Date Received: 2023-04-22
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 would like to submit a complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding a fraudulent modeling opportunity that resulted in identity theft and a negative report on my early warning record. On XX/XX/XXXX, I received an email from scammers offering a modeling opportunity. Their email address was XXXX. After applying, they responded on the same day congratulating me on my acceptance and stating that they would send a pre-payment check. The check was sent on XX/XX/XXXX, and the scammers took a picture of the postal outside my door through SMS from their phone number XXXX. I deposited the check immediately, but my bank informed me that it was a fake/bad check. My account was closed permanently and reported to credit bureaus, which caused difficulty in opening new bank accounts due to early warning reports. I provided necessary documents to early warning credit bureau such as the police report, conversation with the scammers, email address, phone number, and FTC report to early warning via fax. These documents clearly indicate that I was a victim of identity theft and had no knowledge or involvement in any fraudulent activity. The scammers had access to my personal information such as my full name, address, phone number, Social Security number, and bank account details. This unfair report on my early warning record is affecting my ability to conduct financial transactions and obtain credit. I believe that this report was filed wrongly and unfairly, since I'm also new to the system and the country. I have provided all necessary evidence to support my case and request that the CFPB remove this report from my early warning record. Please contact me at ( XXXX ) and/or ( XXXX ) to discuss further and provide a resolution. Thank you for your attention to this matter. Sincerely, XXXX XXXX, XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a check from my job and told them that someone deposited it and then they called me and told me they closed my account for fraudulent reasons when I did nothing wrong and I just got money because they told me I won a prize. The agent was super rude to me and called me a liar and hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12601
Submitted Via: Web
Date Sent: 2023-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: With regard to case number XXXX, Bank of America made the investigation results without anyone contacting me to understand the matter. I firmly refuse to accept it. How do they investigate? What is the evidence? Why do you say I only deposit XXXX? I myself have never confirmed and agreed with what they said that I deposited XXXX, and I do not agree with the findings of the 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: 92404
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I've been temporarily locked out for over two years all because my prepaid card was arrived with a misspelled middle name everything else is correct but when I go to the bank they see that it's not meeting banks policy due to it not being an exact match tellers explained to me the can not grant Access until I get my edd sponsor to fix my info making it match or else they can not help me then they redirect me to protective care with there help all the did was fully authenticate me over the phone and then they help me to get my weeks of certifications to go into the bank knowing my name on my card prepaid was not a match they still went ahead and allowed to break there biggest number one policy rule that's supposed to protect the banks assets as well as the customer so my point is they broke policy to allow deposits from a customer edd benefits and then I heard the lady slip and say yeah we will just make these types of clients make them deposites only so then I find out that there cashing me out but there not and they saying that they get paid me out well if they did then that's a lie cause that then would mean they had to break the bank policy a second time because my prepaid card still has no match due to the bank of America edd pre paid account s still to this day has not allowed me even access to a simple request like a balance check so these are my major complaints that s going to hit the bank harder then the recking ball and harder then any other settlement seeking total of XXXX XXXX for sure no one gets to break there own policy to benefit themselves by conveniency so I ask to please make my complete complaint as well as to please forward to the civil claims court for reasons of negligence as total reckless disregard to health and safety due to not having a fair banking system or along with that big major nono fact the bank has finally done its self a favor by destroying there own by not being that bank we thought was for Americans I am born and raised in California and I've been totally torn down from the un professional manner that's led me to entering hardship after hard ship now pain and sufferings has to be brought to light and needs to be addressed and resolved soon because XXXX XXXX will and can go up to XXXX XXXX so with no further delay let 's correct Mr XXXX XXXX XXXX by fixing the card and sending him a brand-new card wth correct spelling so I to can utilize my account that's been made to break policy apparently bank has failed miserably and still has not made right with such a loyal customer account I ask to send it to the local civil court house to start the process unless bank wishes to out pay me to resolve this serious indictment. That's my major concern the sooner they offer me a hush money amount like what I asked. For for having no policy intact while conducting daily functions where policy should have been place in full affect for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Bank of america product error ( balance cash advance : 18month 0 interest loan ) complete and utter nightmare that is still not resolved I had no problem paying what was owed - my problem began when they gutted my accts repeatedly and gut shot everything in my life by doing so As far as I can tell a transformed into a 18 day loan with APR daily compounding interest rate of 374.0060 % seriously why would anyone do