Date Received: 2023-03-30
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: XXXX is reporting reporting a delinquent account from Bank of America which was beyond the XXXX year statute of limitations. According to the information XXXX is reporting the last payment on the account was in XX/XX/XXXX. As of XX/XX/XXXX, XXXX refuses to remove the negative information which is over XXXX years after the first delinquency. Bank of America continues to report the account as of XX/XX/XXXX, which based on their records is over XXXX years after the first delinquency. Their refusal to comply with the law is having a significant negative impact on me. I believe they are discriminating against me due to my age, gender and/or race.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received a check from a job that I had applied for. I applied for a job with a healthcare company and the check came from a healthcare provider so I assumed it was a legitimate job. I went through the interview process and was told I had been hired but I needed to go through training. I was told that I needed to purchase the equipment to be able to do the job and since the company was out of the country I would need to buy the equipment myself. When I received the check my manager wanted me to deposit the check into my account but wait until it cleared before spending any of the funds. I thought that once the check cleared it was fine because what bank would clear a bad check? I waited until it cleared and notified the hiring manager. She proceeded to tell me to send the money via XXXX to 2 different accounts. I was told that I was sending money to Vendors who had the equipment and they were going to come install it at my house. I was told to send {$2000.00} to one person and {$1500.00} to another but the transfers were broken up into separate amounts. She also wanted me to send money via XXXX XXXX but XXXX XXXX refunded it back to me. Her last request was for a {$500.00} gift card. She asked me to take a picture of the card and send it to her. She wanted me to buy the gift card so that I could use it to get a landline installed at my house. I was told to go to XXXX XXXX and purchase a printer and headset for the job as well. The hiring manager sent me a {$4500.00} check asked for nearly all the funds back and once the check bounced I was left with an account that was {$4500.00} in the negative. Bank of America cleared the check but they are refusing to take responsibility for it. I also quoted Federal Regulation E, from the EFT Act that the Bank must reimburse you even if you sent the money yourself and someone induced you to send them money. When I called the Bank, I was told that this is a common scam but they are unwilling to do anything about it. The bank cleared the check so I thought this was a legitimate job opportunity. There was no protection for me from the bank, they should have stopped the transactions immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, I noticed an unauthorized charge of {$980.00} on my Bank of America account ending in XXXX. I promptly reported the fraudulent transaction to Bank of America 's customer service, providing all the necessary details, and was given a claim number XXXX. After their investigation, Bank of America denied my fraud claim, stating insufficient evidence to support my claim or another reason that I believe is not justified. I have reviewed my account statements and can confirm that I did not authorize this transaction. I have also taken appropriate security measures to protect my account, such as updating my online banking password and monitoring my account for further suspicious activity. Despite my efforts, Bank of America has not provided a satisfactory resolution to my issue. I am filing this complaint with the Consumer Financial Protection Bureau to request a thorough investigation into my denied fraud claim and to seek assistance in recovering the lost amount of {$980.00}. I believe the bank 's decision to deny my claim is unjust and request that they reconsider their decision and credit the amount back to my account. Please let me know if there is any additional information needed to support my complaint or if there are any further steps I should take. I appreciate your assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: CALLING BANK OF AMERICAS XXXX At a Bank of America branch, I begged the clerk in charge of business accounts XXXX and the manager XXXX XXXX to help me order checks. The complexity ( and I had learned from the credit card fiasco that can doom the transaction ) was this : On the check should be printed my new address, as of XX/XX/XXXX, in OH. ( The relocation is business-driven. ) The checks should be shipped to my current in XXXX since I have only a few checks left and relocation involves writing checks right now. Both XXXX and XXXX XXXX told me to do what I told them I had done last night and it didn't give me access to anything : That is, call the customer service number provided by Bank of America XXXX. They did not listen. That links into credit card services. Not to the bank per se or to checking. I had no choice but to start at that point again. They " allowed '' me to sit in their lobby and go about this journey of extreme frustration. Yes, it was the credit card number. For 16 minutes XXXX kept informing me he would help me, taking in copious details. He never informed me that he was not authorized to help, though. He was in credit cards. However, after 16 minutes he told me that he would pass me on to someone who could. He indicated he would brief someone with the details. That didn't happen. It was a cold transfer. From there was another cold transfer to business checking at XXXX. In business checking there was XXXX. Why didn't XXXX or XXXX XXXX give me that direct number to business checking? Was XXXX successful in accomplishing that mundane task of getting checks from me? I will know that in 10 business days. For express shipping the fee is over {$70.00}. Plus the almost {$30.00} for the checks per se.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74135
