Date Received: 2023-06-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a concerning matter regarding my credit report. Upon reviewing my credit report, I have noticed an unauthorized hard inquiry that was recently pulled by Bank of America on XXXX XXXX I want to clarify that I have no knowledge of any transaction or business association with Bank of America, and therefore, I do not recognize the validity of this hard inquiry. As a result, this unauthorized inquiry is significantly impacting my credit score, which has been diligently maintained.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A payment of {$500.00} was made to Bank of America ( BAC ) credit cards on XX/XX/XXXX. This information has not been correctly reported to the credit card bureaus and has caused a negative impact on my credit scores and credit with other creditors. BAC has reported to the credit bureaus that I did not make a payment in XX/XX/XXXX and that I was 30 days late in XX/XX/XXXX. I am attaching proof from my bank that BAC received a {$500.00} payment on XX/XX/XXXX which posted XX/XX/XXXX. I have tried to dispute the incorrectly reported information with the credit bureaus and with BAC directly. In response to a previously filed complaint, XXXX, BAC sent me a billing statement from XX/XX/XXXX ( wrong year- see attachment ) when I asked for a written acknowledgment of the {$500.00} payment they received for XX/XX/XXXX. BAC has not provided information to me showing they correctly reported my XX/XX/XXXX payment of {$500.00} as they are obliged to do by federal credit reporting regulations. I was told by BAC that they reported my XX/XX/XXXX payment to the credit bureaus but the dispute report ( XXXX ) I received from XXXX shows they received incorrect payment information on XX/XX/XXXX from BAC showing a last payment date of XX/XX/XXXX for the XX/XX/XXXX statement closing date ( see attachments ). When questioned during a call on XX/XX/XXXX, BAC representative XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resolution XXXX Regulatory Complaints, alleges XXXX is not reporting correct information sent to them from BAC. She verbally acknowledged my {$500.00} payment was received on XX/XX/XXXX but did not include that payment acknowledgement in her complaint response letter nor provided statements for the questioned time period showing that payment. I have attached online BAC payment information showing the XX/XX/XXXX payment of {$500.00} was received by BAC. This complaint is stating that BAC did an incomplete investigation of my previous complaint, provided documentation from the wrong year and month ( XX/XX/XXXX ) and not from XX/XX/XXXX, and did not act to resolve its reporting errors causing further harm and distress to me and damage to my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: From XXXX to XXXX my bank of America account, I never present any type of setback, I never carried out any illegal action, I had my credit cards up to date, I properly used my personal account. In XX/XX/XXXX I was notified that my bank account and all accounts related to me would be closed, without any reason or explanation, that account only made transfers by XXXX, air transfer, and personal expenses related to me and my family. I was notified that I can not reopen an account with them without any reason for explanation, and arbitrarily closing my account, where at no time is any irregular action present. For the date of XXXX, I was never notified that making use of the XXXX was a violation of the bank 's rules. So I would like to know if I could solve this problem with the BANK OF AMERICA bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33180
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Date : XXXX Company : XXXX XXXX. RE : Account # XXXX Balance : {$90.00} XXXX XXXX XXXX Account # : XXXX XXXX : {$110.00} XXXX XXXX. Account # : XXXX XXXX : {$98.00} XXXX XXXX. Account # : XXXX XXXX : {$130.00} XXXX XXXX. Account # : XXXX XXXX : {$120.00} XXXX XXXX. Account # : XXXX XXXX : {$320.00} XXXX XXXX. Account # : XXXX XXXX : {$170.00} XXXX XXXX. Account # : XXXX XXXX : {$73.00} XXXX XXXX. Account # : XXXX XXXX : {$87.00} BANK OF AMERICA Account # : XXXX Balance : {$5900.00} XXXX XXXX XXXX Account # : XXXX Balance : {$12000.00} To Whom It May Concern : This letteris being sent to youin response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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 named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Saturday XXXX XXXX, there was unauthorized transaction of {$83.00}. I did not make the transaction. I called Bank of America Tuesday XXXX XXXX at XXXX. A woman named XXXX from the South Carolina branch saw the transaction and said it has a reversal of its original transaction and youll be getting back your money on Wednesday XXXX. It was reversed but has not showed up on my account. Now its not showing on my account where the transaction was pending.Bank of America said since its not on my account anymore then they cant file a claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: BANK OF AMERICA {$2300.00} XXXX reported this by submitting a complaint, they keep stating it is verifiable. They use my account and identity information to prove it. However, this account was opened fraudulently. I have an FTC, CFPB, police