{"took":323,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":117225,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"1669460","_score":7.899833,"_source":{"product":"Mortgage","complaint_what_happened":"THIS COMPLAINT RELATED TO CFPB CASES:XXXX XXXX AND XXXX pROPERTY SET FOR FORECLOSURE XXXX XXXX, 2015.XXXX REPORTS BANK OF AMERICA AS LENDER THEN REPORTS LSBO ( LOANS SERVICE BY OTHERS ) AS LENDER OF PROPERTY. Bank of America unable to procuce promissory note or mortgage deed. XXXX produced fabricated document which needs to be verified by Bank of America. Bank of America needs to approve that this assignment deed is support by Bank of America becuse this fabricated deed use to foreclosure on property not owned or without document of lender. \nREQUESTING BANK OF AMERICA TO STOP FORECLOSURE SET XXXX XXXX, 2015. \nBank of America submit COPY of original promissory noteBank of America submit COPY of mortgage or deed of trustBank of America submit COPY of all assignments of mortgageBank of America submit COPY of endorsementsBank of America submit COPY of deed of trust transferBank of America submit COPY of sale of property to Bank of AmericaBank of America submit COPY of sale of property to LSBOBank of America submit COPY of Servicer Letter of XXXX XXXXBank of America submit COPY of document to order this foreclosureDID BANK OF AMERICA SIGN issue documents to approve foreclosureBank of America submit COPY of XXXX employed by LSBOBank of America submit document of XXXX employed by LSBOBank of America submit document of XXXX XXXX Bank employed by BOA","date_sent_to_company":"2015-11-24T08:15:21.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"FHA mortgage","zip_code":"30228","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"1669460","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-11-24T08:15:20.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Bank of <em>America</em> submit COPY of original promissory noteBank of <em>America</em> submit COPY of mortgage or deed of trustBank of <em>America</em> submit COPY of all assignments of mortgageBank of <em>America</em> submit COPY of endorsementsBank of <em>America</em> submit COPY of deed of trust transferBank of <em>America</em> submit COPY of sale of property to Bank of <em>America</em>Bank of <em>America</em> submit COPY of sale of property to LSBOBank of <em>America</em> submit COPY of Servicer Letter of XXXX XXXXBank of <em>America</em> submit COPY of document to order this foreclosureDID"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.899833,"1669460"]},{"_index":"complaint-public-v1","_id":"4422904","_score":7.7734137,"_source":{"product":"Mortgage","complaint_what_happened":"I am currently in a lawsuit as myself and Bank of America is named a defendants I have called Bank of America to ask what is their current interest in the property meaning is Bank of America the beneficiary or the Servicer of the loan Also has Bank of America forwarded the lawsuit to current Servicer if not Bank of America Bank of America current attorneys who sub into the case seems to be supporting plaintiff -when the ask if there is a current mortgage Bank of America remained quiet. As well as is Bank of America provided my mortgage balance pay off demand to a third party - HOA and if so how if Bank of America is not servicing loan.","date_sent_to_company":"2021-06-01T22:08:45.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"Conventional home mortgage","zip_code":"XXXXX","tags":null,"has_narrative":true,"complaint_id":"4422904","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-06-01T21:53:19.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I am currently in a lawsuit as myself and Bank of <em>America</em> is named a defendants I have called Bank of <em>America</em> to ask what is their current interest in the property meaning is Bank of <em>America</em> the beneficiary or the Servicer of the loan Also has Bank of <em>America</em> forwarded the lawsuit to current Servicer if not Bank of <em>America</em> Bank of <em>America</em> current attorneys who sub into the case seems to be supporting plaintiff -when the ask if there is a current mortgage Bank of <em>America</em> remained quiet."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.7734137,"4422904"]},{"_index":"complaint-public-v1","_id":"2569835","_score":7.7289276,"_source":{"product":"Mortgage","complaint_what_happened":"IN PLAIN SIGHT, BANK OF AMERICA PLACED ITS NAME AS LENDER IN PLACE OF XXXX XXXX XXXX ON A IN-HOUSE MODIFICATION ON A MORTGAGE LOAN BANK OF AMERICA NEVER FINANCED Although, XXXX XXXX XXXX was the original lender on my loan XXXX XXXX XXXX went bankrupt and this is where Bank of Americas corruption begins. In plain sight, Bank of America has committed one of the biggest schemes of all time. Bank of America has no standing on our loan and Bank of America was never the lender on our loan. The Chain of Title is broken and the chain of title was never maintained and preserved through the use of formal written documents on our mortgage loan proving Bank of America never financed our loan. Bank of America never bought out our loan. Bank of America never bought out our loan and transferred title. Bank of America placed its name as LENDER on a mortgage loan that Bank of America never ever financed, refinanced, transferred or bought out from another lender. In plain sight, Bank of America placed its name as lender in place of XXXX XXXX XXXX on a In-House modification. Upon requesting Bank of America to correct the In-House modification documents and remove Bank of America as Lender and replace their name with the correct lender, Bank of America tried to do a short sale without our permission and then Bank of America transferred our loan to XXXX XXXX XXXX XXXX in an attempt to cover up wrong doing. A investigation of all consumers who received Bank of America In-House modifications and meet conditions A through G listed below will result in a class action law suit against Bank of America on behalf of all mortgage loans that originated with XXXX XXXX XXXX and meets the following conditions : A ) Firstly, mortgage loan was financed by XXXX XXXX XXXX.\nB ) Secondly, mortgage loan was serviced by XXXX XXXX.\nC ) Thirdly, mortgage loan was serviced by Bank of America.\nD ) Fourthly, Bank of America denied mortgage for a Hamp Modification.\nE ) Fifthly, Bank of America did a In-House Modification.\nF ) Sixthly, Bank of America put its name in place of XXXX XXXX XXXX as lender on In-House Modification documents.\nG ) Seventhly, Bank of America transferred Loan to XXXX XXXX XXXX.","date_sent_to_company":"2017-07-10T06:42:23.