Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Apparently instead of looking at what I provide through the cfpb especially this cfpb # XXXX. Failed to actually do a proper investigation into this matter since 2010. All that has been provided is falsified statements and falsified documents from your company since 2010. And the aquasition and sale of the property was done with the same. So actually investigate this issue by looking at the documents I have provided through the cfpb period and quit sending me all the falsified signed documents and statements you have given me time and time again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2023 the IRS accepted Form 1099-C, cancelling the credit card debt at Bank of America XXXX See attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I've had several fraudulent transactions on previous account ending in XXXX. As a result, this particular account was closed in XXXX of 2023. I've worked with several merchants for reimbursement and reversals during the time of my account closure! I've also contacted my financial institution, ( BOA ) to assist. For several months, I was informed to work directly with the merchants. I eventually submitted the claim to the bank because nothing was being resolved. Not long after I submitted my claims, I received documents for each claim stating that My claim can not be approved because they fell outside of the dispute time frames that the bank follows. However, I was only doing what I was instructed to do which was work with the merchants directly. Also, as I was calling the bank back and forth, it would have been feasible if a representative ( s ) would have told me that I am reaching my deadline. I tried everything in my power to get this done without involving the bank on their behalf. Below are the dates that I received the correspondences for my unapproved claims, ranging from the timeframe dispute, along with other unapproved claims and expectations for those. I've also attached statements that I faxed to Bank of America 's claims resolution department. XX/XX/2023 for XXXX XXXX XXXX 's for the amount of {$1500.00}. I was double charged one lump sum, and then several small transactions ( dispute timeframe ). XX/XX/2023 for the XXXX store in the amount of {$1300.00}. This particular claim was declined due to the charge " being authorized by me or someone who has permission to use the card or account '', per my correspondence. XX/XX/2023 for XXXX and the amount of {$230.00}. This merchandise was never received and some of it was damaged. ( dispute timeframe ). XX/XX/2023 for XXXX XXXX in the amount of {$5100.00}. The initial total for this valid transaction was {$11.00}, XXXX. The {$5100.00} is from return merchandise that was unable to be processed on a closed account. ( Dispute timeframe ). XX/XX/2023 for XXXX in the amount of {$410.00}. This was a valid transaction, however someone picked up my merchandise and the ID wasn't checked. I never received my items. XX/XX/2023 for XXXX in the amount of XXXX. I was double charged for this transaction. I paid the XXXX XXXX directly, however this also falls out of the ( dispute timeframe ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Bank of America has made a decision to close the XXXX credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22150
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I was being charged per day for late fees. With Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08012
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX I went to the Bank of America ATM to withdraw cash the ATM kept telling me daily amount exceeded transaction canceled several times then I checked my balance and I was missing XXXX dollars so I called to make a Fraud complaint the fraud clerk didn't canceled my card and send me a new XXXX a few days later the XXXX dollars were gone so I called again a made a new complaint the second fraud clerk told me that the first clerk didn't do her job that's why I lost XXXX dollars yesterday XX/XX/XXXX the bank refunded XXXX dollars but the are denying me the first XXXX dollars of the first complaint because they told me they have video of me getting the cash so I said what do I look like and they gave me complete different person they said I was XXXX wearing a white shirt short sleeve v neck so I said excellent do I have any marks on my chest and arms they said NO I said wrong person because I'm 90 % of body is Coverdale with XXXX and I went in person to Bank to get verified they now know I wasn't the XXXX man with no tattoos but they are still denying me my first XXXX dollar fraud complaint because the first girl who helped me did not clarify as Fraud Bank of America is stealing scamming me of my money that was hacked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