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Below I have provided in great detail what has occurred between Bank Of America and myself and at the bottom of my letter I have included all the fraud charges made on my account. On XX/XX/XXXX, 4 transactions were made on my bank of America credit card fraudulently. Please see the end of this letter for transaction details. The last time I used this credit card was on XX/XX/XXXX, for the amount of {$37.00}. I logged into my app on XX/XX/XXXX, to pay for the purchase I made of {$37.00} and noticed the fraud that had been done on my account. I first went to look for my credit card and once I couldn't find it I immediately called the bank. I was assisted by a fraud rep name XXXX who was very rude and did not enter my claim properly. I had let the rep know that my credit card was stolen and used. She did not put all the purchases that were made on the claim and even added the purchase I made of {$37.00} on the claim. We had gone over each transaction in great detail so I am unsure how this happened. My claim was denied on XX/XX/XXXX and the bank had come to this conclusion due to my credit card chip being used to pay for all of these transactions. I was completely taken aback because everywhere you go shopping nowadays has the " TAP TO PAY '' feature and whenever I have used that feature they cashier has never asked me for my ID or to provide any information that the card I am using for tap and pay belongs to me or not. I then asked bank of America to reopen my claim and investigate further because these charges were 100 % fraud. On XX/XX/XXXX my claim yet again was denied for the same reason and was advised to make a police report which I did, I also provided the bank with the police number. I reopened my claim yet again and waited. On XX/XX/XXXX after 6 months of trying to have this resolved my claim was denied and closed for the same reasons I stated above. When I asked the rep to reopen it she let me know that they can not reopen my claim since they had already done so 3 total times and for me to contact the stores directly for any further assistance with this fraud claim. I called all stores and was given no help and or told that I would have to contact my bank. I asked each store if they could provide me with the security footage from the time of the purchases but each store denied my request. XX/XX/XXXXXXXX XXXX XXXX XXXX CA {$71.00} XX/XX/XXXX XXXX XXXX XXXX CA {$150.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA {$8.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA {$350.00} TOTAL PURCHASES {$580.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I accidentally transferred {$500.00} from a checking account to a credit card account by mistake attempting to put the money in my savings. Since then I have spoke to 14 separate Bank of America employees from the credit department that have all told me different things about when my refund would be available back in my account. on XX/XX/XXXX I was told it would be 5-7 business days, on XXXX I was told it would be 7-10 business days on XX/XX/XXXX I was told it would be 7-10 business days and on XX/XX/XXXX I was told it would be 5-7 business days. Today on XX/XX/XXXX I spoke to seven or eight employees that all had varying stories about my account information. Several told me they could expedite my transfer and I would have it in 24-48 hours. others told me 90 days and one who seemed to make the most sense told me that nothing has been happening due to the transactions canceling themselves out and that I need to speak to a supervisor however the only supervisor available was extremely condescending and basically told me to close my account and they would send me a check in the mail. He also told me that he did not have a supervisor and that he was basically on the board of directors and his supervisor was XXXX XXXX and that she has no phone number or contact information. His name is XXXX employee ID : XXXX I would just like my money out back in my proper accounts and someone from bank of America to tell me that all of my calls have been reviewed and an explanation of how this has occurred that I speak to eight employees in one day and all have differing accounts of a timeframe for repayment. I can be reached at ( XXXX ) XXXX Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On Tuesday, XX/XX/XXXX, my husband received an email from Bank of America ( BofA ) notifying us of a pending balance transfer of nearly {$5000.00} that neither my husband nor I had initiated ( from a credit card that neither of us has! ). We immediately called BofA and let them know that this was " not us '' so to speak. The first customer service rep we spoke to said that we needed to talk to someone from the sales department since they initiate balance transfers so we waited patiently while we were transferred. We went through the story again and the person from the sales dept said that they could see that transfer pending ( they even saw the amount that was noted in the initial email ) and that they would need to transfer us to the fraud department. Again, a wait for the transfer, and again, we go through the explanation of why we are calling. The rep from the fraud department, however, could not see that pending transfer and couldn't explain why we got that initial email and said the email was likely fake ( I note that there were no links or other typical phishing related items in the email ). So they said that there was no action they could take. We were therefore surprised that we got another email the next morning, Wednesday, XX/XX/XXXX, that some transactions were flagged as suspicious. My husband then logged into our BofA account and confirmed our actual transactions and flagged the balance transfer as not having been initiated by us. A couple hours later, we received an email stating that our balance request had been processed! We were flabbergasted! I sent an email to XXXX XXXX, President of Retail Banking at BofA, on Wednesday, XX/XX/XXXX, with the above information and asking for them to immediately credit our account for the fraudulent amount and asking how this could have happened since we spoke with XXXX people letting them know this was fraud and used there online system to flag it as fraud. I received a call on Thursday from someone who works for XXXX who explained that they would investigate the fraud but it could take up to 2 months and that the fraudulent amount would be put " on hold '' in the meantime, though not credited back to us until the investigation is complete. I was told repeatedly by this person that there was " nothing they could do '' once the transfer was initiated. This despite the fact that we told 3 people and used their online features to let them know this was fraud. I maintained that they could have done something, but they chose not to, or more precisely, their processes would not allow them. And this is the change in their process that I would like to see, that transactions are put on hold while the fraud is investigated versus let them go through and then investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57104
