Date Received: 2024-02-20
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 would like to register a complaint about a Fraudulent transaction on my Credit Card. Attached is the receipt for the Fraudulent transaction and below are complete details : Bank/ Credit Card Issuer XXXX Bank of America Card Type : VISA Merchant : XXXX XXXX, Store # XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Purchase Amount : {$1000.00} Purchase Type : In-Store Self Check Out/ Card Purchase Date of Fraudulent Purchase : XXXXXXXX Time of Purchase : XXXX The credit card used for the above purchase was with me, and I am at my home at the time of the Fraudulent activity ( XXXXXXXX XXXX ). I received a text message on my mobile on XXXX at XXXX about the above purchase, after which I immediately 'locked " my XXXX Bank of America credit cards and called Bank of America Fraud protection customer service and reported the fraud. I spoke with XXXX XXXX store the next day ( XXXX ) and informed them about the incident. I spoke to store manager ( s ) 3 times over phone and went to the store and got the attached Receipt with the details of the goods purchased using my ( cloned ) Credit Card. Bank of America closed my claim stating I am responsible for these charges, and I am not happy about being held responsible because I did not loose credit card and my physical credit card was not used for the purchase. Attached are the screenshots of the Claim, Claim Notes and the Credit Card transactions asking me to pay the charges.
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: 2024-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: o On XX/XX/XXXX Bank of America had decided to close down my savings account o Between XX/XX/XXXX to XX/XX/XXXX, I have contacted both the Branch of Bank of America and via phone, finally was able to reach their customer service and fraud department, who was unable / willing to provide any reasons or remedy for correcting this false information. o Bank of America reported me for Suspected Fraud Activity via XXXX and refused to provide any basis for such conclusion despite several attempts by me to request for information or provide any required information. o I have never been involved in any fraud nor have ever used my bank accounts as a means for any fraudulent activities, anywhere at any time. o To my knowledge, my account was never used by any third party as a means of fraud or fraudulent activities. See further details in the attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10312
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Last month, I encountered a significant issue after making a transfer request from my Bank of America account to my account ( under the exact same company name and address ) at XXXX XXXX. Unfortunately, the transfer was canceled, and subsequently, my Bank of America account was blocked. This has left me without access to my online banking at a critical time, as I urgently needed to make a mortgage payment of {$3500.00} the next from XXXX. Regrettably, I have not received any communication from Bank of America regarding the blocking of my account. There were no emails or calls explaining the situation or providing guidance on how to resolve this matter. It was only when I attempted to use my account that I discovered the issue. I promptly contacted Bank of America customer service for assistance, but I regret to inform you that my experience was far from satisfactory. Over the course of three hours ( 3 times! ), the customer service representatives were unable to offer a solution. Despite my request, they were unable to send me an SMS for confirmation, leaving me with no alternative means of accessing my account. The only suggestion provided was to visit a bank branch in person. This is not a viable solution for me, as I am an XXXX XXXX and will only be next in the US in XXXX, and especially given the multitude of secure authentication methods available in today 's digital age. I understand that security measures are crucial, but the lack of communication and the inability to provide a timely solution have left me in a challenging situation. I was unable to make a timely mortgage payment, and the urgency of this matter can not be overstated. And it was by Bank of America, as the Manager of my branch XXXX XXXX ignores my emails and via phone and just hang up now. A formal complaint was raised in one of the calls and no response from the bank received at ALL! I kindly request immediate attention to this issue and ask for assistance in resolving it at the earliest convenience. I believe there must be alternative methods to authenticate my identity and unblock my account promptly, allowing me to fulfill my financial obligations without further delay. This has blocked my XXXX dollars with BofA and my XXXX secured credit card. That is illegal to withhold money without any reason, even with all my attempts to unlock the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I wanted to proactively reach out and report one transaction as fraud My team and I reviewing transactions and notified a transaction from XX/XX/XXXX or XX/XX/XXXX The transaction was from XXXX for {$1200.00} I filed a police report for this transaction and just wanted to ensure it gets the right resolution and credit applied Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93710
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am filing a complaint against Bank of America regarding their failure to respond to my dispute. On XX/XX/2023, I mailed a dispute letter to Bank of America, addressing inaccuracies they are furnishing to the credit bureaus. Despite the statutory requirement for furnishers to investigate consumer disputes and provide a response within 30 days of receiving the dispute, I have not received any communication from Bank of America regarding the outcome of their investigation. As per the Fair Credit Reporting Act ( FCRA ), it is imperative for furnishers like Bank of America to promptly address consumer disputes to ensure the accuracy of credit information. However, Bank of America has failed to fulfill their obligations under the FCRA by not responding to my dispute within the stipulated timeframe. I am including a copy of my dispute letter sent to Bank of America to demonstrate the efforts I have made to resolve the errors on my credit report. Despite my attempts to engage with them, Bank of America has not provided any response or taken appropriate action.
