Date Received: 2023-07-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I RECENTLY PULLED MY CREDIT REPORT FROM XXXX, XXXX, AND XXXX AND TO MY AMAZEMENT, SAW THAT THERE IS A FRAUDULENT ACCOUNT BEING REPORTED IN MY CREDIT FILE. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO KNOWLEDGE WHO OPENED THIS BANK OF AMERICA CREDIT CARD UNDER MY NAME. THIS IS A FRAUDULENT CREDIT CARD. THE FAIR CREDIT REPORTING ACT REQUIRES THE CREDIT BUREAUS AND CREDITORS TO BLOCK AND DELETE THE FRAUDULENT INFORMATION FROM THE CREDIT REPORTS WITHIN FOUR BUSINESS DAYS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received two letters from Bank of America that I was trying to open deposit accounts and they were declined because of my credit score. I never attempted to do this. So I locked my credit report and tried to contact Bank of America where I have either been disconnected after being transferred or put on an indefinite hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 218XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of America payment system does not allow for submitting a payment. When it is attempted, and error appears " '' There was a problem processing your request. XXXX is temporarily unavailable. Please try again later. '' I have screenshots. Called on several occasions to address this and no one at Bank of America seems to be able to resolve this the prior 2 months, including the latest call and being transferred to 3 different agents and spending over 1 hours and 15 minutes on the phone at XXXX XXXX pacific XX/XX/2XXXX This has resulted in late fees on the corporate account ending in XXXX and presumably upcoming finance charges based on an errors and issues with Bank of America 's payment system These late fees ( {$49.00} ) and future finance charges need to be reversed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98146
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was XXXX in XXXX XXXX and my phone was stolen from my hand. The next day i woke up to my email noting that i was subject to fraud. The person who XXXX me somehow reset my XXXX and got into my XXXX XXXX on my phone and liquidated my bank of America account. I have provided policy reports, signed Afadavits and screenshots of my email to Bank of America and they keep denying my claim. They are stealing my money even thought it's clearly fraud and have all the evidence to back it up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened XXXX business accounts at Bank of America XXXX I order XXXX cards XXXX for my primary account the other an employee card for the secondary account however I added funds to the secondary account and it automatically without authorization or knowledge went into the primary account I called and spoke with a representative and was told the cards are attached to appropriate accounts and that I may have made an error with deposit into wrong account after further issues being the same I called in Again and was told on XX/XX/XXXX XXXX XXXX that both cards was attached to the primary account and that funds have been used from my primary account every time the my employee swiped their card my account was notated and I was told the issue was resolved however upon further issue I noticed the card was still attached to my primary account and my employee was able to directly have access to my business funds via XXXX atm and any other means and I was told by the bank that they cant issue my money back and that I can file a civil suit this has caused a great deal of stress both financially and emotionally and I just want my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. The following information is outdated. I would like it removed from my credit history report BK OF AMER Account Number : XXXX Please remove it from my credit report. XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report. XXXX. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. XXXX. This is a duplicate account XXXX Account XXXX : XXXX Please remove it from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
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: On XX/XX/2XXXX XXXX accidentally charged my credit card ending in ( XXXX ) {$2000.00}. I'm saying it is a mistake, the vendor is saying its a mistake, but the vendor is unable to undo the charge on their end for the full amount. Bank of America has had this for 3 months, ( REF # XXXX ) has not refunded my money up front which they have done in the past ), and still have not processed this. I want this corrected immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I opened an Alaska XXXX XXXX XXXX XXXX Bank of America ( BoA ). I had the card for several months and made a number of purchases ( over {$3000.00} ) and paid the card in full. In fact, I overpaid the card by {$190.00}. BoA then notified me that there was fraud detected on my account and that I needed to report in person to a BoA lobby with identification to prove I was who I claimed to be. I told them that I would not be going in person since the nearest Bank of America XXXX is XXXX miles from my home. BoA said I had to go in person and I decided to close the BoA account for this horrible customer service. I was prepared to send them any documentation needed to verify my identity, yet, they insist I go in person. Now, I called to asked that BoA return my overpayment/credit balance of {$190.00}. They still insist that I need to go in person to prove my identity ( XXXX miles ) before they pay me back my overpayment. I have tried to resolve this and the BoA fraud department is blaming their customer service for the hold on my funds and BoA customer service is blaming the fraud department. I want my overpayment back and I am glad to send proof of my identity and/or get on a video call if they want that. I just want my overpayment back plus reasonable interest for holding my money without cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83634
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, Bank of America went into my checking account and emptied my funds of my account. They claim another bank account had been made at the beginning of the year in my name which I never opened. I had submitted all necessary paperwork proving who I was at the beginning of this year 2023. They claimed to have never received this information. Which led to them taking money out of my account on XX/XX/XXXX. In the amount of. {$1100.00}. I received a week after the fact a letter informing me they were going to be taking this money from me. After my account was already purged by XXXX and my account has been In negative standing since XX/XX/XXXX due to this. One quarter of my monthly income was stolen from me by XXXX. I call them weekly. I was talking to a manager out of the XXXX, CT boa location weekly as well. And she of course no longer works there. I received another letter from XXXX on XX/XX/2023 saying Weve completed our research on your claim listed above. And determined you arent the person responsible for opening the account. I was told on the XXXX of XXXX that the analyst working on my case would get me an update. No such thing has happened. Last week when I called XXXX again. I was told the analyst has until XX/XX/2023 to get my money refunded back to me. Even though I have been told since XX/XX/XXXX it would take XXXX business to get my money refunded back. After talking to another person today. I was told now it can take 30-90 days to get my money that BOA has stolen from me. I want this resolved. This was done criminally towards me and XXXX is dragging their feet. My money was stolen from me. What and why do banks have fraud protection for customers if they clearly do nothing when something like this happens?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX my XXXX was flooded due to excessive rain and was deemed a total loss. I immediately contacted Bank of America to let them know of the loss and that this was now being handled by my insurance company ( XXXX XXXX ) and my GAP insurance provider. XXXX issued a check to BOA on XX/XX/XXXX in the amount of {$33000.00} for the value of the car. The remaining balance of approximately {$9100.00} was left, and we were waiting on the GAP to approve the remaining balance. The GAP claim was approved and they issued a payment of {$9500.00} on XX/XX/XXXX. BOA reported that there was a 30 day to my report and dropped my credit score significantly when they had received payment in XXXX from XXXX XXXX -- which means they did receive a payment and the loss was on XX/XX/XXXX. BOA stated that once they receive the check from GAP that they will backdate the payment to XX/XX/XXXX ; but they will not remove the 30 day late from my credit report. This is unfair and if they are going to backdate after they receive payment, they can remove the late knowing that this claim was under investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A