Date Received: 2024-02-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: BANK OF AMERICA Account type - Credit card Date opened - XXXX XXXX XXXX Address XXXX XXXX XXXXXXXX XXXX XXXX XXXX Above Account created under BANK OF AMERICA XXXX XXXX was never late for payment of the account as I have setup an autopay system for my account. This is a billing error. According to 15 U.S. Code 1666b this is a billing error always paid as agreed on time this is an error this account in violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08820
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Paid mortgage online to Bank Of America on XX/XX/24. Their system had a glitch and withdrew 2 payments in error. When contacting BOA ( XXXX from TX ), he tried to insulate that we paid twice in error and our bank ( XXXX XXXX ) can confirm. I asked him to review our account history and confirm that we have NEVER paid twice. He said to contact our bank to confirm and they will determine who is right. Called XXXX and they said the same thing as they wouldnt know BOA system had a glitch and said they see their system pulled 1 payment correctly and the 2nd payment is in Pending status and the funds are unable to use. Said this was an unauthorized charge, but XXXX policy is if its over {$500.00}, its gon na be up to 30 days to stop and reissue, but they said to sit back and Wait & See if BOA takes their 2nd payment claim back. Called BOA back and the lady filed a claim for a refund as she said XXXX entered notes saying we made 2 payments in error. She advised itll take up to 10 days to refund back IF they took the payment. This is IMPOSSIBLE to get our money back and will be getting slammed on fees now!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deleted these inquiries delete because I didnt authorize these companies to run my credit this fraudulent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23434
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2024, I attempted to increase the minimum payment on my credit card online. Since I first got this XXXX XXXX credit card through Bank of America, I was able to set the monthly amount to be transferred from my bank account. It was always higher than the minimum payment so that I could payoff the card as soon as possible. Bank of America no longer allows the card holder to set their own minimum payment amounts. They will only deduct the minimum payment or the total outstanding balance on the account. I have a loan for a specific amount, interest free as long as I pay it off within the agreed upon limit of one year. In order to pay the higher amount, I am not able to change the amount that I want deducted. However, they will take the payment to increase the payment to the amount I want to pay if I call in and pay it over the phone. In speaking to the Bank of America agent, I was told that some customer pay the minimum amount while continuing to charge purchases, thus creating a negative balance that is greater than their credit limit. In order to address that issue all customers, even those with an excellent record of paying their bill, are unable to set up automatic deduction plans that would payoff the outstanding balance within the mandated time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93726
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Bank of America has closed my prepaid edd debit card, do to " suspicious activity '' on the card. I spoke with the fraud dept at the number on the back of my card, on XXXX XXXX @ XXXX, XXXX and XXXX secs, and again at XXXX XXXX for XXXX minutes and XXXX secs and was told that I have to go into a Bank of America branch office to verify my identity. On XX/XX/XXXX, I drove over XXXX miles to a Bank of America branch to verify my identity, and the bank refused to accept all the forms of identity I have in my possession! And will only accept a physical valid picture ID card, and refuses to accept the XXXX print out that has the exact same information on it as my expired XXXX. The XXXX has 60 days to send me my ID card and this is the only form of ID that Bank of America will accept to verify my identity so that I can access my prepaid debit card that has my edd/unemployment benefits on it. I can't survive XXXX week without access to my prepaid benefits, little own 60 days! I provided Bank of America a certified copy of my birth certificate, my social security card, my XXXX expired passport, my expired XX/XX/XXXX XXXX, the Bank prepaid debit card I've been using since XX/XX/XXXX, a print out from the XXXX, dated yesterday, showing my id card is in process and can take XXXX to receive and required my thumbprint to verify me in order to process, proof of my edd account info and Emails from XXXX regarding the " suspicious activities '' in question, and proof of online verification required to set up a unemployment claims account through XXXX. And the bank refuses to accept any of the information I have and refuses to ask me security questions, such as, the debit card passcode, or look at the emails regarding the purchases in question. The fraud dept requires a bank employee to answer 1 question in order to verify me and that is " do you have the information required to open a new bank account? '' And if the answer is " no '' they do not have what is necessary to open a new bank account, they won't verify who iam with all the proof and transaction history I have! And they will not accept anything other than the ID the XXXX has 60 days to process before I receive it, and will give my access to the government benefits on my prepaid debit card, which has and is causing me extreme financial hardship, as I have no means to survive without access to my money! I have XXXX fuel left in my car! My cellphone is going to get shut off in a few days if I can't pay for the services. This has caused me great and undo emotional anguish with no means of timely or adequate remedies or resources.