Date Received: 2023-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check from XXXXXXXX XXXX on Saturday XX/XX/XXXX at XXXXXXXX XXXX in the amount of {$4300.00} not an unusual amount I have been a realtor since XXXX. I have had Bank Of America since XXXX and this account change in XXXX do to fraud but I have been with them all this time. I get checks much higher. The bank has put a 10 day hold for no reason. First they said for holiday, than they tried to say it was an unusable amount which I proved was not than they tried to say it was an unknown bank XXXX is huge I have handled their foreclosed properties for years. The check was written from their XXXX account and the funds have never been an issue. I just sat at the XXXX XXXX branch for over an hour while they gave every excuse possible. The manger finally said that's how banks are now nothing he can do. The check is from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Hello i have tried to resolve this matter going on a year now and what seams to be happening is my claims of fraud are getting mixed up with claims that the thief made on my accountback in the begining of pandemic i applied for unemployment back in XXXX or XXXX of XXXX right after i applied XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the remainder of XXXX well when i got home from hospital i didnt have any mail from edd so i assumed maybe i didnt get approved and back then you couldnt get a real person on the phone at all so i gave up trying to call then XXXX of XXXX comes around and i get a letter from IRS saying i needed to do taxes on all these funds i received from edd so i called and spoke to someone who confirmed that indeed i had a open account and i should call bank of america so i did and they also confirmed that a card was activated and used on my account so i got tranfered to the claims department and they told me that the person had drained my account and the thief had the nerve to open several fraud claims on my account now here i go opening up my claim which is for the transactions done between XXXX of XXXX thru XX/XX/XXXX and my claim keeps getting denied because they keep saying that they already paid me for this claim but no they paid the person who stole my account back all that money and the thief spent all that money and so i just need them to actually take the time and read my complaint and they would know that i barely found out about all this in XXXX of XXXX so if they can please not just auto deny my claim and actually see the notes on my claim this is so frustrating but i cant give up im enclosing a copy of the last denial they sent me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94621
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-06-22
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 made a payment for XXXX dollars to my credit card and Bank of America claimed they never got it. I went into a local branch with a copy of the check. The banker found my check in five minutes it was applied to someone other than my account. The customer service rep in the back office of Bank of America refused to let the copy be faxed or emailed in. I have tried for 25 days to resolve this issue. I am XXXX XXXX XXXX and been a client of theirs since 2004. They have been calling me and emailing me about late payment. This was totally their fault yet they are charging me late fees and interest..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Date of the Fee : XX/XX/XXXX Amounts : {$430.00} Actions that were taken : XX/XX/XXXX : I was doing an internal audit on my Bank of America XXXX Account, I noticed two charges totaling {$430.00}, titled " Statement Copy Fee '' from XX/XX/XXXX. After chatting with a Bank of America associate, I am almost certain that this fee was associated with a Statement Copy of XXXX or XXXX that I had requested at a local Bank of America Banking XXXX XXXX XXXX XXXX XXXX in XXXX, which I was never informed that I would be charged such a fee at the time of the request, nor did I ever actually receive the statements through my mail. I am very certain that I did not sign nor agree to any fees that would be imposed to my accounts. The representative whom I talked on the phone, told me that since it had been more than XXXX year, he would not be able to refund that fee, instead he would submit a complaint, and it should be resolved in a month or so. XX/XX/XXXX XXXX PM : I haven't heard anything in XXXX months so I decided to pick up the phone and get an update. The representative ( I did not get her name ) I talked to at XXXX PM, via my cell, could not find the aforementioned complaint case, and told me there is nothing she could do about it. I then asked to speak with a supervisor ( XXXX, XXXX ), after XXXX minutes she gave me the same answer - " sorry, it's been more than a year, there's nothing we can do for you. '' XX/XX/XXXX XXXX : I called again because I feel very adamant about this issue ( the feeling of being cheated, the disbelief in the lack of transparency and the lack of willingness to help ) but also he was more than happy to submit a complaint case for me in order to further escalate my case. XX/XX/XXXX XXXX : I submitted a feedback email to XXXX XXXX, XXXX of Retail Banking ( this was the only source I could find in order to submit a feedback, see attached ). on XX/XX/XXXX, XXXX XXXX XXXX reached me for me to call her directly ( see attached ). I spoke with her on XXXX PM EST on XX/XX/XXXX, and she relayed the same thing - can't do anything about the fee and it was an XXXX decision. So at this point, I have exhausted all of my resources and wasted a huge amount of time to get this issue rectified, and to no avail. No one was willing to put anything in writing, all of the above was communicated to me verbally. I thank you for your time. Please don't hesitate to reach me should you have any questions. Thank you Very Respectfully XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
