Date Received: 2023-12-28
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: I booked a hotel room on XX/XX/2023 with what I thought was XXXX XXXXXXXX XXXX XXXXXXXX. I only booked the hotel because it stated there was free cancelations and breakfast. On the Morning of the XXXX my son woke up with a XXXX, I immediately called the hotel to cancel. The hotel said they would be happy to refund me, but I used a 3rd party called XXXX to book. That company received the money and they would have to refund me Since the hotel NEVER received the funds. I immediately canceled with XXXX But was told that even though my son was diagnosed with XXXX XXXX, they would not issue me a refund because I did not give them a 24hr notice. I explained there was less then 24 hours from the time I booked and canceled the reservation. I submitted the dispute to Bank of America, on XX/XX/XXXX The bank sent me a questioner to complete and return to them no later then XX/XX/2023. I complied with the request. The letter they sent to me said the merchant would have 60 days to respond. I NEVER heard back from bank of America. Today I looked at the balance of my Bank of America Credit card and XXXX was charged back to my card over 100 Days after I filled my response. Bank of America NEVER reached out to me and NEVER sent me a notice stating they were going to take away the temporary credit. Bank of America Does NOT protect it's consumers and is in cahoots with these 1 star and fraudulent companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I arrived in the US this XXXX, marking my first time in the country. In XX/XX/XXXX, I attempted to apply for my first US credit card with XXXX, only to be rejected due to an outstanding bill on a credit card reported in my XXXX credit report. This was surprising as I had just arrived in the country and had no prior credit history in the US. Upon creating an XXXX account using my personal information and newly issued SSN, I discovered that XXXX had erroneously linked me to an existing account belonging to someone else. This account, which had similar ( but not identical ) personal information, included a credit card from Bank of America with an outstanding bill from XX/XX/XXXX. Notably, this credit card was issued in XXXX, a time when I was not present in the US. Despite providing XXXX with comprehensive personal documentation ( including my passport, State ID, Bank Statement, police report, SSN, past two years ' mailing addresses, full name, DoB, XXXX XXXX, and XXXX ), my efforts to dispute this error have been unsuccessful. XXXXXXXX XXXX reasons for rejecting my dispute include a lack of sufficient proof from my side and Bank of America 's confirmation of the credit card 's validity. First reason that XXXX gave is that I didn't give enough materials that can prove myself, but I indeed submiited all the documents required by XXXX, including my passport, State ID, Bank Statement, police report, SSN, past two years 's mailing address, full name and DoB ( even my XXXX XXXX, and XXXX ). Second reason is that they told me that BoA confirmed that that credit card is 'valid ' so they can not remove it from my XXXX credit report. But it does not belong to me. Given these circumstances, I believe my situation falls under the purview of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to provide accurate, fair, and private information. Under the FCRA, consumers have the right to dispute and demand correction of any inaccuracies in their credit reports. The Act obligates credit reporting agencies to investigate consumer disputes and correct or delete inaccurate information within a reasonable timeframe. Furthermore, if identity theft is a factor, the Identity Theft and Assumption Deterrence Act provides additional protections, making identity theft a federal crime and assigning specific responsibilities to the Federal Trade Commission ( FTC ) to assist victims. I am prepared to take legal action under these federal statutes to ensure the correction of my credit report and dissociate my identity from this erroneous account. I seek a complete removal of the incorrect credit record and a formal acknowledgment of this error from XXXX. I also request ongoing credit monitoring services to prevent future inaccuracies and protect my credit status.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43201
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In XXXX of XXXX I recieved a copy of my credit report assembled by XXXX that was and still is reporting false and adverse information regarding related to an account I have with the purposted furnisher of this information, Bank of America Corporation. On XX/XX/XXXX, I sent a detailed letter to XXXX XXXX XXXX XXXX regarding inaccuracies in my credit report ( report # XXXX ), specifically with my Bank of America account. The disputed items included incorrect amounts past due for XX/XX/XXXX ( {$1100.00} ) and XX/XX/XXXX ( {$990.00} ), and incorrect payment history for XXXX, XXXX, and XX/XX/XXXX. Despite my comprehensive documentation, including a marked-up copy of the consumer report ( Attachment # XXXX ) and billing statements proving no fees or past due amounts for certain items ( Attachment # XXXX ), XXXX has failed to respond or take corrective action. This is in clear violation of several FCRA provisions : Violation of Privacy Rights and Responsibilities of the