Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I was robbed and became a victim of fraud and lost XXXX dollars. I submitted the fraud claims as soon as I found out. I also obtained a police report and submitted that. After several hours of sitting on hold with BOA XXXX department and getting nothing accomplished I began reaching out to supervisors, still BOA continued to give me illegitimate reasons why I was unable to be reimbursed. The transactions made were all from establishments with cameras that can easily be viewed and identify that it was not me making the transactions, so I'm unsure of what kind of investigation was done. BOA told me that because " it was highly unlikely that someone would be able to guess my PIN '' I thought that was supposed to be there security feature to protect me! They also told me that I was " receiving notices on my phone of fraud '' that to this day I do not have. Another excuse they tried was that " I didn't try to empty my account '' which I did. After filling a complaint with CFPB BOA resolutions department reached out and did was able to expedite the process and get some things resolved. I have a XXXX XXXX of every letter I received from BOA and every person I have talked to. I received a letter on XX/XX/XXXX stating that a claim for XXXX dollars has been resolved and that the account has a permanent credit. Yesterday I received a letter dated XX/XX/XXXX stating that the same claim was not approved. I think that BOA is coming up with excuses to try to steal my money. I have flooded there media with complaints and am getting exhausted with this process and just want to part ways with this bank but they wont take the restrictions off the account so I can close it. I am a career firefighter and integrity is a trait we need to hold, I feel as if BOA is questioning my integrity and trying to steal my money! I need help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: XXXX. ) Receive a notice on from Bank of America on XX/XX/2023 stating that corporate the credit line for XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX NC XXXX was reduced to {$1000.00}. The reason given in the letter was that there were one of more trades on record that were not paid as agreed. The ratio of recent balances to historical use is too high. As the church 's authorized purchaser, I called to inquire about the reason for the decrease and was told that information was received from the business credit reporting agency XXXX XXXX XXXX. A church authorized representative contacted XXXX on XX/XX/2023 and they said there was no report on file and no profile available with the church 's EIN and name. Afterwards Bank of America suggested that the church request business credit reports from each of the XXXX credit bureaus. The church obtained reports from XXXX and XXXX which showed no outstanding balances and confirmed that we have a low-risk credit rating. We further contacted XXXX XXXX XXXX to request a XXXX business credit report, and based on our XXXX 's number we received the same results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My XXXX account was hacked. Then they hacked my Bank of America account. They credited me the money back. {$750.00}. Then they took it back. I wrote them, no reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11214
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX the XXXX they bank closed my account without notification and kept XXXX they will not return it. XXXX of this money was transferred from my XXXX XXXX XXXX account to this account, and the rest is personal loans from friends and family for a XXXX XXXX XXXX. I don't owe any money to them yet they closed my account and will not return my money. On XXXX I went to the bank to withdraw money and was told they were unable to give me the money as my account was locked. XXXX I called bank of america customer service they say they are unable to give me money or information because the account is closed. The bank stole my money and I need it back. I have XXXX children to take care of. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a Bamk of America Transfer Order in the amolunt of {$150000.00} US. I thought this looked to be a scam so I investigated it by several emails to XXXX XXXX, Executiver Vice President of the Bank of America Escrow After many emails in the months that followed I sent her a form to comfirm this was real. I asked her if it was fraud not to sign it. Also that if it turned out to be fraud later, she would have to pay for this from her own funds, thus guaranteeing the funds would be sent to me. This was on XX/XX/XXXX that she sugned and returned it to me. I was requested to pay {$2800.00} US to XXXX XXXX XXXX XXXX. I paid {$1000.00} on about XX/XX/XXXX and the balance on XX/XX/XXXX. Aftere many, many more emails to her requesting my funds be release and paid to me, I got a message from her on XX/XX/XXXX stating that they totally agree with the guarantee that was signed, that the money is only waiting for the payment to be released. Being it is impossble to make any more payuments from here, can not do a bank transfer etc, I requested any furher charges be deducte from the transfer. Many more mails were written, threats were made to have the Bank of America math any funds