this and they are still arguing this would be sane ... ...... the math was about the following for the loan ultimately lasting 18 days they called in full APR : 374.0060 % Total Financial Charges : {$4300.00} Amount Financed : {$12000.00} Total Payments : {$16000.00} Total Loan : {$12000.00} Monthly Payment : {$16000.00} Total Interest : {$4300.00} Total Financing Fees : {$0.00} XX/XX/XXXX arranged a cash advance XXXX at 0 % interest for 18 months from Bank of america to my checking acct. XX/XX/XXXX BOA CS DIRECT DEP PPD ID : XXXX ACH credit {$12000.00} all fine and good until I notice they had a Auto pay for the full amount- I canceled it XX/XX/XXXX and it showed as canceled- I even paid XXXX to the from the loan I had just received. XX/XX/XXXX BANK OF AMERICA Payment XXXX TEL ID : XXXX ACH debit - {$16000.00} They then autopaid the entire loan and CC balance to themselves, this cause hardships, late fees for othger services - emergency cash advances to be taken to cover food heat etc. all while ignoring all communication and asking why they ahve done this. Threw my main checking into disarray and caused more issues XX/XX/XXXX BANK OF AMERICA Payment XXXX TEL ID : XXXX ACH debit - {$22000.00} they did it again - now with more fees! causing the same turmoil fees last minute struggles cashadvance requirements etc. yet again ignoring please as to why they turned a 18 month loan into 18 days - heard nothing XX/XX/XXXX BANK OF AMERICA Payment XXXX TEL ID : XXXX ACH debit - {$27000.00} closed accts and a decade plus of a clean acct has been thrown into utter disarray - Thanks BOA XXXX XXXX, XXXX- they have removed online access so I can't retrieve any information regarding any of this that I already haven't - thank fully I have screenshots and balance statements saved and downloaded all I could getting my bank to realize what was going on. XXXX XXXX, XXXX -pending XXXX XXXX XXXX XXXX : BANK OF AMERICA CO ENTRY DESCR : Payment SEC XXXX TEL IND ID : XXXX ORIG XXXX ACH debit - {$27000.00} this will be rejected be my bank s I am now wildly in the red - going to close acct there because I can't ahve this happen randomly - have begged both institutions my bank cant do anything since they have the routing and acct # - BOA is sending computer generated letters and ignoring my plea for someone humanb to look at the damn thing. They have cost me so much time and trouble just running back and forth I don't even have a clue what is real imagined interest by a computer system that took a 18 month loan and called it due in 18 days - seriously they don't offer that product as far as I'm aware. salt in the wound they charged me well over XXXX $ for a loan that lasted half a month complete and utter nightmare that is still not resolved I had no problem paying what was owed - my problem began when they gutted my accts repeatedly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I noticed that a savings account with minimal money I haven't used in years was charged over {$3000.00}, putting it in the negative. I called the bank ( Bank of America ) to tell them this is a fraudulent transaction, but I the fraud associate said they couldn't see any record of an attempted transaction and did not advise me to do anything. Two days later I see the same charge processing. I call the bank and tell them why was this allowed to process after I explicitly called about the fraud already. It is obviously fraud, money coming from an account that I never use. They put a stop payment but said it was too late and also put a freeze on account. They said when it posts I can initiate a fraud claim and that it would be refunded while they investigate. Predictably, this did not work and I see the transaction posted this morning. I put in a fraud claim but still they did not refund the money while they investigate. This is a blatantly obvious fraud transaction that I called about multiple times over days the bank had plenty of time to block and simply did not do so and are now not returning the money they should not have released in the first place. This is absolutely unacceptable criminal behavior by the bank simply allowing a criminal to take money from my account when I brought up the issue multiple times where they could have stopped it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
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: On XX/XX/ a deposit of XXXX XXXX and XXXX XXXX dollars ( {$160.00} ) was made using my credit card to a merchant for eyeglasses. Another payment on XX/XX/ was final payment for another XXXX XXXX and XXXX XXXX dollars ( {$160.00} ) was made using my credit card to the merchant for eyeglasses. I authorized both transactions for payment ONLY. At no point in time during the transaction there was a disclaimer prior to signing. I requested a paper receipt and they told me I will get it via a text which was a link. The disclaimer was attached to the text. I consider this to be very deceptive business practice. However, the next day one of the lenses fell out and returned to store to have it replaced. I was told that I had to wait for the manager, who told that I had to come up with XXXX XXXX and XXXX XXXX dollar ( {$170.00} ) for the replacement. I refused to pay it because I was told if anything happened to it I should bring it back and they would take care of it. Then he said, to give him XXXX XXXX dollars ( {$72.00} ) and declined. I returned the eyeglasses to the manager. I filed a dispute with my bank and they issued a a chargeback temporarily. Then reinstated it to the merchant and the case is closed. I contacted dispute department and they told me that there is nothing they can do because they lost the case and Visa upheld the payment. I contacted them once more and they told me if I could get a letter from the third party eyeglasses company to say that the first one was defective, but the company did not want to provide a letter, only an invoice. Therefore, I should seek external resources. I contacted the FTC and the Attorney General which gave the necessary resources to contact CFPB. Finally, I had made a purchase for another pair of eyeglasses on XX/XX/ from another retailer and it is still functioning as it should without any defects.
