Date Received: 2023-12-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I made a deposit into my account with a check clear date of XX/XX/XXXX, on XX/XX/XXXX I was told my account was being closed without any reason. On XX/XX/XXXX I called the bank to see if my funds were available a representative confirmed the balance to be {$24000.00}. He told me he would put in a hardship claim for me to get my funds from inside the branch since my account was set to be closed and I needed my money, he told me it would take 5 business days to receive a response. Ive called everyday since then for an update with no updates, only answers Ive been given are very basic responses. Long behold today is XX/XX/XXXX and not only have I been told 4 different closure dates, initially being XX/XX/XXXX then after the hardship claim was entered I was told it sped up the closure process & it was set to close XX/XX/XXXX which it didnt. After making contact on XX/XX/XXXX I was told the closure date was set for XX/XX/XXXX then I made contact on XXXX which I was assured it would be closed on this date and only to be told its been extended to XX/XX/XXXX, l but also complete lies as far as having been told a cashier check is being mailed out via ups with a tracking number to be provided. Ive spoken to supervisors only to be told they have escalated it to a further department with no resolution or an exact date. They dont care because it isnt their money but this is unacceptable. My funds are being held without a reason and need to be released to me IMMEDIATELY. Once they decided to close my account without any reason other than it was a banking decision, I am supposed to be able to withdraw all my money out of the account. This should not take 3 or more weeks. I need a resolution in the form of MY FUNDS AVAILABLE INSIDE THE BRANCH OR AN EXPEDITED SHIPMENT OF MY FUNDS VIA CASHIER CHECK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/2019 I deposit a check that was paid to me of {$22000.00} and bank of America had a whole week to to verify the check and made it available on XX/XX/2019 and wen i was doing a transfer wire money they stop my fund and froze/ my account and took away my funds. It was the worst XXXX year ever in my life and ended up in the streets homeless
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90023
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I received email message saying UNUSUAL ACTIVITY SURROUNDING my BOFA Debit card ( chip ) at a XXXX XXXX XXXX XXXX which that XXXX or ATM I never use, that it, the fraud was DECLINED, again DECLINED after reports through onsite BOFA XXXX ( XXXX ) I spoke with a bank representative several times to be treated in a suspicious and brusque manner ( as if trained - and as with other complaints over the years, see XXXX XXXX XXXX REPORTS to FBI and other ) the DECLINED STATE ( chip ) has left me without access to funds for day-to-day expenses, a new card presumably to be delivered in XXXX days, the DECLINED ( not carried through ) ATM activity at XXXX XXXX XXXX XXXX XXXX which I never use!, is now XXXX entries in my checking account listing of transactions, a REVERSAL XXXX followed by a POSTING XXXX XXXX which leaves me inaccurately charged {$100.00} for a transaction stated as DECLINED, as it appears and bank fraud which happened before during COVID-19 in which I lost several XXXX dollars. The intransigence of the bank employees leaves suspiciin ( baby crying in background, surly BOFA employee ( voice remembered from XXXX past oimplaint some law-suit 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: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: From XXXX - XX/XX/XXXX I had numerous hacks and attempts of my money being stolen and my card constantly frozen. I was told by representatives to quickly move money from my account when a deposit hit because they had a problem with money being stolen from EDD cards. I have written a complaint twice regarding this and the response was that my credentials were given therefore not their fault. However, my credentials were not given but I believe stolen through their system. The XXXX letter a got the phone number to discuss was faulty and had too many numbers in the phone number so I could not reach XXXX XXXX who said in the letter they are not at fault. I don't understand how somebody would put 11 numbers for the main phone number on a business letter and not see the error unless intentional so I CAN NOT call her back. I am dumbfounded by the huge error if in fact an error. Early in XX/XX/XXXX when my 5-6th card number was hacked once again I was told by a representative someone had been calling and giving my information and trying to get into my account, so once again I froze it. however this representative also told me they had an accent and could not pronounce my name so was clearly a hacker and would send a new card. The day I got my card I called to find ALL my money had been send to XXXX XXXX. Also the bank has a max on the amount. you can transfer to your other accounts so the original suggestion " get your money out of bank quick '' was not useful because they didn't allow that much of a transfer. I found out shortly after my account was frozen and a new card was sent, someone obtained the new card number before I received my card, was able to change my address, phone number email and security questions even with all the notes on my account ( which I believe to be since the representative prior to the theft read them to me ). They were then able to XXXX XXXX the balance to somewhere and someone. The bank told me NOT to call the police because they would do their own investigation. When I have asked since then as to where the money was sent, to whom how this happened the response is that i gave them my credentials when clearly the other way around. In addition, I was left without any