Date Received: 2023-12-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On the evening of XX/XX/2023 I made an ATM withdrawal using my Bank of America debit card on a XXXX XXXX ATM in XXXX XXXX XXXX. The amount was for {$260.00} with a {$9.00} fee. No cash or a receipt was given from the ATM. The store attached to the ATM was closed and I called the number listed on the ATM for if there was an issue, which directed me to BoAs help line which was closed due to after hours. I submitted a claim the next day on XX/XX/2023 on BoAs online portal. This claim was denied on XX/XX/2023. I've attached the denial letter which claims that the transaction was successful. This letter is strange as it includes XXXX ATM transactions from the other people too which seems like a privacy concern. I called Bank of America today ( XX/XX/2023 ) to have them explain why the claim was denied. I had them re-open the claim to get more information from XXXX. I was told this can take anywhere from another XXXX days. In the meantime my temporary credit was removed when the claim was first denied and was not brought back when I re-opened the claim. I called the ATM operator as well ( XXXX ) who told me they can not help me at all with providing more information. It's very frustrating to have a claim ( my first ) denied that could be solved with a ATM audit that was not happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94123
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: Fraud or scam
Subissue:
Consumer Complaint: was to buy a car from XXXX XXXX XXXX XXXX XXXX of XXXX Iowa via they're web site for agreed price of {$49000.00}. car was to be transported to my address after money was wired from my bank, XXXX XXXX XXXX Bank of America account # XXXX money was wired on XXXX XXXX, XXXX car was never received, I notified XXXX XXXX XXXX XXXX in early XXXX received a case number XXXX, have not heard back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55345
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: Other features, terms, or problems
Subissue: Problem with cash advances
Consumer Complaint: Hello, Firstly, Bank of America sent me Access Checks with the numbers XXXX and XXXX. I planned to use them to pay my property tax and confirmed this with the bank on XXXX. Despite their assurance that online payment was acceptable, Bank of America later returned the payment, resulting i n a {$400.00} late fee from the XXXX XXXX County property tax office. The responsibility for this late fee lies with Bank of America, and I have discussed the issue with the manager, who identified the individual responsible. I expressed my frustration, explaining that the bank had initially approved the use of the Access Check # XXXX, routing number XXXX with out proper communication or clarification. This situation caused significant inconvenience, including s [ ending an entire day at the XXXX County office in downtown XXXX XXXX. Bank of America needs to address issues of communication and knowledge within their team, as their negligent service has led to serious consequences for the customer, including a {$400.00} late fee that they XXXX cover. They use on the phone system from Bank of America 's terrible to talk customer what they want to talk easily without any responsibility. That caused that happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90710
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have contacted my bank regarding charges on my XXXX Statement for XX/XX/23. The bank has denied the fraud charges on two different occasions. The following transactions are in dispute. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Bank of America decided to close my account for no reason while I had several disputed pending against the reason why my account was in a negative balance. They were allowing someone access into my account by not removing the number ending in XXXX from my sign-in verification after I had removed the number from my account. They were giving other people access into my account. They lied about a check being deposited on XX/XX/XXXX, which I had disputed before it even deposited so I can assure you that check was never deposited into my account. The check was fraudulent and I did not deposit it which is why I disputed the check that was deposited into my account. Now Bank of America is stealing money from my dispute resolutions knowing lying saying that the check deposited on the XXXX when that check never deposited into my account. They only closed my account to stop me from getting the money I am entitled to. I want my money back they stole, and I'm ending my banking relationship with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93535
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 getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: *I am filing a new CFPB complaint as advised by a CFPB customer rep since the Resolution Specialist I was assigned, XXXX XXXX XXXX from the Bank of America regulatory complaints department XXXX a voicemail on XX/XX/XXXX stating that they were able to address my concern and that I would be receiving a written response from them. I have not received any written company response via mail. I provided my up to date address in my previous CFPB Complaint, but I don't know if they sent a response to my former address since they are not responding. I have called the XXXX at the number she provided ( and extension ) and left a voicemail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, but have not received a call back. I even sent an email to her on XXXX, but she did not respond. * I have XXXX prepaid XXXX cards ( XXXX for {$100.00} and another for {$220.00} ) by Bank of America that I received from XXXX XXXX that expired at the end of XX/XX/XXXX. I tried to use them on XX/XX/XXXX, but they would not work. I called Bank of America XXXX Prepaid Card Customer Service on XXXX and after entering one of the card numbers, it stated that the card had expired. When I spoke with a live customer service representative, they stated that the account was closed for both cards. Since this date I have also called on XXXX, XXXX, XXXX, and on XX/XX/XXXX. Throughout these times I have asked if I could be reissued a new card for the amount minus the replacement fee or if I could receive a check. They stated that both accounts show {$0.00}, even though I did not spend any of the money on either. I called again on XX/XX/XXXX to find out if the money was forfeited to them and they could not answer this for me, even when I spoke with a supervisor. Bank of America basically stated that they could not do anything for me and left it at that. If needed, I have both cards and any additional information needed. I also attached a letter that I previously received from Bank of America for a different prepaid XXXX card where they stated that if the card were to be deactivated, they would mail me a paper check of the remaining balance. This is why I am wondering why they will not do this with the XXXX prepaid cards that I currently have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49508
