Date Received: 2023-04-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have applied for a used car loan for dealership at XXXX XXXX located in XXXX, LA. There were 7 creditors that have made hard inquiries to my XXXX credit report, and they refused to remove them when XXXX XXXX took over for my car loan. By Federal Law, Credit Bureau Agencies I was told by XXXX can not honor request by consumer. The hard inquiries prevented me from applying for a credit card XXXX XXXX XXXX XXXX XXXX. XXXX, LA. XXXX XXXX The following companies made credit inquiries on my report that have no financial activities on my report and should be removed : XXXX. XXXX XXXX XXXX. Bank of America XXXX. XXXX XXXXk XXXX. XXXX XXXX XXXX XXXX XXXX. Second Credit check was done by XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 701XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My house has been sold and the Amount deposited on my Account bank of America ( Attached Transaction Statement {>= $1,000,000} ) it is landed in my account on the XXXX XX/XX/2023 in addition to my original amount which already inside the bank {$29000.00} ( statement attached ). After selling the house I traveled to XXXX XXXX because I have intention to buy house and living with My niece ( her name already registered in my account as a beneficiary ) so we made the first transfer {$500000.00} which was on XXXX XXXX ( attached transaction statement ) and it is landed in her bank account XXXX XXXX on the next day XXXX XX/XX/2023. the rest amount in Bank of America was XXXX, XXXX and I intend to make another transfer to my niece bank account XXXX in United States, two times Attempts of transfer with no success ( attached 2 online transfer requests of {$500000.00} which has been canceled ( No. XXXX on XXXX XX/XX/2023 & XXXX XXXX XXXX XX/XX/2023 ) this transfer after cancelation should be return back to my account automatically!!!! but what is happened is the bank locked my account and requested me to call the customer service and I can not access my online banking for one month, many times after XXXX XX/XX/2023 I tried to speak with them to solve the problem but with no success saying they could not verify me and they will send me XXXX mail for verification and after receiving this mail they can assist ( calls recorded ), I did not receive any mail during this time, so I called them again on XXXX XX/XX/2023 and they pushed my back from one to one and after giving them all the requested information I can login my online banking on XXXX XX/XX/2023, but it was big shock when I discovered my balance with a huge shortage amount, it is supposed to be as I left it last time XXXX, but the amount was only {$380000.00}, the shortage amount now is {$230000.00}. There were XXXX with drawer by XXXX XXXX which I never has any idea about!!! ( {$500.00}, {$900.00}, {$800.00}, {$800.00}, $ ) XXXX = {$3000.00}. There were XXXX drawer by XXXX XXXX, which I never has any idea about ( XXXX + XXXX XXXX XXXX ) = {$100000.00}. There were two Withdral by XXXX ( XXXX + XXXX ) = {$1000.00} There was one Withdrawal by XXXX {$500.00} Costumer service transferred me with claims office and they sent me the last statements during the month which I never can access my online banking ( statements attached ) please treat this as priority because there is Fraud on my account and I am requesting urgent investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/XXXX I applied for an XXXX XXXX XXXX XXXX offered through Bank of America. At the time, the promotion I clicked on was XXXX bonus miles, {$100.00} statement credit and {$120.00} companion fare, I was just required to spend {$3000.00} in the first 90 days. ( screenshot attached ) Having received no response, on XX/XX/XXXX I called in and the rep said that they were just waiting on me to verify some information and they just hadn't reached out yet. She helped me finish the application and approved it at that time. This account shows in my Bank of America with an opening date of XX/XX/XXXX. When I got the card and details, it showed the promo to be the new promo which is only XXXX miles, no statement credit and then the {$120.00} companion fare. ( copy of promo they sent in the letter attached ) I immediately reached out to the service center and was told that the XXXX was the " current promotion that began on XX/XX/XXXX ''. When I stated that was not what I applied under the terms of and that the paperwork I got verified the initial application was done on XX/XX/XXXX based on the day they show they pulled the credit score ( attached ), he initially tried to tell me that the XXXX miles was a better deal anyway because I " only had to spend {$2000.00} not {$3000.00} in 90 days to qualify ''. He then indicated that he needed to send it to the research team and that they would send me a copy of the application showing what those terms were. He assured me that if it showed the XXXX that I had applied under the terms of, that Bank of America would resolve this. In a letter that I received yesterday ( attached ), dated XX/XX/XXXX, Bank of America responded stating " Unfortunately we don't have a copy of the credit card application you requested. We show that you submitted your application on XX/XX/XXXX, but don't have a copy of it because you applied by phone or online. Thank you for being our client. '' I reached out the call center again today and was told that there was nothing further that could be done, that even though she was aware that I indeed applied for the XXXX promotion based on my application date, that she nor anyone above her could manually award those points or offer that statement credit to me. I asked repeatedly