Date Received: 2023-12-22
Issue: Closing on a mortgage
Subissue: Fees or costs after closing
Consumer Complaint: I have had a HELOC with Band of America since XXXX. I have paid the installment on this loan upon until XX/XX/XXXX since I was laid off from my job. I requested a forbearance or 3 months. Then when I still didn't find a job I requested an extension while I am trying to sell the house. I was given the extension. Meanwhile I sold the house and will payoff the loan at close of escrow on XX/XX/XXXX. When I requested the payoff quote, I was told my loan is in foreclosure as of XX/XX/XXXXXXXX and I was charged an additional XXXX for foreclosure lawyer. At any point I was not tole that my loan is going to be foreclosed and I had discussed the sale of my house and paying the loan off and the extension would be safe for me. I am .disputing the fee and having my loan in disclosure. BofA is not doing an honest business and even when a consumer does every effort to pay off the debt despite of the financial hardship they foreclosed and charged me additional fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95120
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Claim Number : XXXX PLEASE HELP Dear Sir, PLEASE HELP I am writing this third letter in order to make things clearer & to state whats has been going on with me. I have been calling to follow up on this claim everyday since I have known and when your agents have given me fax numbers which were XXXX & XXXX & the email XXXX in order to send the documents that are solid evidence that proof that these funds are mine. Yesterday, I have called and an agent who was XXXX told me that she can see the documents and she has voided the cheque that was going to be sent to my Mothers Ex as the bank didnt see the documents and she will ask for reconsideration. Today, I have called from a couple of hours someone told me we dont know anything then I called just before sending you the previous XXXX e-mails and an agent called XXXX told me that the previous agents were giving me wrong information and they were acting as I am the one who initiated the claim and not the claim was initiated against me from XXXX XXXX XXXX XXXX XXXX and I should send the documents again to this email XXXX in order the analyst can review the case and the fund is on hold. I dont understand how this can help with a huge reputable financial institution as you and with a fund XXXX, XXXX XXXX How can you do this with a customer that decided to deal with you and to put his money in a safe entity ( Bank of America )? I need an explanation for all whats going on and I will walk you through the case again, so as mentioned before I am XXXX XXXX XXXX XXXX XXXX an American Citizen holding an XXXX XXXX XXXX & also have the XXXX nationality, lives in North Carolina with a social security number XXXX, holding a driver license with the number XXXX, my address is XXXX XXXX XXXX XXXX, XXXX NC XXXX, XXXX XXXX XXXX XXXX, my phone number is XXXX, Email address is XXXX. I have opened an account at Bank of America in North Carolina XXXX in XX/XX/XXXX. My account number is XXXX, I have received on XX/XX/XXXX an amount of XXXX $ ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) and on the XX/XX/XXXX, an amount of XXXX $ ( XXXX XXXX XXXX ) from an account in XXXX XXXX XXXX XXXX XXXX the account was under the name of my Mothers Ex ( XXXX XXXX ) holding a XXXX XXXX number XXXX & holding an XXXX XXXX with the number XXXX. I have experienced a very awkward situation with the Bank of America, My Mothers Ex transferred the XXXX, XXXX $ to my account XXXX & card number XXXX, the funds were in my account for XXXX months then my account was closed all of a sudden and the money was frozen and the bank didnt inform me anything. In addition, I have called the banks customer service several times and was treated very badly from their side and wasnt informed about anything and then finally they told me that the money was reviewed without clarifying the reason for this issue and I have waited 1 month & half with no response and same horrible treatment & I have done a claim at their side which also ended with no information. However, I have decided to do a claim in the Consumer Financial Protection Bureau in Washignton. My claim number in the Consumer Financial Protection Bureau is XXXX. Moreover, XXXX weeks after submitting this claim to the consumer financial protection bureau I have been called by the bank and someone informed that XXXX has recalled the wire transfer! Or as another associate told me that the original wire was reported fraud when I called several times to try to understand what happened. I am kind of shocked that I, as a customer of Bank of America was treated like this and the actions that were taken against me according the speculation of the information received from the XXXXXXXX XXXX XXXX XXXX without any solid evidence & even giving me any rights or even believing in the benefit of the doubt or taking into consideration the proverb that says the accused is innocent until proven guilty. Although, XXXX XXXX has informed his bank about something that is a lie and false accused me to his bank without any proof as I have proven to you by all proofs & evidences that were sent earlier from my side which included the following documents 1. My birth certificate indicating that my mother is XXXX XXXX XXXX. My Driving license Copy & Copy of my American passport XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX. XXXX XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXXXXXX & its translation in English 6. E-mail from XXXX XXXXXXXX to my mother XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that he transferred to her this amount to buy a XXXX which was agreed between them & its translation in English 7. E-mail from XXXX XXXX XXXX XXXX XXXX to XXXX XXXX ( XXXX XXXX ) concerning the funds & the XXXX bought by this amount & its translation in English 8. Statement from XXXX XXXX ( in XXXX ) that there was a house bought by XXXX XXXX by this amount & its translation in English 9. Email from XXXX XXXX ( in XXXX ) that this XXXX was bought as agreed before 10. Email from XXXX XXXX XXXX XXXX XXXX as he was inviting my mother ( XXXX XXXX ) to come to XXXX and also the ticket from XXXX to XXXX bought by him was attached to the same e-mail that was sent to the XXXX XXXX 11 . Photos with XXXX XXXX XXXX XXXX XXXX XXXX XXXX mother ) & me together in XXXX which indicates that he was a family member & a lot of photos of him & my mother