Date Received: 2023-04-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX In the last week I have over {$600.00} dollars over charged by a grocery store I shop. Upon reconciling, then comparing and contrasting the charges to my checking I discovered - the same merchant debit over {$600.00} dollars above and beyond that which I authorized or consented to. Immediately, XX/XX/XXXX I called Bank of Americas claims department to file a claim, I was told it would take 10 days or more to be credited those funds in excess of {$600.00} prior to calling my bank, I attempted calling the merchant and was on placed hold over 1 hour, and then disconnected. When calling B of A I was treated rudely, hung up on and disconnected numerous times just to report the matter. B of A claims process for their customers to report issues is extremely burdensome- and waiting 10+ days in order to receive my money back seems questionable. Not to mention it places a further hardship on their customers especially when it comes to being able to pay to pay their bills by getting their monies back timely.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55068
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My credit card that Ive had for over 11 years was suddenly closed without an explanation to me from the bank. I received an email from XXXX XXXX advising my bank of america card was closed and paid. I tried looking for the account on my mobile app and its no longer there. I also come to find, the account has been reported delinquent and had a balance of {$5.00}. This is the information that Im viewing from a credit report as Ive had no notification what so ever from the bank. I pay my bills on time each month and oddly this account had a balance that I was not aware of, I can not even look at the transactions as I have no access. I did not receive a call regarding a balance, a statement or email communication. This is very upsetting knowing the bank is taking extreme measures without notifying the consumer. My credit report has dropped XXXX points and would like an explanation and update to the credit report. If this account was delinquent for {$5.00}, why did I not get contacted? Why did I not receive a statement and why cant I view the account on my end?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I would like to permanently delete the negative item on my report that is paid. Details and proof is in the attachments.
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: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I would like to permanently delete the negative item on my report that is paid. Details and proof is in the attachments.
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: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I am purchasing a used boat. Bank of America has a ships mortgage on the XXXX XXXX title that they have not released. We have tried numerous channels to get a response from B of A with no response. This is a 20 year old loan that we confirmed was paid off in XX/XX/2004. Again, big bank no consequences for no responding to consumers who aren't putting money in their pockets. What can I do??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I called Bank of America ( BoA ) on multiple occasions. During one of the first contacts with BoA, I was told that these fraudulent accounts were not an issue as no charges were being made. Then I was told on a subsequent call that the accounts were closed. After several months, Istarted being charged by BoA, to which I called the company back. I was told that since my personal social security number was not associated with the accounts, I have nothing to worry about. I am trying to resolve this process without much avail. Please refer to the uploaded police, FBI and FTC reports for additional information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I got 6 emails this morning, XX/XX/2023 describing the opening of a bank account in my name with my email. They then changed signed up for mobile banking and changed the email with the account. I then looked into what to do and came here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52240
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I had a XXXX XXXX XXXX with Bank of America for XXXX. A fixed rate. A year later I had storm damage and I asked them if I could increase the loan to XXXX. They said that they would have to create a new loan. The XXXX XXXX is XXXX. All of this over the phone. I did email them verification of income once again and I am sure they did a credit check. I did not receive any paperwork from them prior to the closing. I knew that interest rates had changed for this second loan but the only thing I was doing was increasing the loan. I met someone at a restaurant and signed the papers. She was not an attorney I believe as was done the first time. The loan would be around {$560.00} a month and it was a year later that I discovered that Bank of America had changed the loan from a fixed rate to a variable rate without my knowledge. Now my payment is almost {$1000.00} a month. Only an XXXX does a variable rate. I would never do it. I did not have knowledge of this until the monthly payment increased. What a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The credit line account was closed, and I did not receive the proper disclosure nor did I authorize a credit pull which resulted in the company closing the account. Per a phone call with representative XXXX, on XX/XX/XXXX, an uncertified letter was mailed on XX/XX/XXXX after a risk review was completed. The risk credit review determined that my account was closed due to too many balances, and utilization. XXXX also confirmed that the XXXX payment was due on XX/XX/XXXX, {$50.00} was received on XX/XX/XXXX, the statement closing date was XX/XX/XXXX and the account was closed on XX/XX/XXXX. The minimum payment had been met, so " non-payment '' was not the reason for account closure. XX/XX/XXXX - Billing Error Notice and exhibits were mailed to XXXX XXXXXXXX XXXX XXXX number XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Credit Department Phone number XXXX, XXXX XXXX ( collections rep ) contacted me for payment, noted billing error dispute details, and confirmed that they would continue reporting to the CRA despite receiving the billing error notice. XXXX attempted to transfer me to the credit department but the numbers and transfer attempts allegedly did not work. XXXX A representative contacted me for payment and said that a bankruptcy request was submitted but can not be processed due to my needing a lawyer. Bankruptcy was never filed on my end or my account, therefore I feel that my personal information has been compromised in the company 's database, and will proceed with an FTC report. The rep confirmed multiple payments received prior to the account being closed. I requested all full/unaltered documentation of disclosures and my authorization to random risk reviews ( credit pull ) from the rep XXXX along with the notice that was mailed to my address regarding account closure due to a risk review. XXXX explained that because my personal information is on file BOFA has the right to run a risk review at any given time when there is suspicion of a risk. She was unable to provide the risk reason or trigger for the random risk review. I was then transferred to XXXX who was unable to locate any notices/risk review disclosures and advised me to file a complaint about the missing documents. The complaint was submitted by XXXX, and the confirmation number is XXXX. I notified the company that I would not like to receive any calls unless it is to discuss and resolve the billing error dispute and invalid submission for a bankruptcy filing. XXXX Billing error notices were mailed again to : Bofa Billing Inquiry Dept XXXX XXXX XXXX XXXX XXXX XXXX Delivered XX/XX/XXXX Billing ( Mistakes ) Rights Dept USPS Tracking # XXXX XXXX XXXX XXXX XXXX XXXX Delivered XXXX/XXXX/XXXX As of today XX/XX/XXXX there still has not been a resolution to the abovementioned concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i disputed a {$500.00} charge and they claimed it wasnt paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47201
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A