Date Received: 2023-12-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Allegiant visa signature card received an application for pre-approved credit. The property was taken and I got nothing in return. Bank of America has opened an account ( # XXXX ) in my name without my consent and denied credit, which is identity theft, restraint of trade, Misappropriation of funds and unjust enrichment. Furthermore, banks can't use credit reports based on privacy rights. I demand the bank to discharge credits to the United States Treasury for my redemption. Interest and money are due to me. Set off discharge dollar per dollar of application preset in honor and good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I have been a victim of identity theft someone has obtained my personal information and open up fraudulent accounts in my name. I did not authorize nor provide permission to do so. Ive filed a police report with the police department supporting this identity theft, including that my social security card and drivers license was stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77049
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am writing to demand that Bank of America stop trying to intimidate me, harass me, and bully me as I am one of the class members in the CFPB Class Action Settlement vs Bank of America. According to the CFPBs press release on XXXX, Bank of America has been ordered to pay more than {$100.00} XXXX to customers for illegally charging junk fees, withholding credit card rewards, and opening fake accounts. I am entitled to receive compensation for the harm that Bank of America has caused me. Bank of America has been harassing my future father in laws home in XXXX NY to try to intimidate me with threatening letters and a strange guy who kept knocking on his door this morning. My future father in law suffers from XXXX and is fully XXXX. This is unacceptable and unlawful behavior that must cease immediately. I hereby request that Bank of America stop contacting me or my future father in law by any means, including phone calls, e-mails, letters, or visits. Any further attempts to contact me or my future father in law will be considered harassment and will be reported to other relevant authorities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 145XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I bank with Bank of America and I recently thought I got hired on by a company that turned out to be fake but they sent me a check for my work and I thought it was real and I tried to cash it and how I realized it was fake and how I realized the company was fake when the check didnt go through and they went ahead and close my account. They did not talk to me or nothing. They didnt give me a notice. They didnt even try to let me explain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: I've sold some crypto currency using https : XXXX a peer to peer exchange site. The trade uses a smart contract which automatically sends my money to the trader once I confirm receipt of the funds. I made a trade with user XXXX XXXX '', sent them my zelle email address which is XXXX and they sent me the money which I've received and released the cryptocurrency from the escrow. A month later I receive a letter from bank of America who took back the XXXX $ from my account due to some undisclosed dispute by XXXX XXXX XXXX. I've contacted bank of America and they say it isn't possible to further dispute, and that they would close my account even if I have trusted history proof of our trade and full conversation transcript and the currency being released on my side. Local cryptos also offered to give them the user 's information. Further more, I've contacted local cryptos and they offered to give legal authorities the information on the trade and fraudulent bank user at XXXX This is one of multiple instances, i believe i was targeted by the same user, but since the chargebacks were made months later i didn't realize it was fraud until i lost about XXXX XXXX $ Since then i have been unable to pay my credit cards and bank of america closed my accounts so i can't even access my checkings history properly. I've attached all my transcript with the different zelle users as well as my complaints to the XXXX 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: 90049
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: BoA has reported my account as delinquent, in response to an autopay error on their end. My credit has fallen from XXXX XXXX XXXX because of their error. The statement is not accurate, as autopay was set up and payment was sent but the company rejected the autopay, and then did not mail any paper letters or reach out via message, email, or phone to alert me. Explanation of issue : I had autopay setup for a pre-determined amount ( {$140.00} ). I had a final bill of {$31.00} in XXXX. When the autopay was sent for the final bill, it was rejected by BoAe because it was greater than the balance. I received no letter, phone call, or email warning me that I was late in payment or that the autopay payment was returned. Bank of America then marked my account as delinquent. As soon as I realized what had happened, I paid off the balance. The customer service representative assured me he would remove the delinquency from my account, but that has not happened, so I am hoping you can help me move this case along. Steps I have taken : I started a dispute process with Bank