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"85249","tags":"Servicemember","has_narrative":true,"complaint_id":"2569835","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-07-10T06:12:50.000Z","state":"AZ","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["IN PLAIN SIGHT, BANK OF <em>AMERICA</em> PLACED ITS NAME AS LENDER IN PLACE OF XXXX XXXX XXXX ON A IN-HOUSE MODIFICATION ON A MORTGAGE LOAN BANK OF <em>AMERICA</em> NEVER FINANCED Although, XXXX XXXX XXXX was the original lender on my loan XXXX XXXX XXXX went bankrupt and this is where Bank of <em>Americas</em> corruption begins. In plain sight, Bank of <em>America</em> has committed one of the biggest schemes of all time. Bank of <em>America</em> has no standing on our loan and Bank of <em>America</em> was never the lender on our loan."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.7289276,"2569835"]},{"_index":"complaint-public-v1","_id":"8087746","_score":7.687362,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Monday, XXXX XXXX XXXX   Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required On Accounts : American Express- Non-Compliance with Written Instructions USPS TRACKING NUMBER : XXXX  And Previous Recission of Permission to Furnished Data on My Consumer Report via Affidavit of Suretyship. \n\nDear Consumer Financial Protection Bureau, I am writing to follow up on opt-out letters dated XX/XX/XXXX, opt out letters with notice to cure sent XX/XX/XXXX, and Affidavits of Suretyship  Notarized XXXX XXXX XXXX   in which I formally exercised my right to opt out of all authorizations, whether written or unwritten, verbal or non-verbal, that I have given to American Express XXXX XXXX and XXXX. This opt-out request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 -Obligations with respect to disclosures of personal information. \n\nRegrettably, American Express, XXXX and XXXX have chosen to ignore both of my opt-out letters entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. \n\nThis is an ongoing and egregious violation of my consumer rights, as detailed in my previous communications. I must assert my demand for appropriate remedies to rectify the harm caused by the continued dissemination of inaccurate and unauthorized information. \n\nAs previously stated, I have unequivocally rescinded all permission for the furnishing of my personal information, in perpetuity, in accordance with the Fair Credit Reporting Act ( 15 U.S.C 1681 ), Section 604. Despite these clear and legally binding instructions, American Express, XXXX and XXXX have persistently and willfully disregarded the law, leading to a severe compromise of my privacy and financial well-being. \n\nThe repeated and intentional violation of federal statutes, including the Fair Credit Reporting Act ( 15 U.S.C 1681 ) and the Protection of Nonpublic Personal Information ( 15 U.S.C 6801 ), raises grave concerns about American Express, XXXX and XXXX 's commitment to respecting the privacy and security of consumers ' nonpublic personal information. \n\nAt This Time, I am disputing the following accounts : Company Name : Account Number 1. American Express Account Ending : XXXX 2. American Express Account Ending XXXX 3. American Express Account Ending : XXXX 4. American Express Account Ending : XXXX 5. American Express Account Ending : XXXX 6. American Express Account Ending : XXXX 7. American Express Account Ending : XXXX 8. American Express Account Ending : XXXX 9. American Express Account Ending : XXXX 10. American Express Account Ending : XXXX 11. American Express Account Ending XXXX 12. American Express Account Ending XXXX 13. American Express Account Ending XXXX 14. American Express Account Ending XXXX 15. American Express Account Ending XXXX 16. American Express Account Ending : XXXX 17. American Express Account Ending : XXXX 18. American Express Account Ending : XXXX 19. American Express Account Ending : XXXX 20. American Express Account Ending : XXXX 21. American Express Account Ending : XXXX 22. American Express Account Ending : XXXX Below shows the proof of correspondence for Opt-Out Letters, notice to cure opt-out letters, and Affidavits of Suretyship sent by me to each company which have been fraudulently disregarded. See Additional Attachments for Copies of Contents Sent. \n\nAFFADAVIT OF SURETYSHIP  Company Name : Contact Attempts Certified Mail Tracking Number XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1st Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Because the first contact attempts were disregarded, I saw fit to send a second attempt ; although by law, I am not required to tell an agency more than once to have these rectified. As such, they should have been rectified after receiving the first written instruction. \n\nXXXX 2nd Sent on XX/XX/XXXXXXXX  on route. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2nd Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2nd Delivery on XX/XX/XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX All attempts to have my written instruction performed properly have not been successful or rectified as of today by XXXX nor XXXX. \n\nOPT-OUT LETTERS Company Name Contact Attempt for Account Number Certified Mail Tracking Number American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending : XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX American Express Account Ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE TO CURE OPT-OUT LETTER : Accounts Enclosed : 1. American Express Account Ending : XXXX 2. American Express Account XXXX XXXX 3. American Express Account Ending : XXXX 4. American Express Account Ending : XXXX 5. American Express Account Ending : XXXX 6. American Express Account Ending : XXXX 7. American Express Account Ending : XXXX 8. American Express Account Ending : XXXX 9. American Express Account Ending : XXXX 10. American Express Account Ending : XXXX 11. American Express Account Ending XXXX 12. American Express Account Ending XXXX 13. American Express Account Ending XXXX 14. American Express Account Ending XXXX 15. American Express Account Ending XXXX 16. American Express Account Ending : XXXX 17. American Express Account Ending : XXXX 18. American Express Account Ending : XXXX 19. American Express Account Ending : XXXX 20. American Express Account Ending : XXXX 21. American Express Account Ending : XXXX 22. American Express Account Ending : XXXX Tracking Number : XXXX XXXX XXXX XXXX XXXX XXXX DELIVERED to American Express in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USPS tracking shown in attachments ) The Above shows a list of every account that has been Opted Out of data Furnishing with American Express including their tracking number displaying that they have been delivered and received. All attempts to have my written instruction performed properly have not been successful or rectified as of today. