Date Received: 2023-06-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2023 it shows that a bank account through Bank of America was opened without my permission or my husband 's permission. We've had a claim filed for id fraud. When we checked our account around XXXX we then checked all of our emails. I had noticed that we received two emails stating an account application was processing and then approved. The information was signed up using one of my email addresses that are not even on my bank account, which is very weird in itself. It seemed that the application was processed around XXXX this morning and approved within the same time frame. I spoke with a representative in the fraud department of the bank and they stated the fraudster used my login information. They ended up deleting the login information and the account that was opened fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 992XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited a check from the sale of my home that was written from the Title Company in the amount of XXXX. On my deposit receipt it stated funds would be available XX/XX/XXXX at XXXXXXXX XXXX Despite the lengthy hold, I have managed to pause my finicaical responsibilities until XX/XX/XXXX at XXXX XXXX However, today my funds are not available. I have called customer service and all I am told is the check has not been verified so the funds wont be available until next Tuesday. I am not asking for a hand out or a gift. I am asking Bank of America to do what they said they would do on XX/XX/XXXX, which was release my funds on XX/XX/XXXX at XXXXXXXX XXXX in the amount of XXXX. Additionally, I followed up with the title company, that followed up with their bank, and they verified that the check cleared with Bank of America XX/XX/XXXX. My and my sons livelihood is depending on these funds in real-time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: First bank account open at bank of america in 2005 was closed for no reason and they used the same debit card for a new bank account for no reason ... .i have never made a transfer from any account in 20 years... now my mail and cards are being stolen and all bank tellers are doing nothing to give me transaction records and they are involved with a teller fraud investigation for false bank information, my cellphone is hacked before i purchased it and they follow me everywhere to block any way of getting information from different bank locations
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 922XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: XXXX XXXX XXXXXXXX XXXX account was fraudulently made by an unknown person to me using an email of : XXXX and they transferred {$4900.00} into an online acct ending in XXXX ( not associated with me in any way ). I NEVER created an online Acct. with Bank of America. I was just calling the number in the back of the card to see when my XXXX money would be available. Apparently the card was loaded by the XXXX dept. On XX/XX/XXXX. On that same day {$4900.00} was transferred to that unknown acct ending in XXXX. I didnt even call until XX/XX/XXXX ( I was unaware the money had already been stolen ) when there was a discrepancy what the XXXX stated they loaded and what was left on the card was only {$2800.00}. I immediately contacted B of A s fraud dept. Who closed the online login stuff ( that was never me in the XXXX place ) and issued a new card with only the remaining balance of {$2800.00}. They informed me how to make a claim to get the rest ( XXXX ) back. I followed all their steps and faxed the appropriate paperwork to them twice now and I keep getting the same letter stating your claim has been resolved, you or someone you authorized to use your acct verified the transaction prior to the funds being sent as a result your claim has been denied also in the letter it states, I have the right to see the documents that they relied on for the decision when I called demanding those documents they said they can not send them?!?! Im on my XXXX reconsideration letter now. Not sure XXXX ever receive the XXXX money that I have earned and am owed by Bank of America. XXXX started on XX/XX/2023, I went back to work XX/XX/2023 2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: To Whom it May Concern : In the XXXX XXXX of 2023, I made three direct deposit and/or balance transfers via the BankofAmerica website . I made these transactions by clicking through availalble offers on my accounts, that promoted a zero percent ( 0 % ) promotional rate on the transaction for either 9 or 12 months. The three transactions were 1. A XX/XX/2023 direct deposit in the amount of {$1500.00}. 2. A XX/XX/2023 balance transfer in the amount of {$880.00} transferring a balance from another card. 3. A XX/XX/2023 balance transfer transferring a balance from another credit card in the amount of {$10000.00}. About a month later after the XXXX transfers, I noticed on my account statements several amounts that were accruing interest at a standard interest rate APR. The link to the previous transfer amounts was not clear because the statements showed average daily balance amount over the billing period, rather than a direct link to the previous transfer. Regardless, these rates were standard rates and not the 0 % promotional rate advertised, or processed when I made the transfers online. Around XX/XX/2023 I contacted Bank of America customer service which started a 2 month ordeal of non-answers and conflicting answers. The first customer service interaction, the representative stated that there were promotional offers available at the time ; a escalation complaint would be filed, and I would get a call from a manager to resolve the matter in 48-72 hrs. I did not receive a complaint reference number despite my request for one. On XX/XX/2023 approximately two weeks after my call, and after not receiving any call back on the complaint, I contacted customer service a second time. I was told that there was no complaint on file, and I would have to file another escalation claim. I again requested a reference number, and was only told that a manager would call to explain the matter in 48-72 hrs. This time I believe an attempt was made to call, but I did not receive it and no message