Date Received: 2024-01-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My report obtained on XXXX through XXXX shows account abuse reported by Bank of Americ on XXXX I did not engage in account abuse, the allegation is incorrect. I called XXXX to dispute and was informed their dispute process is determined by the financial institution and if Bank of America interprets account activity as abuse, even if it does so inaccurately, they will continue to leave it on my report. I spoke with many people at Bank of America in various departments such as fraud, recovery and the risc department and they all informed me that they will not accept disputes for information they report to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My card was duplicated to make fraudulent transactions, bank of America refuses to believe me or to refund me my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These two accounts appear on my XXXX Report and they do not belong to me. XXXX Bank of America - XXXX account opened XX/XX/23 current balance {$2000.00} - XXXX XXXX XXXX XXXX XXXXXXXX account opened XX/XX/XXXX XXXX balance {$2400.00} there are also two addresses on the report that do not belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My account was fraudulently used to make a transaction in the amount of {$1600.00} on XX/XX/year>. I reported this and the dispute was denied even with a police report and identity theft report attached to the case. I have been compliant and sent in numerous documents to support the claim as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: I rented a car from enterprise for XXXX weeks or so, my credit card is a secured credit card that i opened with XXXX dollars which means i can only spend XXXX at once. For that reason instead of paying it monthly i have to pay the car weekly. I payed everything to enterprise in small weekly payments how ive always done but this time i got a XXXX charge from enterprise rent a car ( XXXX ). bank of america left my card overdraw. I called XXXX to ask if they charged me twice by accident but they said everything was paid for. And they did not know why the bank was charging me that but that i have no debt with them. After that i called the bank and explained them the situation, I can not make a payment of XXXX because I only have XXXX in my card and the representative agreed with me it was very strange, they transfered me about 6 times to 6 different representatives, not any of them helped me, one of them even hanged up the phone after making me wait for 30 minutes. The last representative that i talked to told me the bank was investigating my case but its been weeks and still no answer from the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My account/card was used while I was on XXXX for the XXXX XXXX XXXX XXXX They used {$16000.00} within the span of a month. I reported this immediately to the company when I returned only for them to deny my dispute multiple times due to the amount. I sent supporting documentation as well as identity documents to verify that I was not at fault. Multiple agents who filed my claims even said verbatim " You should have your money back very soon these documents are the ones that will show the fraud team you did not do this ''. This card was loaded with my XXXX benefits I fought hard for from being in California. My family and I have been homeless living under the authority of others because we can not afford anything without this money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48198
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I filed a complaint with the Bureau about BOA credit card services ( Case # XXXX ). I am writing to express my deep dissatisfaction and frustration regarding the handling of my recent claim by a BOA representative named XXXX. XXXX from BOA reached out to me regarding my claim, assuring me not to worry about the interests incurred during the investigation. However, to my dismay, I have been charged at least {$130.00} by BOA, and I am concerned about additional charges that may have accrued during this month. Despite my multiple attempts to contact BOA through emails and calls, I have not received any response. The involvement of the Bureau has, unfortunately, had a negative impact on my case. The interests incurred have not been addressed as promised by XXXX, and it seems that BOA is prioritizing support for the vendor that went bankrupt over a loyal customer of over 30 years. I urge you to thoroughly investigate this claim and take immediate action to reverse the interest charges. It is disheartening to see such a lack of responsiveness from BOA, especially when dealing with a matter that directly affects a long-standing customer. I request your prompt attention to this issue so that I can proceed with closing all my BOA accounts. I appreciate your immediate attention to this matter and look forward to a swift resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX Scam in checking and saving accounts totaling XXXX. Claim : I sent money to one of my subleases ( XXXX XXXX ), who was supposed to take over my sublease in XXXX. However, the imposter claiming to be her claimed that she sent cheques to my apt building by accident as it was supposed to be delivered to her address. Thus, I sent multiple XXXX transactions to the request numbers. Out of all the transactions they were only able to recover {$3000.00} out of {$12000.00}. The representative