of America 3 months ago. I have called them to check in on it and each time and told that it has been escalated, but that the timeline for resolution is undetermined and they can provide no further details. There is no paper trail or case number in my account portal with them. I opened a dispute with XXXX XXXX XXXX, and they came back with the determination " The information you disputed has been verified as accurate ''. I would greatly appreciate your assistance with moving this case along as there seems to be no resolution in sight from BoA, and they did not communicate any of the failings of their autopay system. Best, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023, I received an email from Bank of America ( XXXX ) for a XXXX XXXXXXXX XXXX XXXX XXXX credit card. The offer was {$750.00} cash back after spending {$5000.00} in 90 days. I decided to apply for the card and followed the instructions on the email, which was to call a XXXX XXXX XXXXXXXX to apply at XXXX. I did that, and spoke to XXXX XXXX ( XXXX ) He asked me to forward him the email showing the offer I received, which I did on XX/XX/2023. I applied over the phone, and he explicitly told me that I would receive the {$750.00}, and to ignore what the terms on the actual application said. I was approved for the card, and spent {$5000.00} as required by the offer, but I only received {$300.00}. I tried to reach out to XXXX XXXX multiple times ( XX/XX/2023, XX/XX/2023 ) via email but was unable to reach him or get a response.
Company Response:
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
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 have a credit card dispute ( XXXX ) ; a merchant double charged me but after the first complaint only gave me a portion of my money back. I have the receipt, but Bank of America will not allow me to upload this to show what the charge should be. Based on BOA consumer agreement Article 8 ( A ) it states, and I quote Article 8. Error Resolution Procedures for Consumer Accounts A. In Case of Errors or Questions About Your Electronic Transactions Send us a secure online mail message or call us at XXXX They have no way for me to send them a secure message though their agreement for a Consumer Account is clear that they will take secure online mail messages. They should take this receipt so I can prove the charges and pay accordingly. I have uploaded the file here to show the receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: On XX/XX/ I submitted an auto loan application with Bank of America. I received an approval same day, no questions asked and I thought it was because I had all my banking with them, including deposit accounts and credit cards. I was then contacted by the Dealership ( XXXX XXXX XXXX XXXX XXXX ) and they advised that approval could not be used, that a new one needed to be submitted because although Bank of America is one of their preferred banks, the dealer needed to submit the application directly, which I do not understand given the fact that there was already an approval at the same bank. I find it hard to believe they could not use it and believe they rejected the previously application to gain financing. Since I had already applied with Bank of America and received an approval I allowed the Dealer to resubmit. When resubmitting the application with Bank of America, they asked for several documents such as social security card and verification of income, which was confusing since I was not asked for this in my initial application and because I had all my business with Bank of America. I provided all the information requested and last minute it was not accepted although it was all legal documentation they already had on file and had approved me on XX/XX/. I had to re0run my credit to get approved by a different bank and also be given an higher APR, then the 7.14 % APR causing me now more interest and a higher monthly payment. The vehicle has already been given to me, thus why I could not avoid another credit pull.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Bank of America has blocked my access to my online banking since XXXX. I currently live in XXXX and BofA was aware of this, they have all my abroad 's info registered in my bank account profile. They insist that I have to go to the US and step into a branch with two forms of ID because I don't have a US phone number where they can send a 4-digits passcode to verify my identity over a phone call. Is this really the only way this institution has to verify me over the phone? I just can not believe it. When I opened my account with them I provided all the info they requested and the banker never ever advised that I needed to have an US cellphone line for verification over the phone, and the representative was well aware that I would be abroad the US most of the time. If the only way for this bank to verify people is having a US number capable to receive their security code ( which sounds even funny, because anybody could hack my phone number or steal my phone and have access to those codes ), they should have made me aware of such thing when they opened my account and filled out all my information. I believe that they have a lot and enough info about me for doing a verification over the phone. It is unbelievable that I have to take a flight to the US just to show two forms of ID at the branch so I can continue accessing my online banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A