Date Received: 2023-07-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Second time someone tried to open an account through Bank of America that is not me. I received email today ( XXXX ) from BOA directly stating another attempt was made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49401
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am have a bank of america credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my bank of america to XXXX XXXX, someone created XXXX XXXX account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to bank of america now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now bank of america is not helpful at all. When bank of america need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. At the time when i know some {$10000.00} cash advance i contacted bank of america XXXX right away when it was just in processing state [ if bank of america have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. Even i reported to discover bank and discover bank says as i am not an owner of that bank account as i reported then fraud so bank of america is the only one who need to resolve this as i am bank of america customer. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my bank of america credit card cash advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53186
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This all happen in XX/XX/2023, I am have a bank of america credit card account and someone got my all personal info & i don't who & how it got leaked but then someone did a cash advance transaction of {$10000.00} from my bank of america to XXXX XXXX, someone created XXXX XXXX account also fraudfully on my name and even my personal phone number was stolen and ported out all on same day. he used all my info like name address stolen phone number ssn, i did police complain and provided all documents and details to bank of america now everytime they say on fraud claim that it was your same personal information which was used like address etc so we can't refund the fraud amount {$10000.00} back. It is logical that if someone fraud stolen all my info from somewhere and fraud doing personal will use customers info only not his own identify to do fraud activities but now bank of america is not helpful at all. When bank of america need business then they will alway be behind customer to sell their product but now after customer is using their product and getting fraud issue then they not refund {$10000.00} money for which i got fraud. My Claim number : XXXX was this. At the time when i know some {$10000.00} cash advance i contacted bank of america XXXX right away when it was just in processing state [ if bank of america have any call records then it will be recorded as part of those customer care calls ] at that time person from fraud team said no need to worry let it complete we will take care of it and fix but afterwards now they are not at all refund money back. Even i reported to XXXX XXXX and XXXX XXXX says as i am not an owner of that bank account as i reported then fraud so bank of america is the only XXXX who need to resolve this as i am bank of america XXXX. Now i don't know where to go how get my {$10000.00} money back for which fraud has been happen with me on my bank of america credit card cash advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53186
Submitted Via: Web
Date Sent: 2023-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: IMJ A VICTIM OF IDENTITY THEFT!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I currently have a complaint open with CFPB XXXX. I am adding to that complaint. The money in the complaint was taken out on XX/XX/2023 and paid back on XX/XX/2023 as instructed in the complaint previously filed. I am now being charged interest. On XX/XX/2023 they charged me {$25.00} interest. I don't know what that is for. The only amount on that account is {$240.00} cash advance fee they charged, and they didn't tell me about. How do I get this resolved? This is causing stress and anxiety.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I believe that my identity has been stolen for a second time. Someone opened a Bank of America credit card in my name ( the address used was on XXXX XXXX, XXXX, Florida ) ; also, I began receiving hundreds of emails in my XXXX account, telling me that I had signed up for accounts - or even ordered products - from companies all over the world.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60156
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I was approved for a BofA credit card with a {$7500.00} charge limit. I got the card on XX/XX/23 for the sole purpose of booking a family vacation condo through XXXX and to take advantage of the Bank 's promotional benefits : {$200.00} reward credit for card charges of {$1000.00} in the first 90 days, a 3 % reward on travel charges up to {$2500.00} and 1 % reward for remaining charges. I tried to book the {$6800.00} condo and the Bank denied my charge saying it was too large and I would have to present identification at their nearest branch office which is XXXX miles from me. Why approve me and then deny a purchase? I wound up using one of my other credit cards. Bank of America owes me {$310.00}! First {$100.00} purchase within 90 days {$200.00} 3 % of XXXX {$75.00} 1 % thereafter ( ( {$6800.00} - {$2500.00} ) @ 1 % {$43.00} Total {$310.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42104
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was alerted by XXXX that my credit was pulled by Bank of America. I have no need to use BoA and didn't request anything from them. I tried calling the BoA number on the XXXX report but was continually disconnected because I don't have an account with them. I then had to use XXXX XXXX to try and speak with a BoA rep who then told me ( without asking any confirming information ) that there was no way BoA pulled my credit and XXXX was wrong. Now just days later I received a credit card from BoA using a name I haven't used in 20 years for a credit card I don't want. No one at BoA will help me and now my credit has been expanded for usage for a card I don't want. Lack of any help at all from BoA has been shocking. I can't tell who asked for the card, if there has been fraud, etc because I can not get a rep to respond to my inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 600XX
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a Balance Assist loan with Bank of America and I was denied. The reason for the denial was " one or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file bankruptcy. '' I have never had an account with Bank of America discharged in a bankruptcy. In fact I've been a loyal customer with Bank of America since 2015. My daughter had a credit card with Bank of America that I was an authorized user on and she filed bankrutpcy. I should not be held liable for that. I do not have an intent to file bankruptcy so there is no way the company received this information about me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I ve been victim of identity theft and I have tried to alert the companies of my issue as well as the bureaus of credit and no one is giving me an answer I have submitted letters to the bureaus stating that I dont recognize this inquiries but they are still in my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77055
Submitted Via: Web
Date Sent: 2023-07-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A