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2024-01-02T01:55:52.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"80012","tags":null,"has_narrative":true,"complaint_id":"8087746","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-01-02T01:09:27.000Z","state":"CO","company_public_response":null,"sub_issue":"Reporting company used your report improperly"},"highlight":{"complaint_what_happened":["<em>American</em> Express Account Ending XXXX 3. <em>American</em> Express Account Ending : XXXX 4. <em>American</em> Express Account Ending : XXXX 5. <em>American</em> Express Account Ending : XXXX 6. <em>American</em> Express Account Ending : XXXX 7. <em>American</em> Express Account Ending : XXXX 8. <em>American</em> Express Account Ending : XXXX 9. <em>American</em> Express Account Ending : XXXX 10. <em>American</em> Express Account Ending : XXXX 11. <em>American</em> Express Account Ending XXXX 12. <em>American</em> Express Account Ending XXXX 13."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[7.687362,"8087746"]},{"_index":"complaint-public-v1","_id":"1846036","_score":7.681797,"_source":{"product":"Mortgage","complaint_what_happened":"Bank of America Accounts compromise, Bank of America personal checking account, Bank of America Business DBA Account, Bank of America Merchant Account, Bank of America XXXX XXXX IRA, Bank of America secure Platinum Credit Card Account, Bank of America Home Loan Account. My accounts compromise, without no reason code, tried to close My accounts. I have all the legal documents for my accounts, My accounts have large legal payments, verbal, written, Documentation for all my Bank of America Accounts. Documentation has been filed with the irs, tax, Congressman XXXX XXXX, XXXX","date_sent_to_company":"2016-03-23T13:12:09.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"381XX","tags":"Servicemember","has_narrative":true,"complaint_id":"1846036","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2016-03-23T13:12:08.000Z","state":"TN","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Bank of <em>America</em> Accounts compromise, Bank of <em>America</em> personal checking account, Bank of <em>America</em> Business DBA Account, Bank of <em>America</em> Merchant Account, Bank of <em>America</em> XXXX XXXX IRA, Bank of <em>America</em> secure Platinum Credit Card Account, Bank of <em>America</em> Home Loan Account. My accounts compromise, without no reason code, tried to close My accounts."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.681797,"1846036"]},{"_index":"complaint-public-v1","_id":"7257271","_score":7.6766915,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Bank of America has discriminated against me through multiple applications. I received no benefit from any of the credit application I submitted to Bank of America. I am demanding that Bank of American give me my application due to me not receiving the credit for my personal, family and household use. Bank of America has a duty to keep my application on file for no less than one year. Bank of American has discouraged me from ever applying for credit due to Bank of American not making credit accessible to me and my family. This has caused us severe harm and injuries due to Bank of America refusing to offer any type of accommodations or a legal reason as to why they will not offer me products or services. Bank of America is the only bank close enough for me and my family use and yet I am unable to use their services or products due to Bank of America discriminating against me. As a single mother of three, Bank of America furnishing inquiries on my consumer report but not approving me for the requested product has caused XXXX XXXX and unrecoverable Finacial harm and distress. Bank of America pattern of scamming and harming consumer is duly noted by the CFPB and I am still being victimized by Bank of America. \nI have exhausted all efforts of trying to resolve this matter privately with Bank of America and will be forced to pursue other legal venues if Bank of America continues its deceptive, unfair, and prohibited actions against me ( the consumer )","date_sent_to_company":"2023-07-15T16:44:47.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"23834","tags":"Servicemember","has_narrative":true,"complaint_id":"7257271","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-07-15T16:02:38.000Z","state":"VA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Bank of <em>America</em> has discriminated against me through multiple applications. I received no benefit from any of the credit application I submitted to Bank of <em>America</em>. I am demanding that Bank of <em>American</em> give me my application due to me not receiving the credit for my personal, family and household use. Bank of <em>America</em> has a duty to keep my application on file for no less than one year."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.6766915,"7257271"]},{"_index":"complaint-public-v1","_id":"2688055","_score":7.6761684,"_source":{"product":"Mortgage","complaint_what_happened":"The complaint and supporting documents are attached.This complaint is against Bank of America, N.A.On XX/XX/XXXX, I filed a CFPB complaint against Bank of America. See complaint number XXXX.On XX/XX/XXXX, Bank of America responded in a letter, alleging that it could not respond to my CFPB complaint because of an, “adversarial proceeding” between me and Bank of America. The letter also instructed me to contact Bank of America with any questions. Exhibit APursuant to the letter, onXX/XX/XXXX, I contacted Bank of America and asked for the contact information of its legal counsel in the “adversarial proceeding” referred to in Bank of America’sXX/XX/XXXX letter. See, Exhibit B. Bank of America received my request on XX/XX/XXXX. See, Exhibit C.I have received no response from Bank of America to what would seem to be a very simply question. Does the CFPB not find it odd, that Bank of America will not identify the “adversarial proceeding” it claims to be engaged in, that prevents it from answering my complaint? Further, is it not odd that Bank of America will not provide the contact information of its legal counsel in that alleged “adversarial proceeding?”I am asking that Bank of America identify the “adversarial proceeding” that it claims to be engaged in, that prevents it from answering my complaint. Further, I am asking that Bank of America provide the contact information of its legal counsel in that “adversarial proceeding.”","date_sent_to_company":"2017-09-29T07:49:28.