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: Funds not received from closed account
Consumer Complaint: Our company account was randomally closed this week with over XXXX in it AND pending deposits and transfers. They then " reversed '' payments to all our financial institutions and payroll and caused closed accounts stating NSF which was not true- there is now over XXXX in that account after everything and they refuse information other than " account closing '' - I want my XXXX ASAP and they have not offered any help via chat, phone or in person. please assist
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
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: 2023-12-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I suffered an injury on XX/XX/XXXX which prevents me from flying for XXXX months. I originally booked tickets with the Bank of America credit card for myself, my sister, and my parents so I called to request a copy of the specific terms and conditions as well as ask if the airfare was covered by the trip cancellation benefit. On XX/XX/XXXX, I called and they customer service representative said they could not provide a copy of the card benefits by email but assured me that the airfare for myself and my immediate family was covered ( I have a recording of our conversation ). Because the rep assured me that the entire airfare was covered by trip cancellation, I cancelled our flights even though there's a {$200.00} cancellation fee per person ( I only received around {$260.00} credit for the {$1200.00} total ). Now I'm calling to make a claim and they are telling me that only my airfare is covered, not that of my family. I would not have cancelled their tickets if they had given me the correct information from the start. I have two main complaints : 1. They refused to provide me with a copy of the card benefits over email. If they had done this, I could have reviewed the terms and conditions myself. 2. They gave me wrong information. They assured me that my entire family 's airfare was covered so I cancelled our entire trip and now they are telling me that only my airfare is covered. Now I am out over {$1000.00} and they will not help me. I think this is extremely incompetent and misleading at best and downright predatory at worst.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: During the pandemic I filed for unemployment with the state of Nevada, I was under the impression that I was denied, until I received a email from the state of Nevada about paying taxes on funds that were paid to me. I contacted the state of Nevada unemployment agency, who then advised me they paid Bank of America nearly {$40000.00}. I was then advised to contact Bank of America to retrieve my funds. When I contacted Bank of America and explained my situation. I was told that all of the money that was paid by my sponsor, had already been spent. I then started filing for unauthorized use and transactions for the whole amount. It has since been proven that my mail was rerouted from my address, where I was living at the time of my first initial file. I filed an identity theft affidavit with the IRS, multiple identity theft complaints with the FTC identity theft.gov. I filed police reports and more. As of today Bank of America has paid me {$9.00}, XXXX out of {$41000.00} stolen. They have given written proof that they were in the wrong and allowed someone to steal my money. Yet they continue to deny my claim for {$21.00}, XXXX on a general basis, which is completely illegal and done by a machine. I have refiled and complained numerous times and I'm getting nowhere. I have given Bank of America sufficient evidence and documentation, yet they still have not paid me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34748
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: Deposits and withdrawals
Consumer Complaint: I applied for a loan and unknown to me it was a scam. I was a victim in this case, and I was calling Bank of America for XXXX days prior to the closing of my account, informing them that my bank card was not working and they needed to un restrict my debit card after they told me it was no longer restricted, it continued to be restricted causing me to have to constantly call them back. On XX/XX/XXXX I called and I was advised by Bank of America to open a brand new checking account because my checking account that I already had was frozen they told me no money was able to come out of that account but it can still receive deposits I informed them my direct deposit was gon na be deposited on XX/XX/XXXX at which point they advised me to open up a new checking account so that Friday morning XX/XX/XXXX I could call back and they could transfer my deposit from work into the new account for me to access that when I called the phone number that they gave me. They told me That would be transferring my money into the new account. They had me open to be able to transfer my deposit from the frozen account .The lady informed me that I was not given this information and I couldnt have been told this. I expressed to her that I spoke to XXXX people and both told me that, again they made me open a new checking account solely for this purpose of me accessing my funds from my job and she told me no thats not gon na happen. My account was frozen they didnt want to do business with me anymore and I expressed to her I needed to pay rent. I expressed to them that I was going to be evicted at as of XX/XX/XXXX and I needed my money and that I would come and pick it up. She told me I could apply for a hardship. I didnt want to because it was going to take XXXX days for them to approve or not approve it. I needed my money that day. I received my 30 day notice to leave my premises XXXX XX/XX/XXXX, I called them back on XXXX morning to find out about my hardship and the lady told me I was denied I asked her how can I apply for a hardship yet you guys dont even know the reasoning behind my hardship and why XXXX even applying for it. She told me the account is set to be closed on XX/XX/XXXX and my check will not be mailed to me until after that, I need my deposit money from my job and when they do decide to mail me my certified mail check I am no longer going to even be at the address that they want to send it to because XXXX evicted now I just want my cash that I got paid for and direct deposited into my account from my job that I physically worked please help XXXX living in the car with my XXXX kids at this moment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A