Date Received: 2023-05-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: i lost XXXX dollars total bank America let someone change my account info on line and put XXXX XXXX and gift cards on my account..i was getting XXXX dog at that time I have XXXX XXXX a XXXX XXXX i got notice on email. i called and said no they apologized and didi it any way. my email was changed and i had no idea so i could not get online and see what was going on my phone got hacked could not get text messages still is that has been for going on 4 years fbi DA state representatives At the time mayor XXXX and and local and state police did and continue to do notiing i get death threats been through 2 XXXX XXXX 9 XXXX have 2 XXXX that firmware was eaten and have a forensic computer company that still trying to help me. this started on XX/XX/2019 till today been through 101 emails addresses 10 credit cards. my tv is hacked and my car. they steal my mail. i actually XXXX XXXX had a XXXX had no phone for help was found two days later on the floor my XXXX XXXX XXXX in hospital 2 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
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: Merchant charged my credit card and was not able to provide committed services. I filed a dispute in XXXX, XXXX. First it was very difficult to make it understand to Bank of America. Merchant did some partial refund in XX/XX/XXXX. I called Bank of America again asking for remainder. In XX/XX/XXXX I was over refunded. I paid back over refund charges to as the charge was posted on my account. Now in XXXX statement I got two of the same charges posted on my account again. Each charge is {$1600.00}. Bank of America said that since I got the refund from Merchant, so they are taking back what they credited. First, I never got full refund from Merchant. Second, Bank of America is taking back more than they credited. It is more like a white-collar crime. I have a habit of going through each charge on my bank statement. But, what about people who trust these Banks and pay statement balance without looking at charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This is the XXXX complaint against Bank of America. I do not have an account with Bank of America and this is part of identity theft. It is unfair for my credit to be ruined based on this. Please update ASAP. Best, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I don't have ANY accounts with Bank of America. The last account I had was closed by Bank of America in or around XXXX. I receive today, XX/XX/XXXX that two prepaid cards were opened in my name. Sources that have all the information they need to impersonate me are : 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX ( Divorce documents, tax returns, social security cards for me and my XXXX old child, etc. ) they terminated me XX/XX/XXXX and appear to allow people in the homeless community of XXXX XXXX with the assistance of the XXXX XXXX XXXX to sleep in my formerly rented room. 2 ) The XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CO XXXX who uses a master key of XXXX XXXX while being paid as front desk clerks to enter my apartment against lease terms, and I had a flash drive stolen with tax returns, social security documents, and ibuprofen that was supposed to serve me after a XXXX XXXX. I ended white knuckling through the pain when I came up 5 pills short. Such good millionaire tax exempts who do everything not to ensure their " dependents '' get their determinants of health. My military medical records were also left at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, so anyone could really do a number pretending to be me. Only at times like these do I get a chance to know how close I am to XXXX because of the lack of professionalism and common sense of the people of my past, including my only family who were the ones who took my military medical records out of XXXX XXXX in the first place, XXXX XXXX XXXX ( step-mother ). Bank of America has confirmed there is an open account with them in may name despite them refusing to employ me between XXXX when I was trying to pay off my legitimate credit card with them. They opted to give me my first credit downgrade instead, and now I really don't care what they think of me after they opened two new credit cards on an account I didn't open 10 years later after I've gone homeless because of people not doing their jobs like them. I called the number of ( XXXX ) XXXX on the two notices saying there are prepaid cards in my name with account numbers ending in XXXX and XXXX. The people at that number seemed to be fraudulant ; so they were told to XXXX when they refused to tell me what accounts were opened in my name and when ; the current caller refuses to tell me when the current account was opened too. So, I could narrow down who used what information from XXXX XXXX or The XXXX XXXX XXXX. So, I am enlisted you to help me. I am now waiting at the online number of ( XXXX ) XXXX for her to " further confirm my account details, '' and already it's been longer than one would expect from such an irate caller as I am right now. You should know, the silver lining is that the XXXX XXXX XXXX XXXX sent me a XXXX threat telling me they could take all the money in any accounts with my name and social security number. So, any identity theft people will end up paying my child support and potentially tax debts for me, which will make me laugh considering I am unemployable because companies like Bank of America apparently did nothing to protect my privacy after all the work I did to ensure I was XXXX or XXXX to near XXXX again. My three credit bureau accounts were put on a fraud alert.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Hi, Bank of America deposits into my account {$6700.00}. But the actual claims was {$19000.00}. I'm still short around {$12000.00}. The Bank of America still has my fund in the amount of {$12000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear Sir/Madam, I am writing to file a complaint regarding a fraudulent transaction that has resulted in substantial financial loss for my company, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX and to seek your assistance in recovering our assets. The incident in question involves an individual named XXXX XXXX XXXX, who presented himself as a sales manager from XXXX XXXX XXXX XXXX XXXX and our attempt to purchase inventory through this fraudulent scheme. On XX/XX/, we entered into negotiations with XXXX XXXX XXXX, who claimed to be representing XXXX XXXX XXXX XXXX XXXX a reputable supplier with whom we had previously conducted business with from XXXX. XXXX XXXX purported to be the sales manager and offered to sell us 7 containers, each weighing 28 metric tons, of frozen chicken meat. Our agreement stipulated that the shipments would