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"875XX","tags":null,"has_narrative":true,"complaint_id":"2688055","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-09-29T03:37:51.000Z","state":"NM","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["The complaint and supporting documents are attached.This complaint is against Bank of <em>America</em>, N.A.On XX/XX/XXXX, I filed a CFPB complaint against Bank of <em>America</em>. See complaint number XXXX.On XX/XX/XXXX, Bank of <em>America</em> responded in a letter, alleging that it could not respond to my CFPB complaint because of an, “adversarial proceeding” between me and Bank of <em>America</em>. The letter also instructed me to contact Bank of <em>America</em> with any questions."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.6761684,"2688055"]},{"_index":"complaint-public-v1","_id":"2027333","_score":7.6738195,"_source":{"product":"Debt collection","complaint_what_happened":"An American Express representative, XXXX specifically told us to send our power of attorney and change in contact information ( with sensitive financial information ) to the fax number XXXX. The American Express representative stated this was an American Express fax number. \n\nAfter receiving a call from an unknown company that represented themselves as American Express at XXXX. It asked for our credit card number. \n\nWe then directly contacted American Express. An American Express representative, XXXX, told us they received the fax but that they would only take hard copies, in spite of the earlier call. \n\nAlthough the American Express representative gave us a mailing address that was identified as an American Express address, it is not. It is the address for a company named XXXX. \n\nWe again called American Express representative who told us that XXXX had no connection to American Express. She also verified that our account was not sent to a third party debt collector. \n\nThis is fraud.","date_sent_to_company":"2016-07-24T18:55:10.000Z","issue":"Improper contact or sharing of info","sub_product":"Credit card","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"2027333","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2016-07-24T18:55:09.000Z","state":"FL","company_public_response":null,"sub_issue":"Talked to a third party about my debt"},"highlight":{"complaint_what_happened":["An <em>American</em> Express representative, XXXX specifically told us to send our power of attorney and change in contact information ( with sensitive financial information ) to the fax number XXXX. The <em>American</em> Express representative stated this was an <em>American</em> Express fax number. \n\nAfter receiving a call from an unknown company that represented themselves as <em>American</em> Express at XXXX. It asked for our credit card number. \n\nWe then directly contacted <em>American</em> Express."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[7.6738195,"2027333"]},{"_index":"complaint-public-v1","_id":"14136949","_score":7.6580257,"_source":{"product":"Credit card","complaint_what_happened":": Bank of America XXXX 2025 Bank of America. XXXX XXXX XXXXXXXX XXXX. XXXX Bank of America,,.,.,.,,, Bank of America,.. - XXXX XXXX,XXXX XXXX XXXX XXXX XXXX  Bank of America,,. XXXX XXXX","date_sent_to_company":"2025-06-17T06:29:03.000Z","issue":"Closing your account","sub_product":"General-purpose credit card or charge card","zip_code":"90046","tags":null,"has_narrative":true,"complaint_id":"14136949","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-06-17T06:10:01.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Company closed your account"},"highlight":{"complaint_what_happened":[": Bank of <em>America</em> XXXX 2025 Bank of <em>America</em>. XXXX XXXX XXXXXXXX XXXX. XXXX Bank of <em>America</em>,,.,.,.,,, Bank of <em>America</em>,.. - XXXX XXXX,XXXX XXXX XXXX XXXX XXXX  Bank of <em>America</em>,,. XXXX XXXX"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.6580257,"14136949"]},{"_index":"complaint-public-v1","_id":"1663979","_score":7.6521626,"_source":{"product":"Mortgage","complaint_what_happened":"XXXX XXXX Bank attempts to foreclosue on property. XXXX XXXX XXXX XXXX XXXX Bank Processor stated Bank of America was holder of promissory note/ mortgage deed.XXXX Bank was lender of property until FDIC take over XXXX XXXX Bank in 2009 and sold XXXX XXXX Bank to XXXX XXXX XXXX XXXX Bank XXXX Held conference with XXXX Bank reported mortgage accounts were sold to Bank of America. Conference with Bank of America revealed mortgage loan was not with Bank of America. XXXX XXXX Bank informed Bank of America that mortgage account was with Bank of America in memo. Another memo stated mortgage loan was with XXXX Department of Bank of America. None of Bank of America Executivesknew about a XXXX Department in Bank of America. Bank of America President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of America nor XXXX Department. Appromimately XXXX Bank of America personnel including executives have reported Bank of America is not lender on mortgage loan. Several Bank of America executive have reported not to know anything about XXXX DEPARTMENT OF BANK OF AMERICA. XXXX XXXX BANK REPORTED IN MEMO THAT THEY DO N'T HAVE NO CONTACT NUMBER TO XXXX AND ALSO BANK OF AMERICA REPORTED THEY HAVE NO CONTACT NUMBER XXXX ... NOW QUESTIONS : I AM REQUESTING COPY of original promissory note I AM REQUESTING COPY of mortgage or deed of trust I AM REQUESTING COPY of all assignments of mortgage I AM REQUESTING COPY of endorsements I AM REQUESTING COPY of deed of trust transfer I AM REQUESTING COPY of sale of property to Bank of America I AM REQUESTING COPY of sale of property to XXXX I AM REQUESTING COPY of Servicer NOTICE Letter of XXXX XXXX Bank DOES XXXX XXXX WORK FOR LSBO OR BANK OF AMERICAIS XXXX A CONVERT OPERATION.NO EXECUTIVES RECOGNIZING XXXXIS XXXX THE LENDER OF THIS MORTGAGE LOAN","date_sent_to_company":"2015-11-23T20:17:35.000Z","issue":"Loan modification,collection,foreclosure","sub_product":"FHA mortgage","zip_code":"30228","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"1663979","timely":"Yes","company_response":"Closed","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-11-19T18:14:44.000Z","state":"GA","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["XXXX XXXX Bank informed Bank of <em>America</em> that mortgage account was with Bank of <em>America</em> in memo. Another memo stated mortgage loan was with XXXX Department of Bank of <em>America</em>. None of Bank of <em>America</em> Executivesknew about a XXXX Department in Bank of <em>America</em>. Bank of <em>America</em> President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of <em>America</em> nor XXXX Department."