Bank of America, National Association Corporate

Complaint ID: 8232115

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Problem when making payments

Subissue: You never received your bill or did not know a payment was due

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8231986

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: Unauthorized email account that was been use as primary email. For few months I found out few weeks ago .and I made changes, and put back my email as primary. But forget to take pic of the other email. So I log back in to take pic and it was no longer there. So I call customer service for bank of America to ask a copy of the email that was pasing as my primary email. And they claim is not there anymore I been gone the lady said. I insist that they must have a a record of it. But was denied. I even ask the lawyer I had for XXXX XXXX about it he claimed that he wouldn't do such thing without asking me first. He is no longer my lawyer either

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8231823

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: Previously I transferred about XXXX USD from my checking account to my credit card by mistake. XX/XX/XXXX, I called Bank of America ( XXXX ) to request a refund of this overpayment. The telephone agent helped me initiate an online refund to my checking account. And she told me that it will take 7-10 business days. Then I wait. Today ( XX/XX/XXXX ), I still haven't received the refund and the money still stays on my credit card balance, which is against the law : the creditor shall refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer - 12 C.F.R. 1026.11 ( 2024 ). I have already made a complaint on XX/XX/XXXX. BofA called me on XXXX XX/XX/XXXX, but I didn't answer the call because I was attending a course. After the course, I called her back, but there was no reply ( about XXXX ). And she still has not yet called me back until now! I don't understand why this is so hard to transfer my own money. Why it takes so long???!!! Over 7 business days, of course, even over 10 business days!!!!!

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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