Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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: IL
Zip: 60651
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 Bank o American decided to close my account for no legit reason and sent me the remaining of the balance. I was surprised to see that he remaining balance I received was for less than my balance in my account before they closed it. I tried to login to my account but they disabled my online banking as well. The only option for me was to call them and ask what happened to my funds. They advised me to wait for the statement and call them back if something was not right. I received the statement by mail and saw two transactions that were not mine. I immediately requested investigation of the two transactions that were not mine and a few days later I received a letter dated XX/XX/2023 that they were still working with the merchant to resolve my claim and that the process could take up to 45 days and that there was nothing I needed to do at that time. I waited for 45 days and called them for an answer. Bank of America told me that they had sent me the cashiers check for the rest of my balance and that I should have received it by then. I advised them that I had not received anything other than the letter and they told me that they would investigate to make sure the cashiers check had not been cashed and if so they would send me a new one. They advised me to wait for 15 business days. I did wait and since I received nothing from them I called them again and this time they requested that I go to any branch and call the number they gave me. I did get an appointment for XX/XX/2023 at XXXX XXXX XXXX XXXX Branch. The associate there helped me call them and they told the associate why he came to the branch t has not been 15 business days since we last spoke to him. Long story short the associate at the branch told me to go home and call the same number again in a few days. After that I have been calling them and not a single associate, manager or a supervisor knew what was going on as if I was in a different planet looking for dentist. Bank of America is very unorganized and unprofessional and the staff working there is most careless one can encounter.7
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91350
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: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXXXXXX XXXX ( 1st ) Loan amt. {$180000.00}. Payoff from mortgage loan {$100000.00} cash to seller {$61000.00}. XXXX XXXX XXXX ( XXXX ) XXXX XXXX finance charge XXXX ( 3rd ) XXXX Bank of America gave XXXX {$170000.00} XXXXXXXX XXXX Bank of America is the ( 4th ) mortgage company and XXXX Mortgage is ( 5th XXXX XXXX went back and forth with this Loan. In XXXX there was {$12000.00} overage. There is no explanation why there is 5 Mortgage Loan on this House. We owe the same amount now, as to when we built the house 23 years ago. I have Investors calling offering me XXXX for this house. We have never miss a mortgage payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: bank america closed my account without notice on XX/XX/2023. and did not return XXXX dollars. I tried to resolve the issue with the bank, but they told me that they cant return the money without giving a reason! this is my companys account and I have to pay taxes, but I cant because the bank does not return the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Hello, I requested a balance transfer of {$600.00} from one of my XXXX XXXX ( XXXX ) cards to my Bank of America ( BoA ) credit card on XX/XX/XXXX. However, on XX/XX/XXXX, I checked that it was not processed on XX/XX/XXXX. So I talked to BoA on phone while chatting with XXXX on their chatting system. The BoA said that it can not be processed on the day ( XX/XX/XXXX ) and the XXXX said that they did not receive any request from the Bank of America. So I cancelled the balance transfer with the BoA and told the XXXX about the cancellation - I first requested an adjustment of the amount transferred but BoA said that it is not possible, which leads to the cancellation and another balance transfer. To sum, I cancelled the first balance transfer ( and told the cancellation to XXXX ) and requested the second balance transfer. However, on XX/XX/XXXX, both balance transfers are processed. I don't know why the cancellation of the first balance transfer does not work, that is, why it is processed despite of the cancellation. I had spent all day trying to resolve this problem by cancelling the balance transfer. I don't think that both sides try to help me. On XX/XX/XXXX, I talked on the Bank of America side to XXXX XXXX XXXX, XXXX XXXX, XXXX ( He said he is a security but did not wear an uniform, refusing to provide his last name ) in Bank of America Financial Center of XXXX XXXX XXXX. On XX/XX/XXXX, I don't know the name of the person whom I talked to but he is the one who processed ID XXXX ( or XXXX ) which I did with him on the same day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The letter I received from Bank of America dated XXXX XX/XX/2023 with a Reference Number XXXX, please call XXXX so we can talk to you about suspicious activity on your bank account. Call the number Monday through Friday XXXX XXXX to XXXX XXXX XXXX XXXX XXXX. So I called today at about XXXX XXXX the number above and I received an agent from Texas by the name of XXXX tag number XXXX working in the closure department. So irresponsible for customer service she could not tell me why my account was being closed, I asked to speak with a manager with no response. Then I asked to be transferred to the Fraud department that handles suspicious activity, the system at Bank of America transferred me back to another agent of the closure department the agent was totally rude that I asked to be transferred to the online banking of suspicious activity. The next agent that I talked to was in Maryland, he was in Fraud, but he could not discuss the issue with my closure account he transferred the call to another agent in Fraud which to no avail gave me a number to call which is Fraud Claims Department. That Department was closed by XXXX XXXX. There number is XXXX. Looks like the letter that I received was a runaround letter with deceiving affects and poor management of Bank of America with the understanding of professionalism under lousy leadership every member representing the Bank should be reprimanded and a letter signed by the CFO place in their personnel file. I have no clue how a business operates in today 's environment. It seems no one cares unless this issue attracted the XXXX XXXX and XXXX XXXX in XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I closed both of my Bank Of America account on XX/XX/2014 On my XXXX XXXX report bank reports " Consumer Removal Date XX/XX/2014 The phone number on the bank reports doesn't belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank of America closed my account all of a sudden and did not update the reason. I opened a business account and funds have been deposited from vendors out of state. They closed all my family accounts including my wife and kids accounts and did not update a reason. Have been trying them since 2021 and there is no update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: A Bank of America credit card was opened in my name and I'm not happy as its affecting my credit score and i need this removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06905
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I used Bank of America ( BoA ) for an online balance transfer from a different card, we wanted better 0 % rates. 2 weeks went by without any confirmation of a transfer. On the 3rd week I checked both the BoA account and the other account. Neither showed any activity beyond what I had paid. At this point I also had not received any mail from BoA either. So I went back online and attempted a 2nd time to make a balance transfer, but this time through a check in the mail. I did receive the check and the literature that is normally associated with these activities from BoA. I used the check to create a balance transfer and it was successful. A few days later a second online transfer was made and I did receive the same information I had received from the check transfer a few days earlier. I called BoA and inquired about the details of the online transfer. After much dialogue, BoA stated that they made a mistake and that I simply needed to ask the credit card I was transferring out of for a refund, apply it to the BoA account ; and when that was complete I could call BoA would remove the 2nd transfer fee because it was their error. It was stated they would have notes in the system. All this was performed and when I called BoA they stated they would not remove the 2nd fee. To insult to financial injury the original BoA person who was adding the notes into the system gave me a direct number to the BoA Balance Transfer Specialist Department that actually was for the XXXX XXXX XXXX XXXX, or airport lounge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54403
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A