Date Received: 2023-12-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I am currently on XXXX XXXX XXXX ( XXXX ) and requested through XXXX a Bank of America debit card for faster payment. On the XXXX state website it states you can request an emergency wire transfer if you are waiting to receive your card and already got payment by contacting customer service. I called XX/XX/XXXX and requested a wire transfer since I have not received the card. The customer service representative said she could not do that because I have to receive the card first, activate it, then I can receive my money. I asked her if she can provide that policy because that is not what it says on the state website. I called again on XX/XX/XXXX and was told the same thing. I asked for a supervisor this time and asked them to provide a copy of that policy. I asked him to view the XXXX XXXX website because that is not what it says. He then said he will do it. He asked what ID I was going to use at XXXX XXXX to pick up the cash. I told him military ID. He then asked for the ID number and I asked him if he needed the XXXX number on the card or the health benefits number. He then questioned if it was a VA health card and I told him no. I informed him I was a 100 % XXXX veteran and was issued a XXXX military ID card. He then stated it was not an acceptable government ID and the only acceptable military ID they can take is XXXX XXXX. I asked him where it says that on the XXXX XXXX website, Bank of America website, and XXXX XXXX website and he could not find it stating that. I asked for their policy on government military ID card and he could not provide it as well. I told him I would waive all rights and liability if XXXX XXXX does not accept my ID because he stated it would take 30-45 days to receive money if XXXX XXXX does not accept my ID and holds the funds. He said he can only release {$300.00} out of {$1900.00}. I was on the phone with him for an hour and he said that is the best I can do. I explained to him I was on a military base earlier in the day and my XXXX issued ID card was accepted at which point he insisted that I have to be XXXX XXXX. He then said the {$300.00} is all I can receive to take or wait for my debit card in the mail. That payment he would not release caused hardship and emotional distress. I felt discriminated based on the fact I told him I was a XXXX veteran.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91913
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: It is my consumer right to be granted credit I can not be discriminated against without recourse I also was not given a specific reason which they stated in the letter given to me that they couldn't specify my reason they just gave me a list of reasons why I'm considering going into arbitration process if this decision is not reversed and my rights are acknowledged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
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: incident date : XX/XX/2023 Bank of America. XXXX Amount : {$2000.00} I found out that there were 2 unauthorized transaction via XXXX in Bank of America. Total amount was {$2000.00}. The money was sent to XXXX I never had a transaction history with this recipient.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 274XX
Submitted Via: Web
Date Sent: 2023-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello I have a business bank account with Bank of America and Ive deposited money into that account from business revenue so far in the amount of about {$14000.00} and on XX/XX/2023 i was no longer able to access online banking. When i called i was told that the phone number that i had on file could not be used to gain access to my account and that they could not help me further without goin to a branch and then on XX/XX/2023 my business debit card stopped working and i called again and the representative told me they couldnt send a code to my phone to verify me so therefore they could not help me and that i needed to go to a branch, they would not tell me why my debit card was not working or why my online banking was not accessible they also told me i should receive a letter regarding my account and a reference code, Ive NEVER received such letters regarding my account besides a bank statement. this is absurd and i went to a Bank of America branch with my id credit card and social and was told that they could not help me either and that i had to speak to someone on the phone. So as you can see there giving me the run around i need to access my account to run my business smoothly and effectively this is completely unacceptable for Bank of America at the very least i should receive a letter outlining the status of my account!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11221
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Received a XXXX 's check on XX/XX/XXXX from BofA in XXXX XXXX. Deposited same day at branch on XXXX on in XXXX. This was placed on hold despite this check being fully secured and cash
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85268
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I sent {$1400.00} to a person I thought was a landlord renting out an apartment in XXXX, turns out they were a scammer who had an account at the XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. On XX/XX/XXXX I filed a police report with the City of XXXX, MA and also called Bank of America to have the funds frozen/recalled/claimed back to my account. I was never given a claim number at the end of the five minute phone call and was told that everything would be taken care of at this point by Bank of America. Wrong. They never even filed a claim or recall, never even bothered to write down the police report number I gave them. Fast-forward to the present, XX/XX/2023 and I have been told that while the investigation still has XXXX more business days to proceed ( which I was lied to multiple times about what day I was on in the investigation ), but because the XXXXXXXX XXXX XXXX XXXX has not responded to their internal messaging system ( which I have no proof of or any dates that they sent them on ) they will be denying my scam claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02145
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was robbed in XXXX XXXX for my cards and banking information from room XXXX and it was in the vault on XX/XX/XXXX My ID and my Bank Account Statements were stolen. I was asked by Bank of America to send in a video from the robbery since it was inside the elevator BUT XXXX XXXX Refuses to release the video. Im missing XXXX that was wired out of my Unemployment prepaid account XXXX so I opened a Real Bank of America ending in XXXX also someone opened a a account ending XXXX I was deposited XXXX on XX/XX/XXXX by IRS and someone illegally wired money out my account and the bank won't reimburse me without the video from XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I uninentionally bounced a {$200.00} check of which I paid including the fees. The check was valid just funds did not cover it. I do NOT have long standing record of bouncing checks. Bank of America added a fraud alert which is preventing my from my Civil persuit to happying, living according to the law and succeeding in my 4 newly established businesses that I can make or recieve payments. I have asked over and over for not even the removal but justification and they responded stating that they are not obligated to remove or respond to my request. I have sent multiple inquries and they have NOT responded to even one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95116
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank of America informed me that my account was closed on XXXX XXXX due to suspicious incoming funds. I explained that those funds were sent from my business account in XXXX Bank. They asked me to make a bank-to-bank request to recall the XXXX funds back to my business account in XXXX Bank. I did what they told me and recalled the XXXX funds. However, XXXX recall request was declined by BofA, saying my BofA account was closed, so they could not refund the money ; the other request was put under review for 90 days. BofA even told me, " XXXX bank claimed fraud against you, so you should talk to them. '' I confirmed with XXXX Bank, and it was obviously not true, as I made the claims to recall the funds by myself following BofA 's instructions. The whole situation is so confusing. It has been almost 3 months since BofA closed my account, and I still haven't gotten my money back, which I desperately needed. BofA told me there is no limitation on how long they need for the investigation ; it could even take a year. I don't think it makes sense. They could claim any account suspicious and keep people 's money forever for " investigation. '' Please help to intervene. I just want to get over {$50000.00} in my BofA account back to me, preferably on a check. Thank you very much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Bank of America fraudulently opened a credit card without my knowledge in XX/XX/2022 The amount was {$5000.00} Immediately called Bank of America to report it and made a police report This greatly impacted my credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A