Date Received: 2023-05-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Begining 2022, I submitted on 3 different remittance coupons ( which is to Bank of America, they accepted the coupon and then took adverse actions against me for exercising my rights by closing the account and continued to bill me. A remittance coupon is a negotiable instrument. 12 CFR 1026.13 - Billing error resolution. a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan. ( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Violations ... ( XXXX ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section. I have uploaded evidence of my attempt to communicate and resolve this issue. 15 U.S. Code 1693m - Civil liability ( a ) INDIVIDUAL OR CLASS ACTION FOR DAMAGES ; AMOUNT OF AWARD Except as otherwise provided by this section and section 1693h of this title, any person who fails to comply with any provision of this subchapter with respect to any consumer, except for an error resolved in accordance with section 1693f of this title, is liable to such consumer in an amount equal to the sum of ( 1 ) any actual damage sustained by such consumer as a result of such failure ; ( 2 ) ( A ) in the case of an individual action, an amount not less than {$100.00} nor greater than {$1000.00} ; 1. Cause me Stress 2. Closed my acct 3. Damaged to my credit file Question : Who has the actual, implied, or apparent authority to use consumers credit card or open-end credit pursuant to 15 US code 1602 ( l )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77346
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Someone was taking my money each month from my checking account. The way that they charge me, is a subscription that I never ask. I told my bank about it but they said that was not possible, because I received benefits from this company. They supposed to do their research, but they still said that is not possible to recover my money. They just send me a letter about it, but they don't include any information about this company or the service they said I am getting benefits from. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied for a Home Equity Line Of Credit with Bank of America. The application went smooth, I did it over the phone with a lender. It was sent over to underwriting, I submitted all requested documents. I got an email saying the title work and appraisal had been ordered. Then I got an email back saying they required me to have {$9000.00} in a savings account to be able to be approved for the loan. This was the first time during this entire process that this requirement had been brought up. I really thought it was strange. I only have about {$4000.00} in a savings, so they said they could not move forward with the loan. Had I known this up front, I never would have applied and took the hit on my credit. Obviously, I would have known I would not be approved. But this fact was never disclosed until the end, after the app, the credit pull, the entire process. A supervisor called me after I submitted a complaint on their website about this process. Then, after that, I got a call from the appraiser to schedule an appraisal, so I did that. Thinking maybe it was back on track again. We scheduled for today at XXXX XXXX. Well, the appraiser did not show. I called and she said the bank called her and cancelled it. So, I am really not sure what is going on. I think it is unacceptable that they effectively tricked me into applying for a loan I had no way of getting. And also during the process, the person that took my application on XXXX separate phone calls remarked how young I am. Which, I am XXXX, so I don't know why. But also, how is that relevant? Is that also part of why I was declined? My age? Again, I just find it unacceptable they would not disclose the {$9000.00} requirement up front, make comments on my youth, and then conveniently find this " loophole '' to decline my application. All while still getting my information into their system and getting an application tick mark for their spreadsheets. And this stuff is all there to see in the emails I have and their recorded phone calls. I also find it unacceptable that they just so blatantly would do all this and not think a customer would take issue with the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 546XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had checking and savings account was with Bank of America last 10 years. Someone made a deposit {$2500.00} through online without my knowledge. I try to explain the BOA agent he is very arrogant- from closing department and his name is ( XXXX ID # XXXX ) not qualify to work for Banking so Would like to bring charges against him to abuse his power to unlawfully!!! My account details Routing No : XXXX Wire Routing : XXXX Savings Account : XXXX Domestic XXXX XXXX : XXXX XXXX : XXXX Checking Account : XXXX XXXX XXXX XXXX XXXX. Last XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please see previous complaint and response. I am not going away. I want the name of the person at Bank of America who continues to commit fraud by accessing my account without my consent. I plan on bringing a lawsuit. This is not difficult. Just pretend I am white and go from there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: The crook pretended to be the bank itself. I received an email or text message asking me to confirm a large, fake XXXX payment. When I replied that I didnt authorize the transfer, the scammer followed up with a phone call pretending to be the bank. The phone number must have been spoofed so it showed up on caller ID as BOA bank. I was walked through instructions on how to reverse the unauthorized claims. Then on XX/XX/23 a zelle transfer of {$1100.00} was sent directly to the criminals for a suppose sofa I purchased which I didnt make. I called BOA right away and reported it. They told me it would take up to 45 days for a response. My claim claim was denied. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing this letter to report a violation of the Fair Credit Reporting Act ( FCRA ) by a creditor. I recently checked my credit report and found that the creditor had listed inaccurate information, which has negatively affected my credit score. The creditor did not follow the regulations laid out in the FCRA, which mandates that creditors must report accurate information to the credit bureaus. According to the FCRA, if a creditor fails to report the correct information, they have committed a violation that can be reported to the Consumer Financial Protection Bureau. I hereby request that an investigation be conducted into this matter so that the creditor can be held accountable for their actions. Additionally, I urge the bureau to take necessary action and ensure that the creditor corrects the inaccurate reporting to the credit bureaus. I believe the creditor has violated the law and my rights under the FCRA, and I request appropriate legal action to be taken. Thank you for your attention to this matter, and I look forward to receiving your response. Credit Report XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Bank of America XXXX Bank of America Disputed all inquiries 5 times Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My wallet and phone were stolen from my car. The thief tried to make some large purchases that exceeded the checking account balance, so the transactions were denied. Thief then went on to somehow transfer a large sum of money from another account to the checking account to then make large purchase. Security of accounts is a major concern. Below is an excerpt of the letter I sent to BOA after my claim was denied : 'I received notice that my claim has been denied and closed, incorrectly citing non-aggressive spending behavior and for some reason citing XX/XX/23 when this theft happened in XXXX. There was clear error in the research conducted. Please reopen and take another look. On XX/XX/23, my phone was stolen from my car. Attached to the phone was a card holder holding my license, a XXXX credit card, and a BOA debit card. It was used to attempt several purchases, finding success with 1 large purchase at the XXXX XXXX. From my own research, it looks like the thief tried unsuccessfully to charge two different charges at the XXXX XXXX. One for XXXX XXXX and some odd dollars ( should be in your notes ) and the {$8600.00} charge. The alarming part from a security standpoint is this next part : a transfer of {$15000.00} was made from the account ending XXXX to the checking account XXXX. In the transaction details, it states that the transfer was made via phone. I am the executor of my recently deceased fathers trust. The account ending XXXX is kept to pay legal fees to settle his assets. Please tell me how its possible for a thief to access this account merely by a phone conversation. The thief had my phone and ID, so in theory, 2FA could be sidestepped as the text bubbles with the code are viewable and he would have access to basic info like DOB, address, etc. I would like to think that there would be an extra layer of security ; requiring the last 4 of social or mothers maiden name ; something that isnt easily accessible in order to conduct a transaction this large. There should have been more flags raised. You record calls. Please look into the call made that day to make this transfer. You should find plenty of evidence the person making this call wasnt me. The above mentioned transactions were declined because my checking account balance wasnt enough to cover the transactions. Its my guess that after the transfer, the thief was able to reauthorize the latter purchase of {$8600.00}, as this was eventually the lone processed transaction. There were initially 3 charges totaling {$19000.00}. {$2600.00} ( I think ), and then two