Date Received: 2023-06-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a Countrywide Mortgage that originated in XXXX. Bank of America services the mortgage. Bank of America has informed the CFPB that they answered a Complaint I made ( Complaint XXXX ) and submitted to the CFPB on XX/XX/XXXX The CFCB website states that Bank of America responded to the Complaint on XX/XX/XXXX. It is now XXXX XXXX EST on XX/XX/XXXX and I have not received the response. " Status Company responded on XX/XX/XXXX The company sent its response directly to you and provided a copy to the CFPB. It may take a few days for you to receive the companys response. To protect consumer privacy, the CFPB has not included the companys response in this consumer portal. You can contact the company at ( XXXX ) XXXX XXXX about its response to this complaint. '' Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-06-27
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 making or receiving payments
Consumer Complaint: On XX/XX/2023 I attempted to transfer {$2000.00} between my two accounts at Bsnk of America. I inadvertently transferred the funds to an old closed Balance Assist account that still appears as a " Transfer To Accont '' on my transfer options. I have call Bank of America repeatedly and can get no definitive answer as to where the funds are within the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I think Bank of America is perpetuating account fraud. They have now twice opened a banking account in my name without me requesting it. The first time I assumed it may have been someone trying to execute a fraud against me but am now convinced this is a Bank of America issue. I haven't used bank of America for several years but they previously were a mortgage lender before I refinanced. As you can see in the documentation I've attached their email indicates an application was submitted online ; however, I've also attached a separate screenshot showing recent log-ins to my account. As seen on that screen I haven't logged into the account except for today to close the account and submit this complaint. I believe they are trying to create a fictitious account to charge me a monthly fee and boost their metrics similar to what XXXX XXXX was reprimanded for several years ago.
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: 2023-06-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I bought laptop from XXXX XXXX charged my credit card {$1200.00} for purchase then XXXX put another hold on credit with same amount overdraft my card over limit. I called Bank of America who issued my visa credit card and they told me its processing and we can not make claim on it. I contacted XXXX they said its going to clear once item shipped which never happened although purchase received. I filed fraud complaint against XXXX. And now I m filling against Bank of America who should have recognised the double charge and fix it but they want to charge me fees so they overdrafted my credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank of America closed my account for no reason at all out of the blue in 2021 with money in there I got no explanation or money back same thing happened with XXXX.and XXXX that account was fine until it struck negative while I wasnt working due to personal injury ( hit and injured in a XXXX car I was passenger in at the timeXXXX coles my account in less than 30 days .and also with the XXXX XXXX XXXX I followed the co law of habitability and it failed me.got me tossed aside I submitted a complaint with code enforcement they came did nothing even though they seen n documented it being there and the fact it had no windows and is on a second floor .none on second or third floor of that complex has windows
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80010
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: When I signed up for this card to get agreed upon ( Bank of America ) I agree for paperless billing and auto When I didnt get a bill I thought I was on autopay turns out the autopay was not set up and a late payment got posted to my credit report Could you please help me get that removed? Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49855
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ive fallen victim to scams on XXXX XXXX twice, losing {$250.00} and {$120.00} respectively. Despite my efforts to initiate a dispute and recover my funds, I havent received any resolution so far. The response from XXXX XXXX indicates an ongoing investigation, but its unclear whether they are actively pursuing it. Its important to note that I never authorized any transactions to those specific accounts, nor have I signed any documents related to them. XX/XX/2023 {$220.00} XX/XX/2023 {$120.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: This past Spring of XXXX I began the process of applying for a mortgage to buy my first home at the completion of my extensive years-long medical training. Upon applying for the physician mortgage, I was denied due to my inadequate credit score of XXXX, failing to meet the minimum of XXXX. This also precluded me from qualifying for a conventional mortgage due to my credit history. The only derogatory account on my credit report dated back to a Bank of America credit card ( with a limit of only {$5000.00} ) that I opened in medical school to pay for travel in XXXX related to applying to and interviewing for residency, a mandatory post-graduate training requirement. The card was slated to expire on its own in XX/XX/XXXX and was paid off in full by XX/XX/XXXX with the balance reaching {$0.00}, having never missed or delayed a payment. Evidently, an annual fee of {$25.00} was charged to the account in XXXX or XXXX of XXXX and I overlooked this, given that the account was paid off, no longer in use, and set to expire in the coming months, and thus no longer on my radar. Unfortunately, I did not recognize this oversight until XX/XX/XXXX when I received notice the credit balance