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, we paid in full for 6 passengers for our family cruise. 2 out of our 6 family members flew from XXXX to XXXX to go on the cruise. On or around XX/XX/2022, XXXX spoke with a XXXX XXXX XXXX XXXX ( XXXX ) customer service representative to check in and confirm the boarding procedures. She informed XXXX that we needed to present our XXXX XXXX immunization cards at the time of boarding and for the 2 passengers that were not immunized due to XXXX beliefs ( XXXX and XXXX XXXX, we need to provide a written letter via email prior to the sailing date, explaining the reason for not getting the XXXX XXXX vaccine. The Priest from our church provided a letter confirming that XXXX and XXXX were not immunized, per their XXXX XXXXXXXX beliefs, due to the vaccine containing unethical components. As requested, XXXX emailed the signed letter from the Priest to XXXX. A copy of the letter submitted is attached. The morning of XX/XX/2022, XXXX called XXXX to confirm that they received all the documents needed. The customer service representative stated that all of our documents have been uploaded and complete, except for the letter from our Priest, which she stated was in the system, but not uploaded yet. She advised us to all take the XXXX XXXX rapid test prior to boarding the ship that afternoon and to bring the negative results with us. This was completely unexpected and a shock for us to find out, especially since it was never mentioned on the previous call or email communications with XXXX. After frantically looking for a local test center, we found one where we were able to take the tests at the cost of {$130.00} per person. We paid for 3 of the tests on our Bank of America card and the other 3 were paid for in cash, costing us a total of {$810.00}. Luckily, we managed to get negative results and made it to the ship in time for boarding. When we arrived at the XXXX XXXX to board the ship, the XXXX crew took our luggage onboard. However, after presenting them with our boarding documents, the letter from the priest, and our negative results from our rapid tests, they then denied us from boarding the ship. The staff was very rude, unprofessional, and disrespectful of my familys religious beliefs. One of the staff members even thought it was funny to say to us, The immunization restriction will be lifted next week. Go home and come back next week! Despite explaining all of the hardships we went through just for our family to go on this cruise and that 2 of us flew from XXXX to be here, she sarcastically offered her XXXXXXXX XXXX XXXX This was one of the worst customer service experiences we have ever dealt with and sadly, it was coming from the person in charge of the XXXX XXXX XXXX. To add insult to injury, they REFUSED to return our luggage to us, which included daily medications, work laptops, and all of our personal belongings! We were told we have to come back when the ship returns on XX/XX/XXXX to get our luggage back. After this horrible nightmare of XXXX refusing us from going on our family cruise, we filed a dispute with Bank of America for the cruise charges, the rapid tests that we unnecessarily had to take, and our parking. XXXX responded to our dispute and falsely claimed that all XXXX of us were a NO SHOW. That is a total lie! Not only did we show up and were refused from boarding the ship for our cruise, our luggage sailed on the ship without us from XX/XX/XXXX until it returned on XX/XX/XXXX. Since Bank of America accepted XXXX response, held us liable for the charges, and did not give us the opportunity to appeal their decision, they are failing to represent and protect their long-time client from charges for SERVICES NOT RENDERED BY XXXX! This complaint will be filed with every appropriate agency to make them aware of this horrific experience. If this issue is not resolved with a FULL REFUND FOR A TOTAL OF {$5800.00}, then we will be left with no other option than to pursue further legal action against XXXX for all damages, including the expenses for airfare, the discrimination of our religious beliefs, and for all the stress and inconvenience caused by their staff. We will also be sure to post a review of our experience on every appropriate platform and contact our local media outlets to share our experience and the discrimination that we were subjected to by XXXX. *Please note that according to the XXXX website and the CDC , XXXX XXXX vaccination was RECOMMENDED, NOT REQUIRED to go on a cruise. XXXX Ship- XXXX XXXX XXXX XXXX XXXX Itinerary- XX/XX/2022 - XX/XX/2022 Departure Port- XXXX, XXXX XXXXXXXX # XXXX XXXX XXXX and XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have 2 complaints revolving around the same situation with 2 different Banks and my recent inquiries for a XXXX XXXX XXXX loan and line of credit or credit card. XXXX is bank of America who apparently just denied me small business funding