Date Received: 2024-01-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I made a claim with you all so bank of America reopened my claim for the XXXX fraud after I reported it to you. Now they say they couldn't recover the funds from the bank. I called that bank the first day it was open and they hadn't received anything from Bank of America. Had they actually tried when alerted or stoped the transfer when I called the first time this could have been prevented. They failed to act in a reasonable time and now will not refund my money due to their own inaction. I want my money back and I want them held accountable for not stopping it when they had enough time and not trying to recover in enough time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I tried to open an account with XXXX XXXX last year. XXXX XXXX XXXX has an old bank account reporting and preventing me from opening any account. My card was stole and someone tried to use my account. I informed Bank of america of this in 2021 when this happened. I have disputed this incorrect information several times. This account needs to be removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Applied and opened a business checking account on XX/XX/XXXX with a welcome offer that was in my " Rewards & Deals '' login page. Applied via that link. I met all requirements for the bonus. XX/XX/XXXX : Chatted via phone app, rep said no offer attached, and when I gave them the offer code ( which was pre-filled in the application link ), they said it had expired in XX/XX/XXXX. Told them that made no sense because all I did was applied via the link on my account. It was clear to me it was an XXXX issue. She submitted inquiry to customer incentive team. XX/XX/XXXX : Phone call to follow up. Said the previous inquiry was denied because the offer code provided had expired. This rep said she found the " correct '' offer and submitted new inquiry with offer details ( no offer code ) XX/XX/XXXX : Phone with rep to follow up. Said the inquiry submitted on XX/XX/XXXX was denied with no reason provided. So she submitted another escalation. Told me to call again in 7-10 XXXX days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98036
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/23 i went to deposit an instrument issued to me, by the direction Georgia 's Attorney General ( with his signature and department seal on it ). Not only was it not accepted, but when information was given and asked according to federal codes and regulations he could not refute and chose to launch a personal and potential life threatening attack against me. This being a bank he intentionally broke and violated the banks obligation that it agreed to with the federal reserve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I opened CFPB case XXXX, however I noticed that there has been no response and they allowed one charge from XXXX to go through despite the fact that I had locked the card. They further used this as opportunity to again charge very high interest rate contrary to the relief they proposed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My information was leaked and the check was defrauded. After that, I reported the fraud. The staff of Bank of America told me that I could open a new account to solve the problem of information leakage, so I went offline to close the old account and opened a new account a week ago. However, I received a message on XX/XX/XXXX that the new checking account and the old one were closed together, and I was told that I could not open and use any debit accounts in the Bank of America. When the two accounts were closed, I still had nearly XXXX dollars in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I canceled services with XXXX XXXX XXXX due to the company was not paying the companies as promised with the debt consolidation. I received an email with the account being closed and amount of the refund that would be processed. After waiting a week and not funds were received, I reached out to Bank of America. The first rep I spoke with submitted individual claims for the amount ( {$170.00} ) but {$860.00} was not included in the claim. On XX/XX/23, another claim was opened for the amount. The claim was closed XX/XX/23 under unable to pay. I filed a complaint and was contacted by a resolutions specialist named XXXX, who stated that the rep never submitted the claim or documents. The claim was re-opened on XX/XX/23 by XXXX and XXXX submitted all the documents that were already on file. I have called in to the bank on several occasions and no one can provide any information to when my money will be returned. I was sent to the financial branch and was told by XXXX XXXX ( XXXX XXXX XXXX ) that all she can do is file a complaint but no one will contact me regarding the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I Totaled my XXXX XXXX. I was given a XXXX dollar check on XX/XX/XXXX I was then told on the XXXX that my money WILL NOT BE AVAILABLE UNTIL XX/XX/XXXX This us an insurance check drawn XXXX XXXXXXXX XXXX. My adjustor wrote the check and yesterday MONDAY XX/XX/ The check cleared his bank. I told BANK OF AMERICA. and yet they refuse to help me. I also called XXXX XXXX and they gave me a phone number for BANK OF AMERICA TO CALL and fix this totally messed up situation., Again they refused to call XXXXXXXX XXXX XXXX Bank Of America is stopping me from vuyung a vehicle, I cant go to work without a vehicle and I'm in jeapordy of losing my job THUS IS TOTALLY UNACCEPTABLE. Bank Of America refuses to release my XXXX dollars and I'm being unjustly persecuted and may very well lose my job because if ut
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18902
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
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: I called last Thursday on the XXXX to cancel a payment when I realized funds would not arrive in my bank account for a payment on the XXXX. It's the XXXX and the payment was taken out including XXXX XXXX that was transferred into there for dog food and groceries to last until the rest of the week. That payment is pending and they wouldn't cancel it. I specifically called to cancel it days before and they verified that I wanted it cancelled and then told me it was cancelled. Now it's days later and they made it go through pending without the funds in there despite the cancellation. Plus it took the funds for food and dog food I had {$50.00} transfered into my account for the week. I called back and they won't do anything but apologize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX XXXX XXXXXXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS Clearly says a Cancelled or Charge off is Income. The reporting of this account as a debt is in accurate. 15 USC 1681 s-2 Says you XXXX XXXX XXXXXXXX XXXX XXXX a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) | A person shall not furnish any information relating to a consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS 2021 publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt. My Address is listed below! 15 U.S. Code 16815-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency. if- ( i ) the person has been noticed by by the consumer at the address pacified by the person for such notice that ( ii ) information is an accurate and the information is, in fact, inaccurate. in conclusion I have shown you and you have been put on notice that you are reporting and accurate information. The information is in fact in accurate, The continue reporting of the in accurate information is a clear violation of the Law 15 USC 1681S two of your responsibilities as a furniture of information. You have caused me and my family several homes due to your negligence, and in accurate reporting this is a final opportunity to cure and delete This Erroneous, inaccurate account from my consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A