Date Received: 2023-05-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, Bank of America took an " Unauthorized Offset '' from my Personal Account ending XXXX for {$540.00} to supposedly cover the unpaid balances on the business accounts I had reported as Fraud. I have received no payment receipt for this deduction and there has been no record of accounts showing how and if the offset was actually applied to the account ending XXXX. Multiple Account numbers were associated with this Business account. I have previously reported that I did not open those accounts, nor have I ever been provided with Signature Cards for all Accounts opened as me at Bank of America. Other people were allowed to apply for credit as me and they were allowed to make changes to my corporate account. This is obvious Bank Fraud and Identity Theft. As I had reported that business account ( XXXX ) as Fraud, I did not approve or authorize this offset transaction payment from my personal account. I have filed multiple Fraud Complaints associated with the suspiciously handled Credit Card XXXX XXXX XXXX XXXX. I called Bank of America and requested a Bank Refund of the {$540.00} Offset payment, and I clearly instructed the customer service agent to take no other deductions from my personal account for the fraudulent business accounts. I spoke with Bank of America, XXXX XXXX XXXX XXXX on XX/XX/2023. I asked for an explanation as to why my Personal Account is being used to offset a Fraudulent Business Account, they refused to provide an explanation. I also explained that I never agreed to pay the amount and that no payment receipt or notification has been sent to me for the Payment. I also stated that the Total Balance Due for the Account is NOT MINE. I stated that I had no Card with a $ XXXX Balance. I requested to be refunded and they refused. I requested an explanation for why the XXXX XXXX does not match the Amount they previously emailed me as due for XXXX - They had no explanation. I requested to be emailed the Signature Card and the Bank Policy they were using as the legal basis for the unauthorized withdrawal. They refused. I also noted that the deduction they made is not clearly marked as a withdrawal from Bank of America. The attached Debit slip says BANKCARD DEBIT XXXX XXXX XXXX XXXX and does not clearly list the account the {$540.00} is being deducted to pay. This debit is therefore highly suspicious and illegal banking activity according to the FDIC. Please Investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality Some stole my identity n I didnt know until I checked XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I've been a victim of identity thifet and mail thifet and have Ben advised by my local police department to file for identity thifet, I just recently Ben aformed that I may have a bank of America pre paid card issued by the XXXX that I did not recognize and belive unauthorized transaction have Ben charged with out my knowledge or permission and would like to have an investigation to be initiated by Bank of America to dispute any charges that may have Ben placed
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: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I received an email on XX/XX/2023 from Bank of America notifying me that a bank account was opened in my maiden name, which is no longer my legal name. I had not opened any account, so I immediately called the Bank of America Fraud Department to let them know an account was opened fraudulently in my name, which had occurred once before with the same bank. A representative from the fraud department for Bank of America told me that they had closed the account and that there were no changes in funds in the account. I was also advised that a Identity Fraud Marker was placed on my account to keep this from happening again, but I had been told the same thing by Bank of America six months prior when the same thing occurred. On XX/XX/2023, I received a debit card for this account. I again contacted Bank of America to ask if the card was from the same account or a new unauthorized account. They were able to determine that the card was for the same account, and that a freeze had been placed on the account but it had not been closed as I was told it had. The representative at Bank of America, XXXX, reportedly closed the account. Since that conversation, I have received two months worth of bank statements for the account despite it reportedly being closed suggesting it is not. Bank of America also has not sent me any documentation regarding closure of the account despite requesting this via my phone conversations with them and via letter. I have repeatedly requested that Bank of America close this fraudulantly opened account and can only assume at this point that they are actively avoiding closing the account because they are themselves engaging in fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear Sirs, I have the honor to very respectfully report the acts of a criminal organization witch members are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( probably a fake name ), a company that issues fake loans ( doc # 1 attached ) 2 / XXXX XXXX XXXX represented by XXXX XXXX XXXX XXXX XXXX, a company that endorses those fake loans by supposedly insuring them ( doc # 2 ) 3/ XXXX XXXX XXXX XXXX XXXX which collects the funds from this scam ( doc # 3 ). I was a victim of this criminal organization which stoll me about XXXX dollars ( XXXX euros ) ( doc # 4 ). So that shuton cash loan has granted me a fake loan of XXXX dollars ( doc # 5 ) and has insisted that I insure this fake loan with royalland insurance org ( doc # 6 ) royalland insurance org told me that I have to pay XXXX dollars for this insurance ; but i have refused. A XXXXXXXX XXXX loan agent named XXXX XXXX, XXXX - XXXX XXXX. XXXX XXXX XXXX. ( probabely a fake name too ) then enters the scene to supposedly help me. He had offered to lend me half of the XXXX dollars of the false insurance in XXXX ( doc # XXXX ). and because this insurance demands that I mandatory pay it in XXXX he had given me his account so that I can wire the money into it ( doc # 3 ). Finely I had paid XXXX dollars to the indicated account ( doc # 4 ) and had obtained the fake insurance certificate ( doc # 8 ) but no credit was released to me. XXXXXXXX XXXX XXXX then asked me to deposit XXXX dollars to activate this fake loan ( doc # 9 ) that makes me understand I was the victim of a criminal organization. With Respectful greetings.
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: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: my card number was used on some online website and due to those charges my payments to the card wasnt made because I was not aware of the charges and Bank of America reported payments as late to my credit reports and it is hurting my credit score. They have zero liability for unauthorized charges yet I had to pay the full balance to close the account as they were not helping me resolve the problem with the charges that was not made by me The transactions was made in 2021 but I dont have my statements nor access to them online so I dont know exact amount nor date
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11422
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
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: To, Bank of america CLAIM ID : XXXX You have closed the dispute of XXXX stating that the merchant has provided the credit. Merchant has not provided the credit. The credit of XXXX is for a different transaction of XXXX. I tried to re-open the dispute by calling customer support, but they refused to re-open it. I send them XXXX fax about the issue, they do not respond as well. Please continue the dispute of XXXX for the transaction XXXX XXXX. Provisional credit is not provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XX/XX/23 accidentally paid {$2000.00} to a now defunct XXXX XXXX XXXX instead of XXXX XXXX XXXX, I have beaten my head against the wall calling both companies snd Bank of America and Im getting nowhere!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter regarding an application for an XXXX XXXX XXXX XXXX ( letter attached ). My former address is on the letter. I did not submit an application of any credit card from Bank of America. I did contact Bank of America in writing ( USPS ) to advise that this is a fraudulent application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2020 I was sitting outside of a restaurant when a gentleman came up to me and said excuse me sir I dont mean to bother you, Im just in a predicament right now, and was wondering if you could help me out. Being that I grew up in a low income area Ive always been taught to not judge a book by its cover and try and always have a kind heart. So I said what can I help you with you boss? He said, you wouldnt happen to have a Bank of America account would you? I said yes sir as a matter of fact I do. He told me he didnt want to pay the Check Cashing place fees to cash his check, and it was after bank hours, I believe it was around XXXX or XXXX? So against my better judgement, I helped him cash his check. And the next day I saw where the check had bounced. I felt so stupid. And thats not even the worst part! Ive gotten scammed like this ( the exact same way ) with 2 or 3 other banks! The only reason I didnt do anything about the situation on all 3 or 4 occasions, is because the amount that the scammers took out in my name was so large I just felt hopeless. I didnt know where to go, who to talk to, what to do. But now that Im starting a new career, I need to open an actual checking and savings account, and I cant, and Im assuming its because the banks think Ive been scamming them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20735
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A