Date Received: 2023-06-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: - XX/XX/12 XXXX -- I marked as unathorized, company did not respond - XX/XX/12 XXXX -- I marked as unathorized, company did not respond
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11201
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I transferred XXXX XXXX to my checking account at Bank of America from my checking account at XXXX XXXXXXXX XXXX using XXXX The transfer happened on XXXXXXXX XXXX. Bank of America confirmed receipt of funds on XX/XX/ but has not released my funds to date ( XXXX XXXX ). This is after 8 days of holding the funds. When I contacted them repeatedly they told me that the funds were somewhere in their system but that they had no idea where and that I would have to wait for a 45 day period while they investigated the location of the funds. Bank of America acknowledged that they received my fund ( also as documented on their online banking ) but that for reasons that no one could explain to me the funds were not able to be released. They did confirm that there was no fraud issue but could not explain or release my funds otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74105
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received an alert email from XXXX on XX/XX/2023 saying they blocked an attempt to access my XXXX credit file because my file is locked ; and on XX/XX/2023, I received another alert email from XXXX saying I have 1 new credit alert to review. So that got my attention, I logged into my XXXX app to check and found out that on XX/XX/2023, someone opened a Bank of America credit card using my name, my SSN, but a WRONG address! I contacted Bank of America immediately to report this fraudulent activity and the representative who answered my call said she submitted a fraud application report for me. The address on file of this Bank of America is XXXX XXXX XXXX, XXXX XXXX, TX XXXX, their phone number is XXXX, that is the number shown in XXXX. Then, I filed an online dispute in my XXXX app regarding this fraudulent application. On XX/XX/2023, XXXX notified me via email that my dispute has been updated, and I logged in to see the dispute result, heres the result : The company ( Bank of America ) that reported the information has certified to XXXX that the information is accurate. This result is simply ridiculously false! Bank of America is lying, I did NOT apply for any Bank of America credit card or any credit card in XX/XX/2023. It is very frustrating that Bank of America allowed such fraudulent activity to happen and lied to the credit bureau! This is very abusive!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I see that this bank can tell you anything and you believe it. They have not giving me all my funds. They lied to you, Government Newsen, and Congress Bill Foster, also Congress Al Green they told them they gave me all my claims which is a lie they sent my claims to so call XXXX after they falseafiy my whole account account with lies. Why are you letting this bank get away with these lies. I m letting the Congress them know what's going on and what happened to the {$100.00} XXXX that was to be paid to costumers? Because noone got the money but you Why?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Bank of America prepaid refuses to return all my money clearly violating there own policy it's my XXXX and there treating me like a criminal... ..I have filed several claims with these people.. I have been XXXX, homeless, starving and stranded because they don't want to pay.I filed a claim months ago now some of the claims are lapsed and they won't I'm in XXXX Missouri, not Iowa not California ... .The amounts and dates they refuse to pay for are XXXX XX/XX/XXXX Iowa,XXXX {$600.00} CA,XXXX {$200.00}, {$200.00}, {$77.00} Iowa XX/XX/XXXX {$300.00}, {$300.00} , {$23.00}, XX/XX/XXXX XXXXiowa, XX/XX/XXXX {$200.00}, {$200.00} Iowa, XX/XX/XXXX {$200.00} XXXX XXXXiowa This was just the half they won't pay they gave me {$650.00} like that was gon na make me happy or something.They refused payment twice and I got ta keep filling for it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93555
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had an account with the bank more than 7 years ago they close my account and have not giving me any reason why I cant open an account with them again or why they closed my account in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29203
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I already filed one complaint against Bank of America for refusing to cancel a fraudulent application due to identity theft complaint number XXXX. I have contacted them several times about this. Yesterday I received the credit card in the mail. I did not apply for this credit card and I want it canceled and removed from my credit report both the account and the hard inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17403
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: These Accounts : 1XXXX BANK . 2 XXXX XXXX BANK. 3 BANK OF AMERICA. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77477
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: From XX/XX/XXXX - XX/XX/XXXX someone in XXXX XXXX was using my Bank of America debit card to ordeXXXX XXXX XXXX food deliveries almost every day or every other day. I do not live in that area it is an hour away from me. The orders are from XXXX XXXX and XXXX XXXX mostly. I live in XXXX XXXX XXXX. I literally would not be able to order in food over there because I am never in that area. The restaurants they are ordering from I have never been to. The purchases range from $ XXXX {$120.00}. I am gluten free/ XXXX XXXX and sober and most of the purchases are pizza, pasta, fast food, burgers, and alcohol. I live in XXXX XXXX XXXX. You can see from my credit card that I mostly use ( XXXX XXXX ) that I am out of town a lot of the dates that these purchases are being ordered on XXXX XXXX to XXXX XXXX and XXXX XXXX. attarched are screenshots of all of these purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I reported my card stolen and disputed un authorized transactions .I reported I never received my card in mail.i filed police report like they asked me to.this has been going on for XXXX years and still pending.they have treated me like a criminal from the start .I 've made complaints and have done no good.i just want my money back that was stolen from me during the pandemic.bank of America has treated this like a joke from the start giving me no answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2023-06-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A