Date Received: 2023-12-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I checked my bank account and saw two XXXX transactions that I did not authorize. I called my bank the same day XX/XX/XXXX to report the fraudulent charges. I called to receive an update on my claim and was told it was denied because the bank had no proof that I did not commit the fraud. When I called my bank again, I was told to contact XXXX, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX. I contacted XXXX and got no help because the fraud did not happen through the XXXX XXXX, it happened using my phone number to get money directly from my bank account. I called XXXX to see if I could get anything proving that I did not commit the fraud. The person I spoke to was unable to provide any information stating that I did not commit the fraud and suggested that I call XXXX. I explained to them that I did contact XXXX and relayed the message that I received about being unable to receive assistance because I did not use the XXXX app. I called the XXXX XXXX at XXXX XXXX to see what I could do. I explained that I had money taken out of my bank account using XXXX and that I did not authorize the transaction. I also explained how my bank needed something in writing proving that I did not authorize the transaction. The person I spoke to explained that the XXXX XXXX could scan my phone for any viruses and malware that could leave my phone susceptible or vulnerable to hackers. She also explained that the XXXX XXXX would be able to give me something in writing stating that my phone had viruses if they were to determine that. I made an appointment the same day I spoke to the representative. I went to XXXX XXXX and was told they don't have the capacity to check my phone. They explained to me that they would be able to scan my device if the fraud happened on my computer but because it was on my cell phone, they were unable to assist me. I called the XXXX XXXX customer service number again and explained my situation again. They suggested I call XXXX XXXX to see what they could do. I contacted XXXX XXXX through text ( I still have the entire text thread ) and explained what was going on. They were able to schedule a phone call with me that evening. The person who called asked me to explain in detail what was going on. He suggested I download a malware app to scan my device to see if my device is compromised. He was unable to provide me with anything in writing suggesting that I did not commit the fraud. I filed a police report and am waiting back for the pdf form. I am unsure if the malware app would be sufficient enough to prove my phone is compromised. My bank said that the police report may help. I did some research and found some numbers associated with the number that took my money as well as names associated with it. The numbers I found are ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX XXXX. The names are XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and XXXX XXXX. An email address associated with XXXX XXXX is XXXX. I was looking for apartments last month and provided information to answer the supplemental questions. The websites I used were XXXX, XXXX, XXXX, XXXX, XXXX. I was able to get in touch with the owner of the property and he informed me that he listed the property on XX/XX/, I saw the property online on XX/XX/. We communicated back and forth with him stating the unit was illegally posted and the number on the unit was not his phone number. I also reported this crime to the FTC as well as the FBI Cyber Crime Unit. I did some research and saw on the XXXX XXXX XXXX website that this subject was covered in an article talking about victims of XXXX fraud so I reported my situation to them as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95125
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Today XX/XX/2023 I received a letter from Bank of America informing me that they have made a decision to close my accounts. I contacted the headquarters and was told my a representative that the decision is permanent and they can not disclose why the decision was made. I realize that I do have a legal matter with the government but I am fulfilling my obligations with them. I have been with Bank of America for many, many years. Please advise. What recourse do I have? Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06095
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Since XX/XX/2023 we have been calling and faxing Bank of America about the lien on the house that was found when I was in the process of selling my house which has now been sold. Myself, my son and my lawyer have talked to the Bank of America numerous times and they continue to say we have to fax the legal department for us to get the documentation we need to show that the account has been closed and satisfactory due to bankruptcy. Bank of America tells us there is no lien and the account is closed and there is no money owed. The title company says there is a lien on the house for approx {$7000.00} from the Bank of America. The house has been sold since XX/XX/2023 and the money from that sell is still with the buyers bank due to this issue. I cant moved forward because of this. Since XXXX, my lawyer, my son and I have faxed the legal department 3-4 times a week with no response. On XX/XX/2023 I called Bank of America again. They proceed to say there is no amount due, the account is closed and satisfactory due to bankruptcy and they can not provide any documentation saying that, it must come through their legal department. They said we need to send a fax to the legal department to get the statement we are requesting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
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 paid my balance on XX/XX/2023 = {$14000.00} Bank of America informed me at this time my account would be zeroed out Then Bank of America took an additional {$14000.00} out of my account in XX/XX/2023 I have made multiple phone calls with an average hold time of 50 minutes I received an email on XX/XX/2023 that I was to get the refund never got it more phone calls When someone finally came on the phone then discussed refund with supervisor said it would be an additional 10 days I said that if I owed you the money you would charge me a lot of interest XXXX hung up I called back again waited 42 minutes when I asked to speak to a supervisor I was Immediately disconnected AGAIN