to speak to a supervisor and in the end she stated that they are only a call center that works with Bank of America, not even actual Bank of America staff. I then went into the branch to get this resolved, explained the whole situation above and was told that they can not see the application and do not have any authority when it comes to the promotions that are attached to certain credit card offers. They actually tried to suggest that I call the servicing center and I explained that was exactly who couldn't do anything either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XXXX or 2023 a checking account was fraudulently opened to Bank of America with my information. I immediately had it closed and took their advice to have my information with XXXX " frozen '' as a way to prevent this from happening again in future. Unfortunately, I have continued to have multiple accounts opened under my information even though my information is frozen with XXXX and can not be accessed by BOA. It would seem they are opening up accounts without following their own controls and not in compliance with federal financial regulations. Please help me understand why this is happening, what can be done to stop this, and quite frankly if any laws have been broken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20170
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am writing in regards to my Bank of America account, I have made all my payments on time upon making my last payment which bought my account down to XXXX. I was then billed for interest which I was under the impression that my account was a XXXX balance and therefore didn't even check on my account. When I was put on notice that the account is past due I paid it right away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with then Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit card under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX my Bank of America checking account was hijacked/hacked by an unknown individual with my personal account details. They accessed my account and wired out {$8100.00} USD. I reached out to Bank of America when I took notice of this to put a stop to this and reclaim my personal account details, which was less than 5 hours from when this cyberattack happened. The agent informed me that the fraudulent wire was in transit and that I need to open a claim. I opened this claim on XX/XX/XXXX and filed a police report on XX/XX/XXXX. I called Bank of Americas claims XXXX number and spoke with an agent on XX/XX/XXXX to give them the case number of the police report and the name of the officer. When speaking with the agent she informed me that they have personal details of who hacked my account along with their receiving bank and explicitly said that Bank of America has reversed the wire and that I will received my funds back by XX/XX/XXXX. I received a notice on XX/XX/XXXX that Bank of America will not disbursement my funds. I called their claims XXXX line to speak with an agent and she has to document more details, as she states that the investigators did not document that my account was accessed by a device not normal to to my account history. I have given Bank of America all that they have asked of me to resolve this and have still not received my funds that was fraudulently wired out and they caught and reversed. They are holding my funds and have mismanaged my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent money via wire transfer from my bank ( XXXX XXXX ) to what I thought was the title company at Bank of America. I recieved a call from Bank of America wire fraud department that same evening to verify the wire. I explained that I was purchasing a house. The Bank of America representative that initiated the call to me said that this was a new personal account and not a title company so she was going to cancel the wire and close the personal bank account because it was fraud. She told me to call me bank to have them request my money back. I called my Bank XXXX XXXX first thing the next morning and told them what happened. The person I spoke with at XXXX XXXX filed XXXX requests to Bank of America before they recieved a reply. The reply from Bank of America was that my bank needed to sign a XXXX which released any liabilty from Bank of America and transfers it to XXXX Bank. Since XXXX didn't do anything wrong they are unwilling to sign the form. I contacted Bank of America via email asking if I can sign the form to which they responded and I have to go thru my bank. At this point it's been over 7 months and I just want to get my money back that Bank of America is holding. Below are the requests that XXXX sent to Bank of America : Confirmation IMAD # for this first request to return is : XXXX on XXXX Confirmation IMAD # for this second request is : XXXX on XXXX Confirmation IMAD # for this third request is XXXX on XXXX Confirmation IMAD # for this fourth request is XXXX on XXXX The amount of the wire sent was {$66000.00} on XX/XX/. It was sent to Bank of America routing # XXXX, recipient XXXX XXXX, Credit account number XXXX. It was sent from XXXX XXXX account number XXXX. Please please help me! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 890XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My family sold a home and the buyer took back XXXX XXXX dollars and put it back in escrow. And my mom the seller recently passed but funds were left to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I am a victim of identity theft and I have sent all supporting documents to Bank of America and they have one of my claims pending over a year
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A