Bank of America, National Association Corporate

Complaint ID: 8322397

Product: Money transfer, virtual currency, or money service

Sub-Product: Domestic (US) money transfer

Issue: Other transaction problem

Subissue:

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: On XX/XX/year> @ XXXXXXXX XXXX XXXX XXXX XXXXXXXX ), I received a call from XXXX # XXXX from Bank of America. XXXX works in the fraud department and asked me about a check and wanted to know if I wrote it. I said no and said he would stop payment on this and he transferred me to another fraud specialist named XXXX # XXXX. She asked me for my social security number and I gave it to her and realized that was not a good idea and I told her I would call her back to get information and she HUNG up on me. I immediately called the bank back to inform the bank I had scammers calling me pretending to be the bank because the number XXXX called from was XXXX XXXX number and not the bank. The bank made me feel better because XXXX and XXXX do work for the bank. And the representative of the bank said that I did approve the check. She changed the check to fraud. I told the bank to listen to the recordings so the bank could listen to me saying no. The bank said the check was not cashed and I would get my money back in two days. I went into my account and looked at the check and it was cashed # XXXX {$4500.00} to a XXXX XXXX XXXX. I reached out to the XXXX XXXX where the check was cashed XXXX XXXX XXXX. I spoke to the CEO and he said the check was approved by the BOA and he was concerned as to why BOA never contacted him about this matter. I spent 3 days working on this ... one BOA employee said that XXXX is a really nice guy and would never do this on purpose and that they will be retraining him. If you would like to see the check that XXXX approved let me know. I am so glad that I called the bank back after talking to XXXX after she hung up on me. If I had not called back, XXXX would have changed the check as fraud after XXXX approved it without my consent. And I never would have known. I filled out a report to the Federal Trade Commission. I went to the Police Department and they said, we are short staffed, filing reports takes a long time and as always people filing the reports never get justice. I am not able to get the recordings or my notes entered from BOA. I believe that I found a fraud glitch in the BOA system. I asked BOA why XXXX called me from a State of California XXXX # and they said BOA uses their number. I believe I have my money back. I am not closing my account because if I do I won't be able to contact them about this situation if I have more questions.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

---

Complaint ID: 8321520

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Subissue: Account information incorrect

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: Dear Bank of America, I am writing to address a concerning issue regarding our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have come to realize that there are significant discrepancies and breaches of trust on your part. I extended my credit with Bank of America in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that Bank of America has failed to perform its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books. It is unacceptable for Bank of America to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, Bank of America failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341. I demand that Bank of America rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit. I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing. Done in good faith.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---

Complaint ID: 8321419

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Subissue: Account information incorrect

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: To whom it may concern, I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report and i noticed some late payments posted to my credit report : Bank of America, account # XXXX Your company is in clear violation of the law. Under 15 usc 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except As provided in paragraph ( 3 ), the term " Consumer Report " does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing Information solely as the transaction or experiences between the consumer and the person making the report. ** Delete the above late payments from my consumer report, this company is in violation of 15 USC 1681. Failure to respond satisfactorily with the deletion of the above referenced account and send out a free copy of my report after changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent and Enablement of identity fraud 3. Fair debt collection practices act 15 USC 1692G violations 4. Fear credit reporting act 15 USC 1681 violations for willing compliance 616 civil liability for willful and noncompliance ( 15 USC 1681n )

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---