report, and more. I also have this message in my credit reports. I do not have any knowledge of this said account and it needs to be removed now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 847XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: REPEAT VIOLATIONS AS PRIOR HISTORY OF DECEPTIVE ACTS AND PRACTICES IN VIOLATION OF THE CONSUMER FINANCIAL PROTECTION ACT ( CFPB ) 12 U.S.C. 5531, 5536. AND FDCPA 15 U.S.C. 1692e FALSE AND MISLEADING REPRESENTATION IN CONNECTION WITH THE COLLECTION A DEBT. FALSE AFFIDAVITS, UNTRUE CLAIMS THAT WERE SWORN TOO. I HAVE BEEN DAMAGED FROM FABRICATED EVIDENCE CREATED TO FOOL THE JUSTICE SYSTEM I HAVE ATTACHED A SAMPLE OF THE FABRICATED MONTHLY STATEMENTS USING XXXX CREDIT CARD TEMPLATES TO MAKE XXXX ACCOUNT, THERE ARE MORE OF THE STATEMENTS WITH MIXED SECTIONS OF ORDER. THE SECOND ACCOUNT IS NOT IDENTIFIED HAS MISSING XXXX YEAR HISTORY SAME MIXED UP SECTIONS. CONTAINS FABRICATED CHECKS ( NEVER USED ) AND XXXX POSTAL CLERKS CONFIRMED THAT ADVERTISEMENT ENVELOPES ADDED IN INFLATED STATEMENTS WITH MY ADDRESS WERE NEVER MAILED. I HAVE NEVER RECEIVED THE MONTHLY STATEMENTS AND THEY WERE NEVER SENT/MAILED TO ME. THEY WERE CREATED AFTER LAWSUIT STARTED. IT SHOULD BE NOTED THAT ALL OF THE FABRICATED EVIDENCE AND FALSE AFFIDAVITS ARE CREATED IN BANK OF AMERICA DEPARTMENT CALLED THE RESEARCH AND ADJUSTMENT ( COLLECTION DEPARTMENT ) THE EMPLOYEES ARE HIRED AS RESEARCH AND ADJUSTMENT REPRESENTATIVES, I HAVE ATTACHED THEIR JOB DESCRIPTIONS LEVELS XXXX & XXXX, THE TITLE OF " OFFICER '' DOES NOT APPEAR IN JOB DESCRIPTION AS IS USED ON AFFIDAVITS, THEY DO THE SWEARING AND NOTARIZATION IN THAT DEPARTMENT MOST TAKE TURNS SIGNING AND NOTARIZING AS MOST I INQUIRED ABOUT EACH HAD NOTARY LICENSE. THEY MUST WORK DIRECTLY WITH ATTORNEYS TO GET THE EVIDENCE NEEDED IN COURTS. IT IS IN JOB DESCRIPTIONS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, at exactly XXXX pm, I used a Bank of America ATM at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. The ATM ID number is XXXX. I attempted to deposit {$2800.00} cash into the ATM. It processed and said, " Is this amount correct? '' I clicked confirm, then it said " processing transaction ''. The circle spun for about XXXX minutes trying to process until the ATM said " Transaction canceled '', spit out my card, kept my money, then returned to the home screen as if nothing happened. I never got a receipt, and the money was never deposited into my account. I filed a claim with Bank of America and as of today, XX/XX/XXXX, they still have not issued me my money. They keep giving me the run around etc. That money is the rent money that I need for XX/XX/XXXX rent, along with other bills. I have a pregnant wife and baby on the way. We are a single-income family and I currently can not pay my bills. I do not have time to wait for Bank of America anymore and need assistance with this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89014
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have been going through financial hardship for sometime since the pandemic. I have been struggling to the point where today, XX/XX/XXXX I called my credit card company, Bank of America to ask for forbearance on my credit card payments. I asked if they would suspend my payments for approximately six months or less. I have decided to place my apartment on the market for sale. Actually its been already on the market for a few months, but because interest rates are so high, sales have been slow. I am also offering my apartment for rent. My apartment has substantial equity in it and I would have no trouble paying them back which I explained to them. Unfortunately they flat out rejected my requests. I am XXXX XXXX years of age and they are obviously discriminating against me because of my age in violation of part B of the ECOA Law. On their website that I have been using for sometime, there is a section on payment assistance which I will attach, It says WE ARE HERE TO HELP IF YOU NEED PAYMENT ASSISTANCE.Notice on this document there is no option to send a message, only to call, which means Bank of America wants nothing in writing. Bank of America is not here to help especially is one is a XXXX XXXX year old woman. I unequivocally state that I have had a relationship with Bank of America since I first took out a HELOC loan from them on or about in XXXX. Then I opened some credit card accounts at their urging. I have never been late on my payments to them. Bank of America claims I had one thirty day late in XXXX which I disputed. The fact is in my entire life other than this incorrect thirty day late I never had a blemish on my entire credit reports ever. For them to deny me a short forbearance period is discriminatory and disgusting especially for a valued customer that they insist I am.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I got an email from Bank of America to confirm my email address. I haven't contacted the bank before so I called them. It turned out that someone has set up a bank account with them and applied for a credit card under my name using my address, social security number, but their own phone number. I have requested for them to mark it as fraud and close the account. I also have frozen my credit with all the Credit Bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A