Date Received: 2023-12-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I used online billpay service with Bank of America. Using the online system, I authorized a check to be mailed to a contractor for {$480.00}. The check was wrongly/illegally cashed at a Bank of America institution by someone else. On XX/XX/2023 I notified Bank of America about this mistake they made. I have messaged Bank of America multiple times and gone into a XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX, CA ) multiple times. I am yet to have the {$480.00} returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92064
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: Problem using a debit or ATM card
Consumer Complaint: I have been a victim of identity theft for the amount of {$1300.00} through my XXXX card from Bank of America. I live in XXXX California ( XXXX XXXX ) and the XXXX charges, adding up to the aforementioned amount, were charged in states New York and, I believe, North Carolina per the Bank of America. Of note, I have not been outside the state of California since XXXX nor has anybody else been authorized to use this debit card. Additionally, I have never used the debit function of this card. The card has only been used at my local Bank of America branch to withdraw cash, in which I then deposit into my personal bank account at the XXXX XXXX XXXX. This information was provided to the Bank of America XXXX. It was approximately XXXX month ago the Bank of America found " suspicious activity '' on my account. I filled a claim as those charges are obviously fraudulent. My claim was denied by Bank of America in a statement within an apparent 'form letter ' : " During our research, we identified multiple factors that indicate that the transaction was authorized by you or made by someone who has permission to use the card or account. As a result, your claim has been denied. '' This denial is, in a word, insane. I have requested a case review and the evidence for the denial of the claim -- Other than the obvious 'form letter XXXX Bank of America XXXX to my home address. The XXXX fraudulent charges are as follows : XXXX. ) {$160.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$170.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$180.00} @ XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) {$190.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. ) {$150.00} @ XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$160.00} @ XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$190.00} @ XXXX XXXX XXXX on XX/XX/XXXX XXXX. ) {$100.00} @ Love by XXXX XXXX on XX/XX/XXXX I have come to learn that XXXX fraud, through Bank of America Debit card system, appears to be widespread in California as well as Bank of America claim denials via form letters. There has been, and currently are, class action lawsuits against Bank of America for thousands of similar complaints, as compared to my own, since XXXX. Including paying more than {$200.00} XXXX in fines for claim denials through form letters. Regardless, it appears that practice by Bank of America has not abated. On a personal note -- I am an XXXX that was working in a large XXXX XXXX XXXX during the XXXX XXXX XXXX XXXX XXXXXXXX. I also fell victim to the acute effects of the virus, from working with XXXX XXXX XXXX XXXX, and with the after effects of 'XXXX XXXXXXXX ' ( XXXX ). It is why I have been out on XXXX XXXX times since my initial severe illness of that virus. This Bank of America so-called " investigation '' is a flat out insult to someone who sacrificed his health during the pandemic. With that said, thank you for your time, XXXX XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92807
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: Problem making or receiving payments
Consumer Complaint: I transferred {$1000.00} to a friend using the boa app and my friend never received the money. He went to the bank there and said they were not sure and it would take a long time to investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97333
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to express my continued concern regarding the unresolved issue of the second mortgage purportedly signed at Bank of America and that ( I did not sign ) during my time working outside the country. As previously detailed, I provided an affidavit on XX/XX/XXXX, sent to the CEO, XXXX XXXX, XXXX, XXXX XXXX and their attorney, XXXX XXXX, a copy of the passport utilized during that period, relevant identification used in that country, my address there, doctor notes to dental appointments for my children and myself, and email communications with the dates during that time showing that I was not in this country at the time the second mortgage was signed. While I appreciate the internal response acknowledging the assignment of the specialist to investigate this matter and the requested timeline until XX/XX/XXXXXXXX I am troubled by the recent call on XX/XX/XXXX, demanding two months payment without the appropriate flagging of the account under a fraud investigation. The bank representative did not know who the specialist is in the case or if there had been a fraud case number assigned. She also corrected herself saying that the payment was only due for this month, XX/XX/XXXXXXXX XXXX I have made it explicitly clear that I am cooperating fully and have extended the necessary time for your team to address the accusations of fraud. Consequently, until a comprehensive resolution is achieved, and this issue is clarified, I can not, in good faith, make any payments. In addition, this ongoing matter, I feel compelled to inform you that I have taken further steps to seek resolution by contacting the Comptroller of Currency for his assistance in this situation. My rights under Federal Trade Commission are listed as follows : While the issuer is investigating your complaint, you can withhold payment on the disputed amount and any finance and related charges. The issuer may not take action against you for using your rights. The issuer can tell the three nationwide credit bureaus ( XXXX, XXXX, and XXXX ) that youre challenging your bill. But the issuer cant take legal action to collect the amount youve disputed ( or finance charges ) may not close or restrict your account ( though it can apply the disputed amount against your credit limit ) cant threaten your credit rating or report you as delinquent may not require you to pay your full balance immediately cant discriminate against you if, in good faith, you exercised your rights under the law to dispute a bill Additionally, I have NOT signed the 2nd mortgage, so Bank of America needs to resolve this matter and stop ignoring and violating me. At the same time, I rescind the security interest and the proceeds that Bank of America has/is/will be receiving from this contract or any other they might be using concerning me. I want all my securities that the Bank of America has used over the secondary market ( 80 % to me and 20 % to the bank ). I have asked for a refund of the debt notes, return my tinder and return my floating rate notes. As a reminder the Privacy Act of 1974 guarantees three primary rights with one being my right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of personal information. IF that protection would have been used then a 2nd mortgage that I did not sign would not have taken place while I was living outside of the country. Privacy Act 1101.5 Security, confidentiality and protection of records. ( a ) The Act requires that records subject to the Act be maintained with appropriate administrative, technical and physical safeguards to ensure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience or unfairness to any individual on whom information is maintained. I should be protected from stress from all of this. This impacts my health and my everyday living. Fix the mistake. I implore you once again to handle this matter diligently and with the seriousness it warrants. On my behalf, Release of mortgage loan documents to specifically include the following in addition to the above-mentioned securities, debt notes and tinder : 1 Canceled promissory note for this mortgage and house located XXXX XXXX XXXX XXXX XXXX XXXX, Georgia, XXXX, all the tract or parcel of land lying and being in Land XXXX XXXX of the XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as per plate thereof recorded in XXXX XXXX XXXX, page XXXX, XXXX XXXX, XXXX XXXX XXXX which recoded plat is incorporated herein by reference and made of apart of this description. 