was left for me to return a call. On XX/XX/2023 I contacted customer service and was told a manager tried to reach me, but was assigned to the matter. I provided best times to reach me and was told to wait for a call shortly. I did not receive any follow up phone call. I called again on XX/XX/2023 and was told the same story with no reference number to the complaint or number to contact the assigned manager myself. I called again on XX/XX/2023, and was told that is was in process. I asked for it to speak to a manger directly on my call, and was told my only recourse was to open a second escalation complaint. I repeated my information, and this time was finally given a case reference numbers Case # XXXX and # XXXX. I was told a new manger was assigned and I would get a call in 48-72 hrs. I received no call. Next, I used a complaint function on the Bank of America website to make a complaint to executive services department. I received email contact, and a direct number to discuss the complaint. However, over several weeks of back and forth in XXXX, I finally received an explanation of my issue. First, an explanation that the promotional rates were transferred at 0 %, but that a small portion of every transfer accrues interest. I told the representative that this did not make any sense ( i.e. a 0 % promotional rate has transactional fees that are charged but do not accrue interest ) nor did that explanation accord with my history of making promotional rate balance transfers. After the call, I reviewed my history of transactions and confirmed my suspicion, that these transfers were never processed at the promotional rate. I called the representative back. She had changed her story and now said that I did not process the transfers in question at the promotional rate. My response is that the online system was in error, and what is reflected in the statement was incorrect. She stated that as I had no screen shots of the online transaction there was nothing else that could be done other than make another escalation complaint and have another manager look at the information. Given the run-around I have initiated that merry go around, but have no faith in the process or the result, but have escalated the issue one more time. I still maintain that I made the transfers online at the zero percent promotional rate. I do not make transfers at anything but a promotional rate. I applied only after being shown the offers available, and read the fine print. Secondly, I have a mailer with a promotional rate dated XX/XX/2023 ( Offer ID XXXX ). Admittedly after the date of the transfers, but the fact that the mailer indicated a balance available to make a transfer, indicating the balance as of XX/XX/2023. This to me is a secondary or supporting evidence indicating that promotional offers were available on my account at the time, and the bank could have corrected the error during my complaint process. Instead, they have given me a run-around while the standard APR rate compounds. Even without a resolution in my favor I want to make this complaint to warn others that the online processing system is not valid and effectively the bank response has been to refuse any belief that it could be in error. Finally, the stalling, ineffective and conflicting responses indicate that customer service has only added to customer conclusion and has no attempted a efficient explanation or resolution of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91311
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I never heard of this debt. I monitor my credit with experian and in XXXX of 2023 or so I received notification that this account was posted to my XXXX and XXXX report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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 contacting you regarding the removal of certain accounts and information from my consumer report. The specific accounts and information listed below should not be reported on my consumer report, as this action directly violates the FDCPA and FCRA. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. I urge you to take immediate action to remove these accounts and information without delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: For the past 5 years, I have been receiving letters in the mail from Bank of America associated with my BofA credit card. These letters are sent almost weekly with an offer to transfer balance from other cards to the BofA card. I've called BofA multiple times to remove me from their mailing list. In addition, I've followed their online process to remove myself from their online marketing. Moreover, I've filled out the " do-not-mail '' and " do-not-call '' registries available through third party organizations. BofA has been unable to remove me from their lists for some reason. When I recently checked my mailbox, I had 7 of these letters. The volume and frequency has gone past the breaking point - I need help to stop these letters from coming to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never heard of this debt. I monitor my credit with XXXX and in XXXX of 2023 or so I received notification that this account was posted to my XXXX and XXXX report. The supposed amount owed is {$1500.00} withe Bank Of America. I am a victim of identity theft and want this matter fixed as soon as possible allowed by law. According to the Fair Credit Reporting Act, section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. Additionally, By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07024
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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 contacting you regarding the removal of certain accounts and information from my consumer report. The specific accounts and information listed below should not be reported on my consumer report, as this action directly violates the FDCPA and FCRA. It is imperative that you promptly delete and remove these accounts and information from my consumer report, as their presence constitutes a violation of multiple laws. I urge you to take immediate action to remove these accounts and information without delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33426
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A