CRA : As per 15 USC 1681 ( a ) ( 4 ) and 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), CRAs are required to respect consumer privacy and report only accurate transaction data. Equifaxs reporting of items ( XXXX ) constitutes a violation of these sections. Failure to Maintain Accurate Notification System : XXXX has not maintained reasonable procedures to assure the accuracy of the information, violating 15 USC 1681e ( b ) and 15 USC 1681b ( e ) ( 6 ). The reported past due amount for XX/XX/XXXX is inaccurate, as evidenced by my billing statements and contrasting reporting on my XXXX Credit Report. Non-Compliance in Dispute Resolution : XXXX has not followed the FCRA mandated procedures ( 15 USC 1681i ( a ) ) for dispute resolution, nor have they acknowledged potential liabilities ( 15 USC 1681o ( a ) ) or the responsibilities of information furnishers ( 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ). The non-response and failure to correct these inaccuracies have caused significant emotional and financial harm, affecting my ability to obtain credit and secure favorable interest rates. Actions Taken : I provided detailed evidence challenging the inaccuracies ( Attachments # XXXX and # XXXX ). I clearly cited relevant FCRA sections to support my demands for correction. I demanded the deletion and modification of specific items in my credit report. XXXX XXXX from XXXX : Immediate deletion of items ( XXXX ) and ( XXXX ). Modification of items ( XXXX ) to reflect " Paid on Time '' or " PAANL '' ( Paid as Agreed, Never Late ). Acknowledgement of their procedural failures and compliance with FCRA guidelines. As of now, XXXX has not responded to my letter, nor have they corrected the inaccuracies on my credit report. I called them shortly after the 30 day deadline to check if perhaps there was an error on my part or if they used an incorrect mailing address on file in their correspondence- they didn't even have a record of recieving the letter, despite the accurate mailing address on my letter. While I admit my mailing was not certified with the deliverer, the information nontheless continues to cause undue harm to my financial standing and emotional well-being, and I refuse to rule out the possibility of negligence on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07748
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I wrote a check for {$11000.00} payable to an insurance company and sent it by certified mail. The mail never got to the sender and the check was intercepted and rewritten leaving my signature. I filed a report with the police department, post office and the fraud department at Bank of America. After months of numerous attempts to get information with no success they finally sent me a form letter saying there was no fraud. Clearly if they really investigated they would know that this is fraud. I have documentation from the police, post office and bank for everything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Today, XX/XX/ I submitted a XXXX transfer in the amount of {$120.00} from my BOA joint checking acct to my daughter 's BOA checking acct, as I've done several times in the past, and my transfer was placed on hold pending review. I tried another {$120.00} XXXX transfer from my personal BOA checking acct to my daughter 's BOA checking acct, and it was also placed on hold, pending review. The money was for my grand-daughter 's hair appointment. Since those two XXXX XXXX were pending, I did another XXXX in the amount of {$130.00} from my BOA joint acct directly to the hair stylist, and it was also placed on hold pending review. I called BOA on my lunch break and was on hold for XXXX minutes, so I hung up and went back to work. I called BOA again around XXXX cst and was on hold for a while until an agent finally answered. I explained the situation, and the agent promised to transfer me to a XXXX agent to try to resolve the issue. I was transferred about six times and was eventually told by a customer service agent that the hold happened because of an alert that I placed on my account. They also told me that I should have responded to the email notifications to either approve or deny the transfers. I told them that is not what the email states. Here is a copy of the statement from one of the emails : Bank of America has placed this transfer on hold so we can conduct further review. Upon completion of the review, we'll either process your transfer or contact you for more details. No further action is required from you at this time. If you didn't make this transaction, contact us The email does not tell me to contact them if I made the transaction, it says to contact them if I didn't make it. After receiving the run around from six different agents, the last agent ( who stated he was in Delaware ) promised me that he was transferring me to a XXXX agent, but my call was forwarded to customer service, again. Six times I was told that my call was being directed to the XXXX department and it wasn't. When I made it home, my husband tried to XXXX the {$130.00} to the hair stylist from the BOA joint checking acct. He setup a profile for her and sent the money... it was also placed on hold. So that's {$120.00} on hold from my personal acct, and {$390.00} ( {$120.00} + {$130.00} + {$130.00} ) on hold from the joint account. My issue is that there is NO reason for them to cherry