2 Deed of trust or mortgage deed and warranty deed given to me 3 Certificate of satisfaction given to me 4 Final mortgage statement paid in full 5 Loan payoff letter addressed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hello on Friday XX/XX/XXXX I went inside a Bank Of America branch to exchange XXXX currency. I have a checking account with them. When I arrived I asked the banking representative who made the exchange if there were any requirements or restrictions and the only thing he said was there was a limit on the amount which I did not exceed. When the exchange was done he asked me to log into my BOA app to make sure the money was there and it was and he said everything was ok and thanked me for coming in and being a customer. The same day they put a pending closure on my account and its been under review for 10 days now without any explanation. When I call no one can tell me anything or have any idea when the review will be done. The account is suspended and Im unable to pay my bills or feed my kids. I dont mind them closing the account if thats their protocol. My concern is its taking them so long to close it. I got an email on Sunday XX/XX/XXXX that my account has been closed but its not. Please close my account so I can pay my rent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76002
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Need account balance and a replacement card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX Bank of America - XXXX I noticed an unauthorized charge on my checking account on XX/XX/XXXX in the amount of XXXX from XXXX The first representative said that I could place a stop payment to prevent this company from billing me again but I could not dispute the charge until it posted on my account. I called back on XX/XX/XXXX and a representative told me that it was possible that the stop payment was placed in time and that the transaction would be reversed. This did not happen and the transaction posted to my account. At XXXX this morning, I called to report this transaction. Instead of this being treated as fraud, they listed it as a billing dispute. I asked why and I was told it was because I had a charge from this company almost a year ago ( XX/XX/XXXX ). I never gave this company my new debit card information. The representative basically said that I could not get a provisional credit and she did not ask me for any information, She just said the claims department would make a decision. I have no clue what they would base their decision on ; therefore, I called the company that stole money from me. I have paperwork that list several discrepancies. I called Bank of America once again and was told that I could fax the information to the claims department. I sent an 11 page fax to XXXX. I called this afternoon to make sure the fax was received and Bank of America says they did not receive it. I feel as though my request is not being taken seriously, It is a less than a week before XXXX and my concerns are merely brushed off, miscoded as billing dispute and I did not receive any type of temporary credit. This is indicative that Bank of America has no desire to find out the truth. They will not help me and I feel as though I was punched in the stomach this morning when my concerns were not properly addressed. This is not fair to me, I want my claim treated as fraud and I want my money returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I received a letter from Bank of America that said " we detected suspicious activity on your credit card and as a precaution we've temporarily suspended your account ''. I had applied for the card but had not received it. In the letter they asked that I call them asap. I called XXXX on XX/XX/. I spoke to XXXX who asked for my name and account number. I could only give her the last four digits of the account number as that was all that was noted in the letter I received. She then asked me for my social security number which I gave her only to be told that she could not verify my identity over the phone ... .after she had my SS #. I was told that I had to bring 2 pieces of ID to a B of A branch in order to gain access to the account. I explained that I live on the XXXX XXXX of Hawaii and that there are no bank branches on the island. I offered to send in the ID via e-mail or fax but this was unacceptable. Then I asked her to close the account which she said she could not do. I asked to speak to a supervisor and got the same story. She then sent me to a completely wrong department who could do nothing either and did not know where to send my call accept back to the first department I spoke with. I had now been on the phone for 40 minutes ... ... much of it spent holding. This is unacceptable from a financial, security and privacy stand point. Now someone at Bank of America has my social security number, access to my credit card account and knows my name and address. I so appreciate your assistance with this troubling matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 967XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: We find there is over due from our credit report from Bank of America, and there was a charge {$14000.00} on the card. I never applied this card, and never received the card. This is a fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX i cash a check with merrill lynch sent to me from XXXX and on the XXXX of XXXX XXXX sent te funds to merrill lynch then my account got restricted saying i need to verify myself so i did then on XX/XX/XXXX they disbursed my funds without telling me anything about where they sent them to then they told me i was being sent a check for the remaining balance due to them closing my account, the funds from XXXX cleared from etrade on the XXXX of XXXX and they said they never received them which is not true, XXXX never received my funds back from merrill and they are holding my funds and will not return them saying i did fraud not true the check was cashed and cleared from XXXX .merrill then got the funds that was sent out back and reversed the transfer and ae keeping my funds when a account is closed with a remaining balance they are supposed to be mailed to the account owner and merrill did not do that they are lying and saying they don't have my funds the account settled on XX/XX/XXXX then on XX/XX/XXXX of XXXX and that was cash that settled so my funds were there and i want them back.On my statement it shows they have my money.
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: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A