Date Received: 2024-01-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This serves as my formal complaint to BANK OF AMERICA. I am writing you and your company with a goodwill request. I have kept a good paying history with you. I noticed a late payment on my credit report which is a result of a payment misunderstanding. I typically have my account on automatic payment but misunderstood how the online system worked. Im asking as a long-time customer to please remove the late payment dated XXXX, XXXX since it has been settled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America Claim number : XXXX Amount : {$2200.00} I made a deposit, but it was not deposited due to a machine problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07650
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: So last year XXXX XXXX ( owned by Bank of America ) locked my brokerage account with no notice for any reason. I have contacted customer service multiple times and the customer service assured me they would reach out to the team who handles then contact me with an update. All three times I have not received any followup communication nor any status regarding my account. Would like to resume using my account but no information on the reason for the limited access nor a solution on how to fix.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87144
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello. On the night of XXXX XXXX XXXX, criminals broke into my car and stole bank cards : 1 Bank of America business debit card , 2 Bank of America personal debit card , and 3 Bank of America credit card . Also one international card of XXXX, and an EBT card. On XX/XX/XXXX, Bank of America called me and informed me that a passerby had found my card in the parking lot in front of the bank. On the way to the bank, I discovered that all the cards were missing. Thats how and when I realised that the cards were stolen. I filed a claim with Bank of America because all the money that was on my Bank of America debit cards was withdrawn through ATM cash at a Bank of America ATM and XXXX XXXX in XXXX. Though, I never received any notifications either by phone or by email when the money were being. The bank told me that there was no need to contact the police, since the bank itself would conduct its own investigation, study the surveillance cameras and return the money. But when I arrived home, I still called the police, who opened a case. Today, XX/XX/2024, I received a letter dated XX/XX/XXXX stating that the money will not be returned to us on the basis that : The charge was authorised by you or made by someone who has permission to use the card or account. I perceive this decision as an accusation that I myself staged the theft of my cards. I consider this decision as an insult and a false accusation. I ask you to intervene in this situation and influence the banks decision in my favor. because the bank failed to protect its security system and my personal data was hacked. It was from the cards of this bank that the amount of {$2100.00} was cashed out and purchased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Closed my account for no reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: My phone got stolen in XXXX XX/XX/XXXX. Somehow they got into my phone, change passwords, email, used the saved passwords and logged into my bank account. Transfer money, used my credit cards, XXXX etc. All the other financial companies agreed that I was victim of fraud, even my other bank, blocked my account because they didnt recognize the location where it was processed. I sent to Bank of America police reports, cancellations of that trip, XXXX evidence of fraud, XXXX XXXX evidence of fraud, insurance company replacing my phone, XXXX customer service email with the XXXX recovery process etc and many more thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Bank of America pulled my XXXX credit report without my consent/permission. The auto loan was for the business and should have used the business credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94561
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am a consumer by law. My credit report continues to report these inaccurate items that you continue to report. By law you are not mandated to report inaccurate information you can not verify with evidence. This is harming my ability to get competitive auto insurance rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My husband passed away on.. On XX/XX/23 I went into XXXX XXXX XXXX XXXX XXXX and got pre approved on a mortgage Loan. When the loan officer printed my report- XXXX XXXX Revolving card showed up on the derogatory report. Balance is XXXX, & paid off XX/XX/23. When I asked the bank to remove incorrect report, I got passed around to many different numbers and people with no help. I went into the bank and spoke with Bank Manager in XXXX- she filed a report for a supervisor to call me. I was told the card was not on my name -the bank has copies of death certificate and everything was dealt with. If my name is not on the account- why is it on my report? Why is it on ANY report of its paid off and not delinquent? I called the number on the back of the card. Its not the right number. I called the number on the back of credit report for XXXX XXXX Dispute Center. That number is incorrect. I got put on hold on all instances and probably over an hour on the phone. Please see attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99654
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: In XX/XX/year>, Bank of America called me informing me that the account was blocked for reasons of suspected fraud, from a client who placed an order and wire transferred {$60000.00}, invoice XXXX XXXX and we are still in contact with the client and I have all the documents of the wire transfer, but on many occasions, I have contacted Bank of America and several XXXX but they all tell me something different but I do not have an explanation where the funds are and when they will send it to me, it is a total of {$240000.00} my company has received XXXX and XXXX payments of less and more amounts for more than XXXX XXXX. I need an explanation and the funds as soon as possible since it is due to the capital of a small company that has XXXX expenses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A