Date Received: 2023-06-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am reporting two issues : 1. I received mail from Bank of America, notifying me that my application for the Royal Caribbean card was declined due to incomplete or unsatisfactory information. I never applied for such card or account. In checking my credit report a hard inquiry does appear from Bank of America XX/XX/2023. I have reported to XXXX and requested that a fraud alert be placed on my account. 2. On XX/XX/2023 I received a letter on XXXX XXXX XXXX XXXX, stating that my application was declined due to unsatisfactory or unverifiable information. It was a very detailed letter containing my correct credit score. It referred me to XXXX reporting Agency, but I was reluctant to contact either XXXX or XXXX based on the suspicious nature of the letter. I have made a note with XXXX that this was an unauthorized application. It is not currently showing on my XXXX report, but I am concerned that it will appear at a future date. Perhaps it is not showing because it is so recent, or perhaps it would appear on a report issued by another reporting agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11758
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
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: I am deeply concerned about the derogatory rating associated with the account being reported. It has had a significant impact on my credit standing, leading to the denial of a recent loan application and increased interest rates on my existing credit accounts. I want to emphasize the severe financial distress this negative rating has caused me, and it will continue to affect me both financially and emotionally 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: 346XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: A fraud wire equaling up to XXXX XXXX was put in my back account. My account is now shut down because of this company o have the info of who it was this person has accounts with XXXX BOA XXXX XXXX and other companies hes scammed including buisness cards he has with these companies. Using fake documents. I was asked to mail check wires and put cash on various accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I wrote a check and did a mobile deposit into a a bank account I have at another bank. There was an issue with the scanning of the check. On XX/XX/XXXX, Bank of America did a " Posted Item Correction Debit '' for check I wrote in the amount of {$3000.00}. My other back then rescanned the check and on XX/XX/XXXX Bank of America tried to pull the {$3000.00} out of my account for the check properly scanning. The check bounced due to insufficient funds, as they had been pulled out on XX/XX/XXXX and never returned. On XX/XX/XXXX, the same issue occurred where Bank of America again tried to pull the {$3000.00} out of my account. I spoke to someone who did a stop payment on the check, subsequently pulling the {$3000.00} out of my IXXXX XXXXXXXX XXXX XXXX Account. On XX/XX/XXXX, I was told by a representative they saw the error and were filling a claim. I never got my money back. Ive called and spoken to people on XXXX. On XX/XX/XXXX, I spoke to someone in research and adjustments by the name XXXX. I was informed there was a bank error under the " Posted Item Correction Debit '' notes. There was a note from the bank saying funds were taken in error. XXXX could see the funds were taken and never returned. I was told it was a FDES Transaction and ultimately the funds were in limbo. The funds never were sent to my XXXX XXXX XXXX XXXX Account. On XX/XX/XXXX, I was told the funds were taken out as a " collateral '' for a credit card and was transferred to credit cards. When speaking to the representative they had no idea what I was talking about. I was then told to file a check fraud, when speaking with them. I was informed I had written a check in XXXX of XXXX and XX/XX/XXXX for the same amount. The reason my issue was being denied is because it was filed as a posted twice inquiry. They filled a new claim focusing on the " Posted Item Correction Debit '' on XX/XX/XXXX. Today, XX/XX/XXXX, I received a notices from Bank of America again sayin no adjustment are needed on my account. I have been lied to, played through a phone tree, and ultimately at this point feel someone within Bank of America has committed theft in taking my {$3000.00}. My XXXX XXXX XXXX XXXX, shows the {$3000.00} going into my account on XX/XX/XXXX and being removed from my account on XX/XX/XXXX. After the talk with the Bank of America rep on the XXXX and what I told XXXX XXXX, the funds were returned on XX/XX/XXXX. When the stop payment occurred on XX/XX/XXXX, the funds were removed from my XXXX XXXXXXXX XXXX account on XX/XX/XXXX due to the check canceling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/2023 an account on instagram with a picture of a XXXX XXXX on it XXXX messaged my account asking for permission to paint XXXX of my posts. Her username is XXXX XXXX I allowed her too and she told me there would be comission for it. She claims she can not receive checks at the moment and that her client will be sending the checks my way to cash it. She claims {$2000.00} will be sent my way and that {$500.00} will be mine and {$1500.00} will go to her. Her client with a mobile number ( XXXX ) XXXX and email XXXX messaged me and sent 2 {$1000.00} checks. These checks had a company logo from an established special needs school in Arizona, hence why I thought everything was real. Everything deposited alright on my account but a few days later realized that the checks have been canceled and I was sending {$2000.00} from my own account. I believed everything XXXX XXXX was saying until she sounded very pushy but it was too late and XXXX can not cancel transactions. After a low balance was detected on XX/XX/2023 I immediately called Bank of America for help. The reviewed my case and gave me an answer that they would not be returning the funds. I had to call all the way from XXXX and spend lots of money on the call for this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Account ending in XXXX Bank of America failed to supply complete monthly statements from XX/XX/XXXX to XX/XX/XXXX. Only partial account, nothing to arrive at proper balance or interest applied. need all monthly statements. I need a complete account number provided that Bank of America has not supplied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: Phone calls early mornings, weekends or nights
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/ i was charged a " cash equivalent transaction fee '' in the amount of XXXX after buying a purse online for XXXX via XXXX... .this was done on a bank of America credit card . I called today and spent 54 minutes on the phone with 2 representatives who told me it was processed as a cash advance despite the fact the checkout clearly showed a visa logo. The representatives told me they were unwilling to refund the fee and know that it was a mistake but sometimes it happens and it is the problem of the customer and they refused to refund the fee. If there is a visa logo it should be processed as a credit card same as anywhere else, I want this fee reversed.
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: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank of America has allowed someone to use my account to buy things and is saying it was me or someone in my house. XXXX times in XXXX day, and other withdrawals or purchases not made by me or my wife.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: We are a small and legit XXXX XXXX that is operating for XXXX years now. We have been notified via letter today that our business account with BOA is going to be closed today. The decision was made earlier in the month and we were not provided any further explanation as to what caused the closure of the account. It will affect our agency tremendously and our patients as we will not be able to proceed with our payroll and other payments that are related purely to patient care. Furthermore, we are definite about that there was and could not be any suspicious activity or risks that could have led to this decision. Current funds are not available and it jeopardizes our ability to continue providing services. The magnitude of the consequences of this kind of unexpected and unfair decision drastically affects the population we serve and us, as a small and hard-working agency. Please provide any advice to remedy this situation that leaves us helpless and on the brink of closing the agency affecting at least XXXX employees and their families. It is impossible to sustain as a small business owner with competition on the one hand and unfair systems on the other. It is imperative to stop this kind of action where our rights are being violated with no further explanation provided. Your response is much needed and appreciated. Looking forward to hearing from you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90057
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A