Date Received: 2023-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair Credit reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
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: 2023-06-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: After notification of an account being opened at Bank of America ( in my name ), I called BofA and was told that the fraudulent account was closed ( based on my complaint ). I was then given information about contacting XXXX who ( through automated voice ) directed me to http : //consumerfinance.gov. I assume the fraudulent account was closed ; but now I would like to FREEZE my information available at XXXX ( I was told that verification at XXXX was the way that this fraudulent account was approved ). I have previously ( more than a year ago ) placed a FREEZE on my information at XXXX, XXXX, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Bank of America allowed someone to come into a branch and withdraw {$900.00} out of my account on the second occurrence, they allowed someone to come and take {$600.00} out of my account. I was told since I did not notify them in 60 days time, it was my responsibility alert them within 60 days. The {$600.00} was clearly within the 60 days time period and they denied my fraud claim. This is not {$5.00} or {$50.00}. This is {$1500.00} that was allowed to be drawn out of my account. Bank of America sent someone a debit card and failed to follow their own identification protocols and allowed someone on two occasions to draw money out of my savings account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76182
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I attempted to contacted Bank of America. They actually did nothing to resolve my issue. This has now cause a finical hard ship for me. I just had a new born baby. So based on bank American failure to assist me in this matter. Which falls under regulation E. This transaction was not authorized. And I would like it to be refunded immediately. email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60641
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received two emails on XX/XX/XXXX in regard to being enrolled in Online and Mobile Banking with Bank of America as well as an application being approved for a Advantage SafeBalance Banking Account. I called Bank of America on XX/XX/XXXX and they confirmed that the account was opened on XX/XX/XXXX and closed on XX/XX/XXXX due to not being able to confirm identity of the account opener. No transactions were taken on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22041
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I HAVE BEEN A VICTIM OF IDENTITY THEFT AND FRAUDULENT INQUIRIES CONTINUE TO APPEAR ON MY CREDIT. THE FRAUDULENT INQUIRES ARE AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BK OF AMER 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: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Have been the victim of identity theft since XXXX Never opened Perosnal Chehings and or Savings with Bank of America. I Never Opened any Business Account in my name with Bank Of America. As per XXXX XXXX I Owe a balance. This is the result of result of Fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06010
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, a fraudulent balance transfer of {$5500.00} was made on my Bank of America Credit Card. BofA called me the same day, and I informed BofA that I did not initiate the balance transfer and it was fraudulent. I instructed BofA to deactivate my online account, send me a new card, and investigate the charge. Unfortunately, BofA denied the dispute twice -- once in XXXX, another time in XXXX after I asked to reopen the case. I sent BofA a written letter to dispute the charge in XXXX. As of XX/XX/2023, I have not heard anything back from BofA, and the fraudulent charge has not been resolved. I am seeking help from CFPB to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94061
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Starting in XXXX my account with XXXX XXXX and Bank of American and XXXX XXXX Where compromise. I was being hack into my accounts. Some accounts where stolen and change over the phone and others money was going missing through online banking. It actually showed on my cell phone that 6 other people where stealing my money. I called the bank right away and issue me some money back and we change my account but as soon as they did my money was stolen again. Because the money was direct deposit through Social security XXXX insurance. Then I open another account with Bank of American and the same thing happened they stole {$4000.00} from my SSDI again. Still have never got my money back. Then I opened another account with XXXX back all again someone over the phone stole all my money with a fake check that they cash over the phone along with all my money. Four years later no bank has giving back my money. I've been going through Identity theft for 4 years have called the police and made over fifty-five police reports and still the police say they can't do anything. This had lead me broke and homeless. I lost my job dure to all this as well as my car. I'm XXXX and now leaving under a bridge in XXXX California. I'm seeking help if possible to resolve this matter if possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94601
Submitted Via: Web
Date Sent: 2023-07-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a bank account online with Bank of America. I sent the initial money to open it. I received an email verification that it was approved and open. I then had a wire transfer sent to the bank. I went online to check the next day to see the status of the wire transfer and found out that my account had been closed. I received no notice, or chance to correct the issue they had with verification of my information. I was then told that the account would not be completely closed for 41 days. So I will have to go 41 days until the account is closed and then wait for my money to be delivered. I was basically robbed. Why would a large financial institution need 41 days to completely close my account and return my money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 855XX
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A