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.6521626,"1663979"]},{"_index":"complaint-public-v1","_id":"11391294","_score":7.6462145,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"On XX/XX/year>, I was defrauded of XXXX dollars from an individual who impersonated themselves as a member of the Bank of America XXXX Department. They sent me security codes with Bank of America XXXX on them and then contacted Bank of America and denied me to speak for myself on the telephone contact for the wire transfer. I was not aware that there was a wire transfer was taking place and there was no legitimacy to the actual wire transfer. Bank of America made no attempt to contact me directly about the wire transfer. They just assumed that it was legitimate. No attempt to block the transfer was given as Bank of America did not call me. In the past, with any sizable transaction, I would receive a phone call from Bank of America asking for clearance on the money transaction. This didn't happen. Bank of America has denied any responsibility in returning any of the money from the transfer. They checked on the account with XXXX Bank, that was the destination of the wire transfer, and no money was in the account. Of course not, the money had been taken by the scammers. From the impersonation of XXXX XXXX XXXX  XXXX Bank of America, the XXXX XXXX Bank of America XXXX, the denial to speak to Bank of America by the scammers, but most of all, the lack of follow through by Bank of America to call me to check on the legitimacy of the wire transfer. Bank of America did not protect its customer. XXXX I could have stopped the whole process by denying the wire transfer. The scammers took advantage of me emotionally as my wife had just recently been robbed of her Bank of America XXXX in a robbery, the Bank of America didn't step up and contact me to enable me to deny this transaction.","date_sent_to_company":"2025-01-05T20:34:16.000Z","issue":"Other transaction problem","sub_product":"Domestic (US) money transfer","zip_code":"641XX","tags":"Older American","has_narrative":true,"complaint_id":"11391294","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-05T19:57:26.000Z","state":"MO","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["From the impersonation of XXXX XXXX XXXX  XXXX Bank of <em>America</em>, the XXXX XXXX Bank of <em>America</em> XXXX, the denial to speak to Bank of <em>America</em> by the scammers, but most of all, the lack of follow through by Bank of <em>America</em> to call me to check on the legitimacy of the wire transfer. Bank of <em>America</em> did not protect its customer. XXXX I could have stopped the whole process by denying the wire transfer."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.6462145,"11391294"]},{"_index":"complaint-public-v1","_id":"4148786","_score":7.6396546,"_source":{"product":"Mortgage","complaint_what_happened":"Bank of America began foreclosing on my home. I reached out to Bank of America and was told that I would be given the opportunity to modify my mortgage. I called Bank of America several times, left voicemails and no one returned my calls. On XX/XX/2021 I received a letter from Bank of America and was told that Bank of America made a mistake and that there was {$18000.00} that Bank of America overcharged me this the monthly mortgage payment would change. \nFurthermore, I was contacted by Bank of America 's attorney via email on XX/XX/2021 with an attachment from Bank of America dated XX/XX/2021 which states that I can be re-evaluated. I called Bank of America on XX/XX/2021 and was told that they could not speak with me. Please help I don't want to be foreclosed upon.","date_sent_to_company":"2021-02-18T18:47:58.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"33617","tags":null,"has_narrative":true,"complaint_id":"4148786","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-02-18T18:30:03.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Bank of <em>America</em> began foreclosing on my home. I reached out to Bank of <em>America</em> and was told that I would be given the opportunity to modify my mortgage. I called Bank of <em>America</em> several times, left voicemails and no one returned my calls. On XX/XX/2021 I received a letter from Bank of <em>America</em> and was told that Bank of <em>America</em> made a mistake and that there was {$18000.00} that Bank of <em>America</em> overcharged me this the monthly mortgage payment would change."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.6396546,"4148786"]},{"_index":"complaint-public-v1","_id":"3525862","_score":7.6389294,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"It takes multiple complaints against American Express to gradually, step by step, begin to resolve a long standing issue with the company. One of the reasons is that American Express is extremely secretive about its practices.\n\nFor over two years American Express was claiming that it was mailing some materials to me and they were returned to American Express as not deliverable. It took me a 6 hour chat with American Express representative earlier this year to trace down one source of the problem : American Express was not using United States Postal Service 's first class mail to send the materials to me, so even when it started to use my correct mailing address, the mall was not delivered to me. It appeared that American Express utilized some private package carrier and that private package carrier was not servicing my address. American Express should have realized the first time a parcel was returned back to it that the reason for return was that the mail carrier of American Express choice was not servicing my address. \n\nPrior to XX/XX/XXXX I mailed a letter to American Express that specified my full correct mailing address and the fact that the mail sent to that mailing address must be sent via United States Postal Service. Shortly after I sent my letter to American Express, I received my American Express credit card in the mailer a copy of which is attached. That mailer was the only correspondence related to my American Express credit card account ( other than the American Express responses to my CFPB complaints ) that I ever received from American Express by mail.