Date Received: 2024-02-28
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: BOA 's regulatory complaints department call and left an inaudible message as a feigned attempt to resolve a previously submitted CFPB complaint. The message is not audible. They did not send an email so there is no way to reply to the call. I called and emailed to try to get the information but have been stone walled. BOA refused to send me a proof of payment letter for XX/XX/XXXX {$120.00} payment to XXXX. Instead they faxed me some nonsense that does not expressly verify proof of payment and now they refuse to audibly communicate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These following companies pulled my credit, I do not recognize them, please remove these inquiries off my credit report 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92203
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-29
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I made a claim with BofA about 10 days ago. I explained what happened just after it occurred only to find out the notes the wrote weren't even close to the occurrences I reported to them. The claim want filled correctly and I was talked to like I was an XXXX when they didn't even file the report according to what happened. I'm I'm beyond frustrated and can't believe how I've been treated. I knew the account has funds so I went to a BofA ATM and did Withdrawl. My boyfriend, who was my fiance at this point and was involved in ever aspect of my life and finances was with me. So he knew I had money in the account. When we returned home he started a fight with me which turned extremely physical resulting in him breaking my nose and leaving with my car. My purse was inside. He then made a transfer to another account of mine of which I lost the card for weeks ago but did put a spot on it or report it because I figured it had to be in my house somewhere. Then I remembered I had given it to him to get gas and he never gave it back to me but this is my fiance so no big deal right? I'm now learning how malicious he has been. He had that card, then found out my BofA card had money in it, stole my car and purse and proceeded to drain my account in doing a {$1000.00} transfer to that account and purchasing several things on my BofA card. I had made purchases on XXXX that went through the day of or the day after that I told BofA were legit. But I told them which ones weren't and was very clear about this. The police ended up recovering my now damage car and took him to jail. I have had 0 contact with him and never will again but the damage is done. I informed BofA that I I was not in possession of that card and they wrote in their notes that I was simply because I got the card back when my car was recovered. They wrote the report completely inaccurately cause my claim to be denied!!! The rep today tried telling me there was nothing more they could do and talked to me like I was a complete XXXX. I'm so done with bank of America!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 959XX
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing this complaint to CFPB because you are the entity that is supposed to make these institutions follow the law. you have to hold therm to account and make them treat federally protected consumers according to the law. XXXX XXXX is violating so many different laws. Here is just a few : Debt Validation Pursuant to 12 CFR 1006.34C FDCPA 1006.30a 15 USC 1681b2 Aggravated Identity Theft pursuant to 18 U.S.C. 1028A 15 USC 1692c ( c ) 15 U.S. Code 1681s2 15 USC 1681 s-2 and i could go on and on. The point is that CFPB you need to make it to where these institutions know that if they break the law that its gon na hurt whether financially or by putting them in prison.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Well i was applying for a SBA loan i have my LLC and EIN number and they shot me down saying. We didnt let the score be the reason why i was denied Credit. And i have an insufficient personal credit files And how can i get any if banks like them never give a chance one even wrote try paying your bills and that shouldn't be for your kind where yall get these people from very petty. Smh
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I have received your initial response to confirm that I did in fact file the complaint with the CFPB and, YES, I XXXX XXXX did file a complaint regarding the issues and circumstances that are mentioned. The claims were not given a proper investigation and definitely can not be called " Reasonable effort ''. The claims department obviously is still using the Automated Fraud Filter that was found to by the CFPB to be an " unfair act or practice '' and is a violation of Sections 1031 and 1036 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U S.C. Subsection 553 ( a ) and ( c ), 5536 ( a ) ( 1 ) ( B ) ; ( 2 ) Bank of America Claims Department FAILED to conduct reasonable investigations of my XXXX XXXX benefit prepaid card claim and the Notice of Error is in violation of Sections 908 and 909 of the Electronic Funds Transfer Act ( EFTAO ), 15 U.S.C. 1693f and Section 1005.11 of Regulation E. The practices used to determine the validity of my claims which was deemed an " Abusive Act ''. The reason I was unable to advise Bank of America sooner is due to the fact I was impeded by being given untrue information regarding my account status and it took over a XXXX XXXX XXXX to finally gain access to my account after physically going into the local branch to verify my identity not XXXX or XXXX but on XXXX separate occasions and XXXX of those visits were on the SAME DAY! At that point I learned of the status of my account and filed my claim immediately after my review of the transactions. This Impediment is in violation of Sections 1031 and 1036 of the CFPA, 12 U S.C. Subsection 5531 ( a ) and ( c ), 5536 ( a ) ( 1 ) ( B ). As a " Affected Consumer " I fall under the protections of the ORDER that was executed on XX/XX/XXXX by the CFPB that has jurisdiction over this matter under Sections 1053 and 1055 of the CFPA, 12 U.S.C. Subsection 5563, and Section 918 ( a ) ( 5 ) of EFTA, 15 U.S.C. Subsection 1693o ( a ) ( 5 ). Due to the fact my account was froze or blocked. The consequential harm I have suffered due to the incorrect determination that no errors had occurred based solely on the results of Bank of Americas Fraud Filter. I am certain that the