Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was told by a company representative that he did even show me applying for said card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90247
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I filed a claim of fraud because someone I did not authorize used my card to purchase a rental car on XXXX. I have two cars that Im paying a car note on so renting a car for doesnt even seem logical for me to do especially the day after paying my car note! I called the bank they placed the funds in my accounts then took the money back today XX/XX/2023. I do not have a XXXX account the account could not have been in my name I NEVER authorized this purchase and Im so upset about my account being negative! When my check gets deposited it will take my whole check for something I did not do!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got a phone call said they are XXXX and that there was a phone number registered with my information thats been sending scam messages. They asked me to report to the XXXX police because the phone number was purchased in XXXX. I was then transferred to XXXX police. While I was reporting the case, they said I was a suspect of the fraud case they are investigating and they need to arrest me back to XXXX unless I bail myself with money. I then wire transferred {$180000.00} from my Bank of America account to a XXXX XXXX XXXX. I also told BoA that I was sending money to my family based on the instructions of the XXXX police
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: My inner was sold and brought illegally I was a victim of the XXXX XXXX XXXX I want these items deleted from my credit reports effective immediately I am attaching proof that the XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing please help me delete these illegal accounts from my credit reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2024-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34109
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. BK OF AMER XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a business credit card on the promotional terms that if I spent XXXX XXXX within 90-days of account opening I would be credited with XXXX points good for a {$750.00} cash redemption. When I went to redeem the points I was given only two options, one was to receive travel credit for the highest point value equaling the {$750.00} or a cash redemption which was substantially less. When I went to redeem my points, I was only given the two options, but there was a third option available which was to transfer the points to my personal credit card with BofA to receive the full value of the points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: On XX/XX/XXXX I received a call from someone named XXXX from Bank of America who stated he was calling regarding a forbearance. I asked what day does it start and end. Per XXXX it starts on XXXX. I then ask what happens to XX/XX/ and he basically talked in circles. I repeated the question again but rephrased it. A nightmare. It was a simple question that should have an answer somewhere at Bank of America. After going round and round, he finally said XXXX is covered? What should have taken 30 seconds to answer turned into five minutes of confusion. I still dont think he knows. I then asked about the repayment options and he stated it could be this it could be that. No one knows until the forbearance ends. I then stated that cant be because the first forbearance they provided the repayment options at the time the forbearance was approved. Also my investor publishes the repayment options for forbearances. However, apparently my investor hasnt made Bank of America aware of these options.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: This account is a joint account between me and my nephew, where he manages my bill payments. Around the beginning of XXXX, my nephew received emails about my XXXX being closed and the phone number being gone. A few hours later, he said he could not manage the account or access it. He called Bank of America and found out the account was frozen. They called him back and found that they found an unusual transaction that they detected was a fraud. I checked my bank transactions and found nothing out of the ordinary that is considered to be fraud. I dont know if the bank is falsely accusing me. They tried to resolve it by changing the username and password, but I still can not access the funds. I tried to call them multiple times, but they will not give me a proper response about when my funds will be accessible or the account will be unfrozen. Its been almost XXXX months and I have yet to hear back on the status of the account. I had to move my paychecks temporarily to pay my bills and mortgages and the bank was giving me financial stress due to missing out payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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: My credit card was overcharged by a restaurant ( XXXX XXXX ). When I discovered this, I asked for a refund and the merchant provided it. The merchant even sent me a screen shot, showing that the refund had been processed with XXXX : the authorized amount was {$50.00} less than what had originally been captured. ( Should actually have been {$64.00}, including tax and tip, but that is a secondary complaint. ) Since the refund did not post to my credit card, I filed a claim with BofA and provided all the required information. BofA initially posted a credit of {$64.00} to my account ; later they reversed it, and sent a letter asking for more information. I called BofA and pointed out that I had already provided the requested information ( screen shot incl. XXXX confirmation number for the refund ) ; they agreed, said that the charge had been reversed in error, and offered to escalate/accelerate my claim to have it resolved. However, three weeks later BofA sent a letter stating that my claim was denied, after all. I called them again to complain, pointed to the screen shot with all the info they needed. BofA said that it was ultimately XXXXXXXX XXXX decision -- even though their denial letter says that BofA made the decision. I escalated to a manager, who held the line. They both declined to provide evidence that they had actually sought the refund from XXXX, even though I had provided them with a XXXX confirmation code to do so. I can not tell if this is a one-off misjudgment on their part ; BofA insists that it is standard practice. If so, it would suggest that the bank and credit card company have a practice in place that prevents customers from collecting their refund, even after the merchant provides confirmation from the credit card company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A