without any legitimate reasoning along with reporting it to XXXX unlawfully along with the fact that they only report small business inquiries to XXXX which is legally documented. XXXX is XXXX XXXX XXXX XXXX, who I have a long term existing relationship with and accounts, who also just denied me small business loan and credit due to misinformation received that I sat down with the bank manager and associate about. Now I have good credit and credit history and the fact that I have started a XXXX XXXX XXXX in PA the start of this year XXXX and since pandemic and person or entity can apply and receive up to {$50000.00} in business funding with a newly approved XXXX and XXXX # as long as you have a XXXX or better credit score. So that 2 different financial companies and institutions that illegally or unlawfully denied me business funding. Which again Banks and credit unions are required by law to provide small business funding up to {$50000.00} with a XXXX XXXX XXXX verification which I have and provided. Your time and assistance with this XXXX XXXX is desperately needed and greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I moved to the USA and I started to work in USA on XX/XX/XXXX. I have been trying to build my credit history for 9 months. I downloaded this app " XXXX XXXX ''. This app. shows that " I had a credit card on XX/XX/XXXX from Bank of America which I did not even apply for it. I came to the USA in XXXX and XXXX several times and stayed at the hotels, I rent a car but did not apply for a credit card. Somebody opened a credit card and used it for {$9200.00} ( this amount on the XXXX XXXX report ) then closed the card. I went to Bank of America branch in XXXX XXXX XXXX, XXXX MD. The agency told me to call this number " XXXX XXXX XXXX ". The agency and the lady on the phone talked and they found out there is this credit card opened behalf on my name and they told me that when I was working for XXXX XXXX I had applied for a credit card with the Bank of America. I went to the University in XXXX ( XXXX ) when I graduated I went back home XXXX. I came to the USA so many times as a tourist but never worked in anywhere. I never worked in XXXX of XXXX. ( I just got my working visa on XX/XX/XXXX from XXXX XXXX in XXXX ) I was living inXXXX ( XXXX I can prove it with my passport or I-94 ) I moved to the USA on XX/XX/XXXX with my family. I need your help to fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Credits of accounting not reflecting accurate balance of credits and debits
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX XXXX [ XXXX XXXX XXXX XXXX [ XXXX FL XXXX ] [ XX/XX/XXXX ] Subject : Dispute of Account Closure and Reversals Dear Sir/Madam, I, XXXX XXXX XXXX am writing to bring to your attention a matter of concern regarding my accounts with XXXX and Bank of America , ( Bank of America account number, not available, open date is XX/XX/XXXX close date XXXX XXXX social on account is XXXX. Account number XXXX ( opened on XX/XX/XXXX ) and account number XXXX ( opened on XX/XX/XXXX ). I have recently discovered that my accounts have been closed due to several reversals through AutoPay. I would like to provide additional information and dispute the closure of my accounts based on the provisions outlined in the Penal Law 15 U.S.C. 1681, Section 6048, Section 2, and Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ). Firstly, I would like to emphasize that I, XXXX XXXX, have always been diligent in making timely payments towards my accounts. However, there were instances where XXXX payments made through AutoPay were reversed. I would like to clarify that these reversals were promptly addressed by making the necessary payments on the following date, which ensured that my payments were ultimately successful. I strongly believe that the closure of my accounts based on these reversals is unjustified. Penal Law 15 U.S.C. 1681, Section 6048, Section 2, protects consumers rights by ensuring fair and accurate credit reporting practices. Furthermore, Penal Law 15 U.S.C. 1681 ( C ) ( A ) ( 5 ) grants consumers the right to dispute any inaccurate or unfair information present on their credit reports. Considering the aforementioned legal provisions and my consistent adherence to timely payments, I, XXXX XXXX, kindly request your immediate attention to rectify this matter. I urge you to thoroughly investigate the circumstances surrounding the reversals and the subsequent closure of my accounts with XXXX. I request that you update my credit report accordingly to reflect my accurate and responsible payment history. Enclosed with this letter, please find copies of relevant documents supporting my claim, including bank statements and payment records that validate my consistent and timely payments, except for the reversals mentioned. I, XXXX XXXX, sincerely hope that you will address this matter promptly and take the necessary steps to correct any inaccuracies in my credit report. I kindly request written confirmation of the actions taken to resolve this dispute. Thank you for your time and attention to this matter. I trust that you will handle this dispute with the utmost professionalism and urgency it deserves. Yours sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I CHECKED MY REPORT AND THIS LOAN CREDIT IS ON IT, WHICH I HAVE NO KNOWLEDGE OF.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11368
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A