Date Received: 2023-05-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a notice in the mail ( dated XX/XX/XXXX ) that a Bank of America Visa account I have had for many years was due for an annual payment I wasn't previously aware of. I had tendered one such payment in XXXX, but BofA had apparently doubled payment cycles for the card ; one reason I hadn't noticed the additional billing statement was that I didn't possess a physical card any longer. So after promptly calling BofA to pay the outstanding bill, I asked to speak to a customer service representative to get a replacement card. That representative told me that it wasn't possible to do so, since the account had been " closed '' as of XX/XX/XXXX. I had received no notification of such closure -- it's also exceedingly difficult to understand why BofA would send out a notice requesting payment of an annual fee on a letterhead dating one week later on an account they had already closed. When I asked for an explanation for the account 's closure, I was told that such information was " locked. '' I then asked to speak to the representative 's supervisor, who only told me that BofA reserves the right to close any account for any reason, and that he could not give me any additional information about the account 's closure. He insisted that the Bank had sent me the closure notice on XX/XX/XXXX, but could not explain why the Bank would be notifying me that the fee was due in a letter dated a week later if that was indeed the case. I no longer want the BofA 's Visa card or to support this flagrantly deceptive enterprise in any fashion, but I do want this Kafka-esque treatment of customers acting in good faith to remedy outstanding payments to be appropriately investigated and punished. The issuance of credit cards by this monopoly bank is closer to extortion than anything resembling genuine customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20902
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. BK OF AMER Account Number : XXXX ( XXXX ) Account Number : XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ( XXXX ) Below a re the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show XXXX, XXXX, Bank of America, and XXXX are all in direct violation. These credit bureaus and creditors are also in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX, and the attorney general as well. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. Neither Bank of America nor XXXX can supply this information, yet proceed with the continuous reporting of these fraudulent accounts ; directly violating my rights as a consumer that I am entitled to per the FCRA. In accordance with FCRA Section 623 ( 5 ) ( A ), it is an illegal act to " re-age '' any debt, and Bank of America has quite literally continued to update the age and date on this account ; a direct cause of the repeated drop in my credit score. I have supplied the necessary documentation proving this account isn't mine and is the result of identity theft, and XXXX and Bank of America continue to avoid accountability and allow my rights as detailed in the FRCA to be violated. I will not tolerate further disrespect for my rights as a consumer in this country. This account needs to be removed IMMEDIATELY. I have attached documentation XXXX deems " required '' to block fraudulent information, to this complaint. I have previously supplied this information numerous times, and XXXX, even while complying with their documentation requests, continuously refuses to comply. This is a blatant disrespect for the law, as well as my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
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: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: RE : ACCOUNT NO. XXXX I am requesting a OCC complaint and a regulator who is not solely assigned to the Bank of America. Due to the many underlying factors concerning the Original Loan and Subsequent Additional Unauthorized Escrow and Insurance charges. Basically, I believe Bank of America has discriminated against and continuously violates rights. This request is to first inquire regarding my eligibility to refinance my original loan principal. Due to the fact, I have never missed a single principal loan payment and have approximately XXXX equity in my property/home. I was advised starting in XXXX, I should try to apply for a loan modification. Although, I did inquire about refinancing my original loan principle. I was never given any response. Therefore, starting in XXXX, I starting the Loan trial process. The original loan modification and new loan Modification monthly payment jumped from XXXX to approx XXXX ; I paid that for a 3-month period and suddenly received a notice that the original loan mod amount of XXXX was incorrect. I have copies of the XXXX coupons and a letter saying that the original amount was approved. Then they switched loan mod amounts and raise to another even higher amount of approx XXXX. Which, although i told them ... .I can not afford that extraordinarily higher 4x larger than the original payment. They do not care or listen. Therefore, my Banking Case managers mailed me a loan modification which makes fundamental harmful changes that could cause me further damages and additional already undue stress. One of the biggest issues is that the original loan did not have Escrow or Insurance included. The new XXXX payment has both been included. Even though I supplied the bank with my own personal payments to the XXXX XXXX XXXX office for my XXXX property taxes.
