Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting all documents used in the investigation along with signature on any documents proving that the debt belongs to me. Each time I request these documents they continue to write saying it is verified and accurate. The is my last request and I don't receive them I will take legal actions for all the violations. The bank did there investigation and said that the social security number didn't match but then left it on my report confirming its accurate. Under the FCRA 15 U.S.C 1681g I have all the right to demand that you disclose to me all of the documents use. Send me copies. Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i deposited a check to my bank of america account and was told i woukd get a credit next business day and check would clear in 2 business days. next day i recieved a notice on my banking app showing it would be 5 business days. XXXX days after i recieved a notice it would be an additional 3 business days. they refused to speak to check issuer and his bank to verify and they do not give me a specific reason as to why the hold is being delayed even longer. the check issuer checked with his finanical institution and the funds are no longer in his account and it was posted cleared from his financial institution. my attorney wanted to speak with bank of america with me on the line and they refused. when i asked bank of america rep if i can take documentation showing verification of the deposit they refused. i was told they use a " 3rd party institution which was called XXXX XXXX XXXX '' and not ACH system to deposit and clear checks. Which when i told them ACH is an abbreviation for XXXX XXXX XXXX she responded that its a completely different " entity ''. they lied are disrespectful and refuse to clear my deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I never open any credit card on my name. Never I request a credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have repeatedly asked for a statement so I can figure out what happened to all my deposits because the last time I checked, they were supposed to send me a statement and they never did. Instead, they close the account did not try to resolve any of the issues Ive been reaching out repeatedly for years for a statement And they have not sent me a statement!. They violated their contract with me by not depositing my funds into the checking account!. Bank of America has a policy about checking accounts, being overdrawn. You can not cash your check with Bank of America for the full amount. You only get XXXX bucks and thats it. Thats their policy not mine then when I checked the balance to see if the check had made it through had been deposited fully and it has not been deposited fully they closed the account, so I have no access to the statement to figure out what happened, this is fraud with a bank account This has been reported to the police and XXXX Washington, where the bank is!. Please be aware that I am unable to update my contact information on your website there is no option to edit the information so I will give it to you through this statement!. XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX WA XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Account opened : XX/XX/2023 I opened this business checking account using the promotion code XXXX after a promotion popped up on my app one day randomly after I logged in to look at my credit card balance. The next day I opened this business checking account and this XXXX auto filled in the promo field so i did not need to enter in anything unique. The requirements were to keep XXXX in the account for days XXXX and as a reward I get a {$1000.00} promotion. A couple days after the account opening I called Bank of America and a representative told me that the account did have the promo attached so I will get the bonus if I complete all of the requirements. I then added more than XXXX into the account. Over the next couple of months I called back a couple of other times and I was told that the promotion code was attached. Towards the end of the promotion period I called again and I was told that the promotion code is only pending on the account and they aren't sure why, but they thought it would show complete after the requirements were met but they were not sure. I waited about 105 days after the account opening and called the bank back because I did not get the promotion and I once again wanted to make sure that the promotion was on the account because I was anticipating this exact scenario taking place. I was told that they XXXX cant find a promotion on the account and XXXX none of the previous reps left any notes on my account so the phone rep had little information to go off of. So I'm not sure if all the previous reps just told me that the promo code was attached just to make me happy, but then didn't leave any notes so that it couldn't be tied back to them with a paper trail? I'm not sure. The representative on the most recent call created a case for me to investigate whether I qualified for the bonus and I just found out that it was denied because I was not " targeted ''. This case could not be escalated again because it had already been escalated. I did not see another way to escalate this within the company so I decided to go with an outside source.