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: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX XXXX ( the Company ), which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm. When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Bank of America did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Bank of Americas custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Bank of America promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Bank of America was in compliance with its own policies and procedures ; ( v ) whether Bank of America owed duties to myself, what the scope of those duties was, and whether Bank of America did not uphold those duties ; ( vi ) whether Bank of Americas conduct was unfair ; and ( vii ) whether Bank of America has within its power the ability to, and should, compensate me for the harm that has befallen me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email with Bank of America that an account was opened this morning ( XX/XX/XXXX ). I did not open this account ( Bank of America Advantage Safebalance Banking Account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Friday XX/XX/XXXX, I was at coffee shop in XXXX XXXX XXXX woking on my laptop. XXXX children came in, about XXXX years old, they were selling candy, they said they were raising money for their school team. I told them I didn't have cash but they said they would take a donation via XXXX. I told them I could donate via XXXX. I asked for their phone number in order to send them money since I did not know them, one of the kids said he could enter the phone number in. I handed him the phone so he could enter the phone number. When they handed me the phone back it was at the blank main XXXX screen showing {$0.00} for me to enter an amount I want to send. I sent them {$5.00}. At this point there was no sign that any other transaction had been made or anything else done but a phone number entered. I was only aware of the transaction I made. I did not realize that they had sent themselves a XXXX transaction right before of {$1800.00} in the few minutes they had my phone. This was my entire paycheck. I had been paid that exact day. I only found out what had happened when I went to the grocery store later this evening and at checkout was told I had insufficient funds. Which seemed impossible since I just got paid. When I checked my account it showed overdrawn and I saw the {$1800.00} transaction. I immediately called the bank. My bank is Bank of America. The transactions taken from my account at XXXX. The bank was made aware of what happened within hours of it happening. I don't understand why this couldn't have been stopped or reversed at this time. They pend all other transactions for days sometimes and they can't do this for fraud I reported within hours? I realized that the cafe likely had security tapes so I went back, the manager confirmed and told me the tapes showed everything. I filed a police report so they could release the tapes. I have not been shown these tapes as I was told only the police could get them and the police could share them with the bank. I called Bank of America again and explained I had filed a police report, gave them the police report number, the police department phone number, the detectives phone number. I also sent this information to them via fax - one of the people I spoke to on the phone at the bank told me that supplementary information only appears until a fax is sent. I was not informed of this until about my 4th or 5th time calling the bank, meaning they had information I had shared on the phone that apparently wasn't even going to be considered and I wouldn't have learned about the fax if I wasn't persistent. I checked on my claim every day asking what more I could do. I wasn't even advised to file a police report until I called a couple of times, over a few days. Multiple people I spoke to at the bank said I could get temporary credit while they investigated. This never happened. I was also told by people I spoke to at the bank that because I did not send this transaction this is fraud. The people I spoke to was the fraud team, I was given the direct number that department. The bank denied my claim XX/XX/XXXX, because they said this transaction was done on my phone. I was told of the denial and that reason over the phone on the XXXX and only after received a letter over email dated XX/XX/XXXX. I don't understand how this is not considered fraud by Bank of America. According to the XXXX website they even say, " If someone gained access to your account, and stole money or sent it without your permission, this could be defined as fraud. Immediately report suspectedunauthorized activityto your financial institution. Because you did NOT authorize a payment, you are typically able to get your money back after reporting the incident. However the only people I can speak to about this is Bank of America directly not XXXX. The denial letter states one of the reasons for denial is : the transaction in question was completed using device that is consistent with previous valid account activity. I informed the bank from the moment I called them that this was done on my phone. They should have been aware of this from the moment my claim started. The second reason for their denial is : " that the transaction in question was validated using an authentication code sent to a valid phone number belonging to a signer on the account. I never received any authentication code or authenticated anything. This maybe was done by the people I did not know who had my phone for a few minutes but I never did this or saw or have any record of it. What is frustrating is that I have video proof of the incident and a police report and it appears the bank never looked at this or even took this seriously. This is an urgent situation for me. The money that was stolen was one of my paychecks and I'm only paid twice a month. One of those two pay checks is essentially all of my rent. I can not pay rent and my bills if this is not returned to me. There is proof of what happened and this has been brushed off by the bank. They have since told me they re-opened the case but I need them to take this seriously look at the videos, speak to the police and reimburse me my money. I have been with Bank of America for over a decade. There needs to be protection for this. There should be no reason that a major bank can not reverse or cancel a fraudulent transaction reported within hours of it happening. I need my money reimbursed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A