money for 2 weeks causing extreme financial hardship for my family and specifically my young child. Missing rent, missing utility payments, unable to sign her up for summer programs or purchase any food. I have told the bank and this on each of my complaint but they don't answer my questions, refuse to give me any information as to where my money was XXXX XXXX XXXX and leaving me feeling extremely vulnerable as it was clearly stated by representatives this person or person ; XXXX had my personal information ssn, address, email, etc. and access to my card numbers before I even did. It is quite clear my identity has been hacked, my social security number has been stolen through their system and they refuse to take any ownership so far as to send me letter with unusable phone number to reach out to discuss. When I called back the first representative and asked for the location of the XXXX XXXX wire and name they would not provide it and then told me to call the police months after the fact when originally told me NOT to call the police. I have asked them to listen to the recorded calls with their agents and they clearly did not because each letter response completely ignores my questions and gives me an answer to one I am not asking. I want the name and location of where my money was sent thru XXXX XXXX. Was it even in the state I now live???? It is not easy to pick up XXXX XXXX money and this person would have to have an ID with. my name of it unless they sent it to another name but they REFUSE to those details and just repeated the same answer to a question I was NOT asking. So completely disregarding what I am asking for and repeating that I got refunded and was solved is not the question. Who took it? and what are you going to do about my stolen identity and the fees and stress i had to go through due to your company 's actions???? I am in awe at how horribly they have handled this and I want loss for the funds I lost due to fees, having to borrow money and pay interest, ruining my XXXX XXXX, getting fined on numerous late payments and finally to have my identity stolen. Going with out food with a XXXX XXXX Who is using my social security number and after this I started having issues with another bank account I would transfer money too from this account. Therefore most positively identity theft! But to send me a letter with a non valid number with 11 digits so I can't even call back real sly and completely disregarding the actual issue and answering word for word something I know. Yes, I got the money back 2 weeks later but i also had my identity stolen, other bank account vulnerable and open to constant hacks and 2 weeks with NO MONEY. I will keep posting this and I want some real help from BofA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49686
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was sold and bought illegally because I was a victim of the XXXX data breach as a result I have illegal accounts on my credit report, I have cellphone in my name that I didn't apply for, I was a victim of XXXX fraud we're someone used my info. XXXX has admitted to me that I was affected by the data breach but has done nothing to take this illegal accounts of my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92311
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I used a Bank Of America ATM and selected to withdraw {$1000.00}. Upon dispensing the funds, I was only given {$200.00}. I immediately called the number on the back of the card and I was told they'd look into the matter. I never heard back so on XX/XX/XXXX I went into the branch and was told they couldn't do anything for me and to contact the number on the back of the card again. Since then I have reached out several times ( XX/XX/XXXX, XXXX, XXXX, XXXX ). When I spoke to them today ( XXXX ) I was told they closed my inquiry because them ATM log shows the ATM dispensed the full {$1000.00}. I asked if I could speak with someone else or another department, but he said even if I called back the answer would be the same because their investigation was concluded. I do not feel this is fair. I work hard for my money and am not lying. I was not given the opportunity to escalate this further, nor was I provided proof of their findings. Please help! {$800.00} is a weeks pay. ATM transaction # XXXX ATM ID # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023, Bank of America charged off a CREDIT I had on a long held XXXX account. The CREDIT balance of {$26000.00} was a result of a duplicate payment. Instead of refunding me, Bank of America closed my account and is now reporting this to the credit agencies as charged off debt. Furthermore, Bank of America either owns or sold this alleged debt to a third party debt collector in violation of the Fair Debt Collections Practices that 1. Violated my privacy, 2. Was not a debt to be sold, 3. Owns third party debt collector and has contacted me pretending to be this third party debt collector as I received correspondence from BofA after I responded to third party debit collector who otherwise would have no idea regarding 3rd party attempting to collect a non-debt. This account had previously been REMOVED from my credit reports, and Bank of America is now threatening to put this CREDIT BOFA OWES ME on my credit report. I require Bank of America to pay me the {$26000.00} that they owe me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank of America has taken two certified government checks of mine. The first one was on XX/XX/2023, I went to the bank to deposit a business check into my business account but was told i couldn't and that I needed to open a personal account, I thought it was strange but did it because I was talking to the XXXX. The day the funds were to be available, was the day they closed the account. I assumed they closed it due to a business check being deposited