Date Received: 2024-02-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Have a new credit card with BofA. In interaction with their phone represenative we paid the current bill and set up autopay for future payments ; the ask and apparent setup was to pay in full prior to the due date. The following month, the neither the full statement amoutn owing nor the minimum amouth due was autopaid. Calling back to the phone representative, it was discovered the previous representative had set the full payment date for a month further in the future, resulting in interest changes. As this is an affintiy card where certain spend have to occur to get the 'points ', I had charged significant amounts. Furhter tlaking to the represenative, the consumver has no way of seeing autopayment arragement made over the phone. There is the ability to set up autopayments via the web interface, but it is an enteriely different system! If the BofA phone representatives are being instructed to set the first payment date two payment dates out, this would be a boon for BofA and a significant intetional consumer fraud on card holders. It was indocated I was set for the next payment date whne I set up the phone-based autopay. I have subsequently changed to the web-based autopay, which I can see and manage directly. As you have gathered, I could not see that the first autopay date was two payment dates out. Only possibly by calling could I have gotten this information. Getting a humanb to help on the Help Line is next to impossible, but you can't review or adjust a phone-based autopay with the auotattendant on their help line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank of America has deliberately failed to initiate claim and or send claim documents on Claim # XXXX and Claim # XXXX
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: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank of America has deliberately failed to initiate claim and or send claim documents on Claim # XXXX. I was told the claim was automatically denied because the bank wants to be spiteful by not processing my claims by assuming I did make these transactions. There is no proof of these assumptions. Its just an excuse by Bank of America claims department, not to process claim and not inform me of the claim in hopes by them that I will forget.
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: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Bank of America is suing me for not paying back medical bills while XXXX XXXX are flooding into our country by the hundreds and being given free rent, housing, and food money. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I used a debt relief program in XXXXXXXX XXXX XXXX, and i was not satisfied with the program and i ended it in XXXX. I then have tried at least 5 times to get access to my account ( after XXXX ) to pay but they ( bank of america ) denied me access to my own credit account to do any changes. I could not log in, could not make a payment, could not do anything. They had given me at least XXXX different phone numbers to contact regarding me to pay off my credit but each time i gave them my bank info, they said " oh, you have to go to this department and they can help you '' ... I called them just now XXXX and she advised me that bank of america no longer has my credit with them and they " sold it off '' to somewhere even though I told them I am trying to pay it off. I have gotten no notice of this at all. I have only received the monthly statements from the bank of america XXXX account.. I want to file this complaint again because now not only will I be able to pay the credit for them, now my account is in collections even though my XXXX other credit accounts and companies they are apart of allowed me to log in and start a financial hardship payment plan. ( XXXX XXXX and XXXX ). Due to BoA 's complete disregard of my efforts to log in and pay my credit account off I want the credit wiped from my credit profile on all credit reporting agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I had an offer on my Banking Online from Bank of America that was either a Cash Advance or Balance Transfer with a 3 % fee if I applied before XX/XX/XXXX. I have been monitoring the promotional offer on my app for more than two weeks ( just waiting to be ready to request it ). However, on XX/XX/XXXX, when I finally decided to go through the promotional offer, the interest rate was changed to 4 %. The due date for the offer was kept the same, XX/XX/XXXX. I called the Bank, and I explained to them my arguments about the fact that the Bank had advertised the offer as valid until XX/XX/XXXX. They recognized they have changed the rate recently. I requested to talk to a supervisor but that was not successful. I firmly believe this is a false advertisement because they provided misleading and untrue information. Not sure if it was intended to or not, but they didnt respect what they had advertised already.