subsequent identical charges of {$8600.00}. The fist two charges fell off the ledger as they were declined. I recently called to adjust the claim amount to the amount that was processed : {$8600.00}. If theres any way to pull up old declined transactions, you should be able to see an alarming spike in aggressive spending behavior. I was able to lock my accounts and cards when I got to my laptop. Attached are some other attempted transactions that were declined, again, showing abnormal aggressive spending behavior. I also have proof of cancellation and renewals of my XXXX card as well as a drivers license. The branch manager at your XXXX location can confirm ( you should be able to see on your end as well ) that I open all new accounts at BOA in order to curtail further fraud. '
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90405
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: REQUEST IMMEDIATE URGENT HELP FROM GOVERNMENT REGULATOR [NOT] FINANCIAL INSTITUTION. 1) I HAVE NOT RECEIVED AN ACTUAL MONTHLY BANKING STATEMENT IN YEARS. 2) ONLINE ACCESS IS BLOCKED. 3) ALTHOUGH I NEVER GAVE THE BANK AUTHORIZATION TO CHANGE MY MAILING ADDRESS. THEY CHANGED IT TO A PO BOX AND REFUSE TO CHANGE IT BACK TO MY PROPERTY ADDRESS. 4) FROM MY PREVIOUS COMPLAINTS; I HAVE A LOAN PROBLEM. I HAVE EXPLAINED NUMEROUS TIMES AND NO ACTION IS TAKEN TO ASSIST ME. IN FACT, THE OPPOSITE. THREATS HAVE INCREASED AND THE LENDER PURPOSELY DESIGNED A LOAN MODIFICATION FULL OF THREATS, LOOPHOLES, QUADRUPLE FROM ORIGINAL LOAN PAYMENTS; AND T/L AND DECEPTIVE TRADE ACT VIOLATIONS. HERE I AM ONCE AGAIN IN THE 11TH HOUR....PLEADING WITH CFPB TO TAKE THE SLIGHTEST INITIATIVE BEFORE XXXX XXXX XXXX. THE GOV HAS HAD MONTHS OR OVER A YEAR TO ASSIST WITH THIS SERIOUS MATTER. THERE SHOULD ALREADY BE A PAPER TRAIL OF COMPLAINTS REGARDING THIS PROBLEM FROM XXXX XXXX. PLEASE CONTACT ME DIRECTLY. THANK YOU.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XXXX XXXX I open a claim for fraudulent charges I did not make or purchased I lost my edd debit card on a gas station and then checked in and hospitalized for about 2-3 months I came home and checked my card balance and {$2300.00} where missing I called and open a claim and they credited my account for XXXX then I get a letter saying this credit was reimbursed because my account was subject to fraud leaving my account negative and had to repay with my own benefits is kept frozen for a long time then on XX/XX/XXXX I get a letter to reopen claim for consideration I due and gets denied XX/XX/XXXX XXXX is blocked and fraud continues Im blocked from online account Have no clue of whats happening XX/XX/XXXX I get a denial letter for dispute XXXX Consider dispute close. XX/XX/XXXX the fraud claim on XX/XX/XXXX merchant reimbursed you for transaction on XX/XX/XXXX I called and they said claim is still under investigation after or before they froze my account they said the claim was on my favor and consider {$2300.00} credited permanently. Then they take the money back and now Im asked to verify my identity and they will return {$2300.00} into my account once verification is completed. That didnt happened so Im asking them to send me the statement with corrections made but I dont receive them I dont hear back and have no idea {$2300.00} have no clue because I didnt receive a letter saying they credited my account on XX/XX/XXXX is now XXXX and Im told that first claim doesnt exist second claim made on XXXX was approved and credited on XX/XX/XXXX, but I never received a card or a letter with updates and they keep allowing fraud on my account I finally get a new card and have access to online so much fraud XX/XX/XXXX skrilled took a total of {$2100.00} from my account I contacted them and was told to call boa to get my money back since it was such a long time ago I explain that my account was frozen then blocked she totally understood and she feel bad for my situation. XX/XX/XXXX I open a new claim but I already know that I wont probably get my money back. Im still owing rent for months I make boa responsible for all this financial damage cause to myself. Im very worried about someone having my ssc, green card and XXXX which was lost and are using or try to use on Texas I got a letter saying someone had try to open a electricity account presenting my documents. IRS also told me someone is using my social security and personal information for work purposes. XX/XX/XXXX I got a letter saying I received credit of {$37.00} for fees associated with a prior claim XXXX I called and representative said disregard this is for a claim that is closed then why would I receive this letter just know if claim was closed it makes no sense and they need to pay attention on the information sent out to me especially if is sensitive information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90059
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A