be delivered to our facilities in XXXX, XXXX, XXXX, where our company, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, is located. Given the unfamiliarity with this particular location and the fact that it was our first time working with XXXX XXXX and his purported company, we agreed to make a cash-in-advance payment for the transaction. The total amount of the transaction, which included the cost of the frozen chicken meat and an additional insurance fee for customs clearance, was {$160000.00} USD. The payments were made through wire transfers, with {$100000.00} USD being paid in the first six transfers for the purchase of the frozen chicken meat, and the remaining {$56000.00} USD being sent in the final transfer to cover the insurance fee at US Customs. All wire transfers were made to a Bank of America account associated with the recipient. To facilitate the transportation of the goods, XXXX XXXX informed us that a freight company named XXXX had been contracted to handle the shipping and import process. We were assured that the 7 containers had been shipped to XXXX, Arizona, and were awaiting customs clearance at the US border. However, upon contacting our customer broker agency, XXXX XXXX, we were dismayed to discover that the containers had never arrived at their destination. Upon further investigation, it became evident that the entire transaction, including the involvement of XXXX XXXX XXXX, XXXX XXXX, and XXXX, was part of an elaborate fraud scheme. We believe that our funds have been misappropriated and that we have become victims of a carefully orchestrated deception. XXXX XXXX XXXX, in particular, has persistently demanded additional payments for the release of the non-existent containers and to cover alleged secure fees for the logistics company. However, we have wisely refrained from engaging in any further transactions with these individuals. Enclosed with this letter, you will find supporting documentation, including copies of all relevant communications, wire transfer receipts, and any other pertinent information related to this fraudulent transaction. We sincerely request your prompt attention and action in investigating this matter to assist us in recovering our assets. We trust that your agency 's expertise and resources will be instrumental in uncovering the identities of those responsible for this fraudulent scheme and bringing them to justice. Please feel free to contact me at your earliest convenience should you require any additional information or clarification regarding this complaint. We greatly appreciate your attention to this matter and eagerly await a positive resolution. Thank you for your prompt assistance. Dates of transfer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was a victim of credit fraud when I was traveling overseas. My credit card from bank of america was stolen when I was in XXXX. I had contacted the bank and reported that the card was stolen and was used by somoeone else, and closed the account right away. Bank of america opened a claim in ( claim number XXXX ). However, they denied to provide a claim stating that I did the charge which is not true. Bank of america did not do a proper investigation, and the charges after XX/XX/XXXX are not mine. I explained multiple times to bank of america, to many representatives that my last transaction was in the amount of {$7.00} on XX/XX/2023 at XXXX XXXX. To my surprise, they did not return me the funds which were charged after that transaction. The total charges add up to over {$770.00}, and bank of america did not cover the liability they are supposed to cover. I am asking you to interfere and ask bank of america to do a proper investigation and return me the fraudulent charges which are not mines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08873
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was alerted about a collection account being added to my credit reports ( XXXX, XXXX XXXX XXXX ) After reviewing the information it stated it was From XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX for a XXXX account from XX/XX/XXXX in the amount of {$310.00}. I have never had a XXXX account. After speaking with XXXX today I have learned that a address of XXXX XXXX XXXX, XXXX XXXX, Tx XXXX was added as a address for me through the credit bureau. I have never lived in Texas or have even been in Texas. At this time I am disputing the above account and address being added. \\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\\ I was told by XXXX to include this information also when submitting the above information. In XXXX of XXXX a application for a credit card for Bank of America was submitted, which I never applied for and the inquiry for this account was removed. ( # XXXX Research request number ) I just noticed now after reviewing my account that there was to additional Inquiries on XX/XX/XXXX and XX/XX/XXXX which I am disputing also through XXXX. Thank you for your time in the above matters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33914
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Bank of America is infringing on my right to privacy of my personal information. They are illegally reporting my private information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90038
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Several weeks ago I applied for a Home Equity Line of credit on the Bank of America online site as I have several accounts already with them. On the application I explained that our home was under a Revocable Living Trust I offered to send a copy of the document, but I was told that there was no need for that. I completed everything they asked for and sent all forms to them. At least two more times I offer to send the Living Trust Document to them each time I was told no need. We get all the way through the process and today I get a call stating that they do no lend on Live Trust only Living Trust. The very first page of my document states clearly Living Trust. All the affidavits I completed and sent out I clearly stated I was the Trustee. My daughter is also a Trustee and she too signed the Affidavit as they requested. The person calling me clearly does not know what they are talking about. I clearly stated also that I had a POA for my husband whom has XXXX XXXX as his name is on title. This was recorded which included two letters from physicians stating his inability to sign. I provided all documentation and completed all the paperwork. I want the inquiry removed from my credit report as it was pulled under false pretenses. If I had been told in the beginning, I would have not moved forward. The gentle man I have been dealing with is XXXX XXXX XXXX XXXX # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34785
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A