Date Received: 2023-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Over a year ago, I notified Bank of America as soon as the transaction was taking place to reverse the transactions due to my being scammed through cash app and my bank account. I had to open a new account and, create a further XXXX authentication, and log in to my online app. I provided them with details that the scammer was saying transactions were not mine to make funds available to steal them through the cash app and then transfer the funds to a different cash app. I spoke to XXXX in the escalation department today after finding out that XXXX funds for my children had been taken out to pay for this fraudulent transaction I asked if I could pay on Friday here I go again continuing to pay for something that. I don't owe, and if they could make those funds available. I have been paying voluntary and involuntary payments to the bank for someone stealing my funds and felt robbed again this morning. XXXX then begin to belittle me and try to insult my intelligence in protecting myself and became insensitive telling me the debit was valid. I became livid and felt picked on after I told him to note again that this debit was fraudulent, which he did not do. I notified the bank of this issue while scammers were hacking my account in real time to stop them. I'm a victim of fraud and am not being protected. I'm filing a lawsuit as I feel completely taken advantage of. This has caused me so much stress and inability to pay bills to provide for my children and also emotional distress. My bank is taking advantage of me after providing all the proof, and they will not help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55446
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I received a notice from Bank of America that the credit line on my BOA XXXX card had been reduced from {$29000.00} to {$20000.00}. The primary reason stated for this decision was a late payment the previous month that resulted from a clerical error on my part ( I scheduled an online payment for XX/XX/XXXX instead of XX/XX/XXXX ), which I corrected as soon as I was made aware of it ( XX/XX/XXXX, XXXX day before their decision ) by paying the entire current and past due balance plus an additional sum. I called BOA 's customer service line on XX/XX/XXXX, and after spending 40 minutes on hold, spoke with a representative named XXXX who forwarded me to a representative named XXXX XXXX. XXXX offered to submit a " reconsideration '' on my behalf, which was denied, due in part to a " recent line reduction or cancellation of a BOA account '' ( the account in question is the only one I hold with BOA, so in essence the request was denied based on the very action that I was disputing ) .I was ultimately transferred to another representative named XXXX XXXX who resubmitted the same request, and informed me that it had again been denied. In sum, BOA reduced the credit line on a longstanding account ( active since XXXX ) by nearly one-third without any prior notification, based on a clear clerical error of which I had not been notified, exactly one day after I corrected the error and rendered payment in full. I subsequently contacted the company to attempt resolution, spoke to three different representatives, made two separate reconsideration requests, and was denied each time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29617
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
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 got XXXX transactions charged in my credit card on XXXX XXXX XX/XX/2023 without my authorization. I did not confirm, authorized or purchased any of those transactions and they were charged without my consent. The bank did not send me any alert until the last transaction and that was the only one that I could decline. My credit card information was stolen and scammers purchased online in target.com for about {$8900.00}. Now XXXX dealing with Bank of America to get a credit back for those transactions but they have been very slow in returning the money. They still owe me money even though I have called and disputed on several occasions since XX/XX/2023. I hope get this resolve soon and get my money back as soon as possible. This is so frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: All my irs refunds and stimulus were put into Bank of America account that Im not on account and I cant get my money contacted bank America and irs both bounce me back to each other all my stimulus and irs refunds were deposited into account not my name I never got
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33570
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: I have already filed a complaint about Bank of America opening an escrow account without my consent over a missed real estate tax payment. I have already paid the missed real estate taxes plus an additional {$6000.00}. My mortgage payments have more than doubled and I need help paying these excessive fees. I can pay my former mortgage payment of {$930.00} per month but not the {$2100.00} per month they are now charging me. I would like some guidance about returning to my previous mortgage amount per month. Please advice. Bank of America sent a list of all payment amounts and dates to me through the mail but has provided no assistance or guidance about how to equitably resolve the situation. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/XXXX I got a text message from Bank of America saying that they had approved the credit request in my name and they had sent a card over to me in 14 days. I called Bank of America because I did not apply for a card with them. They said that my social security number had been used on XX/XX/XXXX to open a card with XXXX which they said was some kind of XXXX XXXX XXXX. I informed them that the credit card was not applied by me and they said they were going to cancel the card as attempted fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03820
