Date Received: 2023-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I request Bank of America to lift the suspension on the XXXX account. I gave the check from Bank of America amounting to {$8000.00} to my friend on XX/XX/2023. The {$8000.00} was transferred normally, but the Bank of America considered it a scam and suspended my friend 's XXXX account. {$8000.00} has gone out of my account, and {$8000.00} is currently in my friend 's bank account, but my friend 's XXXX account is disabled and can not be used. My friend contacted XXXX and Bank of America several times. He was told that XXXXXXXX XXXX can not unfreeze the account unless Bank of America call XXXX to release this matter. I asked why the Bank of America suspended my friends account, and it was because the transaction was deemed fraudulent. I got a text message from Bank of America regarding this transaction. I was in XXXX XXXX at that moment and roaming the phone. The bank considered it a scam and suspended my friend 's account. I went to the Bank of America and told them it was a normal transaction, but my friend 's account is still suspended. I would like to inform Bank of America and XXXX that there is no issue with the transaction. Also, please enable my friend to regain access to his account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Struggling to pay your bill
Subissue: Problem lowering your monthly payments
Consumer Complaint: Dear Sir or Madam, This letter is a sincere request for your help and consideration. Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains two late payments reported on XXXX and XXXX for my Account. I want to sincerely apologize for the delay. Unfortunately, my family and I have faced an extraordinarily challenging time. My wife and XXXX of our XXXX children fell severely ill, requiring my full attention and care. This unforeseen situation caused a significant disruption in my income, making it difficult to meet my financial obligations. I assure you that this was an isolated incident, and I have learned valuable lessons from this difficult experience. I am now in a more stable situation, and I have taken the necessary steps to address my financial obligations. I have resumed regular income, and I am committed to making timely payments on my loan moving forward. I genuinely value the relationship I have with Bank of America since 2016 and have always strived to meet my financial responsibilities promptly. However, the circumstances surrounding my family 's health crisis placed an enormous burden on me, both emotionally and financially. I am hopeful that you will consider my request for goodwill consideration and help me restore my financial standing. I believe in your commitment to customer satisfaction. Thank you for taking the time to read my letter and for your understanding. I eagerly await your response and look forward to resolving this matter amicably. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 908XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In Accordance with the fair credit reporting act this creditor, has violated my rights. 15 USC Section 602 States I have the 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 under an open end consumer credit plan as a late for any purpose. Please if you need further information don't hesitate to contact me at XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75181
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: IVE BEN A VICTIAM OF IDENTFY THEFIET AND HAVE BEN IN THE PROCCESE OF DISPUTING AND RESLOVING THESES PROCCCES OF UNAUTHERIZD TRANSTIONS THAT HAVE BENN CHARGED TO THIS ACCOUNT HOW EVER THERE HAS BEN A MINOR SET BACK WITCH HAD KEPT US FROM MOVING FWORD WITH THE NEXT SET IN PROCCES IVE FILED A FINAL HARD SHIP DUE TO THE FACT THAT I HAVE A 3 DAY NOT ICED AND IT HAS NOT BEN TOOKEN IN TO CONSIDERATIORN OR BEN IMPLENTED ON THIS CASE PLESE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95991
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have been a victim of Identity Theft since 2006. Accounts were open using my personal information in various states. I have been in constant contact with the Fraud Departments at XXXXXXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and Bank of America concerning fraudulent accounts at each. XXXXXXXX XXXX actually investigated. They discovered it was fraud. They told me in writing that everything has been deleted and I no longer am responsible for the debt. However the debt amount has not been removed and still shows that I owe. My business on XXXX is suffering because I can not qualify or take advantage of certain perks of having a business on XXXX because they use XXXX products. And XXXX did not follow completely through with removing the debt despite writing me and telling me so. I intend to file a lawsuit against XXXX XXXX XXXX, XXXX XXXX and Bank of America have all been uncooperative and silent. Despite me providing both with documents and police reports they are attempting to victimize the victim. 15 U.S.Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft. not later than 4 business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be fumished on my consumer report as they are in VIOLATION Under, 15 U.S Code 168 1b - Permissible purposes of consumer reports ( a ) IN GENE Subject to subsection ( ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 1,711 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. WHEN NO CONSENT IS GIVEN THIS IS CALLED IDENTITY THEFT. As a consumer and victim I am demanding the deletion of any and all information pertaining to the fraudulent accounts opened at XXXX XXXX, XXXX XXXX XXXX XXXX, Bank of America and XXXX be deleted MMEDIATELY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: This case was originally filed under XXXX and subsequently under case XXXX. Under case XXXX, Bank of America closed the case but the plantiff has never received Bank of America 's explanation with respect to the lack of terms and conditions. NUMEROUS phone calls to Bank of America have never been returned. Bank of American has never explained the lack of terms and conditions necessary for foreign currency transactions. Plantiff is requesting bank 's response to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been using Bank of America for years and recently I decided to get a direct deposit of some of my paycheck through them at a fixed deposit and the rest to go in another bank. On Monday I was paying for something when the transaction could not go through and that the next day I called the bank and they told me that they had closed my accounts and could not give a reason. I visited the bank that day, XX/XX/23 and I was given the same reason however they told me that the account was still open to receive any direct deposit money but they will decide when to send whatever money will be in the account after they finally close the account on XX/XX/23. I am going to get a direct deposit tomorrow XX/XX/23, which I can not access until they close the account completely on XX/XX/23 and the bank then decides when to send the check. I was using the account for overseas business now I can not transfer the money and I can not access it and when I asked them to close the account right away today on XX/XX/23 so that my money does not go into the closed account, they told me that they can not do it until XX/XX/23. And they told me that after they close it on XX/XX/23 and after that they will make a decision as to when to send me the cheque. I am a XXXX and I work hard for that money in these hard times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01803
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: money was taken from with out authurzation and i called the bank of america about the dispute about money being taken they say that they have to filled a claim on my behalf i contact them number of time trying to get my to get my money back in my account i told them i have bills to pay and told them i was a costumer for 10 years never complain about money being missing {$810.00} dollars of XX/XX/23
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: B.o .a is stating that I took my claims back which is a lie. they're telling me one thing you're telling you guys another they're still pretending to be a government officials and there's still a lot about my account, They also stated to Governor office that they have paid me all of my funds which is clearly another lie. I can't believe that you are believe to except l anything and all the lies they are telling you. This bank hasn't told you or anyone else the truth about my account or my claims .They continue to lie lie and lie to everyone including Congress Congress XXXX XXXX . This bank has no honest. Words to state.Who suppose to help the cin citizens of the United States of America with he lies and destruction and deceit of Bank of Americat of Bank of America. They continue to hold on to my claims after 2 and 1/2 years 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: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company or a company you represent. I did not open or authorize this account, so I request that it be closed immediately. I also request that Bank of America absolves me of all charges on the account and that you take all appropriate steps to remove information about this account from my credit files.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A