Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Re : Delinquency Notice / Civil Action Notice USPS TRACKING # XXXX XXXX XXXX XXXX XXXX XXXX ( FACTS ) This notice is to inform you that you are well over 90 to 120 days late on this outstanding balance that you know you owe the consumer in the amount of such credit that should have been released on this account as well as the attached completed record officially signed off on by the Department of Veterans Affairs as well as your banking or financial policies in requesting any consumer to complete such Form 4506-C and VA Form NOV 219 26-8937. Policies and procedures and applicable laws, regulations, and statutes are critical, we have asked for your legal counsel of record direct contact information as it is required before addressing this in a court of law. We have been overly patient with you and to this date, you have not returned any outstanding debt that you owe and should be in your files or system. At this point, we have exhausted all our administrative responsibilities and remedies, and all Consumer Financial Protection Bureau notes and records will be used. You have shown unprofessional service and conduct by doing what you have done here which has triggered others to fall suit without your supportive records. Now turn over your legal counsel of record, name, address, and phone number through the Consumer Financial Protection Bureaus Portal so that I can have it with all your responses on this site. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We had two separate occurrences with Bank of America with our account being XXXX, the first one was in the amount of XXXX, the fraud department put a stop on payment .The second time was on XX/XX/2024 in the amount of XXXX, again the fraud department put a stop on payment and closed our account informing us that we would have to open a new account. Both times the customer service at the bank was less than desirable. The people in the office seemed to not want to acknowledge us when we entered the bank instead they were sitting in their offices. We asked if someone can assist us and was informed to have a seat and someone would be with us shortly. After a 20 minute wait we were acknowledged and directed into an office where the person called the fraud department, this person left us in the office on the phone, we explained to the fraud department what transpired with our account and was informed they would close this account and open a new one which the person at the bank could do for us, when we informed them that the person left us in the office by ourselves, she said she could not believe we were left unattended and asked to speak to the individual that placed the call, we informed the person and she sent in another person, the fraud department personnel informed this individual who they were speaking with that they were on a recorded line and asked them if they would assist us in opening a new account, the person informed them they did not have anyone at the time that could assist with this request to which the fraud department person could not believe they just told her that. We were informed from the fraud person to remove ourselves from this bank location and apologized for the inconvenience. We went to their other location and the bank was closed with no notification on their door.
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: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Someone open fraudulent accounts under me with bank of America and i have supporting documents saying that it was not me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased XXXX drinks with a beach vendor in XXXX. I was charged {$870.00}. I immediately called Bank of America to open a fraud claim. They denied it on XX/XX/XXXX. I called again and opened another claim. They denied it again on XX/XX/XXXX. The bank told me that the vendor had proven that I had approved the purchase, but it was not my signature and I'm sure if they were to actually look at the receipt it would be very obvious that it was a scam. XXXX drinks obviously do not cost {$870.00}. I did not sign for it. I can not file a police report because it was in XXXX and the police are aware of the scam and do not take it seriously. Bank of America has denied my claim XXXX times now and wont give me any reason as to why they have denied it. They have send me XXXX identical denial letters that give me XXXX information or address my rebuttals at all. I would like a copy of the receipt or at least a copy of my signature. If BoA looked at either of those things it would be very obvious it was not me. I also submitted a complaint with the Consumer Protection Agency on XX/XX/03 ( id : XXXX ) and today XXXX, BoA sent me another identical denial letter. I refuse to accept this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99801
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: 3 times in the last 90 days my debit card had to be blocked because of unauthorized charges. I have legitimate transactions being flagged and get a text and the point of purchase then I have to resubmit the transaction. That can be as little as {$25.00}, then i look at my text that is when I see it. I had 3 fraudulent transactions totaling {$4700.00} all processed from the same fraudulent source! I contacted the bank and they didn't give me a provisional credit and they told me they have up to 90 days after they said they did mark it as fraud. They said the " back office ' can't tell them when I will get my money back. I think that is beyond unprofessional!