Date Received: 2024-01-21
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: On XX/XX/2022 XXXX XXXX XXXX issued a credit card using my information to someone in a state I have never lived in nor traveled too I contacted XXXX XXXX XXXX they could not find any information on the card but its still reporting on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93905
Submitted Via: Web
Date Sent: 2024-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: There was a fraud claim between two people neither of which are my wife or I. It was settled and the money was taken out of our account wrongly causing us to be overdrafted and black marks on our credit report. The fraud case between these people took place prior to us ever having an account with Bank of America. The multiple times weve contacted them all they do is pass us around and tell us its been settled. I understand mistakes happen but their unwillingness to correct this mistake in my opinion has become criminal theft
Company Response:
State: MN
Zip: 55057
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: In progress
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Summary of Bank of America Credit Card XXXX XXXX XXXX ) Claim XXXX {$9000.00} Claim Denied on XXXX XXXX and XX/XX/2023 XXXX ) Claim XXXX XXXX {$10000.00} Claim Initially Denied on XX/XX/2023 and subsequently approved and resolved in my favor I have been a customer of Bank of America XXXX BOA ) for 36 years with XXXX credit cards and a checking account. On XX/XX/2023 BOA informed me that they had transferred {$10000.00} from XXXX credit card and {$9000.00} from the other one to a XXXX XXXX account. I immediately called BOA to inform them that I had not authorized the transactions and that I did not own a XXXX XXXX account. They opened XXXX separate investigations, XXXX for each credit card. On XX/XX/2023 BOA sent me a notification stating that they were unable to pay my {$9000.00} claim due to their assertion that The charge was made by you or made you or made by someone who has permission to use the card or account. On XXXX XXXX BOA sent a similar notification that they also were unable to approve my {$10000.00} claim because We confirmed that the charge on your account on your card either covered an overdraft on your linked deposit account as part of your XXXX XXXX for overdraft protection or was a balance that went directly into an account in your name. Upon receipt of the denial letters, I called BOA called again to dispute their contention that the transfers were authorized by me or someone who has permission to use the cards or that the balance went directly into an account in my name. I also called XXXX XXXX and they confirmed that I have no accounts with them. XXXX XXXX stated that they could not trace what account that the funds went into based only on the last XXXX digits of the account. Only BOA knows the full account number that they transferred the funds into. It is not an account that belongs to me. I suggested to BOA that theywork with XXXX XXXX to track the funds. BOA agreed to reopen the investigations. On XX/XX/2023 BOA sent me a letter stating my {$10000.00} claim was resolved in my favor. The {$10000.00} has been restored to my account. Another BOA letter sent on the same day stated that BOA was unable to approve the {$9000.00} claim. The reason for BOAs position was unchanged which stated The charge was made by you or made you or made by someone who has permission to use the card or account. I called BOA Claims Resolution to appeal the {$9000.00} denial. They agreed to re-open the investigation but have done nothing further. The investigation has apparently been put into hibernation. I have had XXXX to XXXX phone calls to BOA Claims Department staff. I have been consistently informed that BOA has no explanation or documentation that supports the claim denial that they are willing and able to share. I was informed by BOA claim staff that they do not know why the {$10000.00} claim was resolved in my favor and the {$9000.00} claims was denied. Neither do I. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57106
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ive been a customer with bank of America for a long time and never had any issues. Last week my account was compromised and there was a number of unauthorized transactions. All the transactions occurred on XX/XX/year>. I disputed 3 {$10000.00} {$500.00}, and 1 {$100.00} transactions and they were denied. I already tried to get refunds from the merchant but they are not cooperating. I need Bank of America to chargeback the merchant as credit not processed or services/merchandise not received and return the funds to my account ASAP. I have bills to pay and this whole ordeal has left me out of XXXX, currently behind on rent and other bills. My livelihood is at risk. What does BoFa expect me to do? How do I get my money back? I thought my funds were safe with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20832
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Dear Consumer Financial Protection Bureau ( CFPB ), I hope this letter finds you well. I am writing to formally report a case of credit card fraud that I discovered involving Bank of America. Although I regretfully acknowledge that I reported the fraud later than desired, I believe certain circumstances warrant consideration. I am a victim of identity theft as well as being a very business owner with multiple credit card relationships. I also would like to add that I have XXXX personal credit score and never had a credit blemish. I also have the highest status of banking with Bank of America and have been a great customer. Cards were stolen from my card wallet and I didn't realize until after quite some time and because of the high limits and my account balance and online banking not all being synced it went unnoticed by my accountant. When I identified these charges i Immediately disputed the charges. Then every dispute takes 90 days and every time i had to wait on a dispute, less charges were able to be seen by the phone rep. There was not inbound department to handle this much fraud so i was constantly bounced around. This is why I'm reaching out. I tried to resolve it with the merchants but I can't resolve it because I can't get information on an account I didn't create to authenticate the charges. All I can do is prove they were done on my card. Literally every transaction they investigated has been deemed fraud and that i didn't do it and it's been adjusted on my account from my previous disputes about this same matter except the charges from past in 2021 the representatives can't see anymore. Attached are all charges between XXXX 2021 that have occurred that have not been addressed. Merchants that fraud came from are ALL charges from XXXX, XXXX, XXXX XXXX Credit Card. I understand the importance of reporting such incidents promptly, and I sincerely regret any delay in bringing this matter to your attention. However, I would like to draw your attention to FCRA Laws : Section 605B - Blocks on Information Resulting from Identity Theft Section 611 - Procedure in Case of Disputed Accuracy Section 613 - Public Record Information for Employment Purposes I appreciate your time and attention to this matter. I am more than willing to provide any additional documentation or information to support the investigation. Thank you for your assistance in resolving this issue and protecting consumers from fraudulent activities. Cards involved ending in XXXX, XXXX, XXXX. