Date Received: 2024-01-22
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: On XX/XX/XXXX, I filed a fraudulent claim with XXXX at Bank of America, for ongoing, multiple unauthorized XXXX charges to my Bank of America credit card. After several weeks, I learned that XXXX did not process this report or file a claim. On XX/XX/XXXX, I contacted the fraud department at XXXX and filed a claim as Bank of America had not acted on the report that I made on XX/XX/XXXX. XXXX Reference # XXXX. XXXX confirmed on XX/XX/XXXX that fraudulent charges had occurred, however, agreed to apply a refund for only one month of the several months of multiple charges. XXXX stated that they do not refund for claims over 30 days. XXXX also stated that they were working closely with Bank XXXX XXXX XXXX Department on this case and stated that Bank of America would be responsible for the remainder of my refunds. On XX/XX/XXXX, I contacted Bank of America again to re-open this fraud case after learning that the case I filed on XX/XX/XXXXXXXX was never opened. Claim XXXX XXXX. I spoke to XXXX from XXXX XXXX, Texas who explained that the charges continued to occur as Bank of America has an automatic bill-pay system, and despite canceling my card twice the fraudulent charges continued to post due to a feature on the credit card imposed by Bank of America that failed to protect me from fraudulent charges. XXXX, unlike XXXX, was very helpful and processed credit, reimbursing my interest charges, etc. At no time did Bank of America request proof that XXXX had confirmed that I had not opened a XXXX account and that these were confirmed as fraudulent charges. In reviewing my credit card statement in XX/XX/XXXX, I noticed that Bank of America reversed the credits on my account, recharging me for {$1400.00} of the fraudulent XXXX charges. I called the Bank of America Fraud Department again on XX/XX/XXXX, and spoke with XXXX who re-opened this case. XXXX did not request proof that XXXX had confirmed that fraud had occurred or proof that XXXX confirmed that I did not open a XXXX account. At my very frustrated request, XXXX did state that someone from the XXXX Department would call me, however, I have yet to receive a call from Bank of America. The case was quickly closed again, where Bank of America stated that the XXXX charges would stand and alleged that I knowingly opened a XXXX account. On XX/XX/XXXX, I called to re-open this fraud claim and spoke with XXXX. XXXX begrudgingly re-opened the case and provided me with the address of the Fraud Claims Department. I submitted proof that XXXX has confirmed that the account opened was not opened by me and confirmed that the charges were fraudulent. I submitted this information via certified mail that was signed as received by Bank of Americas Fraud Department on XX/XX/XXXX, however, I have not received a response to this claim or my correspondence. I have been a Bank of America customer for over 20 years. Until the poor treatment that I received from Bank of America, I carried consistent credit card balances ranging from XXXX a month, which I paid off quickly and many times in one month. So, I ask you, why would I be disputing charges when I have an impeccable payment history and an XXXX credit rating? Additionally, if the Bank of America Fraud Department XXXX XXXX and assessed XXXX pricing plans, it would be clear that the charges that I have incurred do not reflect XXXX account options which are listed on their website as follows : XXXX. Free, XXXX. {$150.00} monthly for XXXX, XXXX. {$210.00} for XXXX or XXXX. {$260.00} for XXXX XXXX. The charges that I am disputing are {$310.00} on XX/XX/XXXX, {$230.00} on XX/XX/XXXX, {$280.00} on XX/XX/XXXX, {$280.00} on XX/XX/XXXX and {$280.00} on XX/XX/XXXX which are not reflective of XXXX pricing plans. I have spent several months seeking a resolution and do not feel that I am being treated fairly let alone as a Preferred Customer. I am looking for Bank of America, to apply their slogan of we have the power to fight fraud together and resolve this issue promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Bank of America was paid in full and refuses to remove me from the credit report they were not only paid they made between 2 to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX was paid in full and refuses to remove me from the credit report they were not only paid they made between XXXX to {$3000.00} in interest and agreed to the settlement I want them to remove the negative from the current credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My debit card was lost or stolen and used for the amount of XXXX. Bank of America refuses to credit me back this amount that was stolen from my account. My card was being used in a state Ive never been, from XXXX to XXXX. The claim had been denied twice, Their reasoning is that my pin was used, I have no idea how my pin was used but it is 2024 there is many ways scammers are able to infiltrate information to compromise accounts. They did no real investigation and simple went based off of the pin being used, Ive provided all the information and documents needed and still got nowhere with these people, XXXX completely sick and fed up with this company and will be closing and filing suit. They also said that I funded the fraud because I received a XXXX payment in proximity of the time called to make them aware of the fraud these people are inconsiderate and have no grasp on real life. I was targeted for fraud and was unjustly denied my claim because they believe that it had to be me because the pin was used. 12 year relationship with this bank and this is what happens. I will close my account and file suit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: i went into the branch to make an international wire transfer. was informed their system was down but that i could easily make the transaction myself at home. i explained that it was for a lot of money ( XXXX ) and i was nervous about doing it myself. i was assured by the banker that it would be fine. i initiated the transfer that same day, XXXX XXXX XXXXXXXX i received a confirmation email stating that the transfer was underway. 