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm following up on my prior complaint regarding B of A 's wrongful credit reporting : I very clearly stated in my complaint that I believe this rises to a UDAAP violation because B of A made no attempt to make contact with any emails or phone calls, while promising to do so. This failure directly lead to what B of A claims was an accurate negative credit reporting under the FCRA. Therefore, even taking B of A 's statement about its FCRA reporting to be true, B of A has lead to a UDAAP due to its failure to contact the customer as promised. The account disclosures also make no claim that B of A may choose not to contact the customer with the provided contact methods in the event a payment is late. Therefore, a consumer absolutely should have been able to trust that B of A would have made contact about a slightly late payment while the situation could have been fixed without harm to the credit report. In fact, this the industry standard. B of A, one of the USA 's 2 largest banks, HAS FAILED TO ENGAGE IN STANDARD INDUSTRY PRACTICE TO PROTECT ITS CUSTOMERS FROM EXTREME HARM TO THEIR CREDIT SCORES. If B of A does not correct this, then the CFPB should consider a UDAAP action against B of A. Moreover, B of A simply failed to respond to this crucial part of my complaint. If B of A does not fix this, legal action will be taken. In addition, B of A 's response was simply a form response denying any wrongdoing. However, it also failed to respond to another key point of the complaint ( in addition to the UDAAP issue above ) which is that the bill was never seen, and likely never receieved by the customer and that there have been problems with the mail in this area. Because of potential problems with the mail, contacting the customer by phone or email, when the customer provides this information becomes all the more important. It also adds to the UDAAP allegation above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
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: Bank of America credit card fraud has been going on since XXXX 2023. They are still claiming I owe over XXXX dollars and are charging late fees and interest and sending me to collection! I owe this bank nothing, but they are reporting me 199 days late on payments to XXXX, XXXX, XXXX, which is really hurting my XXXX XXXX!! I hope you can help. Bank of America has had over XXXX dollars total fraud on my credit card since XXXX of 2023. This all seems to me a little fishy?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is a follow-up to Complaint Number XXXX, which I submitted on XX/XX/XXXX with XXXX XXXX as the company against which I was filing a complaint. I am submitted a new complaint today because it has become evident that Bank of America is the institution at fault. On XX/XX/XXXX I initiated an international wire transfer to a friend in the amount of {$5000.00} through my bank, XXXX. XXXX did not send the money to the recipient directly, but instead sent it to Bank of America as an intermediary. One month after the initiated transfer, on XX/XX/XXXX, the recipient still had not received the money. Apparently Bank of America was waiting on XXXX to provide additional information, which XXXX had not provided. Due to the extensive delay, I instructed XXXX to recall the transfer ( on XX/XX/XXXX ) so that I may have the money returned to my account and figure out another way to send it to my friend that did not involve an intermediary. The recall was sent 44 days ago, but I still have not received the money back in my account. As of XX/XX/XXXX, my client relations manager at XXXX XXXX ( XXXX XXXX ) reports that XXXX has attempted to reach Bank of America 3 times. The latest attempt to reach Bank of America was on XX/XX/XXXX, to which they still have not responded. Interestingly, my contact at Bank of America claims that Bank of America reached out to XXXX on XX/XX/XXXX and has not yet received a response. In summary, both banks report that they are reaching out to the other and have not heard from the other. XXXX has made 3 attempts, and Bank of America has made 1 attempt. It is unacceptable that Bank of America has been holding onto my {$5000.00} for over two months. A recall should not take this long and I have reason to believe they are not prioritizing this case to the extent that they should, given the magnitude of the transfer amount and the delay. I am requesting that CFPB intervene and urge Bank of America to respond to XXXX 's requests to communicate, so that they can finally return the money to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02127
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank of America Claim denied Claim ID : XXXX XX/XX/2023 Amount : {$2300.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: I requested an auto-loan directly to Bank Of America XXXX BOA gave me a code to go to XXXX and get the car. I went and got the car with the approval code. After I got the car i received an email from BOA stating the loan is denied, at the same time the car was defective, so I returned the car to XXXX within the allowed period to return a vehicle which is 30 days. XXXX accepted the car back and we signed a return agreement to be a flat cancel. At this point, I believe BOA have not sent the money to XXXX since they told me by email I was denied. Later when I tried to buy another car, this loan that was denied shows in my credit report as if they approved it, XXXX never sent the money back to them until I realized it is on my credit report and called XXXX and BOA to get this resolved, It should have been a Flat cancel on date XX/XX/. Purchase date was XX/XX/. On date XX/XX/XXXX I received the email from BOA stating Loan Denied. I had no idea the loan was open until I saw my credit report. After I complaint with XXXX and Bank of America it took more than one month for BOA to receive the money from XXXX and close the account. Auto-loan account number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A