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: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I requested {$1000.00} be sent to a payee in XX/XX/2023. Bank of America bill pay sent these funds to the payee, however, the payee did not receive the funds. The payee suspected someone stole the check out of their mailbox because it was cashed. The check was endorsed with a stamped serial number which is unlike every check endorsed by the payee for the past 7 years ( I have paid this payee monthly for about 7 years ). The payee filed a police report, suspecting they had been robbed because other checks were not accounted for and cashed by an unknown party. After talking with the local police, I called Bank of America to report the problem. They sent an affidavit to the payee to verify that they did not receive the funds. This is where the problem began. The payee sent the affidavit and a month later, Bank of America said they did not receive it. I contacted the payee again, and they sent another affidavit to Bank of America, and again, they said they did not receive it. By XX/XX/2023, I had spent numerous hours talking to Bank of America, and we tried the affidavit again, and finally Bank of America said they received it. I called in XXXX to check the status and they said now they can not give me the funds because they are waiting on another institution to return funds to them. Bank of America will not reimburse my account even though they have the evidence that the check was fraudulently cashed. I have now waited almost 7 months to be reimbursed from Bank of America, who, according to their website, assumes the liability for fraudulently cashed checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/2023 I called Bank Of America XXXX prepaid debit card customer service to inquire about a card I had never received after being approved for unemployment and was informed that someone had been using my account without my knowledge or authorization and about {$56000.00} roughly what stolen from my account and whoever was using my account, then filed claims to dispute the usage prior to XX/XX/XXXX. I have submitted both police reports and identity that report with the FTC. I have submitted my identification card, a photocopy, and the bank is still denying my claims saying I use the account or authorize somebody to use the account which is no idea somebody using the card or account they have not provided any ATM footage to show it with me. They say that the card I had told him I hadnt received was activated successfully with my credentials..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95403
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XXXX XXXX XXXX I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ) operating under the domain XXXX with the design, development, manufacturing, promoting, marketing, distributing, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of the client losses to gains. Money was transferred from my BOA account in the total amount of XXXX USD utilizing your services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2024-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Sunday XX/XX/2024 at approximately XXXX I pulled into the Bank of America drive thru atm located on XXXX XXXX in XXXX XXXX XXXX NJ and attempted to make an all cash deposit into the atm id : XXXX. I was able to deposit and process XXXX bills in {$20.00} for a total of {$1500.00}. When the atm prompted me what I wanted to do next, I selected deposit more funds. I attempted to deposit another XXXX bills in {$20.00} for another {$1500.00} deposit, now totaling {$3000.00} attempted cash deposit. Only this time, the atm started making funny noises as it tried to accept my bills, which the atm eventually took my money, but then froze. Didnt count, didnt process, didnt return funds. Nothing. I waited several minutes to see if anything would process or if the screen would change and nothing. Thats when I touched the keypad hitting enter and clear and instead at this point the atm ONLY processed my first deposit of {$1500.00} but not my second, ended my session and printed my receipt which recorded only {$1500.00} instead of the full {$3000.00}. I never got my XXXX deposit back at all. Thats when I attempted to call the help line advertised on the atm : XXXX and let the representative know the exact details above. They told me that because its Sunday and the bank is closed, there wasnt much that could be done today and that I would have to wait until Tuesday XX/XX/2024 to see the credit of {$1500.00} that got lost in the atm.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-18
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I received a XXXX debit card with {$100.00} on it as a compensation for alot of problems I had with XXXX. That card was issued to me during Covid and I could not use it within the 1 year they gave me until it expired. They will not reissue me a new card!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A