pick which transactions they hold for review. There is no logic to it and it can't be due to an alert because in the past, I've XXXX transferred more than {$120.00} and didn't receive an alert or hold. This is bad business and poor customer service. No one could provide me with a logical explanation for holding my money. Something has to be done about BOA holding XXXX transfers. I'm prepared to take this to the next level, if needed. This actually happened a couple of months ago and I thought it was just a one off, but I see that it's not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Complaint : Negligent action by Bank of America and possibly XXXX XXXXXXXX XXXX in handling the fraudulent act by the partyXXXX XXXXXXXX to whom the check was made out to causing us a loss of {$1800.00} Dear Sir : We were defrauded by XXXX XXXX, who was hired by us for some paint job . A check # XXXX for {$1800.00} from Bank of America ( BOA ) checking account ending with XXXX was issued to him on XX/XX/ in the evening after XXXX XXXX He cashed the check same evening using a mobile deposit using XXXX XXXX account without an endorsement. Next morning on XX/XX/ he went in person to BOA branch to attempt to cash the check again. Although, BOA teller did not cash the check, the bank should have known that the check # XXXX was already cashed and hence the bank should not have returned the original check back to XXXX XXXX. XXXX XXXX returned our original check back to us and demanded cash instead, as the Bank would not cash our check for him. We contacted the BOA branch office, ( when XXXX XXXX was present in the bank ) to inquire as to why our check was not being honored, we were not provided satisfactory answers. That left us no alternative but withdraw the funds ourselves and give him cash. The bank should have aware that the check was already cashed through mobile deposit as per its posting seen on monthly statement. BOA failed to let us know the cause of not cashing our check. We were shocked to see that the check was cashed when we got our monthly statement on XXXX We promptly called the fraud line of BOA and lodged a complaint with check fraud department. Complaint # XXXX. We also lodged a complaint with BOA branch in XXXX California. Reviewing the images of the check on our monthly statement clearly shows that the check was not endorsed ; it was submitted as a mobile deposit at XXXX XXXX bank on XX/XX/ and it was posted by BOA on XXXX We feel the both Bank of America and XXXX XXXX banks were negligent in their operation. Inquiring with the BOA on XXXX, we were told that they have received all the necessary documents from us and inquiry is in progress. I believe it is systemic issue that someone can cash a check through mobile deposit in the evening and then go to the bank in person next day and try to cash the check again without the bank not catching it. Please look into the matter and see if we could be made whole on our unwarranted loss. Sd/- XXXX XXXX Filed Online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94582
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I used a Bank of America ATM to withdraw the entire amount of my unemployment money. From that point on, someone started monitoring my account on XX/XX/23, for approximately 2 weeks, until it was there was more money available. At that point they emptied out my account so that when I went to the grocery store, I had no money to buy even {$20.00} worth of grocery. I really need my money for grocery and to pay my rent and can not afford to wait for 90 days to recoup my lost funds because I'll be evicted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit on XX/XX/XXXX for XXXX in form of a check. They told me it would be a hold on the check until XX/XX/XXXX. Later i found out that they had the hold date change to XX/XX/XXXX. I called several time and they could give me no explanation. it was up the auditing team. I called the person that written the check for a purchase and he was told by his bank t that he check had cleared on XX/XX/XXXX and verified. I called once again to BOA and was told that they was not going to release the funds to us until XX/XX/XXXX and that will be the day we can use the funds. We have been banking with Bank of America for 6 years and have had over XXXX XXXX in the bank. Yes we have experience a lot of bias from this bank and this has been consist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing to file a formal complaint against Bank of America, outlining a series of grave concerns and grievances that have not been adequately addressed by the bank. Despite numerous attempts to resolve the matter directly with Bank of America 's customer service, the lack of response, investigation, assistance, urgency, and security regarding a wire recall request has left me with no alternative but to seek your intervention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Checking account had fraud so I was stated to put money and automatic deposit to a savings while they investigated the fraud they determined it was me knowing they have the fraudulent deposits to my account so they forced closed that checking account and took {$4000.00} from my savings to cover the so called fraudulent activity and basically blamed me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 779XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A