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An account was opened in my name with Bank of America without my permission. I did not apply for any application with this Bank to open any accounts with them. This is disturbing to know that banks are opening up accounts in people names without permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
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've had this particular Bank of America card ( BOA - XXXX XXXX XXXX XXXX for 4 years, in good standing ( XXXX, XXXX, XXXX, XXXX ). In XXXX, I requested to close this BOA account, I had not used it for any purchases since XX/XX/XXXX ( when I receive the annual fee in XXXX, which I paid on time, in full {$75.00} [ XX/XX/XXXX ] ) this fee reminded me that this card was not in use and it really needed to be closed. I then called BOA and the agent let me know that they were closing it, this was XXXX. To my complete surprise, I received a notification of my annual fee in XXXX of XXXX, at which point I re-informed BOA that I'd prevoiusly requested this account be closed, and I'd like to close this account now and that I was under the impression that it WAS closed prior to this new annual fee. Believing for the second time that BOA did what they said they'd do. BOA closed my account in XXXX XXXX XXXX they let me know that I'd paid, it was XXXX out and we were good. I was so relieved to be done with that bank and that card. I've been looking for my first home, working with a lender, and we were thrilled my credit was perfect or nearly so XXXX, until I was updating my information with my lender and my credit dropped to XXXX ( XXXX, XXXX, XXXX ) XXXX I have no other debt. I've always paid on time. I had no reason to believe anything would have changed - but it did. Without my knowledge BOA had charged me 30 days late fee in XXXX XXXX, 60 days late fee in XX/XX/XXXX, and another 60 day late fee in XX/XX/XXXX. Immediately upon finding this out ( as my *potential* home is currently contingent ), I spoke to BOA agents XX/XX/XXXX to file a complaint, submit a dispute, and hopefully get this solved quickly as it was an error on BOA 's part. I've submitted multiple disputes with BOA at this point most notably ( or filed correctly ) XX/XX/XXXX and XX/XX/XXXX. They've all told me they'd work quickly, submit paperwork and it should be handled as soon as possible, the credit bureaus may take a bit of time but they'll solve it. I reached out to the credit bureaus and filed a dispute as well ( the three mentioned above ), and hoped the hours I spent on the phone immediately upon finding out that BOA wrecked my credit over an annual fee on a card that should have already been closed and reconciled was going to be successful- I was wrong. *I have my most recent call with BOA on file if you need that and the also record all calls, so there's plenty of audio backing up what I am saying. I've spent 20+ hours on the phone with different BOA agents, Credit Bureau customer service in the hopes of updating my credit and bringing it current and accurate. Anyone who looks at the credit history and this dispute can easily deduct what is happening- I was charged AFTER my card was requested to be closed ( I PAID THE CHARGE, which I should NOT have had to pay, just to be OUT of this BOA situation ) and was subsequently charged late/delinquent fees on a closed account with a XXXX balance. And that action by BOA may prevent me from purchasing a home. I am trying to move home ( XXXX, SC ) to take care of my parents and these measely fees which I DID pay, are standing between me and my future. If you could review the reports, talk to whomever you need to in order to expedite this and bring my credit back to accuracy, that would be much appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96720
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX we made a balance transfer from our Bank of America Platinum rewards for {$1300.00} to XXXX XXXX . BoA does not allow electronic transfers to XXXX so a paper check from BoA, written and sent by BoA, was mailed on XXXX number is XXXX. XXXX XXXX received and cashed this check XXXX check was under My name, but deposited into and incorrect XXXXXXXX XXXX account number . Somehow this check had a clerical error, and two numbers on my account were transposed. I do not know who the other account belongs to an I am not privy to confidential information. Subsequently, once both BoA and ourselves realized that this error occurred, disputes were opened with both banks. Dispute was opened with BoA onXXXX. BoA never sent us any communication of the status of the Dispute. We were told to wait a month. On XXXX we contacted BoA to follow up and were told different things by different people. We spoke to both the Balance Transfers Department and Disputes. Spoke to XXXX, XXXX and XXXX to name a few. We were told by BoA that they had contacted XXXX XXXX and they received a letter stating that the account number on the check was a valid one. I also contacted XXXX XXXX and was told that BoA had never contacted them and they had no evidence of any approach by them. They were unable to give me any information as the account number the check payment was remitted to is not under my name. I was told multiple times by BoA that we would be contacted via phone. We received no follow up calls. On XXXX I again contacted BoA and was transferred from Balance Transfers Department back to Disputes. I spoke to XXXX who was incredibly rude. She said we would receive a copy of the front and back of the cashed check within 7-10 business days. I asked to speak to whichever 'specialist ' was handing my dispute, XXXX XXXXXXXX. I was told their department has no phone number or messaging system to contact these 'specialists ' and that they would call me back. I asked multiple times for a copy of the letter XXXX XXXX sent BoA and no information was shared. XXXX then ignored by requests to escalate the situation, I told her I was ok to hold for some one who could better help me. She hung up on me. Im sure theres a recording of this. In conclusion, I still dont know if I will be credited back the {$1300.00}. I will be following up with my dispute with XXXX XXXXXXXX and go from there. We have been customers of BoA for 12 plus years and are incredibly hurt by the treatment we have received. We don't know what the next step is with BoA and how we are going to recoup our money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21701
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A