into a personal account but they said something about fraud and that they would send the check back to the IRS but they did not, {$13000.00} just gone and never seen again! Present day, XX/XX/2023 I went to deposit another check for {$21.00}, XXXX into my business account, the funds were suppose to be available on XX/XX/2023. On that day I woke up to not having a bank account again but this time it's my business account. Once again, I did not receive any notice or warning concerning my account closing. I literally have nothing now that they took all of my money. They claim fraud or an invalid deposit but they never gave me a valid reason, just that were they're going to send it back to " the maker '' but they never sent the other check from XXXX back, so I knew that was a lie! After speaking with several different representatives from Client Protect, I've never felt so unprotected and confused in my life. I received so many conflicting answers to my one and only question " WHY DID YOU CLOSE MY ACCOUNT? ". I was told I needed to contact then IRS because the check is fraudulent, so I did 3 times and each time I was told that every check sent to me was good and my business is good, NO fraud, NO investigation, NO red flags NOTHING which is the complete opposite to what Bank of America keeps telling me. I have not done anything wrong and Bank of America stole my money and refuses to return it to the rightful owner which is me! I have XXXX children to take care plus XXXX business to run to make living, My rent was not paid for this month due to them closing my account and not willing to return my money.
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: 2023-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-08
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/2023 there was a XXXX charge made on XXXX followed by a XXXX charge. During that time I contacted Bank of America XXXX months in a row, the first month I was told the amount would be investigated and refunded within XXXX days unless I heard otherwise. Bank of America informed me when I called back the following month that the investigation never took place and then I would have to refile the dispute, this is now XXXX Days Later which is past their XXXX timeline that I was informed of on a recorded line indicating that I would be refunded in full unless informed otherwise, but due to their persistence that they did not plan to help me unless I otherwise filed a new complaint I proceeded to do so, they rejected that complaint promptly and failed to refund the total charges resulting in them assisting in unauthorized use which is a federal crime punishable by Hefty civil penalties for non-compliance. Additionally due to this refund never coming back to my account my bank account has had thousands of dollars in late fees and negative balances as I no longer have confidence in this bank 's ability to maintain compliance in a way that makes me feel comfortable using their services. I've followed up month over month resulting in no further help from their team and they insist they are not willing to help in any other way. In addition to further fees there willful non-compliance resulted in my eviction from my primary residence costing me and my family mental and financial distress since this occurred. I still have an outstanding balance from my primary residence that I was evicted of of {$16000.00} due to Bank of America 's aparent commitment to aiding fraud. at his point I hate the Bank as well as the entire United States banking system as a whole. What I am demanding at this time is to refund all of the late fees that have resulted since the initial transaction on XXXX XXXX and refund both the {$4300.00} and {$13000.00} payment with interest and keep my account open. If you choose to do anything other than this I will have no choice but to file a civil Federal lawsuit for the damages of fraud, racketeering, willful non-compliance, obstruction of justice, breach of fiduciary duty and all of the associated Federal Reserve act civil penalties in addition to my legal fees, and demand for compensation in relocating. save us both our time by reimbursing the above charges and all late and negative account fees to avoid further action in federal court and additional claims through the FDIC and SEC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2023-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-07
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I used my Bofa EDD debit card in XXXX gas station to pump gas. The first attempt, only XXXX was able to pump and it stop working. So I tried to do this again, and nothing came out. So I went inside the gas station to ask the attendant if there's something wrong with their pump and he said, nothing is wrong and try the pump behind where my car is. So I did. I went outside moved my car and tried to pump again using the XXXX app where my EDD debit card is linked for payment. And it did it again, nothing was coming out. So I went inside again and they said it must be down because another customer tried in a different pump and it also didn't work. I didn't know that everytime I attempted to pump, they placed a {$100.00} authorization on my card. It's been past 72hrs and the {$200.00} hold is still in my edd debit card. I called XXXX to fix it, they said they can not do anything about it and to contact BofA EDD and dispute it. BofA EDD on the other hand, is telling me that they can not file a dispute on it until it post. How can it post if there's no transaction that took place? They told me the hold is may placed up to 30 days before it falls off. Is this even reasonable? I am unemployed and I need that money to buy food and gas.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90620
Submitted Via: Web
Date Sent: 2023-12-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A