Error Resolution Investigation procedures and practices REQUIRED of financial institutions as described in 12 C.F.R. Subsection 1005.11 were not followed in accordance with that policy. As it is the duty of this financial institution to investigate unauthorized EFT transactions Under EFTA, upon receiving notice of error, financial institutions may not determine NO ERROR had occurred without conducting a " good faith investigation of the alleged error '' and without " a reasonable basis for believing that the consumer 's account was not in error. '' 15 U S.C. Subsection 1693f ( e ). Further, under Regulation E, when conducting an Error Resolution Investigation, a financial institution must conduct, at minimum, a " review of its own records regarding [ the ] alleged error. '' 12 C.F.R. Subsection 1005.11 ( c ) ( 4 ), and the Error Resolution Investigation '' must be reasonable, '' 71 Fed. Reg 1638, 1654 ( XXXX XXXX XXXX ). The term " Good Faith Investigation '' has been overlooked in my claims, obviously, because the number of transactions and the amount of claim ( s ) we are reviewing is very lengthy and numerous cards were issued and the transactions were spread out over as MANY as XXXX XXXX XXXX XXXX states, to reference Arizona, Nevada, California, and possibly more. The time it would take to give a claim of that size a Good Faith Investigation, I would say a minimum of XXXX weeks possibly XXXX if I wanted to be SURE and FAIR. And upon filing my claims I was told that the actual claim investigation department probably would not receive the claim for at least XXXX to XXXX businesses days. So with that knowledge, how was the reconsideration of my claims filed on XX/XX/XXXX and then just XXXX ( XXXX ) days later DENIED on XX/XX/XXXX??? That XXXX simple fact, dated and completed by Bank of America, helps validate and provide significant evidence of the deliberate and willfully disregarded policies that are instituted by our Government and Governing Bureaus to maintain a procedural due process of law ensuring each citizen of our Great Country FAIR and HONEST treatment in our financial process. The negligence to conduct a investigation and determine that NO ERROR OCCURRED is a show of Abuse and Unprofessional. During my research I discovered that Bank of America, upon filing a claim of fraud, would send out a fraud packet consisting of an Affidavit in which the claimant declared under penalty of perjury that they had no knowledge of nor benefitted, from any unauthorized transactions, regarding the claim. The claimant was required to fill it out and return it within a set period disclosed by representative who initiated the claim. I was NEVER advised of this unspoken requirement, however, concerning Regulation E and provisional credit it's a stipulation. So I took it up on myself to find an Affidavit of Fraud and completed it to the best of my ability, under penalty of perjury, and submitted, via fax, when i requested the claims be reconsidered on XX/XX/XXXX along with other documents supporting my claims. As Bank of America has provided the protection of the XXXX Liability Guarantee found in the cardholder agreement, it's plainly stated that XXXX cardholder will incur NO LIABILITY for UNAUTHORIZED TRANSACTIONS up to the amount of the Unauthorized Transactions, provided the cardholder notify Bank of America within a Reasonable amount of time. Yet the disconnections and excessively long wait and inaccurate information provided when I was able to speak to a representative, I wasn't able to inquire about my account until my verification was done, yet first I I was referred back to XXXX as Bank of America advised me that in fact they were responsible for the blocked account and they would have to verify my identity first and then XXXX would forward the verification to Bank of America and I was required to verify through the bank as well. Impossible and I believe intended to evade the XXXX XXXX XXXX. The unavailable harm caused by the extensive hold times, dropped calls, and the misinformation and intentional misdirected information implying that XXXX initiated the account be frozen, which was NOT the XXXX order at all. It is evident that my claims were not processed nor properly investigated and as a direct result of this financial institutions intentional disregard for the required due process of law that I have been forced to suffer undue hardships and the loss of ALL my XXXX benefits as a direct result of the failure of this financial institution to follow the guidelines set forth by the CFPB. As a result Bank of America has engaged in unfair acts or practices, in violation of Sections 1031 and 1036 of the CFPA. 12 U.S.C. Subsection 5531 ( a ) and ( c ), 5536 ( a ) ( 1 ) ( B ). To further the placement of Liability regarding my claims allow me to remind you of a Executive Order from President Obama, on XX/XX/XXXX titled " Improving the Security of Consumer Financial Transactions '' in paragraph " ( c ) The Secretary of the Treasury shall take necessary steps to ensure that XXXX XXXX prepaid debit cards for administering Government benefits have enhanced security features, and by XX/XX/XXXX, the Department of the Treasury shall develop a plan for the replacement of XXXX XXXX prepaid debit cards without enhanced security features. '' This was a Presidential Executive Order published roughly XXXX years prior to the date Bank of America decided to begin using the XXXX chip security standards on the XXXX benefits card, yet ALL other accounts handled by Bank of America were in compliance with the order, again, deliberately neglected to secure the accounts and left them a target for fraudulent transactions from a lack of security standards. This is against the compliance orders provided to U.S. financial institutions. In support of the order, the XXXX XXXX XXXX clearly outlined the " XXXX and Credit Card Liability '' asserting that " During the transition, major financial institutions that dont provide chip-enabled cards to their cardholders remain accountable for fraudulent purchases. According to XXXX XXXX, a technology and business reporter for XXXX XXXX XXXX XXXX XXXX, Transactions still can be performed using the old card technology after the transition, but banks will be liable for any payment fraud if they do not issue a card containing a smart chip, and merchants will be liable if their teller machines do not accept the chip cards. Further stating " Government-based purchasing and benefits cards are also shifting to chip-enabled cards. In late XXXX, President Obama signed an executive order requiring that this technology be used in all government-issued credit and debit cards. The XXXX initiative requires the use of chip-and-PIN security on government-issued cards through the General Services Administration. '' Bank of America was aware yet made a conscious decision to use a less secure card for Government benefits and in doing this, knowingly and deliberately disregarded the current Minimum Requirement of Security Standards of the XXXX chip and as a financial institution of its capacity and legal advisors surely knew the grounds and protocols if such a unsecure card was used, and knowing that, " the issuing bank IS LIABLE '' it should be understood as well that Bank of America was prepared to take full accountability and responsibility of issues involving unauthorized transactions. With the decision to use outdated and unsecure debit cards is clear that they fully understood the liability their decision. I apologize for the length of this, however, i could continue to outline the many other issues supporting my claim but I feel this is enough to influence the decision and result in a decision in my favor and funds credited to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the fair credit reporting act 15 1681 section 602 states ( There is a need to insure the consumer 's reporting agencies exercise that gave reasonably with fairness, impartiality, in a respect for the consumer 's right to privacy ) XXXX, XXXX, XXXX which are consumer reporting agencies and they violated my rights as a customer. The CRA is in violation of 15 USC 1666 B timing of payments ( a creditors may not treat a payment on a credit card payment account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 B of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.Also 15 USC 1681 ( a ) reporting containing information solely as to transactions or experiences between the consumer and the person making the report ; The CRA 's is reporting bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to 15 USC 1681s-2 ( a ) ( 1 ) states ( a person shall not furnish any information relating to a customer to any customer reporting agencies if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX, XXXX shall maintain reasonable procedures designed to avoid violations of section 1681c and to limit the furnishings of consumer reports to the purposes listed under section 1681B. In conclusion 12 CFR section 1016.7 states that ( a consumer my exercise the right to opt out at any time. ) and I'm exercising my right to opt out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48111
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I have had an account with Bank of America ( henceforth, BoA ) for over 15 years, and on Friday, XX/XX/XXXX, They removed over XXXX XXXX dollars from my account and completely drained it to XXXX, with the charge code " Legal Order - LTS ''. I immediately reached out to BoA to rectify the issue, as I have had no legal cases or judgements against me at any point in my life. Upon reaching BoA 's Customer Service, the person assisting us informed me that there was a legal order requesting a bank levy against a person with my name - However, this person is not me and the SSN associated with the request is not my SSN. When I asked for more clarity, they informed me that the charge was in fact made in error, and that it should be removed within " 3-5 business days ''. In addition, the bank also charged me a fee for processing this erroneous legal order, when it was their mistake. I find this unacceptable, as not only have I had several recurring charges that go to this account get declined or bounce back, I have been unable to pay for my daily necessities, such as food, travel to my place of work, and this issue would preclude me from paying rent, thus launching me into financial precarity through no fault of my own. On Monday,XX/XX/XXXX, I called the customer service line for BoA, and they informed me that I needed to contact the original creditor to prove it was not me. When I contacted the creditor, they informed me that they could give me no information, because I do not have an account/case with them, because it is not my debt. I then reached out to BoA and was told to contact a lawyer and then repeatedly hung up on. I work a XXXX, so I am not able to spend hours on the phone with the Bank to resolve an error that they caused and have shown absolutely no interest in resolving. If necessary, I can attach letters proving that the judgment is not for me, as well as attesting that the SSN on my account does not match the SSN for the judgement and that the Judgement 's SSN has never been associated with my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11103
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: There are transactions for withdrawals that were declined but show as if they were made. Then there were multiple transactions made from XXXX that I never made. I asked for all my past statements so I can look through them and found these discrepancies I didnt see until now. I filed claims with boa prepaid claims dept and am waiting for them to honor their XXXX fault policy to refund me from my loss. They had already put me through alot. Freezing my accounts making me verify who I was. They have footage to prove these transactions were not made and should be more helpful their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94134
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/XXXX, I accidentally made 2 payments to my credit card account. One in the amount of XXXX and another in XXXX. However, until now, I still do not have any available credit to use, even though I already overpaid, which means that it is my own money. I called them twice, and the information I got from them was extremely inconsistent. One said that it only takes two business days to process my payment, but I'm still having a {$0.00} credit limit now. Another said that my payment is going through the verification process which can take up to 10 days. This means that I will not be able to use my fund for 10 days. I am totally disappointed by boa, especially when then security deposit of my previous card still haven't been returned to me after I closed it 3 month ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A