\n\nIt appears that American Express has not corrected my mailing address on my account in XX/XX/XXXX after it had received my written instructions to do that and it continued to utilize services of a private mail carrier that was not servicing my address. \n\nAs of today I have not received the {$50.00} refund of my credit balance I had on my American Express credit card account at the time I closed my account despite the fact that I requested again to correct my mailing address during a chat session I had with an American Express representative on XX/XX/XXXX.","date_sent_to_company":"2020-02-09T22:23:07.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"3525862","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-02-09T22:00:41.000Z","state":"MA","company_public_response":null,"sub_issue":"Problem with customer service"},"highlight":{"complaint_what_happened":["Shortly after I sent my letter to <em>American</em> Express, I received my <em>American</em> Express credit card in the mailer a copy of which is attached. That mailer was the only correspondence related to my <em>American</em> Express credit card account ( other than the <em>American</em> Express responses to my CFPB complaints ) that I ever received from <em>American</em> Express by mail."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[7.6389294,"3525862"]},{"_index":"complaint-public-v1","_id":"6018389","_score":7.630255,"_source":{"product":"Checking or savings account","complaint_what_happened":"XX/XX/XXXX Dear CFPB, To my recent request to Bank of America regarding whether or not Bank of America provides reasonable accommodations to consumers who do not communicate effectively via telephone including teletype I received a rather disturbing response. \n\nI will let the public and the government agencies to judge Bank of Americas interpretation of the Americans with XXXX Act. My concern is about the fact that Bank of Americas response ( see the enclosed letter ) contains absolutely false information. \n\nBank of America in the attached letter lists multiple ways that customers with non-typical abilities can communicate with Bank of Americas representatives. I have not verified if all the options listed by Bank of America in its letter are available to the consumers, but the one I had verified is not available. Specifically, in the enclosed letter ( which by the way I had received in XXXX of XXXX despite the fact that the date on the letter in XX/XX/XXXX ) Bank of America states the following : We offer accessible options for facilitating communications such as : XXXX ... > Providing the option to email us through the secure Message Center within Online Banking. \n\nThe fact is that Bank of America does NOT provide an option for consumers to email Bank of America through the secure Message Center. This option was removed by Bank of America from its Online Banking website several years ago and it is no longer available to the consumers. \n\nConsidering that Bank of America provided incorrect or even plainly false information about one method of communication that non-typical minority customers can use, I doubt that the other methods listed in the Bank of America letter are available to the consumers.","date_sent_to_company":"2022-09-26T01:51:42.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"021XX","tags":null,"has_narrative":true,"complaint_id":"6018389","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2022-09-26T01:46:46.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem accessing account"},"highlight":{"complaint_what_happened":["XX/XX/XXXX Dear CFPB, To my recent request to Bank of <em>America</em> regarding whether or not Bank of <em>America</em> provides reasonable accommodations to consumers who do not communicate effectively via telephone including teletype I received a rather disturbing response. \n\nI will let the public and the government agencies to judge Bank of <em>Americas</em> interpretation of the <em>Americans</em> with XXXX Act."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.630255,"6018389"]},{"_index":"complaint-public-v1","_id":"7218688","_score":7.627549,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"On XX/XX/XXXX, there is an unauthorized inquiry from American Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an American Express card! Nor did I receive any letter from American Express. XXXX XXXX and American Express illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing American Express EGRIOUS NEGLIGENCE! After the XX/XX/XXXX CFPB complaint, I received letters dated XX/XX/XXXX from American Express stating that my application may have been declined in error. We apologize for any inconvenience this may have caused. What does American Express not understand? I DID NOT APPLY FOR AN AMERICAN EXPRESS CARD! Any application American Express received was unauthorized.","date_sent_to_company":"2023-07-07T17:41:57.000Z","issue":"Improper use of your report","sub_product":"Credit reporting","zip_code":"06516","tags":null,"has_narrative":true,"complaint_id":"7218688","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2023-07-07T17:36:34.000Z","state":"CT","company_public_response":null,"sub_issue":"Credit inquiries on your report that you don't recognize"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, there is an unauthorized inquiry from <em>American</em> Express on my XXXX XXXX credit report. Let it be clear, I DID NOT APPLY for an <em>American</em> Express card! Nor did I receive any letter from <em>American</em> Express. XXXX XXXX and <em>American</em> Express illegally and negligently simply refuses to remove this inquiry yet it has been confirmed it needs to be eliminated off my credit report. This is the FIFTH TIME I am addressing <em>American</em> Express EGRIOUS NEGLIGENCE!"],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[7.627549,"7218688"]},{"_index":"complaint-public-v1","_id":"16030447","_score":7.626245,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX, I opened a Savings account with American Express and follow American Express verification successfully linked external account for ACH transfer fund into my new American Express savings account. \n\nOn XX/XX/XXXX, I received an email that my account is frozen and I need to call American Express. I did call American Express and complete the verification of my external account which I think it is the hassle that American Express created. My identification and external account should have been verified when I opened the account. \n\nOn XX/XX/XXXX, I called and requested to close my account after withdraw all the fund so I don't encounter any hassle with American Express savings again. American Express may still need to pay me the interest earned. \n\nOn XX/XX/XXXX, I received an email from American Express that I need to call American express. I called American Express and they said they need to complete the identification verification. They