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: RE : Account Number : XXXX I hereby assert that the previous dispute between myself and Bank of America was not subjected to a thorough and accurate investigation and took much longer than 30 days to complete. Consequently, I am initiating the reopening of said dispute, accompanied by the submission of additional information. It is pertinent to note that both my son, XXXX XXXX, and I held an auto loan account with Bank of America, in which we both served as guarantors. During the months of XXXX and XX/XX/2022, while residing at our investment property in XXXX XXXX, Florida, we were confronted with the impact of XXXX XXXX and XXXX XXXX. Prompted by the red evacuation zone designation, we were compelled to evacuate to higher ground, given the imminent danger posed by these severe hurricanes. Upon returning to our residence, we discovered that it had sustained substantial damage. Moreover, we endured weeks without power, internet, and cellular network coverage, as the cell towers in the area had been adversely affected by the hurricane. Due to the lack of cellular service, internet connectivity, and power, we were regrettably unable to effectuate a transfer of funds to the checking account designated by Bank of America as the primary payment account. It is worth noting that an alternative checking account was available to Bank of America for payment purposes, which, unfortunately, they neglected to utilize. Adding to the complexity of the matter, all three major credit bureaus have reported varying instances of late payments during XXXX distinct months, further highlighting the inaccuracies in their reporting. I have diligently made multiple attempts to engage Bank of America regarding this matter, both through written correspondence and telephone conversations. In these correspondences, I have provided the necessary loan statements and attached all pertinent information. Regrettably, their response thus far has been limited to requesting " more information, '' which I have already provided. Moreover, I have engaged in discussions with numerous Bank of America representatives, all of whom have acknowledged the extenuating circumstances surrounding the hurricane, which qualifies as a natural disaster, and the subsequent state of emergency declared by XXXX XXXX XXXX, as evidenced by the attached documentation. These representatives have concurred that the erroneous and incorrect late payment should be rectified, or alternatively, the account should be expunged entirely from both mine and my son 's credit reports. I am solely requesting that the late payment for XX/XX/2022 ( XXXX ), XX/XX/2022 ( XXXX ), and XX/XX/2022 ( XXXX ) be appropriately marked as " Paid/Never Late '' on all three Credit Bureaus, for both myself and my son. Alternatively, I request that the inaccurate account be expunged completely, given that the loan has been satisfactorily settled, and we have maintained a consistent track record of timely payments. Failure on the part of Bank of America to rectify this erroneous information will leave me no choice but to pursue legal action, citing unethical practices, inaccurate credit reporting, and seeking punitive damages as a result of the negative impact caused by the inaccurate reporting on my personal credit report. Along with this CFPB complaint I will also be filing a complaint with the FTC against Bank of America. It is essential to underscore that this inaccurate reporting has impeded the growth of my business and has hindered my ability to secure additional business funding, as evidenced by documentation from lenders who have explicitly cited the inaccurate late payment from XX/XX/2022 to XX/XX/2022 on the Bank of America auto loan as the reason for denying my credit applications. I have also attached along with this letter images of damage from our residence in XXXX XXXX XXXX XXXX Hurricane Ian, as well as further proof from news publications, President Joe Biden, and Governor Ron DeSantis State of Emergency letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60439
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a complaint about Bank of America about them holding my check and they called me at XXXX to resolve the matter but didnt offer me ANY resolution besides telling me all the information I already knew. I consider this harassment now. Im pretty sure they already have a class action law suit age them for calling people during times they shouldnt be calling people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97030
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: upon reviewing my credit file i notice that there were two credit cards established in my name with bank of america and XXXX after careful review of these accounts i did not establish these accounts and they appear to be fraudulent .i have not given any one my expressed permission to establish these accounts in my name this information represents clear violation of the ( FAIR CREDIT REPORTING ACT 15 U.S.C 168I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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/2023 I was charged of XXXX $ as deposit for a bid of XXXX $ that I didn't make from a capital auto auction. I request a refund but they denied. I bided for XXXX and I saw that they increased to me to XXXX $ without any reason. The transaction was declined and they took the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX things like that, and on XXXX of XXXX I was finally released to go home I beet XXXX. As I get to my house I notice all my windows have been boarded up and everything I own is gone I called the police made a police report sent that to the bank and also my discharge papers that showed the date I was admitted and the date I was discharged.and they keep denying my claim 7 times now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A