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: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a cash deposit into my savings account at Bank of America with an teller inside of the branch, on XX/XX/2023 for {$500.00}. On XX/XX/XXXX the bank had taken {$460.00} of my money. And cause my {$150.00} for my cell phone to not clear. And a credit card payment for XXXX XXXX to not clear as well. I am in an active bankruptcy. My bankruptcy was filed in XXXX of this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: In XXXX XXXX, we had a refrigerator die while we were out of town. We had extended warrantee coverage through XXXX, who covered the cost to replace the refrigerator ( ~ {$1800.00} ) and the lost contents ( {$260.00} ). To resolve this coverage, XXXX sends the money to Bank of America, who issues me prepaid debit cards. I did not ever activate the cards and they were displaced for awhile during some construction we were doing. I never noticed that the cards had different expiration dates : one of the cards expired XX/XX/XXXX ( {$260.00} ) and the other expires XX/XX/XXXX. I went to use the cards yesterday and found that one of them did not work - the one that expired XX/XX/XXXX. When I called B of A, they advised me that once this particular card expired, the account is close and the monies are forfeited. There was no notification sent to me advising that the card was about to expire and I would forfeit the funds. There is small print on the card that advises of this policy, but it is on one card and not the other. BofA never contacted me about the cards being received or why they had not been activated. This is all information they would have in their databank. I can not imagine that this is legal. That a bank could take money ( which does not expire ) from XXXX, and send to me in a form that expires, whereupon the bank can keep the money. It is akin to theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83642
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had a fraud issue where someone stole my information and gained access to my account. This all happened XX/XX/XXXX as soon as I noticed my information was missing I called Bank Of America when I called the rep stated the best thing would be to have the account frozen and open another checking I said ok. I fast forward to XX/XX/XXXX my account was locked I could not log into my online banking I call and was told my account is being closed and I would receive a cashiers check I asked questions reps were rude reading scripts about the account being closed not one rep over the phone could answer my questions or help me. I then decided to go to a Bank Of America Branch which is located at XXXX XXXX XXXX XXXX, CT XXXX I figured it would be better for me to go to a branch in person so my identity could be confirmed. I spoke with a banker at the branch briefly the banker did not take my information or run my information the banker did not even ask me my name. I left for a second I came back because I needed to speak with a banker about my situation the same instance happened I spoke briefly with a banker for the second time still the banker did not ask for my name nor run my information which is negligence because I've never banked at the XXXX XXXX branch they do not know who I am. I went to the branch because it is the closest branch to where I live I usually go to the branch that is a town over from me. After leaving I called the risk and closure department and asked if I could pick up the cashier 's check in person I was told no it has to be mailed and it would take 10 days. The issue I have with this is when mailing a check the check can be mailed to the wrong person or to a person pretending to be someone I personally feel it would make better sense to make the account holder come to the branch with their ID and social to verify their identity and then issue the check once identity has been confirmed in person. I contacted the risk and closure department today XX/XX/XXXX I was told my account would be closed on XX/XX/XXXX this is a big problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to also mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A month from now is unacceptable please please please help get this resolved sooner.
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: 2023-12-07
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Tried to logon to my XXXX XXXX bank account, but couldnt access; tried two more times, then I was locked out. There was a XXXX number to call for XXXX Customer Service XXXX Called, explained problem ( just got new XXXX two days before and I thought that was the reason I couldnt get in new device ). Possibly part of the problem, but problem needed to be turned over to our fraud department and would I give them a time to call me back. A person from XXXX Fraud unit named XXXX did and I was told at XXXX XX/XX/XXXX someone from XXXX XXXX XXXX hacked my email address requesting {$40000.00} USD from XXXX This is an XXXX XXXX XXXX XXXX, therefore it must be reported to the Feds. Since international money transfers take between XXXX hours to process, there was time to freeze the transaction. Someone named XXXX XXXX supposedly a Fed ) would be our contact and she provided the name of the bank XXXX Bank of America in XXXX XXXX, CA XXXX ) we should wire the $ XXXX to an escrow account to hold. This document also had names, addresses, account/routing numbers, etc THIS INFO : BofA Bank Name XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Routing : XXXX XXXX address : XXXX XXXX XXXX, XXXX XXXX. CA XXXX Account holder address : XXXX XXXX XXXX XXXX, CA XXXX Unfortunately we did wire {$40000.00} to this address. The story goes on and on from here but Im not sure how much detail you need initially. We have gone to our REAL XXXX XXXX bank and had both checking/savings account numbers changed and XXXX has put a request to BofA to return the $ XXXX, but all they can do is request so Im not holding my breath. In the mean time the false XXXX and FBI agents ( XXXX, XXXX and XXXX ) have been calling me all day requesting another $ XXXX to be transferred. Stopped responding to texts and phone calls and I. CERTAINLY DID NOT WIRE ANOTHER $ XXXX!!! Phone numbers these people are calling from are : XXXX XXXX ( sometimes from XXXX, FL if there is such a place?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Bank of American provided false information to XXXX that my name is XXXX XXXX XXXX. On the basis of this I was denied credit. They need to pay damages and fix my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: On XX/XX/2023, I applied for an auto loan. The advertised rate was 6.29 % minus .5 % discount for being a diamond tier member. Instead of receiving a rate of 5.79 % I was given a 5.99 % rate. As a longtime customer with a credit score of XXXX and assets deposited in this institution exceeding XXXX times the loan amount. I was puzzled as to the reason. I have made three requests for the specific reason that I did not receive the banks lowest advertised rate. In all three requests I was only given general reasons. I believe that Bank of America is in violation of the Equal Credit Opportunity Act - Regulation B - for not disclosing the specific reason I was denied. I was my hope that this bureau would investigate this issue and not just close my complaint when Bank of America refused to answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07016
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A