had been reduced on the card due to my failure to pay the pending balance of {$56.00} ( after additional late fees were charged ). I paid off the balance immediately and closed the account as quickly as I could that same month. When I applied for a mortgage in May of this year, this months-long failure to pay remained on my credit history ( despite being more than 48 months old ) and significantly impacted my credit and ability to qualify for the much more competitive rates of the physician mortgage. More egregiously, when I called Bank of America to address and clear this history, I was told by multiple people at multiple levels of their ranks that there was no record of my ever having an account with them and was told there was nothing they could do to correct this issue. I have since had to submit petitions with the credit agencies outlining all of the above in an effort to correct my credit history. This behavior on the part of Bank of America has significantly impacted my credit standing and the lending options I had available in purchasing a home. Given the significant difference in interest rates between the physician mortgage I was pursuing and the mortgage I ultimately qualified for, this may well cost me multiple tens of thousands if not hundreds of thousands of dollars over the lifespan of the mortgage, all due to a lingering unpaid fee of {$25.00} that arguably should not have been charged to the credit card account in the twilight of the card 's existence. In addition, Bank of America 's failure to correct the issue with the credit bureaus or rescind the derogatory account after 48 months is unacceptable and predatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Each month I pay my credit card balance in full, sometimes above and beyond the " statement balance ''. In XXXX, I used my rewards to pay my balance in full. In XXXX my account shows past due with a {$25.00} late fee assessed. When I contacted BOA they told me that I had to pay the minimum balance due. I paid the balance in full. They said I still had to pay the minimum balance due showing on my statement. Therefore, since I did not pay the " minimum balance due '' of {$25.00}, I was late and assessed a late charge. They did remove the late charge but this will be a ding on my credit showing a late payment. BOA said that I have to contact the credit bureau 's to have it removed. I certainly understand having to pay a minimum amount due or be charged a late fee, but if the statement is paid in full I should not be required to pay above and beyond that or be considered 'late '. BOA should correct the 'late ' payment and be sure that is not reflected on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Consumer Financial Protection Bureau Complaint filed against : BOA MC put XXXX 's charge to my credit card in dispute. A letter was written to XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , Florida XXXX WHY I am complaining : XXXX charged close-out fees ( {$1500.00} ) to my credit card, instead of sending me a paper invoice, as I requested, via letter to XXXX Ceo, so I could pay fees by check and use paid statement as a selling expense for my house on next years income taxes. Actions I took : I entered a dispute, with Master Card, over this matter. BOA Master card : XXXX XXXX XXXX XXXX XXXX have asked XXXX to send me a paper copy of the amount due them, because I sold my house, and had to cancel the contract early. I need a hard copy statement to submit the expenses on next years taxes, as a selling expense on my house. I can not see well enough, close up, to maneuver through their website, and get the invoice online. XXXX refused to send me that paper copy, and continues to text me, asking for payment. Instead they charged my master card. I complained to master card, and put the matter in dispute. What I am asking from the CFPB : I am asking for the CFPBs help in getting a paper copy of the cancellation charges, ( {$1500.00} ) via USPS mail, so I can pay the bill, by paper check, and then use that copy with my next years taxes, as a selling expense. The CEO received my letter, before XXXX charged my credit card. The CEO of XXXX refuses to acknowledge my request, and send a paper invoice. BACKGROUND I sold my house, and canceled my XXXX security, before contract end. I was perfectly willing to pay the fees to cancel it early, but I needed hard copy proof that the large sum I was paying, was the fee for canceling service, on a sold house. I needed hard copy paper, stating it was the closing costs for the contract. I need this to submit with next years income tax. Multiple times I tried to get this hard copy billing, sent via USPS, to, my XXXX XXXX , but XXXX customer service kept giving me every excuse telling me to go online. I explained I was not able to read online items in such small print, and because I wanted to submit the invoice with next years income taxes, as proof of a selling expense for the house, I needed to give my accountant hard copy proof of the expense, and a copy of the check proving I paid. XXXX customer service still would not send me a hard copy invoice, for the closing fee amount. I wrote to the XXXX CEO, XXXX XXXX, and sent the letter via USPS Priority Mail. He received it, yet he did not see to it that I received any paper invoice via USPS mail, which I could pay, and copy for next years income tax filings. He did nothing. I cant see well enough to print things out from online, and that is why I asked for ADTs customer service to send me a paper copy. XXXX XXXX removed the XXXX charge for + {$1500.00}, because I had contacted XXXX ceo, and asked for a paper invoice, prior to XXXX charging the amount, without my permission, to my credit card. I have also filed a complaint with the New York State Attorney Generals Office, and that is complaint # XXXX. I received confirmation from the New York Attorney General, that my complaint is in process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A