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Reference : XXXX I am writing to express my extreme dissatisfaction with the ongoing delay in resolving my Bank of America ACH fraud claim ( XXXX ) for {$1200.00}, which I initially filed with CFPB on XX/XX/XXXX. Despite multiple follow-ups and assurances, my claim remains unresolved, causing significant financial hardship and frustration. On XX/XX/XXXX, I discovered unauthorized ACH activity on my account that was posted on XX/XX/XXXX. Immediately, on XX/XX/XXXX, I reported the fraudulent activity and filed a claim. I have resubmitted the claim multiple times : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX, I received a call from XXXX from B of A Fraud Executive Escalations Team, who called to follow up on my claim with the Consumer Protection Bureau. She reopened my claim and assured the appropriate procedures were being followed. However, no progress has been made. Bank of America cites needing cooperation from the other bank for claims exceeding 60 days, but this ignores my documented efforts to report the fraud promptly. On top of everything, I received a direct deposit from a client on XX/XX/XXXX. However, due to the negative balance caused by the unresolved fraudulent ACH activity, only a portion of the deposit was credited to my account. I only received {$660.00}, leaving me with {$800.00} of my hard-earned funds inaccessible!!! I am deeply frustrated and financially impacted by this ongoing delay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a credit card account with Bank of America. I had signed up for autopay. In the XXXX statement, I was charged a late fee on my account. The fee was repeated in XXXX and in XXXX. After the first alert, I called the bank and set up autopay again via phone. This call was on a recorded line and occurred between in XXXX and XXXX ( I do not recall the specific date ). Although the representative confirmed that the autopay was set up, it would seem that the autopay still did not go through and I was again charged late fees and the bank ended up reporting my account as past due to XXXX. When I found out about the report, I contacted the bank in XXXX to ask why late fees had been charged on my account since I had signed up for autopay. The bank notified me that due to an error in their system, my autopay did not go through and hence payments were not being made. Because this was caused by an error in their system, the Bank refunded me the late fees for all three months. I then requested that the bank remove the past due report they reported to XXXX. After reviewing my request, the bank declined to remove the report claiming that the reporting was accurate. But by their own admission and the fact that they refunded me the late fees, the bank admits that my account became past due as a result of a glitch in the bank 's autopay system. As such, their reporting on my credit is inaccurate because it was not my fault that the account became past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Bank of America XXXX XXXX XXXX XXXX Regarding Bank of America CC : Account was paid in full on XX/XX/year> to XXXX XXXX XXXX XXXX and we have received a letter from the agency indicating it has been paid in full. B of A will not issue a letter indicating the account is paid in full, stating they have not received the information indicating it has been paid. B of A has stated that their records indicate we have paid the amount due and to whom but still won't issue letter of paid, stating that it has not been cleared thru legal and they have to wait 28 days. I have spoken to 10 different people, and they all tell me something different. This situation is affecting the underwriting on a new home loan and I need assistance with B of A immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello I am writing you about my fraud transaction on my family account of Bank Of America. I came here 7 month ago and open family bank account at the Bank Of America. Firstly everything was .However 3 fraud transaction happened in XX/XX/XXXX. date : XX/XX/XXXX amount : {$1000.00} date : XX/XX/XXXX amount : {$110.00} date : XX/XX/XXXX amount : {$250.00} When it happened first time we immediately called and reported about this issue .They opened claim .In XX/XX/XXXXXXXX it fraud transaction happened again and we called them again and reported 2 fraud transaction. We changed our credit cards, phone numbers for avoiding this type of issues and Bank opened second claim for new 2 transactions. However they did not solve these problem. XX/XX/XXXXXXXX Bank Of America sent letter to us about first claim and they demand {$1000.00} payback .Then we tried open claim again and went to police and sent them police report .We did not spend this money. XX/XX/XXXXXXXX Bank Of America sent letter us about second claim .They closed the claim and demand also this money back. Bank Of America did not solve our problem and did not show information us about their research, how they decided that, about transactions but they demand money back we are new here, we dont have money .This issue affect our life .Our credit card limit is {$1000.00}, we couldnt spend money for a while .Also this issue affected our credit score. We did our best effort, We called Bank Of America more than 20 but their customer service always wasted our time on the line did not help us. I would appreciate a prompt resolution to this issue. Thank you for your attention to this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02135
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A