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2024, the amount of {$8200.00} was accidentally submitted through our joint Bank of America account to the government loan merchant XXXX. The amount should have been {$82.00} paid monthly towards a Federal student loan with a remaining balance of under {$900.00} The {$8200.00} was debited from our checking account on XX/XX/XXXX sending our account into overdraft. We noticed the error immediately and called Bank of Americas customer service to request a stop payment on the {$8200.00}. They assured us that the amount would be stopped, and our account credited the next day. On XX/XX/2024, the {$8200.00} was refunded. Three days later, on XX/XX/XXXX, the said amount was re-debited from our account again forcing our account into overdraft. We called the bank who again assured us that the amount would be reimbursed and that XXXX, the merchant could only attempt the withdrawal twice. We were advised to call XXXX to make them aware of the situation. XXXX acknowledged the request and placed a note on file not to process the payment. The {$8200.00} was then refunded on XXXX XXXX. However, on XX/XX/XXXX, the {$8200.00} was withdrawn from our account for the third time. After speaking with Bank of America customer service reps from various departments, they again assured us that the maximum number of attempts the merchant was allowed to resubmit the amount for payment was three times, not to worry about it XXXX would not be paid. On XX/XX/XXXX, the {$8200.00} still hadnt been credited back to the account. Once again, we reached out to Bank of Americas customer service who informed us that it would take up to 48 from XX/XX/XXXX for the amount to re-appear in our account. On the morning of XX/XX/XXXX, we again called them, and this time were told that the transaction had in fact been processed allowing the payment to go through, even after multiple requests to stop payment and repeatedly being assured that the money would not be taken out. We then followed up with a visit to one of the Banks branches, sitting for an hour with the representative who was on hold for quite a long time, before receiving the same answer no the transaction had definitely not been completed and that XXXX had not been paid. We were told to wait until XX/XX/XXXX for the funds to be re-deposited. This did not happen. Note that up until now everyone from Bank of America had been very complacent. Our salaries were deposited into our account automatically on XX/XX/XXXX which went towards offsetting the {$8200.00}, but still leaving our account in debit. We followed up with a call once again to Bank of America who said that there was nothing they could do. It was beyond their control. They offered no apologies, nor did they care that we had a mortgage and electricity and heating bills to pay amongst others. The rep was in fact very combative and would not allow us to ask further questions and re-explain the situation. She kept interrupting and in fact informed us that WE now owned them money even though we had no money to put into the account because they had allowed the transaction to be processed and the account into overdraft. In fact they had been lying to us all along. Furthermore, they attempted to process all our pending automated bill payments forcing our account into further debit. We again reached out to XXXX for a status and were told that they could not find the original transaction of {$8200.00} in their system and were only seeing a transaction for {$82.00}. We did a three-way call with the Bank and XXXX. The Bank provided XXXX with reference information and confirmation that the payment definitely had gone through. XXXX said that they would put through a refund but that it was now in the hands of the Treasury Department who could take up to 20 days just to review the case, and secondly it could take up to 7 weeks for them to issue a check. A week later, we called XXXX for an update, and they advised us that it was out of their hands and could not provide a status. They then went on to tell us that we should call Studentloans.gov and provided us with their contact number. The first person who answered was very rude, and simply said she could find the loan information. Eventually, we were transferred to another person who said that Studentloans.gov didnt handle billing and that we should be contacting XXXX XXXX We told them that we had done this several times and this person made the comment XXXX keeps telling people to contact us for billing issues which is not correct. We only process the loan applications. Since then we have been receiving daily calls from Bank of America asking us to deposit money into our account, money we do not have. Payment of our bills are on hold. Neither institution has been empathetic to our situation, nor have they been accountable to their errors or made any attempt to recoup the amount on our behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02889
