Date Received: 2023-03-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat payment on a credit card account u open end consumer credit plan as I purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00921
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, around XXXX XXXX. EST, I walked into XXXX XXXX XXXX movie theater in XXXX XXXX. Once it was my turn, I requested XXXX ticket to watch XXXX XXXX at XXXX XXXX EST. Shortly after, the XXXX XXXX, Caucasian male, medium light brown hair, asked me to select a seat on the screen. I selected J9. Then he said it's {$13.00}. I inserted my Bank of America debit card in the CC machine. While the transaction was processing, I asked the Employee a question regarding my Member 's Reward number. Once the CC Machine reflected Approved, I took my card out and the Employee pressed a button on his screen. He alleges he presses the button to go back and insert my phone number for me to receive points. I'm convinced he clicked an icon that stated Do Not Print Receipt. Bottom line, he asked me to insert my card again. I knew I didn't have enough for two tickets. So I said, " I just paid. '' He said, " No, you didn't. You owe {$12.00} and change now. '' I told him, that's because you guys just charged my card. He went against me again. So, I stepped aside, called my account, XXXX. The automated machine said my balance was {$0.00} So, now, I had to show physical proof. I clicked my XXXX icon to log into my online account. Someone kept bumping me off my mobile internet and taking me back to my home screen. I couldn't believe the disrespect. Therefore, I stepped out of the theater, stood in front of XXXX XXXX, logged into my online Bank of America account, took a screenshot of my ledger. Then I walked back to the theater, and there was another Employee. I thought it was the same man, but he said he wasn't.So, I showed him that I got charged {$13.00} and {$1.00}. I asked him for my ticket. He chose to escalate the problem to his Manager XXXX. XXXX began to say that it didn't get charged or else a ticket would have printed out. She went against me at least 4 times. And she did not want to look at the online ledger. Finally, I picked up the vibe, " She really doesn't want you to go to the movies. She doesn't think you should be allowed to go to the movies ... ... '' And since this was all about one Category not agreeing a specific category, # 3, going to the movies on a Sunday, etc., I chose to pay cash for my ticket. She gave me a ticket to Auditorium 8. I left, but about 15 minutes later, I realized I didn't have a receipt for my purchase. So, I stepped out of the auditorium, walked up to XXXX on the " side '' of the counter and asked for my receipt. She then said, " You'd paid cash. There is no receipt. '' At that point I just couldn't believe another lie coming from her. So, I said, " Then take some of the receipt paper from the CC Terminal, and hand write a receipt. She asked me for my Ticket. I gave it to her. She jotted the information. Then she handed to ticket and receipt to me. By the end of the night, when I got {$1.00} was placed back into my account. Today is Monday, XXXX, and XXXX XXXX. EST, and {$13.00} has not been returned. XXXX alleged it never got charged, so it would be back in my account within 3 days. {$1.00} did get charged, and that was returned within an hour. Why didn't they do that with the {$13.00}? At the very end, I paid cash for my movie ticket because XXXX and XXXX other XXXX XXXX Employees alleged {$13.00} never went through. And it did. In conclusion, please review the attachments, and have the bank return {$13.00} because I was over charged for one movie ticket on XXXX. Thank You, XXXX XXXX XXXX
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: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 I took a cash advance from an ATM from my account ending in XXXX in the amount of {$2000.00}. Less than two hours later on the same date I made a payment of {$2300.00} to the same account. Bank of America decided to delay the withdraw by one day to XX/XX/2023 therefore applying my {$2300.00} payment towards purchases and not to the cash advance which carries a much higher interest rate. ( This is against Federal Law ) On the same day XX/XX/2023 I took another cash advance in the amount of {$2000.00} with Bank of America with account ending in XXXX. I made a payment of {$2100.00} hours later and it went directly to the cash advance because Bank of America posted the withdraw date on the XXXX of XXXX as it should of been. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01876
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
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 want this late payment update from my account within 15 days, I'm not aware of this, Under USC 1666b. See the documents attached. BANK OF AMERICA XXXX Open Date XX/XX/2014 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My entire unemployment compensation was hacked by someone and I filed a claim and XXXX XXXX XXXX denied it saying I activated my card because of my credentials well I never used any account with XXXX XXXX XXXX so I don't know how I have credenitals with them. However there were a few people residing in the same place where I was staying who were paid to help me with various jobs and I believe one of those people possibly was doing this all right under my nose and XXXX XXXX XXXX denied my claim!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91740
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was looking for a villa to rent out for a couple of days in the XXXX XXXX and came across the site XXXX on XX/XX/2022 and inquired about a villas availability from XX/XX/2022 - XX/XX/2022 ( Link to villa is XXXX XXXX XXXX XXXX ) .After submitting my inquiry I was connected with an individual named XXXX XXXX XXXX XXXX XXXX He provided me information about the Villa and quoted me at {$6000.00} for our stay. Before I submitted payment, he provided me an invoice detailing the dates, name of the villa and terms of payment which included 50 % payment to reserve the villa and 50 % payment 1 month before check in. I sent the first payment on XX/XX/2022 in the amount of {$3000.00} through a wire transfer and {$1000.00} through a XXXX transfer. On XX/XX/2022 I completed the payments and sent {$2000.00}. When the day came to check in I, along with 25 family members and friends, received a message from XXXX stating that he accidentally had me booked for the wrong dates and that the villa wasn't available. He apologized and said that he would refund me my payment by XX/XX/2022. 2 months have passed and he has been avoiding my messages and calls. I did further research and found I was not the only victim of this individuals fraudulent practices. I came across an article ( Link : XXXX XXXX XXXX ) that states this company defrauded a family out of {$5500.00} last year. I was also placed in contact with a family from XXXX that was robbed by this individual out of {$25000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I had fraudulant bank account opened in my name with Bank of America. This is my second complaint with the first case number XXXX. I see that case was closed and the information provided by the bank is NOT correct. I did receive the requested information nor is anyone helping me to obtain it now. What I want is to have a copy of the application and have been denied it even when I have submitted all the requested documentation. BOA states that a debit card was not issued but I have been told otherwise and was given the address to where it was sent. This is either an inside job or fraud by my exhusband.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 564XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX I deposit check XXXX cent XX/XX/22 and this is check send me labor department ( US ) and he hold I have to pay my balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a secured card with Bank of America, which had card insurance for the event that I became XXXX or loss my employment. Both adverse events happened ; XXXX XXXX XXXX XXXX XX/XX/XXXX, and went on short XXXX in XXXX of the same year. The card insurance wasn't initiated, and I continued to pay the credit card timely monthly for as long as I could. My credit card limit was {$2000.00}, which was secured with a BOA {$2000.00} saving account. When I became deathly ill with XXXX XX/XX/XXXX, my ability to pay changed but I struggled to continue to pay the card. XX/XX/XXXX the card closed and BOA used the {$2000.00} saving account to address the outstanding credit balance. Subsequently they have actively sought recovery efforts to collect {$200.00} in late and interest fees they state weren't satisfied with the saving account, although the account was over XXXX years old and should've had high yield interest. In addition the credit card insurance should have been applied as per my request when I became XXXX and XXXX XXXX XXXX which affecting my ability to pay and covered these extenuating circumstances. I have attempted to work with BOA for months w/o resolution despite my best attempts.
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: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank of America closed my saving account on XX/XX/2023. I haven't received my funds of {$270.00} XXXX yet. I call to closing department almost every day and they can not give me a clear answer as to when the check will be mailed to me. It is going on for over XXXX month now. What should I do? I have to pay my bills and IRS tax. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02446
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A