Date Received: 2023-12-23
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: My wallet was stolen on the night XXXX XXXXXX/XX/2023 In that morning, I got alerts about fraudulent charges on my credit cards, and I denied all the charges. I filed a police report the same day XXXX XXXX XXXX XXXX XXXX XXXX XXXX Most banks permanently credited the fraudulent charges to my credit cards. Bank of America was the exception, and after a long investigation decided not to pay me back fraudulent charges ( {$210.00} made at XXXX and {$12.00} made at XXXX ), with a reason that " The merchant provided documentation confirming you received the merchandise or service. '' Not only this does not make any sense, but it is also a violation of BofA and XXXX 's {$0.00} XXXX XXXX clause. I suggest canceling XXXX accreditation for BofA, if they can't uphold their promises, and make their customers of XXXX loyal years feel like criminals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The Bank of America closed my account in the beginning of XXXX, 2023. Monies were withheld/frozen. In a letter the bank indicated they would be mailed to me. I have called the bank several times requesting the status. At times they have indicated the funds would be returned And other times not. During the last communication they indicated the funds were frozen and they would not be released. They indicated I should contact the source that Issued the monies to the bank to have the monies returned to the source.I have not received the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: On XX/XX/2023 XXXX XXXX contacted me regarding concerns of a credit card application that I was not aware of. They did not issue the card. Credit check was done. XXXX Bank of America did a a credit check and issued a credit card that I did not apply for. Bk of America have now closed the account. My credit score is being affected by these inquiries and card issuance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30014
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have been trying to close my Bank of America account. I have been reducing my balance and I found recently that they were charging me {$25.00} a month for the account ( without notifying me ) so I transferred the balance to my new bank and kept a XXXX dollar balance. I have found that they are still charging me the {$25.00} and my account is now in overdraft. The reason I reduced the balance to XXXX was because Bank of America was making it impossible for me to close the account completely. I went online to get an appointment with the branch. The app said that no appointments were available at the branch I use or other branches near me. I went into the branch physically and the teller told me that there were no bankers in the branch anymore and she could not help me close the account. I went on the app and tried to call Bank of America. I was told that they could not take calls. I tried to chat online but the wait times were very long and I kept getting booted off. Please help me close the account. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78750
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was scammed in XXXX of 2023 I made a report as soon as I noticed I was scammed. I was at a party and my phone, SS card, bank card, and credit cards were stolen. I got home logged into my bank account and saw XXXX {$500.00} charges I called the bank immediately as soon as I saw these unknown charges. When calling the rep stated it would be best to close my account and make a new one I said ok. A few days later Bank of America XXXX all of my accounts. I was going to the XXXX branch located at XXXX XXXX XXXX XXXX, CT to open new accounts such as a checking and savings I was told because of the banks decision I could not open new accounts. I then called XXXX and Closure and I was told I could not open new accounts for XXXX years or possibly I could never have another account with Bank Of America I have a MAJOR PROBLEM with this I WAS THE ONE WHO WAS SCAMMED IM THE VICTIM AND I CAN NOT HAVE AN ACCOUNT WITH WITH BANK OF AMERICA I feel this is cruel and incorrect please advise on what can be done to fix this. I ALSO WANT TO KNOW WHAT CAN BE DONE ABOUT ME RECEIVING THE {$1000.00} I was scammed out of by XXXX payment. Please email or contact me by phone on how this can be resolved. I would keep contacting by phone however reps are not clear on what I can do or what can be done about this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 Bank of America, N.A., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear Bank of America , N.A , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Visa Signature Account Number : XXXX XXXX XXXX XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I transferred {$500.00} to my friend via Bank of America XXXX XXXX. My friend followed up with me last XX/XX/XXXX & that's when I found out that {$500.00} did not go through. Contacted Bank of America and claimed that it should resolved by XXXX. Today, I received a letter from Bank of America dated XXXX that my claim was denied. My {$500.00} payment now is gone & they do not want to return because the transaction date was already expired. Explained that there should be no expiration on money and if that amount is only little for them, then it is a huge amount for me. That means I need to pay another {$500.00} to my friend while they keep my {$500.00}. Called Bank of America again today, XX/XX/2023 and said that they will send the message to another division but no hopes that they will return my {$500.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91706
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: I had a 7 month cd of 4.5 % maturing XX/XX/2023. Im a busy person so i wasnt able to interact with it around that date. Come to find out bank of america decided to auto renew that 7 mo cd at an artificially low non market rate of 0.03 % -- an insanely low interest rate and one i believe constitutes fraud. I believe the actions of bank of america are fraudulent. I believe they attempted to effectively steal from me. I want cfpb to find out how often this happens, find out how much boa makes from this fraudulent nonmarket rate renewal and fine them 10x the amount of their illgotten gains. Many people are not savvy enough to understand the theft taking place. Regulatory bodies need to look out for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
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: Bank of America has not determined my dispute fairly. They determined my claim based on the fact that it is easier to side with the merchant. Will not explain how they arrived at their decision and have ignored my close to XXXX pages of evidence I have submitted. Told me I can not refile my dispute ever again and will not speak to me without hanging up on me. Will not even take my complaint internally, told me no one will follow up. They also purposely give me phone numbers to XXXX to send me on a wild goose chase. They lied to me and told me that XXXX decided my dispute and that they did not. XXXX has told me this is a lie. They have purposely deceived me and will not listen to my evidence. They have called me a liar and ignored all my evidence yet rules in favor of the merchant, when they have submitted XXXX pages of evidence. Case # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14227
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to Bank of America ATM on XX/XX/XXXX to withdraw {$1000.00} for XXXX present. The ATM malfunctioned and snapped on my finger and didnt dispense my withdrawal. I went into the bank and the representative said its on going problem and Bank of America wont shut down the ATM and does not fix it. Its before XXXX and Bank of America is refusing to credit my account because of their faulty machine. I am literally battling XXXX now I have to battle the bank to buy my family gifts for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A