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: There is no simple way to click on Bank of Americas website to set up Auto Pay. You have to go thru BillPay, and when I do, it makes you jump thru additional hoops such as having set up e-statements first and when I try doing that, it shows my address in red as if it doesnt recognize it. This is forcing me to sign up for e-statement when I dont want to. This should not be a prerequisite to set up Auto Pay. This is all done to make it difficult to set up autopay. Autopay should be its own function, where I can input in the routing and account number from where I want the money to be taken out. Plenty of other banks do this, they dont make you jump thru all the different hoops BofA does, trying to make it difficult to simply sign up for Auto Pay to make sure you are never late. I believe this is their way to collect late fees and then ultimately blame the customer for not jumping thru unnecessary and illogical and unrelated hoops to activate Auto Pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 906XX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX, my wife died and XXXX days later I went to the bank where we have bank accounts to present the death certificate and my wife 's signed and notarized Will in my favor. The official who assisted me gave me bank documents to fill out and told me that I had to present a Probate Case in Family Court. I proceeded to complete them and paid the Court the sum of {$340.00}. When the Court was about to give me the decision, the Clerk told me that the Bank had to first give me a Letter to release the funds, but the Bank denied me the Letter, arguing that my wife had a debt on her VISA Credit card. Then I asked the officer who attended me, why did they ask me to open a case in the Probation Court if they were not going to authorize the Release Letter later? On several occasions I made claims to the Bank asking them to return me the cost I paid to the XXXX and the remaining money of the checking account of my wife but they always denied to give me the funds. The accounts are like this : Money in my wife 's checking account : {$1800.00} Payment to Probate Court : {$340.00} Credit Card Debt : {$1700.00} In the month of XX/XX/XXXX, I received a document from the Bank where they withdrew the sum of {$1700.00} from my wife 's account without my consent and did not mention the balance in my favor of the will left by my wife nor did they recognize the payment I made to the Court on instructions from the same bank. After receiving that letter from the bank, I requested an appointment and spoke with a bank official who denied me the delivery of funds and only told me that I should open another case in the Court of Probate, which seemed like a joke to me. I have all the Documents of this case to submit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33141
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of the Last Activity differently : XXXX says XX/XX/XXXX, XXXX XX/XX/XXXX, and this is not showing on the XXXX report. The Date Reported is inaccurate ; XXXX XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Also, the Date of Last Payment shows inaccurately with the bureaus ; XXXX XX/XX/XXXX while the other bureaus are not reporting this. This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My XXXX XXXX XXXX Uncle died on XX/XX/XXXX. I was on his checking account and have written and cashed checks for the last 20 years for him. I was advised on XX/XX/XXXX XXXX that I was only a POD on his checking account so they closed the account and took the money. I was asked to " jump through the following hoops '' XXXX. Send Certificate - DONE 2.Received a letter saying I needed to file a Tax form with the State of New Jersey because he was living in XXXX for the last 30 years but the account was opened in XXXX XXXX - Did that and was told I only had to sign and notarize an affidavit explaining that he lived in XXXX - DONE XXXX. I called to see if they received the Affidavit. They said sorry, you didn't have to do that. Just fill out our BOA form and send a copy of his Will, of which I am Executor. DONE I should receive the check in 10 days XXXX. Called again to see what was going on ( end of XX/XX/XXXX ), Said sorry, you need to have your Sister sign a BOC form ( she lives in XXXX I live in NJ ) She went into BOA in XXXX and signed the form. check in 30 days. ( That was also in XX/XX/XXXX ) XXXX Today I called BOA Third Party Case manager and was told that just last night they approved the payment and I should have a check in 30 days!!!!!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A