CFPB Complaint

BANK OF AMERICA, NATIONAL ASSOCIATION – CFPB Complaint

Consumer Complaint Submission

Date Received: 2018-10-06T00:00:00

Product: Credit card debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: ON XX/XX/XXXX I PAID MY BALANCE OF {$3600.00} TO BANK OF AMERICA CREDIT CARD, ON XX/XX/XXXX I CALLED AND ASKED THAT THE ACCT. BE CLOSED, BECAUSE I HAD ACCT. INFO STOLEN & PHISHING SCAMS. I ASKED IF MY BALANCE WAS XXXX, WAS TOLD YES. ON XX/XX/XXXX XXXX XXXX XXXX ATTEMPTED TO TAKE A FRAUDULENT PAYMENT FROM MY CLOSED CHECKING ACCT. OF {$36.00}, WHEN IT WAS REFUSED, THEY CHARGED MY CARD A FRAUDULENT {$27.00} RETURN CHECK FEE ON MY CLOSED XXXX BALANCE ACCT. I SPENT 3 DAYS TRYING TO STRAIGHTEN THIS ERROR OUT WITH THEIR CS AGENTS WHO SOMETIME DURING THIS EVIL, SENT THIS {$27.00} CHARGE TO REGULATORY COMPLAINT SERVICING ( A DEBT COLLECTION AGENCY ) i GOT A CALL FROM XXXX XXXX XXXX WHOSE EXT # I DID NOT GET IN THE MESSAGE SENT TO ME AT XXXX XXXX ON XX/XX/XXXX. I CAN NOT REACH THIS COMPANY AND I CAN NOT GET THROUGH TO XXXX XXXX XXXX.

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

State/Zip: TN 376XX

Company Response to Complaint: Closed with monetary relief

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3039346

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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