XXXX. XXXX screen shot that my mother is informing him that the money ( XXXX, XXXX $ ) and this proves that he has transferred the money by his own will & he was lying by his submitted claim XXXX false accusation was taken into consideration because he is the customer of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX didnt investigate the case before reporting to you ( Bank of America ) however, I am your customer received a very horrible treatment from your side again without investigating and harsh decisions were taken from your side as a verdict of the false accused case that was implemented by XXXX XXXX XXXX XXXX XXXX XXXX XXXX which were the closure of my accounts without stating any reasons and when I tried to know the only response that I have received was its a business decision and not only that but also freezing my money and when I tried to understand why nothing was informed from your side except after my complaint to the Consumer Financial protection bureau XXXX This verdict which was freezing my money & harming my reputation wasnt neither expected nor acceptable from your side to an honest Customer that gave you the preference to save his money which is an important manner for anyone without investigating or even informing me with the case. However, I think that when you press charges to someone you should have a solid evidence and inform him about it which wasnt in my case everything was mysterious till my complaint to the consumer financial protection bureau. On the contrary, I think if any other bank would have respected his customer by at least reaching out to him in order to take the right verdict and not throw accusation as the other two parties did ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) but this wasnt done from your side I am really suffering & struggling from this awful treatment till now as it has very enormous impacts on me materially & morally as I have spent many time with you on the phone struggling with your customer service trying to get information about this false accusation and trying to clear to you the picture that it was a false accusation and this time was during my working hours which has caused me so much trouble at work because I was using the phone for too long. Even though, Im struggling financially as you have frozen my funds without any rights and Im living on my credit card which is another matter of trouble because as you know that this money that is credited will be returned all with interest. Furthermore, Im struggling with a health problem as I have a problem with my XXXX and due to your bad & horrible treatment I cant pay the cost of my XXXX XXXX. I have concluded from all this experience that you dont care about your customer even if he was dissatisfied and false accused by someone who was actually considered as a family member and decided to do illegal actions by false accusing someone and harming his reputation. I have also attached this time some new documents in order to proof to you that I was false accused as my mother & XXXX XXXX XXXX flying tickets to XXXX XXXX XXXX XXXX XXXX in order to proof that he came to XXXX several times. The question that I have in mind is why is XXXX conspiracy theory has got the acceptance of XXXX XXXX XXXX XXXX and of you ( Bank of America ) without any solid evidence, however he has transferred the money on the XX/XX/XXXX ( XXXX $ ) and later on XXXX $ to the same account on the XX/XX/XXXX and waited for XXXX months which was after he came to XXXX again and returned back to XXXX and had the conflict with my mother and then reported that the original wire of the amount ( XXXX $ ) was fraud and not the other!. I dont think that its possible that if you buy a car and transfer the amount to the agency and then claim after XXXX months that the wire that was transferred to the agencys account was fraud can be acceptable by any party which is an awkward situation I am actually facing now. Please take in consideration that I have been struggling for this matter around 3 months now which means to you around the XXXXbusiness day even after submitting my first letter and the above-mentioned documents, I am informed from your claim department after calling them that you have sent asking XXXXXXXX XXXX XXXX XXXX about their answer concerning this matter! Are you waiting for their approval in order to return my funds even after your analyst reviewed the submitted documents? Although, XXXX XXXX XXXXXXXX XXXX didnt put any efforts as a respectable & reputable bank to investigate the case, however, they ( XXXX XXXX XXXXXXXX XXXX ) threw assumptions at me and you ( Bank of America ) have given me a harsh verdict ( freezing my funds ) according these allegations & assumptions. So, are you still waiting again for their final decision?! As a matter of fact, I request that you take the fast & correct procedures & actions and return the funds to me because I have proved to you by solid evidences that this fund is mine. However, what I am facing from you by all means is a shame & dissatisfying treatment to your customer & harm to my reputation, I need an official statement indicating that XXXX XXXX XXXX XXXX XXXX XXXX have reported that the original wire was fraud in order to sue both parties and to file against them a defamation suit. I need an explanation for whats going on against me that several agents are giving me a wrong information. Many thanks for your understanding & cooperation. Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Can this please be removed inquiry Bank Of America is two of them on my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, Back in XXXX, I received a check from the XXXX for {$180000.00}. I deposited the check into my BoA Business Checking account and the account has been locked ever since. I have not been able to access not even a PORTION of the money. It seems that sometime between the initial blocking of my account and today, BOA has closed my account and claims they issued a check back to the XXXX. I have caught BOA lying multiple times. I've called the XXXX and they have repeatedly told me that they have not received a check from BOA. In fact, the original check was made out to my business/me therefore the refund should've been issued to me. In the eyes of the XXXX, the check they originally sent me was deposited. Please have BOA conduct an investigation on where that check is and have it immediately reversed and sent to me. It's alot of money and I am very nervous something might have happened to it. Thank you.