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 was charged {$75.00} by XXXX XXXX XXXX in XXXX IL for a credit/background check for an apartment lease. My application was denied even though I know I passed the credit check and background check. The law states that if I am denied an apartment lease due to background check I must be told why so that I can correct the problem. XXXX refused to tell me why. I have a suspicion that the denial was because I was using a housing voucher. I have hired an attorney. In any case, the {$75.00} should be refunded to me because my application was denied and the company refused to let me fix the problem. I explained all of this to Bank of America when I called to dispute the charge. I was sent a letter telling me to provide documentation. There is no documentation, everything was done by phone or via XXXX application link. Furthermore, there is no mechanism to provide a written statement to BofA electronically. They are insisting on a paper copy being sent to them in the mail. I have difficulty writing. I can type, but I don't have a printer. I am XXXX and it's a real hardship for me to get to a place where I can get something printed. BofA is not willing to provide a solution for me. I have never heard of anything so antiquated. They have told me that because I can not send them a paper copy of my complaint I will have to pay the {$75.00}. One of the reasons I use credit cards is for the consumer protections. I had a dispute with XXXX a few months ago. They handled everything over the telephone. This makes me thing that BofA does not want to settle any disputes. They make it very difficult for the consumer to file the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60015
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Bank of America has made a decision to close the two credit cards I had with them. They informed me the decision to close the account on XX/XX/XXXX. At the same time, they do not allow me to redeem the cash back rewards I still have on these XXXX credit cards. XXXX credit card has about {$800.00} in cashback rewards and another credit card has about {$6700.00} in cashback rewards. Bank of America does not tell me the reason for closing my accounts nor does it give me any heads-up that the accounts will be close so I would have time to redeem the cashback rewards. I understand Bank of America has made the decision to close the accounts, but they can not just keep my cashback rewards ( ~ {$7500.00} ). If Bank of America has the ability to unilaterally close the accounts, then they can not be just cancel my cash rewards on the credit card. This is what pirate would do, no a company like Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22150
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am writing a second dispute about the amount of {$2000.00} from my account. Since how things have happened during this supposed investigation have been vague. They were planning to close a case after all the irregularities occurred in my bank account. First I get an alert from Bank of America for unusual activity in my account in the amount of {$640.00} on XXXX that occurred in XXXX Florida. The alert said if I recognized said action, I answered with a clear NO this happened at XXXX pm on XX/XX/XXXX they said in the message that the card had been restricted. However, they did not take immediate action until XX/XX/XXXX, a week later. In my account you could clearly see all the irregularities that were happening and within a period of XXXX minutes the account was being hacked, how is it possible that they did not notice after I said that I did NOT recognize the purchase. This was reflected in my account for more than XXXX hours and nothing was done about it. And the amount of 2000 dollars was stolen from my account without any problem by Bank of America due to their negligence. The representative I spoke to was supposed to help me with what I was going through, but he was unable to act immediately and do his job, protect my money. They couldn't even create a claim for me until a week later. On Monday XX/XX/XXXX I contacted the bank to find out what was going on and was told by their representative that the case could not be resolved and would be closed as the bank was unable to recover the funds. I asked that the case be reopened and he confirmed that it was. I sent evidence by fax the same day, XX/XX/XXXX, but it seems that everything is wrong and they do not respect the events that occurred, since on XX/XX/XXXX I called to find out about the update, but it turns out that the agent who assisted me assured that the case was never reopened. XXXX later, other messages arrived about the Bank of America in which it would help to make the money safe and said messages came from the Bank of America, which they could not detect and prevent my money from being withdrawn. All negligence and mistakes made by bank staff knowing what was happening and did not act on it are inadmissible. The agent is called XXXX, ID XXXX. He also said that a transaction takes XXXX hours to process, plenty of time for the bank to act and get my funds back. But he didn't until a week later. They also had the option of freezing the account while they tried to extract the money but nothing was done either. This action on the part of the Bank of America and its staff that they allowed to ignore and that under no circumstances should have happened was to have ignored it since it was carried out up to 8 days later, which was a very important factor due to which my money has not yet been recovered. I demand that the errors be admitted by the staff and the amount of {$2000.00} be credited to my account. I want a more exhaustive investigation and answers to this case and not just words of regret from the Bank of America. I am attaching proof of the facts, I am waiting for answers to this action and everything that the bank recorded at the time of the events that occurred after XX/XX/XXXX, since there must be a call with the report that I made and of course the recovery of my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/2023 my claim for fraud was finally resolved in my favor with a permanent credit to me in the amount of {$6100.00}. Today is XX/XX/2023 and I STILL HAVENT RECEIVED MY MONEY!!!! I have been waiting a very long time and this is absurd. Please help me. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95340
Submitted Via: Web
Date Sent: 2023-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A