage company for 1 full payment that somehow they found. this was the same payment they said I never made and lost my 3rd house along with everything else I had. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased my home in XXXX XXXX in XX/XX/2002. My original Lender, that I made my first payment with, was XXXX XXXX XXXX. Bank of America became my Lender after a Merger of the two companies. My original payments made to XXXX and all corresponding paperwork I signed, should be with Bank Of America. I want my XXXX file which should include my payment history, loan application, deed, note, and all monthly statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77498
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A