2 days later i was informed by the recipient that the funds had not been transferred. i went into the bank again and sat down with a banker to resend the wire and discovered that my entire account had been frozen. The fraud department had not bothered to call me but instead just cancelled my transaction. when the banker resent the funds on the XXXX XXXX XXXX XXXX rate had changed and the transaction cost me an extra {$1800.00} to send the same amount that i had " sent '' XXXX days before. im asking the bank to refund me as there was no attempt to contact me on the day i initiated the wire. XXXX also sure steps could have been taken inside the branch on the day of my initial transfer to make sure it was not cancelled. possibly a simple phone call to the fraud dept stating that i was going to be making this transfer. the bank let me down and has cost me a lot of money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06340
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX XXXX XXXX turning XXXX this year. I am a victim of identify theft and these are not my accounts. I did not ask anyone to open these accounts. The companies can not provide signatures or proof that I opened these accounts. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35235
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act, there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 6801-6805, The Privacy Act of XXXX as well as inaccurate reporting per the IRS Publication XXXX. Bank of America accounts : Account # XXXX : Account # XXXX :. According to the IRS Publication 4681- A Charge off is a certificate of Indebtedness that is now considered income, which needs to be reported on my Income Tax. Income can not be reported to your credit report. You must also update to paid as agreed and/or remove the information listed above. XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. There is 100 % improper use of the credit report. XXXX, XXXX, and XXXX HAS VIOLATED THE FCRA, AND I'M HIGHLY UPSET ABOUT THIS. I FOUND MANY INACCURACIES ON MY CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Bank of America ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Bank of America ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, XXXX Bank of America ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Bank of America ) Never informed me of my right to exercise my nondisclosure option.15 U.S.C 6805 states ( a ) In general Subject to subtitle B of the Consumer Protection Act of XXXX [ 12 U.S.C 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. No agency shall disclose any records which is contained in a system of records, by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual to whom the record pertain to ( PRIVACY ACT OF XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08021
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was notified that, after over XXXX months, my fraud claim with my bank, Bank of America, was ineligible for fraud protection and a permanent credit in the amount of {$2200.00}. I was, however, accredited {$23.00} from this same claim. Before I begin explaining why this resolution is illegitimate on their part and overall inaccurate, Id like to begin by giving you background on both myself and the fraud claim. Ive also done extensive research on the remote server used to compromise my phone and the fraudulent customer service line over the past XXXX months. In this letter, I include citations from multiple articles regarding this type of fraudulent scheme, as well as my phone records as I requested from my service provider. As a disclaimer, my service provider ( XXXX ) stated that it can not provide a more intrusive phone record detailing the exchange due to privacy reasons, but I will reference each call made on XX/XX/XXXX which led to me being a victim of fraud. Ive been a customer of Bank of America ( BOA ) for 10 years, since I was XXXX XXXX XXXX. This is the only bank account Ive ever held and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am XXXX XXXX XXXX and I XXXX from XXXX XXXX XXXX in the spring with a XXXX XXXX XXXX XXXX. I was awarded tuition coverage due to having a very difficult financial situation ( single family household ). I took out several student loans as cushion for my monthly rent as a student, on top of working up to XXXX hours a week at minimum wage jobs. Thus, as I hope to express to you, I am in student loan debt of over {$20.00} XXXX XXXX but have worked diligently to pull myself out. Currently, I am so grateful and proud to have been awarded a XXXX position at XXXXXXXX XXXX, which is my first salaried job. Everything I have worked for thus far amounts to this achievement, and I hope to continue my schooling and eventually have a high paying job to help retire my family and get us out of financial debt. I am only given about {$45.00} XXXX a year prior to taxes, but I have never been more grateful to be recognized for my achievements and be able to pursue my studies. I know that at the end of this 5 year program, I will be able to pay off my debt, have a good job, and no longer have to live paycheck to paycheck. It is my first semester of my XXXX so I just moved to XXXX XXXX XXXX. As stated before, this is my first salary job, my biggest expense is my monthly rent which is about {$1500.00}. I have never spent more than {$300.00} on myself in XXXX sitting in my life, I do not have the luxury to spend money. I am working tirelessly to set aside money to pay my student loans monthly to help alleviate the burden of my debt. I was even awarded an extra {$5.00} XXXXXXXX XXXX XXXX fellowship by XXXX XXXX this year, due to my academic and personal merit, I planned to use all that extra money for my loans. As for most people, my financial situation defines me sometimes. I have to be careful with my money, I have always understood the value and importance of the money I earn because without it, I simply can not survive. I would never compromise the money I use to keep myself sheltered, fed and clothed, especially not when I just moved to a new city by myself and started my dream job. With that being said, I want to discuss the fraud claim itself : how I ended up in this situation and why it is both unjust and inaccurate to deny my claim. I have an XXXX in which I write all of my notes for my classes and research ; it took me a year to pay off but by XXXX of this year, I fully paid it off and have been using it for my XXXX research since starting my new position. On Monday, XX/XX/XXXX, right before my midterm exams, my XXXX stopped working and I understandably freaked out as all of my notes were stored in it. I had meetings and presentations which depended on these notes. I spoke to my university advisors and friends who all advised me to call XXXX XXXX, a support line set up for XXXX products. Ive done this before for phone/macbook/airpod issues and knew Id be able to get some help. I googled the phone number for apple support, and XXXX websites popped up under support.apple.com, XXXX sponsored and XXXX not. The website templates and layout were identical and I made sure to check this ; you can even see for yourself if you XXXX this. So I chose the first XXXX, the sponsored site, as I believed a sponsored site must be more legitimate. I called the phone number ( XXXX ( XXXX ) XXXX ) and was helped by a woman who sympathized with my situation. This is provided in the phone record attached ( under my number XXXX ) at XXXX XXXX on Monday XX/XX/XXXX to a toll-free number for XXXX minutes. She went on to explain that a lot of XXXX are having this problem due to the new software update, and that shed be happy to assist me with fixing my XXXX after XXXX ID XXXX This is a standard procedure, Ive had my Apple ID verified by XXXX many times before. She started to suggest ways for me to get the XXXX working in the meantime ; I genuinely thought she was helping me. XXXX minutes into the call, she said that I had multiple fraudulent charges on my XXXX XXXX XXXX account ( which is used to pay for my XXXX ) amounting to almost {$2000.00}. She began frantically exclaiming that she needs to verify my identity so as to prevent further charges on my account. She instructed me to download XXXX on my XXXX, I repeatedly asked why and she said that she gains verification to my XXXX ID that way. I downloaded the app, I really just needed help with my XXXX as all of my work depended on it, and I became increasingly worried about the so-called suspicious charges on my account. She was able to then display a screen on my phone with a negative {$1500.00} balance in my XXXX Credit card, I really began to panic. I had no idea that this app was a remote server and she was able to compromise my phone and manipulate me into believing there was a problem. After downloading the app, she asked me to use XXXX or cashapp to send money to my coworker, who was sitting right next to me. I kept asking why, she said that my XXXX XXXX is connected to these accounts and they need to verify my identity by ensuring my coworker receives the funds on their end, then they are able to wipe the suspicious charges off of my account and help me with my XXXX. They said it was a two-step, full-proof verification process. Additionally, she kept exclaiming that my money was safe as it was going to my friend/coworkers account, right next to me, and nothing would happen to it. Looking back, I understand that this all sounds very convoluted and scam-like, but, in the moment, all of my coworkers and my advisors believed it was legitimate. This is how sophisticated the fraud was. My coworker created a cashapp account named asdfghjkl just for me, under her number ( XXXX ) ; I was sitting right next to her guiding her through the process, no bank account was linked to it, it was solely for me to send my money to and keep within the account until the verification process was over. I sent the amount of {$2200.00} in increments of {$1100.00}, {$1100.00}, and {$23.00} to this cashapp account, which was again, made solely for me. The fraud customer service had remote server-ed into both of our phones at this point without our knowledge, then, within an instant my funds were no longer in the cashapp account. I began XXXX and the customer service line told me to check my bank account ; here, I saw that the cashapp payments had been reversed and no money was taken out of my account. As per the XXXX article What are XXXX XXXX : Is XXXX XXXX to Download?, a woman named XXXX XXXX went through a very similar ordeal but for the amount of {$23.00} XXXX dollars. XXXX was unaware because she could see the extra money in her bank account but the fraudsters took control of XXXX computer through XXXX and secretly transferred funds to make it seem as if no money had been taken. So, the fraud scheme is impingent on the leveraging of this remote server app to manipulate the victim by compromising their bank accounts. Again, I reiterate that this app was used as a remote server to tap into my friend/coworker and Is payment profiles and bank accounts, to make it seem like all of my money was untouched. At this point, Id like to mention that, as per any police report, I was interrogated by a detective and sworn to tell the truth when filing a report on this matter. All of the officers and detectives filed it under grand larceny as the XXXX account was made solely for my purposes, otherwise, they too were not going to take this fraud claim seriously and waive it off as an authorized transaction. I was under oath to tell the truth and I explained this exact situation to them after XXXX hours of traveling to different stations and meeting with different officers, to which all of the detectives and officers were extremely sympathetic and filed the report so that my bank and XXXX could help me. Again, given the large amount of money and my unwillingness to send the money to the fraud line and no goods or property given in exchange, this is a typical case of grand larceny. I provided the police report number already, but in case it was mistakenly left out of consideration for my fraud claim : XXXX. After tapping into my bank account, the fraud customer service line called me from a different number : ( XXXX ) XXXX at XXXX pm, which lasted XXXX minutes. They then said they unexpectedly had a server shut down and theyd