Date Received: 2023-05-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have reached out to the involved companies through the credit bureaus, and it has been 90 days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. I demand that this unverifiable information be removed from my credit report immediately. The 90-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. Please let me know if you would like any further revisions or if you have additional concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: good afternoon dear, I want to know the reason why you do not help me, I am a low-income person, and in a country with many problems ( XXXX ) XXXX the bank closed my account and without any explanation, which I think is in their right, but it is my right that they give me my money, I have been having this problem for several years and to this day no solution from the bank or from you, I do not have a XXXX, I can not go to the United States XXXX there is no embassy in my country, I ask you to give me my right to my money that with so much effort from my work I have been able to collect, my account was closed in XX/XX/XXXX, and I have filed 2 complaints here with the number XXXX dated XXXX XXXX and XXXX dated XX/XX/XXXX, and they have been closed without any solution, and I only ask you to please give me my right as an honest person that I am to have what is mine, that is all I ask of you, and please do not close my case without my consent that the problem was solved, my balance is XXXX thank you very much
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: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To Whom It May Concern : Good afternoon. There are 2 accounts, Bank of America and XXXX, that are listed on my credit report that I have never done business with and are fraud. Furthermore, when XXXX XXXX lowered my limits it made me look into my credit report to find these 2 accounts and other inaccuracies within my report. My company, XXXX, alerted me my personal info was compromised which included my SSN, DOB, ADDRESS, W2/TAX INFO, RELATIVES, etc. This is extremely concerning as my payment history and credit score is very important to me.
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: 2023-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Bank of America allowed someone to create a checking account in my name with NO social security number or form of ID. I contacted BOA about this issue and assured me there was no checking account under my name. Two weeks later I find that there is and a user has been able to update all of the contact information on my account with none of my knowledge. I asked BOA to wipe all of this info clean. I found today that the fraudulent email is STILL the primary contact on my account and I am unable to delete it. BOA has also asked that I send out a form to them with a photo of my social security card and license which is ridiculous since none of this was required for the account to be set up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02118
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been charged excessive fees and account was closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95758
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On the XXXX of XX/XX/2023 I received an email from Bank of America asking to verify my account, then a followed-up email saying that I have enrolled in online banking and last another email informing me that my application to open up a checking account was denied. I did not apply for any type of banking products from Bank of America. I did reach out to them today the XXXX of XX/XX/2023 about the emails and they did confirm that it was a case of stolen identity. The Bank of America representative did say that the application was denied and that no further action is needed. They did make some suggestion on making an official complaint with the FTC and to notify the Credit Bureau to freeze my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bank of America opened XXXX fraudulent checking accounts in my name within the past month. They are opening these accounts online and not providing sufficient information about how this can be prevented in the future. Only XXXX account has been closed, they refuse to close the other account until a 90 day investigation is completed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had sent a resume via XXXX to a work from home position and was contacted by XXXX and XXXX via text message. I was told to download telegram and speak to the HR manager to discuss the position. I was interviewed, hired, and told that I would receive equipment. I received a fake check, deposited, and sent money to several people for the equipment but never received anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: 1. ) On XX/XX/2023, my wife, XXXX XXXX, and I each submitted applications online for credit cards with Bank of America. This would be the second credit card for each of us. We pay off our current credit cards each month and have no outstanding balances nor have we had any outstanding balances for many years. My Bank of America application reference number is XXXX. 2. ) At the time of application, I believe that both my wife and I had credit scores exceeding 800. We have been married 37 years. We own our home and car outright and have no outstanding bills of consequence. As of this writing, we have about {$60000.00} in checking and savings accounts at Bank of America and approximately {$500000.00} in government bonds with the federal Thrift Savings Plan ( TSP ). We are retired. Last year our gross income was about {$91000.00}. ( We were retired for all of last year. ) 3. ) My wife 's application was approved immediately upon submission. My application was not immediately approved. ( My wife mistakenly put down her monthly income ( {$6300.00} ) instead of her yearly income on the application form. Bank of America, nonetheless, issued her a credit card with a limit of {$9800.00}. ) 4. ) On XX/XX/2023, I received a call on my home phone from someone claiming to be from Bank of America. She asked me my name, and then said that she had a list of questions that I needed to answer with regard to my credit application. I stated that I had no way of knowing whether she represented Bank of America or not. She was either unable or unwilling to provide proof that she represented Bank of America. She insisted that I begin to provide personal data. I refused, explaining that I did not provide personal information over the phone unless I am sure of the identity of the other party. She did not respond. In particular, she did not offer to send a letter nor did she offer a call-back number. Because I could not verify her identity, I ended the phone conversation. 5. ) On XX/XX/2023, I went to my local branch of Bank of America. They checked on the status of my application and informed me that my application for a credit card had been denied on XX/XX/2023. From my local Bank of America office, I called the credit card services division. They informed me that the decision could not be reversed but that I was welcome to reapply. The problem, of course, is that their refusal to issue me a credit card will adversely affect my credit score as will the act of making a second application. Moreover, the Bank of America representative with whom I spoke on the phone on XX/XX/XXXX could not guarantee that I would not be called again to provide personal information -- assuming that the first call was a Bank of America employee -- something that was never made clear. 6a. ) I have provided proof that I was treated differently from my wife, although our credit histories are in every material way identical and have been identical for many years. 6b. ) I have shown that there was no rational reason for denying my application. 6c. ) Assuming that the call that I received on XX/XX/2023 was from Bank of America, I have suffered harm from Bank of America 's unreasonable policy of demanding personal information over the phone without providing reasonable identification. In particular, Bank of America 's unreasonable policies and decisions will/have already adversely affected my credit score. 6d. ) My refusal to provide personal information over the phone to the caller without reasonable assurance of the caller 's identity was reasonable. I would have been negligent to do otherwise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12203
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
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: XXXX 2020 was notified by Bank of America there was a charge on my CC I didn't recognize, I called the bank then was told to call XXXX XXXX XXXX XXXX XXXX said they didn't see any charge of {$58.00} so I was told to call BOA. I then called BOA to dispute the {$58.00} but instead of putting a dispute on the {$58.00} they also put a dispute on a charge I had made for {$16000.00}. Unaware that BOA ended up double charging me for the {$16000.00}, I cancelled my order with XXXX XXXX not realizing what BOA had done. Well, not sure exactly what happened but it took a hole year for BOA to reverse the double charge, plus some of interest and late fees after I wrote a letter to the bank. I have proof I have spoken to over 40 boa reps and supervisor to settle this matter. But, what does boa do, they sent my account to a collection agency without giving me notice. I tried to work with the agencies that were handling the problem but I just got the run around. BOA, is stating I owe {$6500.00}, but I have proof the amount they owe me {$7500.00}. When I have written a certified letter to both collection agency to show me proof that several chargebacks were returned to my account, I got 6 years of statements. The odd thing is the statements had two different balances on 7 months. Now, BOA served me with civil court papers and I had to pay {$220.00} to answer the compliant. I have over 100 pieces of evidence to show how bad I have been treated. I just printed out my credit statement and all of my accounts state Never late exceptional payment history except the BOA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A