asked me to submit the copy of my ID and self photo thru the link that sent to me via text message. I was told the verification result failed. American Express refused to close my account and pay me the remaining interest earning. \n\nAgain, it is very frustrated with American Express verification process that they should have been done when they opened my account, but not when I fund my account or close my account.","date_sent_to_company":"2025-09-18T15:15:06.000Z","issue":"Closing an account","sub_product":"Savings account","zip_code":"91706","tags":null,"has_narrative":true,"complaint_id":"16030447","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-09-18T14:55:43.000Z","state":"CA","company_public_response":null,"sub_issue":"Can't close your account"},"highlight":{"complaint_what_happened":["On XX/XX/XXXX, I opened a Savings account with <em>American</em> Express and follow <em>American</em> Express verification successfully linked external account for ACH transfer fund into my new <em>American</em> Express savings account. \n\nOn XX/XX/XXXX, I received an email that my account is frozen and I need to call <em>American</em> Express. I did call <em>American</em> Express and complete the verification of my external account which I think it is the hassle that <em>American</em> Express created."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[7.626245,"16030447"]},{"_index":"complaint-public-v1","_id":"2675575","_score":7.6228657,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"There was a police report submitted to Bank of America. A supplement was submitted too to Bank of America. Bank of America did not address the issue on fraud that which XXXX XXXX was a victim as indicated on the police report. Bank of America is not addressing the issue. \nPayment was made thru a XXXX XXXX Bank account given by this company call \" ALSO XXXX XXXX '' and was reversed three weeks later. \nBank of America is still sending monthly statement with extra charges on interest adding on. XXXX XXXX XXXX do not owe Bank of America any monies. XXXX XXXX CREDIT CARD ACCOUNT WITH BANK OF AMERICA WAS CLOSED MANY MONTHS AGO!!!!!!! \nBank of America should reverse back the debit on XXXX XXXX credit card account back to XXXX XXXX Bank account wherein the payment was reversed. \nThis had been an ongoing dispute XXXX XXXX have been complaining on this fraud with Bank of America. \nBank of America had been asked to remove charges on XXXX XXXX billing and it seems it was not done and Bank of America refused to acknowledge her complaint. \nAll sorts of complaint had been filed with Federal Trade Commission, CFPB, California Depart of Justice, Federal Bureau of Investigation. \nAgain, XXXX XXXX XXXX do not owe Bank of America any monies. \nThe gifts cards were all consumed by the thieves per XXXX 's security department. \nBank of America should have discontinue the billing process that this isa fraud case in dispute and in the process of investigation. \nXXXX XXXX XXXX do not owe Bank of America any monies.","date_sent_to_company":"2017-09-15T22:17:05.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"95747","tags":"Older American","has_narrative":true,"complaint_id":"2675575","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2017-09-15T21:41:10.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["There was a police report submitted to Bank of <em>America</em>. A supplement was submitted too to Bank of <em>America</em>. Bank of <em>America</em> did not address the issue on fraud that which XXXX XXXX was a victim as indicated on the police report. Bank of <em>America</em> is not addressing the issue. \nPayment was made thru a XXXX XXXX Bank account given by this company call \" ALSO XXXX XXXX '' and was reversed three weeks later. \nBank of <em>America</em> is still sending monthly statement with extra charges on interest adding on."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.6228657,"2675575"]},{"_index":"complaint-public-v1","_id":"4205682","_score":7.6210375,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/XXXX I was contacted by the State of California indicating an account I had with Bank of America was not being used, and by law, Bank of America would need to return the money to the State for me to claim if I did not contact Bank of America. On XX/XX/XXXX, I contacted Bank of America and requested they send a check out for the account and close it. \n\nBank of America agreed to send out a check for XXXX, the account balance. The check was not received. I followed up in XX/XX/XXXX and Bank of America said they would investigate and it would take 15 business days. \n\nI have not heard from Bank of America since that time. \n\nI am requesting a check for {$1300.00} from Bank of America.","date_sent_to_company":"2021-03-12T05:52:56.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"95014","tags":null,"has_narrative":true,"complaint_id":"4205682","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-03-12T00:43:58.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["I followed up in XX/XX/XXXX and Bank of <em>America</em> said they would investigate and it would take 15 business days. \n\nI have not heard from Bank of <em>America</em> since that time. \n\nI am requesting a check for {$1300.00} from Bank of <em>America</em>."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.6210375,"4205682"]},{"_index":"complaint-public-v1","_id":"6711081","_score":7.619655,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/22, my company XXXX XXXX XXXX was debited {$4000.00} by Bank of America and those funds were sent to an unknown individual. I contacted Bank of America on XX/XX/22 to report the fraud. I was told by an employee of Bank of America that my funds would be recovered since the unknown party has an account at Bank of America. 45 days later, Bank of America sent me a letter refusing to refund my funds and to pursue the unknown party. I filed a small claims lawsuit to recover the funds from Bank of America. During mediation of the dispute the Bank of America representative finally gave me the name of the unknown party. He told me to call a department at Bank of America and they would provide the unknown party 's home address so I could file a police report. When I called the number I was told no information would be provided. Today at the small claims hearing the attorney representing Bank of America lied to the judge claiming I never told Bank of America the transaction was fraudulent. That has always been the case and I informed Bank of America in a timely manner of the fraud under Reg E.","date_sent_to_company":"2023-03-17T14:38:33.