Date Received: 2023-07-05
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Bank of America charged off a loan that is not resolved. I do not owe the amount they charged off because they are supposed to repossess the car and sell it. I am responsible for the difference. XX/XX/XXXX, my XXXX XXXX was in an auto accident. It was repaired by XXXX XXXX XXXX, XXXX, NY. XXXX XXXX issued a check paid to XXXX XXXX XXXX and another party. The car is licensed, registered and insured under my name only. Even though it was a third-party check, Bank of America cleared the check with one signature ( the other party who does not have any claim to the car ). The Body shop was not paid. Numerous calls to the insurance company and they said they were waiting for Bank of America to re-issue another check to pay for the car. XX/XX/XXXX I lost my job and I called Bank of America and asked them to take the car. I was told that a voluntary repossession was not possible because my account was current. My situation got worst ; I was diagnosed with XXXX XXXX in XX/XX/XXXX. I called Bank of America when I realized they did not pick up the car and explained my situation and told they need to pick up the car. They said they would have someone go to inspect the car and let me know the next steps. I never received a call about the next steps, just daily calls harassing me for payments. I told my story to numerous representatives and to date, no resolution. Now it is on my credit report as 'charge off. ' The last representative I spoke with, told me that the record shows, that Bank of America is deciding if they should re-issue a check or pay XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11422
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: Other problem
Consumer Complaint: Bank of america claims I cashed a secured credit card check 2 years ago I did not. It is a fraud and no one at bank of america will help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91932
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 balance transfer
Consumer Complaint: I was using my credit card balance transfer offer from Bank of America. I typed in BoA checking account number, then it showed the XXXX creditor. I choose that then typed amounts {$6700.00}. It showed the debt my credit card after several days. But I dont know where the money went. Contact BoA several times since XX/XX/2023. BoA still not gives me the solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48085
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: The item costed {$120.00} it was from XXXX XXXX. I started the dispute on the XXXX of XXXX of this year. I contacted XXXX XXXX multiple times and no help. I dispute it. I lose it because as they say I never contacted them when there is clear proof In my emails where I have of XXXX XXXX saying pls rate our customer service I did contact them and they lied about to the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85021
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Several times when checking my credit report, I have noticed a credit card account that was not mine. In XXXX, I noticed an incorrect address listed on my report. That was removed after I disputed it. In XXXX I filed a dispute re a cc that appeared that was charged off that I believe to have been opened fraudulently in XXXX Credit bureau dismissed this. Filed another claim a few days ago, also dismissed. Today i tried contacting Bank of America who reported the initial credit card charges and delinquency. I spoke to XXXX different people in XXXX different departments, no one seemed to be able to help me resolve this. I believe someone used my ss # to obtain this credit card and then never paid it. I just want this removed from my report. I never open this account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98407
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My name is XXXX XXXX and i am a victim of checking account identity theft and fraud. I was incarcerated from XXXX XXXX and was released from prison on XXXX XXXX. Upon my release, i assumed i was coming out to my money in my bank account that i had in it upon arrest, upwards to {$24000.00}. Unfortunately, when i Went back to the bank to obtain my funds, I was informed that all the money has been transferred, withdrawn from my account by an individual put that I dont know, personally, by the name of XXXX XXXX XXXX The Online check, transfers and wires were listed in her name and all of my personal information including but not limited to my address telephone number, and email for the checking account were changed from my personal information, phone number and address and email all now or change to that associated with this XXXX XXXX individual. When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions via USPS Mail rather than myself. This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address is save under the account. After all the money was taking out she put fake checks into my account as well witch made me negative a few XXXX dallors and got me RED flagged from every single bank. I have filed at least 3 times with XXXX to get my money back right away but i got denied. One last thing, when i got arrested i told my step dad that im close with if he can go to the bank and become my power of attorney just so we can watch my bank account for save keeping. After all this time my dad told me to contact you guys and tell you my story for help. Please look into this and if ur have any questions Ill be here to answer. Thank you for your time and i hope you can help!! -XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92703
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I JUST NEWLY DISCOVERED THAT SOMEBODY HAD ACTUALLY INTERCEPTED MY APPROVED XXXX CLAIM FUNDS AND AT THE TIME I WAS HOMELESS AND GOING IN BETWEEN SHELTERS AND AND IN ANYWHERE I COULD STAY REALLY AND MY MAIL HAD BEEN INTERCEPTED WITH THE CHANGE OF ADDRESS TO SOME UNBEKNOWNST PLACE THAT I'VE NEVER EVEN DEALT WITH I DON'T UNDERSTAND WHY NOW I'VE REPORTED MY XXXX AS FRAUD AND I'VE TAKEN ALL THE NECESSARY STEPS BEING AS ALL I'VE PLEASE REPORTS I'VE GOT A TRAILER OF DOCUMENTS SHOWING THAT I'VE LOST ACCESS TO MY EMAIL AT A PERIOD OF TIME BECAUSE I WAS I GUESS HACKED IF YOU COULD SAY I DON'T KNOW WHAT THEY DID TO GET MY EMAIL AND THEY STOLE MY PURSE EVERYTHING IN MY WENT MISSING WHEN I WAS HOMELESS AND NOW I'M NOT ABLE TO RETRIEVE MY FUNDS I KNOW THAT THEY ARE SUPPOSED TO GIVE ME MY FUNDS BACK I HAVEN'T EVEN BEEN ABLE TO USE ANY OF MY XXXX MONEY THAT RIGHTFULLY AND ENTITLED TO BEING AS THOUGH I DID APPLY FOR IT I DON'T UNDERSTAND HOW THAT I HAVEN'T GOT MY CONDITIONAL CREDIT YET AND NO ONE SAID ANYTHING TO ME AS IF IT'S JUST NOTHING THAT MY FRIENDS WERE GONE AND I WENT HOMELESS AND LOST EVERYTHING INCLUDING CUSTODY OF MY CHILD AND EVERYTHING AT THE TIME OF THIS HAPPENED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was contacted by an individual named XXXX XXXX I was also given a second name XXXX XXXX. I was looking for a room to rent in the XXXX Nevada area. They said they had a spare room to rent and after obtaining ID verification from them and information on the house and a few other things. Everything was done and payment was the only step necessary to move in. I sent an initial XXXX $ security deposit, then a second XXXX $ for half of rent. I was supposed to meet up with her the second day at the home to get key and move my stuff in. On XX/XX/XXXX she says we cant meet until other half of payment due to maintenance issues and security issues. And me already having paid the first half I believed it was safe since I had ID VERIFICATION and many other information so I forwarded another XXXX $ to the individual. After that I went to location and the home owner was clueless as to who this idnciuql was and had no clue of anything. And I would not get texts back from the individual till today. I filed a report with XXXX for the XXXX $ deposit on XX/XX/XXXX as well as with Bank of America for the XXXX $ transferred through their app payment program XXXX After a month wait, both companies denied a refund due to it being a wire transfer. This is all the information I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV XXXX XXXX $ security deposit XX/XX/XXXX XXXX $ half rent before move in XX/XX/XXXX XXXX $ other half rent after key sent XX/XX/XXXX Asking for XXXX more XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX as well as a ID photo and photos of the supposed individual. I contacted both banks after my complaints seeing if anything else was possible and they wouldnt help. I would love to forward all other photos and info I have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A