Date Received: 2024-03-11
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: COVID XXXX bank of American Edd account my name Is XXXX XXXX XXXX over 20 times there was a fraud freeze on the accounts and hours everyday getting it in frozen over 5 times I had to find a branch go in there and prove it was me fraudulent charges over XXXX dollars in fraud charges was lost and they just treated me like it was my fault and at least 20 times of over charged fee ATM on the account two people had stolen my identity and I had to have a assemblysm for ca and XXXX XXXX on your side just to finally get the benefits and after I got them every time I used the card daily fraud freeze where put it there and hours spent getting the funds open again multiple times charges that where not I'm where on there and I call the bank and they issued mye a new card but didn't put the money back on there and it was the worse experience I've ever dealt with literally every transaction action would put a freeze on the account over the course of two years 200 hours spent getting the fraud freezes lifted and the very next charge it was block again and with that process being so bad the charges that happen that where notine I told them fill out the form to report but never got any funds replaced my ss XXXX open account at Edd four months after coivid happen and didn't receive any benefits for a year and after that it was the worse experience I've ever dealt with
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2024-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-11
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: I had a charge for {$26.00} dollars for a service not provided. Bank of America made it impossible to reach someone to dispute. After reaching someone with a complaint to cfpb they reached out and gave a temporary credit which they removed after few days. We never got any merchandise and went called back one agent hanged up, another one in AZ said that merchants are always right saying he will close the case. After attempted to resolve and when calling again either a recording says the service center is closed or they put on hold and disconnect. Bank of America is being dishonest and disrespectful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2024-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I received a notification that Bank of America removed my discharged bankruptcy information on their credit cards I had and added a remark of being several days past due. This error caused my credit score to drop XXXX points causing it to he XXXX. Someone has mistakenly made this change and has affected my credit and causing a hardship to now be able to be in immediate position to move if needed. They need to correct this outrageous life affecting error and put all of those bankruptcy XXXX XXXX discharge information/coding back onto all of those credit cards they incorrectly removed and return my credit score to the XXXX range that it was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Bank of America claims department I was out of the state when all these transactions were made I'm traveling nurse and XXXX was stolen out of my account and when they said I made these transactions I asked him for the proof and they have not set sent me any proof at all they just submitted another claim for reconsideration they are hoping to drag this out because it's from unemployment
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: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: My original complaint based on your prompts does not apply. Complaint # XXXX The bank charged me for a low amount in account. My issue is I never " changed '' my account to the type of account that would incur a charge. And they tell me it has always had this fee since XX/XX/1982! I've requested all statements since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Our business wrote out a check in XX/XX/XXXX which was deposited in XXXX of XXXX. the check was deposited AGAIN in XXXX of XXXX. I called the bank ( bank of america ), and complained to them asking them why they let the same check go through twice, they then credited my account and all was was good, until they REVERSED the credit, and I was in a minus of XXXX USD, I then reached out again to the bank and was on the phone over an hour, being sent from department to department with no end in sight.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10950
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My deposit is being held AGAIN for over XXXX days and I want to know the penalty they will receive for doing this illegal XXXX AGAIN!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89503
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/2024, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the XXXX Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/2024, the Internal Revenue Service issued a processed and accepted XXXX, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the XXXX. Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/year>, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the 1099-C. Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A