call back in an hour. Right after the call ended, I checked my bank account again and was terrified to see that the payments were charged to my account again ; so, there were XXXX initial payments, XXXX reversals, and XXXX payments made after I ended the call, without my knowledge. I began to frantically call everyone and everything I could think of : my mom ( who I called at XXXX pm ), the fraud customer service line ( to plead with them, to which they then began to scream at me and demand more money ) who I called at XXXX and XXXX XXXX, the bank ( called at XXXX XXXX ), the real XXXX support line ( called at XXXX XXXX ), etc. I reported this as fraud as soon as possible to Bank of America, the representatives were so helpful and calming during this time. I was pacing around my campus, hysterically crying and genuinely thought I would unfortunately die without this money. After filing it as fraud, I went to the police station and filed the report. I spent days not sleeping, eating, or drinking water, calling Bank of America repeatedly to talk to someone, wondering what would happen to me. I am sad to say I thought very dark things during this time- because the thought of an additional debt, XXXX which threatened my new job and the shelter security I had, was just all too much. I was so relieved when the bank issued my temporary credit and when the police sided with me and gave me a support number, as well as the detective providing his personal phone number in case anything went wrong. I could finally focus on my work and feel like I could move on from this situation, though very traumatized and never trusting of online services again. Id also like to mention that both my coworker and I contacted cashapp customer service to which they were of no help ; they only provided us with a small detail about the bank information of the fraud servicing line for which my funds were transferred to : Stride national bank. Id hate to burden my coworker more as they too have had to change all passwords and create new bank accounts due to the risk of our information being stolen by the fraud service. Ive done everything in my power to learn from this situation ; I am constantly in fear that my identity will be stolen as they saw all my passwords, part of my SSN, and my bank information. I frantically checked the BOA message center a lot the first month and a half after filing the claim ; I hadnt seen any updates, so I let it be. This past month, right before my last XXXX final exams of my first semester as a XXXX student, I checked my bank account to see a negative balance, {$2200.00} was taken out of my account due to the claim being resolved. I, again, frantically called BOA fraud servicing line ( as I practically have it on speed dial now ), and again, the representative calmed me down and reopened the claim. I was not alerted at all about this. She advised me to provide phone records to show my phone was compromised ; I asked my service provider ( XXXX ) and did research online to find that service providers can only provide phone call records, and that the bank should be able to deal with the rest. So, I am providing my phone call records for reference as well. I have provided the timestamps of the phone calls to each of these entities throughout this letter to provide a timeline, and show that none of these transactions amounting to the {$2200.00} are legitimate nor were authorized by me. Additionally, Id like to point out that, in the BOA claims resolution letter, {$23.00} was accredited to me from this same fraud scheme. However, the overwhelming amount of {$2200.00} was not. I do not understand the discrepancy and feel as though I should be properly compensated and protected from fraud as a customer of yours for over 10 years. This past week, after XXXX weeks of waiting and providing this supplemental letter and phone records ( as well as the my police report already on file ), Bank of America still rejects my fraud claim as legitimate. I was not alerted until days after the claim was " resolved '' on their end. I am a student, I do not have the luxury to spend over 3 months fighting with the Bank, XXXX, etc. over {$2000.00}. I desperately need my money back, I received no goods or services in exchange, I do not understand how else to prove that this if fraud, and without this money, I do not know what I will do. I can not get a second job, I am already a full-time student and full-time researcher. I do not deserve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : XXXX. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802. - Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies. 2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g.XXXX XXXX XXXX XXXX XXXX XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. XXXX. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice. 4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. XXXX. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/2022, highlighting concerns about the industry 's compliance with the law. XXXX. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress. XXXX. XXXX15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs. XXXX. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and XXXX XXXX XXXX XXXX XXXX in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I week ago I get a call from Bank of America regarding a financial request under my name. I was instructed to return that call to XXXX. They also gave me a case reference number. I didn't apply for a credit card from this bank. When I checked my XXXX report, I had a new credit inquiry from Bank of America ( XXXX XXXX XXXX XXXX XXXX Texas, TX XXXX Phone number ( XXXX ) XXXX on date XX/XX/2024. I called back the first number and gave them my name and case reference number, and I was told that they had made a mistake cause they misspelled my last name when someone else was applying for a XXXX Credit Card and they will sent a letter to XXXX. I'm not even sure whether that number is legit or a scam. I call XXXX and request them to issue a fraud alert on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33442
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A