transferred out of that bank, and other things. Now she won't even answer my emails, the last time I tried to write to her I got an error message saying my message was not delliverable. I never received any money whatsoever, My local police department declared this to be fraud. I have lost the {$4000.00} US plus the funds promised to me. i am a XXXX citizen living in XXXX. If more information is requred please email me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I took XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, New York to XXXX XXXX, XXXX on XX/XX/2023, and I returned to New York by taking XXXX XXXX XXXX XXXX XXXX on XX/XX/2023. On XX/XX/2023, I went to Bank of America branch located at XXXX XXXX, XXXX XXXX NY XXXX, and tried to use ATM in the branch but my debit card did work. Therefore, I reached a representative in the branch to inquire about my BOA account. He told me that theres a new BOA debit card, so the old one can no longer be used. At this moment, I felt something wrong because my old BOA debit card did not expire, and I did not receive a new debit card. Then I asked the representative to inquire about my account balance, he told me that I owed {$44.00} something. I told him that I had balance more than {$20000.00} before I went to XXXX, and how come I owed you {$44.00}. Therefore, I further reached out to a client manager in the branch in person to check my account details. The client manager, she told me that therere six unusual transactions under my old BOA debit card in total amount of {$18000.00} in XXXX. She also told me that on XX/XX/2023, someone applied for a new BOA debit card to replace my old one at BOA XXXX branch. And therere two transactions under the new debit card in the amount of {$5900.00}. Moreover, she also informed me that my address had been changed to another location. The client manager told me that I will receive updates on my claim, and I may receive my money back on XX/XX/2023. On XX/XX/2023, I went to Bank of America branch located at XXXX XXXXXXXX XXXX XXXX, NY XXXX for an update. The client manager told me the claims were not approved and closed, she helped me open the claims again. I neither initiated any transactions nor authorized anyone else to access my BOA account during my vacations. I also neither applied for a new BOA debit card to replace the old debit card, nor authorized anyone else to do it for me. As of XX/XX/2023, I have not yet received any update related to my re-opened claims. In addition, I do not understand how a identity theft can transfer all my money in my BOA account and change my address within 2 days with no restriction and any suspection at BOA end. And my first claims related to amounts of {$18000.00} and amounts of {$5900.00} were denied by BOA. I dont understand how BOA internal investigation justified these unauthorized and suspicious acvitivites and denied my claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This was for a Business credit card through Bank of America. This was an inquiry that I did not authorize for a hard pull on my behalf. My personal credit is being affected by this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90640
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Never I take the credit cards and I have like XXXX balance for different credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/ I was doubled processed from my credit card payment without my knowledge. I had {$280.00} taken twice from my checking account, for a singular min payment. I also only received one confirmation number for the process but was charged twice. Bank of America has yet to give an accurate date of when I will be receiving my funds as the previously stated 5-7 business days was false. I contacted them 3 times and each time a representative gave me a different time estimate and took different approaches and procedures for transferring back my money. I also have been charged overdraft fees due to being short {$280.00}. Ive spent multiple hours on the phone for no resolution and feel I am being taken advantage of. Ive spoken with a supervisor who claims they cant get me my money for possibly another month on top of the past week or so Ive been short which would put me into more overdraft fees and also cause me not to have funds for living
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good evening, My name is XXXX XXXX. In XXXX of XXXX, I had my bag stolen with my wallet and phone. It seems the person was following me all night and saw when I inputted my pin code because the person did numerous fraudulent activities to my Bank of America account. The person stole XXXX from me and I have been trying to get help from Bank of America and they just refuse to help me. In fact, they barely even believe me. Every time I call, the agent makes me go through so many obstacles just to get the status of the claims. They're rude, they mock me, they even call me a woman and when I correct them, they giggle. It's extremely disrespectful. Bank of America wants me to go into a branch every single time I speak to them over the phone. I have verified my identity numerous times and have given mountains of evidence. It isn't fair that I am not being heard or respected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A