that I contacted today stated that the only thing they can do is contact the recipient bank to get the accounts back, but banks have been refurbishing customers for imposter scams. I'm not sure where if they even have an option for refurbishments related to scams. Date of fraud reported : 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 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 XXXXXX/XX/XXXX : Research Completed : The claim was not approved and only partially refunded XX/XX/XXXX : Research Completed Claim was not approved and was unsuccessful in recovering funds XX/XX/XXXX : Research Completed, the claim was not approved and funds were not reeovered. XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank XX/XX/XXXX : XXXX was not approved but will attempt to reach out to the bank There is one more attachment but I was unable to view it in my email ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98109
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX I became aware of XXXX unauthorized transactions made from my XXXX account at a Bank of America branch in XXXX ( I live outside XXXX in XXXX XXXX and have never been to the city in XXXX where the transaction occured. ) The XXXX transactions consisted of 1. ( {$900.00} in cash withdrawl from savings ) and 2. ( XXXX fake checks being cashed for a combined total of ( {$1900.00} ) ; the checks were cashed but there was no real account so BOA withdrew the {$1900.00} from our account to cover the fraud check cash. The total of the fraud transactions made at the branch totaled {$2800.00}. Immediately upon learning of the transactions on XX/XX/XXXX, I contacted Bank of America to report the fraud and was told an investigation would be conducted and I would be notified of how this was able to occur within their branch ( I was alarmed someone was able to go in and make these transactions fraudulently and wold expect better security measures by Bank of America ). We were told they would immediately return the cash withdrawl of {$900.00}, but the fraudulently cashed checks of {$1900.00} could take up to 60 days to investigate and at that point would be returned. XXXX claims were initated ( XXXX for the cash withdrawl and XXXX for the checks ). On XX/XX/XXXX, we recevied two letters from Bank of America, one for each of the claims. Both letters stated the following : " Based on our research, we've determined that your claim can't be honored for the following reasons : -Our investigation of the claim determined that you/your client authorized the transaction. -The account owner 's identification was used to negotiate the check. The bank was not notified that your identification was lost or stolen. '' As a result, the bank refused to return the {$1900.00} that was taken from my account via check fraud, and also said the {$900.00} that had been returned to me from the cash withdrawl fraud on XXXX XXXX, XXXX would be reversed and pulled from out from my account on XX/XX/XXXX. My identification was never lost or stolen and I absolutely did not authorize either transaction. The name on the checks was mispelled and the endorsement signature on the back is not my signature. I immediately called the bank and was told the teller saw an ID, which again, was not mine and must be fake. I reminded the teller I live in XXXX state, have never been to that city or branch, have not lost my ID, and did not authorize either transaction, and furthermore have held my accounts with Bank of America for over 20 years and have never had any incident. I asked if they reviwed security tape footage, as it would clearly show the criminal comminting fraud was not me, of which the agent did not know the answer. The agent said they would open a ticket to ask for reconsideration which could take 60 more days!! I am requesting help in return of my funds that were removed by fraud. I'm appaled by the incompetent account security procedures and investigative process of Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to file a formal complaint against Bank of America regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 USC 6802 of the Gramm-Leach Bliley Act ( GLBA ) to opt out of such information sharing and I believe my privacy rights have been violated. On XX/XX/2023, I notified Bank of America that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non0verbal, for the sharing of my nonpublic personal information with non- affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. I provided this opt-out notice in accordance with the legal requirements outlined in 15 USC 6802 and I have retained documentation of my communication with the institution. Despite my explicit opt-out request and my clear assertion of my rights under the GLBA, I have reason to believe that Bank of America has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. This un-authorization sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this un-authorization sharing, including the potential for identity theft, fraud, or other financial harm. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that Bank of America complies with all federal regulations and laws, including the GLBA, to protect the privacy and information security of consumers like me. Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by Bank of America. Please feel free to contact me at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my privacy rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A