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: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I lost my wallet which included my credit card. Someone charged {$300.00} on the card, and I filed a dispute with Bank of America. They denied the dispute a few days later stating I used my pin for the card and signed for the purchase, which makes me liable. First off, my credit card has no pin so that's already false, secondly when I asked for copies of my signature that they claimed was used, they refused to provide it. I did not make this charge and they are making up false information against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX payments with XXXX XXXX XXXX that I paid with my Bank of America account were duplicates. 1 of {$350.00} and another of {$86.00}. I contacted Bank of America on XX/XX/2023 before the duplicates posted and told them what happened. They told me to wait until it posts and they'll give me immediate temporary credit to offset the duplicate charges while they investigate and also waive the late fees if it makes my account negative. So on XX/XX/2023 the duplicates both post and make my account negative and they charge me with XXXX overdraft fees. I call in and explain the same thing I explained previously and the rep didn't want to help me and was annoyed I called about it. Said I could have disputed on the app. Then when she does it over the phone she tells me there will be no temporary credit for me and that. I'll have to wait XXXX days. I then spoke to the manager and she said the same thing and that there's nothing she can do to help. I was proactive with the duplicate charges to tell them and then lied to about the process on which they handled this. This is unacceptable and my account is going to be hit with charges daily until I get it positive now. I contacted XXXX again and I'm still waiting for it to post on there end and when it does they said they will refund it in my XXXX savings account which will take XXXX business days. Then I will have to drive to XXXX withdraw that money and drive to Bank of America to deposit. The problem with this now is that Bank of America is going to charge insignificant funds fee of {$40.00} a day I believe when they shouldn't as I was proactive and told them what happened with duplicate charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On my edd card I had someone use all my benefits prior to me ever receiving the card. I filed a claim well over a year ago and was lied to by Bank of America saying they filed a claim for me. A year goes by I never hear from the bank so I call only to find out I was lied to over a year ago and a claim was never filed. So I been waiting well over a year for something they lied to me about. Bank of America had been sued for this by people already and a federal judge ordered them to take claims more seriously and they flat out lied to me about even opening a claim. This has put me in a serious financial situation and Ive reached out to them to re open they said they did however today is the 10th business and I still havent gotten my provisional credit. I feel it is so wrong and illegal what they did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX merrill lynch closed my account and said the funds settled and i would be set a check now they are tryingto say i owe them which is not true i only deposited 1 check that cleared and they will not give my funds to me they are my funds and they weren't suppose to send any funds to XXXX which they did not do they are rude and thieves and my statements show what and when they took out my money but they wont give it to me. They violated my rights and their contract aggreements.And they are still holding my money.now they said i owed them and that is letting me know they still have my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To Whom It May Concern, I am writing to formally lodge a complaint against Bank of America concerning an incident that I believe constitutes a violation of the Expedited Funds Availability Act ( EFAA ) and Regulation CC. On XX/XX/2023, I deposited a cashier 's check into my account at Bank of America. Despite the nature of the instrument being a cashier 's check, which typically warrants a shorter hold period due to its near-equivalent status to cash, Bank of America has placed an extended hold on these funds, with a release date set for XX/XX/XXXX. This extended hold is considerably longer than the standard timeframes outlined in Regulation CC, which generally requires XXXX XXXX to make funds from cashier 's checks available within one business day after the deposit is made. The delay in the availability of my funds has caused significant inconvenience and potential financial hardship, as I am unable to access my own money. I have attempted to resolve this issue directly with Bank of America, but have not received a satisfactory explanation or resolution. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to investigate this matter. It is my understanding that the CFPB is committed to ensuring fair and lawful practices in the banking sector, and I believe this situation warrants such attention. Please find attached relevant documentation, including the deposit receipt and any communication I have had with Bank of America regarding this issue. Thank you for your attention to this matter. I look forward to a resolution that upholds the standards of banking regulations and protects consumer rights. Sincerely, Attachments : Deposit Receipt, Correspondence with Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: So i woke up on a XXXX morning to a charge of {$300.00} from my BofA checking account, i called the customer service and they told me it was due to a collection from my previous account that was closed out in XX/XX/2022 ( almost XXXX years ago ). Now I have single idea of any account closed out in XXXX, no statement was sent to me, no mail, email, text message, calls was provided to me about such transaction or close out and now waking up to a debit of XXXX from them without any prior notice? I have asked them to send me receipts, evidence of the transaction, of the notice they sent to me which they never provided and i am seriously livid. Bank of America can not go around deducting cash from customer account whenever they choosing without any notice, arrangement or explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A