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I initiated 2 claims with Bank Of America on XX/XX/XXXX for fraudulent debit card charges on my checking account. One was in the amount of {$980.00} and the other was for {$640.00}. The date range of the fraudulent transactions went back as far as 11 months prior to XX/XX/, but many were more recent. These fraudulent charges were made against my checking account debit card without my knowledge or consent. My debit was in my possession at all times. I filed the claims with the help of an associate in the BOA Debit Card Fraud department on XX/XX/23. The debit card charges were initially put in a " Temporary Credit Adjustment '' status and then later denied because they were " outside the 12 month window ''. If that were true ( and it is not ), why would the BOA associate have helped me file it? Plus, if BOA took too long to review the issues, why should I be penalized for that? That " blanket '' explanation did not apply to the dozens of fraudulent charges that occurred over several months. Additionally, why would BOA provide a temporary credit adjustment if they thought it was outside of the 12 month window? This does not make sense on many levels. I appealed these decisions to BOA and my appeals on both claims were again denied. This result was very disappointing as I have filed other claims for much smaller amounts and they were paid. That seems inconsistent. I acted in good faith and I expect Bank of America to do the same. Please review and advise. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit of a Cashiers Bank Check in the amount of {$20.00}, they put a two day hold on it. I then deposited my certified payroll Check in the amount of {$3500.00}, and they put a one week hold on it. They said they are trying to build a relationship with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77493
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Trouble during payment process
Subissue: Lien release
Consumer Complaint: I applied for a HELOC loan with bank of America Back in XXXX of XXXX. My application was accepted, and we were in the underwriting process. Bank of America found that there was a Lien still on my home and stated that they could not proceed unless the lien was released. Bank of America had done the loan modification for me back in XXXX as they were the holder of the note for my mortgage. Bank of America had sold the servicing to another company, and since then I had refinanced from the FHA loan to a Conventional loan. All notes were paid when I refinanced. I reached out to ISN for a copy of the lien release from the modification and they provided it. Bank of America 's underwriting department for the HELOC was still showing a Lein on my house however for the exact amount as the release. When I reached out to the county to get the paperwork that was filed, I was able to retrieve both the original and duplicated lien that they had filed. I am now unable to do anything with my house because of the duplicated lien. ISN has maintained that they do not have such recording of the duplicate, and that Bank of America needs to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The complaint against Bank Of America N.A. On XX/XX/2023 I deposited a check for {$5400.00} at the ATM and on the screen it only showed {$410.00} the machine wouldn't allow me to cancel and use any of the commands on the screen the bank had closed while I was trying to cancel said transaction to retrieve my check from the ATM machine it then printed a receipt with a deposit of {$410.00} not the {$5400.00} which was the correct amount of the check deposited. I called Customer Service and spoke to XXXX and she said the funds will be released on XX/XX/XXXX and gave me a case number. On XX/XX/XXXX I received notification that they put a hold on my check until XX/XX/XXXX, I then called Customer Service I spoke to XXXX regarding this deposit/hold issue she tried to get the money released sooner with her supervisor but unsuccessful I was then transferred to the Fraud Dept XXXX I was told by the Supervisor XXXX that my funds will be available on XX/XX/XXXX on that day the money was still on Hold, I called in again spoke to XXXX I asked for the Supervisor I spoke to Supervisor XXXX with no resolution said I had to wait until the XXXX that there's nothing he could do, I told him that's a total of 8 days not including the weekends that I need my money and this was ridiculous. On my account it stated " XXXX XXXX '' I asked XXXX what do that mean he couldn't explain. This isn't ethical or professional. Can you please help me with injustice?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A