Date Received: 2023-07-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 15 USC 1681 Section 602 states I have right to privacy. 15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 15 USC1666B 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: AL
Zip: 354XX
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: In XX/XX/2022 I was charged for a hotel room that I did not book. The hotel charged me for two rooms, I stayed in one room and paid for that room. The hotel agreed on several contracts to reverse the second room but never did. I contacted B of A and they have refused to help with this problem even though they advertise they protect their customers from unauthorized charges. The balance on my account consists of the unauthorized charge plus the bank charges they have added. I have XXXX + years of excellent credit and now because of there negative actions I do not. This is false advertising on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85367
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: Overcharged for something you did purchase with the card
Consumer Complaint: I had and an existing compliant XXXX The compliant was closed but the Company did not reach out of respond to the compliant. When I tried to reach out to them, they didn't reply to the emails or voicemails and never picked up the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10128
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: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023, per the FCRA, I notified Bank of America that I elected to opt-out of any and all authorizations I may have provided them to provide my personal non-public information to any non-affiliated third party based on 15 USC 6802 .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78213
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 customer service
Subissue:
Consumer Complaint: Consumer suspecting fraud by a third-party regarding his Bank of America Business Accounts . The Defendant failed to provide any updates of their investigation, while also failing to respond to requests made by the consumer. Upon discovery of these findings, the Consumer has prepared an overview here within detailing this claim of the Defendants acts of omission, negligence, and wrongful conduct in whole or in part, causing significant financial & emotional damage to the Consumer, pending their investigation of the Consumers claim.
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: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My Bank of America account was closed due to fraudulent activity regarding a check I deposited. I was fully unaware that I was being scammed. On Wednesday XX/XX/2023, I received an email about a job offer. At that time, I was all over the internet searching for remote customer service jobs and the timing for this " offer '' I received at good time. The Job description was a customer service representative for a medical tech company. The job listed that I'd serve customers who were ready to order a product, also stating that usually customers would spend about {$15000.00} and that I'd be paid 20 % of each transaction. I thought that this job would benefit my family and I. The job also came with instructions for me to send my information such as name, address, and phone number. I replied to the scammer with my contact information. I'd reach out to the scammer the next day to see what the status of my application was and the scammer replied to me stating that there are many applications they are looking through and that they will send out a payment in the form of a check for my assessment. 4 days after, I received an email from the scammer and they said that a check was Issued to my home via XXXX and they also provided me a tracking number. The scammer then gave me a task and what I needed to do was to take the check that they had sent me, and deposit it into my bank account. At that point, I'd become majorly skeptical about the task, but I decided to carry on with the task because I didn't want to lose my ability at losing a great paying job. The scammer then asked me to send proof of the deposit and I followed their orders. Each day after, the scammer would ask if the check had deposited and I would update them the status of the check. I would then go on to updating the scammer until XX/XX/2023. My account was randomly closed and I was genuinely confused. I then called my banks customer service to get a better understanding of what the situation was about, and they told me that my account was closed due to fraudulent or suspicious activity. I was really confused and I asked if I'd be able to open a new account and Bank of America stated, " we will permanently revoke you ability to create a new account and we will be ending our relationship. '' I was completely unaware of being scammed. I was completely unware of the check being fake. It's not right that I got my account forcefully closing my account without giving me the chance to reverse it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 495XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have reached out to XXXX, tansunion, and equitable on many occasions in regards to my Bank of America account. All of them are showing a different story. XXXX is showing that I have not paid in over a year. I have been making payments of XXXX dollars since I was forced to. XXXX dollar charge does not Belong to myself. For XX/XX/2021 I have been file complaints with XXXX and the other two credit bureaus on many occasions. XXXX is not following through and investing at all. They come back and say the bank agrees that I never paid. I file a report stating there was a charge with serloq collection agency for XXXX nothing was done and also my payment history is not correct. I also made a phone call three weeks ago as well. This is putting a lot on me I have been fighting this for about 2 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
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 have reach out to the three credit bureaus on many occasions. Each of my credit reports are not matching. On XXXX XXXX XXXX XXXX a charge was made for XXXX dollars to a collection agency called XXXX XXXX in someone elses name I did not realize it to a couple of months later because I had a brain injury. I notice it around XXXX XXXX XXXX. Bank of America told me that I had to still make payments and at the time I was out of work. I did not make the payment. Last year around XXXX I agree with them I would start making XXXX dollar payments. So far I made a total of XXXX in total towards the bill. I have also made many disputes my credit is showing as bad debit which has caused a lot of hardships were I pay very expensive car insurance now. They closed all my credit cards its been a ruff year for me. This is not the only card that I received the charge on I gave another one as well. This really ruin my credit I am finally able to take the time out to start getting into my credit report. I gave follow up with Bank of America spoke with rashod the manger. I only speak with him I have set up a payment plan of XXXX dollars since last XXXX and it is now XXXX and it still shows I have not made one payment since over a year. The only reason. Why I did this program wa sto restablisg on time payments this is really upsetting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: From XX/XX/XXXX XXXX XXXX until XXXX XXXX XXXX I fell victim to multi-layered scam operations run by XXXX XXXX, a fake company, which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firms. Bank of America never provided me with a written response, nor did they attempt to comprehend the situation. They just provided me with the response that they cant do anything, completely ignoring the fact that they breach the duty of care, and failed to protect me as their client.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: While trying to use XXXX on my account I made a mistake and tried correcting it. XXXX the bank customer services and was told to wait until at least Wednesday to check on it again. But when I tried to sign back in to my account it had been blocked. So called again to their fraud unit discussed the problems gave all information and was told there was nothing they could do, except go to their. branch to correct it. Im XXXX yo recently had XXXX XXXX and am mostly XXXX XXXX and XXXX XXXX XXXX to move inside my home since I have no transportation. This block has stopped me from using my ATM card to buy necessary groceries which I order on line and have them delivered. I just need the hold removed from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A