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Dear XXXX XXXX XXXX XXXX My name is XXXX XXXX, and I am writing to you with deep concern and confusion regarding the recent closure of my checking account ( Account Number : XXXX - Wires : XXXX ) at Bank of America. I have encountered a significant challenge as my attempts to seek clarification and assistance on this matter have been met with limited success. Despite reaching out to various departments within the bank, I have yet to receive any explanation as to why my personal checking account has been apparently closed without any apparent reason. I want to emphasize that I am not aware of engaging in any activities that would warrant such action, and I am left perplexed by this sudden development. The closure of my personal checking account has created considerable inconvenience for me, and I am eager to understand the circumstances surrounding this decision. Additionally, it's worth noting that my business account, associated with the company XXXX XXXX and domiciled at XXXX XXXX XXXX, XXXX, Texas XXXX, is also with Bank of America XXXX This situation has not only left me personally frustrated but has raised concerns about the status of my business account as well. I have been informed that I need to visit a Bank of America branch to allegedly prove my identity, for why? And i am in XXXX for a few weeks for my job, it is impractical for me to make such a trip. Given these circumstances, I find myself feeling helpless in addressing and resolving this issue. I am writing to you with the hope that you can provide insights into the reasons behind the closure of my personal checking account and any steps necessary to rectify this situation. Your understanding and assistance in this matter would be greatly appreciated. If there are specific details required from my end or alternative ways to verify my identity, please inform me accordingly. I am committed to resolving this matter and preventing any future occurrences. Thank you very much for your attention to this urgent matter. I look forward to your prompt response. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
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: Bank of America Attn : Billing Inquiries XXXX XXXX XXXX XXXX, TX XXXX Re : Notice of disputed charge to account Dear B of A Billing Inquiries Division : I am writing to dispute a charge of {$18000.00} to my credit card account on XXXX XXXX XXXX The charge is in error because the company that I hired to do work for me is in breach of contract / services not rendered. I have been working with the company, XXXX, for the entire year, giving them chance after chance to provide what they told me they would provide in their contract. However, although they attempted to over the months, they were never able to deliver. I asked for my money back last XXXX, within XXXX days of filing a dispute claim with you. They told me that they would send my request to their billing department, but then they didn't follow through. I contacted Bank of America many months ago regarding this issue, to find out how long I have to file a claim against the company. Your customer service representative told me that I have at least XXXX XXXX to file a claim, and up to XXXX XXXX This should be documented, as I know you record all phone calls. I recently received XXXX letters from you, both dated XX/XX/XXXX. XXXX letter stated that you were working on my claim, and that I should send you information to support my claim within the next XXXX days, The second letter stated that you completed your research and that my claim was denied. But you didn't give me a chance to send you my information to support my claim. I believe that you should allow me to dispute this charge for the following reasons : 1. After the company didn't perform, and after giving them plenty of time to do so, I asked them for my money back. Then, when they didn't do follow through, I filed a dispute with Bank of America within XXXX days of me asking for my money back. 2. A Bank of America Representative told me that I had XXXX years to file a dispute, and up to XXXX years. You have record of this phone conversation, since I know you record all phone calls. Please work with me on this to get a fair resolution. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Identity theft protection or other monitoring services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I'm a victim of identity theft and XXXX has admitted that their breach was the cause which lead to someone else receiving my unemployment benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I reported fraud for several transactions on my account that equaled {$1200.00}. I was told the claim was denied by Bank of America without any reasoning. After filing the initial claim and waiting the 10 days that I was told, I called back. I was then told I would be given a provisional credit. Three more days passed and then yesterday XX/XX/2024 I got a message that my claim was denied with no evidence to back it up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29045
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to formally dispute a recent inquiry that has appeared on my credit report without my consent. After reviewing my credit report, I discovered an unauthorized credit inquiry made on XX/XX/year> by Bank of America. Details of the unauthorized inquiry are as follows : Inquiry Date : XX/XX/year> Creditor/Company Name : Bank of America Inquiry Type : Hard Enquiry I have not provided any authorization for this inquiry, nor do I have any business relationship with Bank Of America XXXX As a consumer, I am entitled to know the details of any information accessed on my credit report and to dispute any unauthorized inquiries. I am formally requesting that you investigate this matter promptly and remove the unauthorized inquiry from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A