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: 2023-05-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
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: This is a follow up for closed complaint # XXXX New evidence has been publicized affirming XXXX XXXX predatory practices regarding luggage charges. Request full refund of {$99.00} for these charges from credit card Bank of America which sided with XXXX XXXX and refused give credit. Details : XXXX XXXX charged for luggage that complies and meets XXXX 's luggage policies and fits under the seat. On XX/XX/ a charge of {$99.00} was made for a bag that complies with policy as stated above in a last minute boarding the airplane. Employee denied boarding the airplane if this fee of {$99.00} was not paid. As the boarding was rushed, it appears the bag got snagged on the verification box at the gate and immediately the employee sent my wife to the counter without say in a disrespectful manner to pay. The employee at the counter was in the same mood and no option do dialogue and fix the situation. XXXX claims I boarded the airplane and that I paid for services that were rendered. Its very dishonest to charge customers for services not provided since the luggage meets their policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Check deposits not available funds availability act violations. Check 21 violations
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a credit card with Bank of America. In XXXX of XXXX, I mistakenly made 2 payments to my credit card. I called the bank and asked them to reverse the second payment. It took the bank 3 months to reverse the payment. In the meantime, my credit card statements in XXXX and XXXX were negative ( because of the XXXX overpayment ). In XXXX, when the XXXX XXXX payment made in error was finally reversed, it was backdated to XXXX ( per the bank, as if that 2nd payment made in error in XXXX had never happened ), and because of that, the bank is now arguing that I missed the XXXX and XXXX payments, even though they acknowledge that those two statements were negative, and that there was no payment for me to make in XXXX or XXXX. Without notice, they closed my account, sent me to their collections department, and reported me to the credit bureau. My credit score has dropped by XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX of last year my Bank of America savings account was compromised by fraud. This was a retirement savings account and I had very little activity on my part. An occasional withdrawal for taxes or something. I was notified that they were going to start charging me because of excessive activity that month. I looked at my account and saw that several XXXX transfers were made, cash withdrawals and online bank transfers were made. None of theses were mine. I have spent hours and hours on the phone with BoA. I contacted the Washington State Attorney General and they were involved. After 9 months I finally received what BoA considered to be the last of the monies paid back to me. My problem is {$2500.00} is still owed me. In the accounting they did two charge backs on the account. They should have only done one and I am short {$2500.00}. Ive spoken to several people on the fraud phone line and went over it with them. I was told they would report it to their supervisor and the {$2500.00} check would be sent to me in 10 days. I keep waiting and nothing. According to my account statement its clear what my beginning balance was. With the four checks I have received totaling {$22000.00} I am still missing {$2500.00}. That is the charge back money that they still owe me. They consider the case closed because the stolen money was paid back. The other {$2500.00} is an accounting error on their part and they refuse to address it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98837
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had for XXXX years XXXX bank accounts with Bank Of America. XXXX checkings and XXXX savings. My account were hacked using the XXXX XXXX which have my bank debit card id. On XX/XX/XXXX of XXXX the following non authorize transactions were removed by XXXX XXXX {$4900.00} {$1900.00} {$7500.00} from XXXX checking account. Also {$7500.00} from a second checking account. I immediately notified the bank and they closed all XXXX accounts. stop my debit card and re-issued me XXXX new accounts. XXXX checkings and a new savings account. they told me they will start an investigation. to follow the money?. After I waited patiently for a determination I was told today my claim was denied. Over the phone, not by mail. Bank of America refused to provide me with provisionary credit until the claim was under investigation. I feel now like a criminal instead of a victim of fraud and I feel the bank is mistreating me after XXXX XXXXears of services, maybe because I am a woman, a XXXX, and a senior. I want a further investigation and find out where my money is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11729
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My account was falsely accused of suspicious activity and has currently been frozen for 16 days and counting ( Start date XX/XX/23 ). Having called the bank on. XX/XX/23 after realizing the account was not able to be used for anything. I was told the account in question was under investigation and would have a resolution within XXXX days. While the funds in the account are secondary to everything, since this false accusation was started I have been unable to send/receive anything in relation to the account. Today ( XX/XX/23 ), I began the process of calling the bank for a resolution and was told the account was still in question/investigation and now it would take up to 90 days to receive results. As I stated I would like to just close the account entirely, I was told that can not happen until the investigation was through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Fund 's not available in account. Check not available 21 act violations. Expedited funds act violations
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A