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"342XX","tags":null,"has_narrative":true,"complaint_id":"6711081","timely":"No","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-03-17T14:35:39.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["On XX/XX/22, my company XXXX XXXX XXXX was debited {$4000.00} by Bank of <em>America</em> and those funds were sent to an unknown individual. I contacted Bank of <em>America</em> on XX/XX/22 to report the fraud. I was told by an employee of Bank of <em>America</em> that my funds would be recovered since the unknown party has an account at Bank of <em>America</em>. 45 days later, Bank of <em>America</em> sent me a letter refusing to refund my funds and to pursue the unknown party."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.619655,"6711081"]},{"_index":"complaint-public-v1","_id":"21049199","_score":7.617186,"_source":{"product":"Checking or savings account","complaint_what_happened":"Date XX/XX/XXXX : XXXX XXXX : Amount {$130.00} Reported unauthorized ACH to Bank of America Fraud & made police report and Bank of America return funds. \n\nDate XX/XX/XXXX : The Helix : Amount {$1200.00} Reported unauthorized ACH to Bank of America Fraud and still researching 2nd claim. Bank of America has not return funds. Made Police Report. \n\nDate XX/XX/XXXX : The Helix : Amount {$1000.00} Reported unauthorized ACH to Bank of America Fraud and still researching 2nd claim. Bank of America has not return funds. Made Police Report. \n\nDate XX/XX/XXXX : RP Resident : Amount {$2.00} Reported unauthorized ACH to Bank of America Fraud and made police report and Bank of America return funds. \n\nDate XX/XX/XXXX : RP Resident : Amount {$2.00} Reported unauthorized ACH to Bank of America Fraud and made police report and Bank of America return funds. \n\nDate XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX : Amount {$1500.00} Reported unauthorized ACH to Bank of America Fraud and Bank of America return funds.","date_sent_to_company":"2026-04-08T13:45:39.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"78245","tags":null,"has_narrative":true,"complaint_id":"21049199","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2026-04-08T12:56:10.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Bank of <em>America</em> has not return funds. Made Police Report. \n\nDate XX/XX/XXXX : RP Resident : Amount {$2.00} Reported unauthorized ACH to Bank of <em>America</em> Fraud and made police report and Bank of <em>America</em> return funds. \n\nDate XX/XX/XXXX : RP Resident : Amount {$2.00} Reported unauthorized ACH to Bank of <em>America</em> Fraud and made police report and Bank of <em>America</em> return funds."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[7.617186,"21049199"]},{"_index":"complaint-public-v1","_id":"9604432","_score":7.616858,"_source":{"product":"Credit card","complaint_what_happened":"I created a dispute regarding a transaction from XXXX that took place on XX/XX/XXXX. I submitted a detailed letter of the events surrounding the event at the request of American Express. The response from American Express says I did not provide the requested document. In the letter I uploaded to American Express, I stated a representative from XXXX told me Id get a refund after order cancellation. I did not receive the refund, hence, the creation of the dispute. \nAmerican Express investigated the wrong transaction. American Express investigated a transaction from XXXX that occurred on XX/XX/XXXX. The response from American Express says the order from XX/XX/XXXX was cancelled. However, the order is still active. American Express has given me false information. \nAmerican Express did not attempt to reach out regarding the new investigation. Regrettably for American Express, the company is not dealing in good faith. If American Express can not deal in good faith, the government will force it to deal in good faith with all customers.","date_sent_to_company":"2024-07-24T21:43:37.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30296","tags":null,"has_narrative":true,"complaint_id":"9604432","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2024-07-24T21:21:10.000Z","state":"GA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>American</em> Express investigated a transaction from XXXX that occurred on XX/XX/XXXX. The response from <em>American</em> Express says the order from XX/XX/XXXX was cancelled. However, the order is still active. <em>American</em> Express has given me false information. \n<em>American</em> Express did not attempt to reach out regarding the new investigation. Regrettably for <em>American</em> Express, the company is not dealing in good faith."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[7.616858,"9604432"]},{"_index":"complaint-public-v1","_id":"13294083","_score":7.616858,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I had transferred funds using ACH on XXXX XXXX for a payment to a vendor who has an account with XXXX XXXX from my Bank of America Business Account. Bank of America Claims kept saying that they have not received the funds from XXXX The transaction was rejected by XXXX o the XXXX XXXX and as XXXX confirms that they have returned the money to Bank of America on XXXX XXXX I have not received the refund into my Bank of America account yet The trace number is XXXX I have followed up multiple times with Bank of America and was informed by Bank of America that XXXX XXXX has not sent the amount back to Bank of America even though it is over a week since the transaction has been rejected. \nI raised a CFPB complaint on XXXX XXXX CFPB complaint number XXXX. They confirmed that the money has already been sent back to Bank of America. 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I learned several weeks later that this was a scam as in catfish, XXXX XXXX XXXX XXXX scheme. I have requested Bank of America to recapture and return to me this amount. They said they can not do that. \nI felt, and so did The Bank of America, XXXX XXXX, Florida wire transfer person, confident in the transferring this because it was from XXXX Bank of America account XXXX XXXX Bank of America account. I, of course, assumed that the Bank of America account in XXXX was vetted as in some individual going into the bank location while being a videoed and documentation available as to who the individual is. \nThe fact that this Bank of America account is a XXXX XXXX  account, I would like to hold Bank of America responsible for opening that account in XXXX and therefore refunding and returning to me the wire transfer amount, even if it is out of their own pocket .. 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