Date Received: 2023-12-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Bank of America - issue with closing and dispersement of funds from my late mother 's checking account which is named in a " trust '' but was created under her SS #. I am asking for a disbursement in the " Estate Of '' vs in the name of the trust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Bank of America wanted to changed the terms of my credit card that I have had for over 20 years. They say I have to have a bank of America checking account to qualify for the premium points. I pointed out that my Merril Lynch checking account literally says its a BANK of AMERICA Account. They claimed it doesn't count.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48220
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: Trouble during payment process
Subissue: Payment process
Consumer Complaint: i have compliant multiple times, it seems no one care, they just call to shut me up, un ethical and no response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76051
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: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed in document.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
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: Fraud or scam
Subissue:
Consumer Complaint: I received a call from an XXXX number. As I was on the phone with the supposedly representative, I was researching the number on XXXX, and it said it was a legit Bank of America number. The rep claimed that there were some fraudulent transactions in my account, but I couldn't see them online, next, they sent me a XXXX request from the same number that BofA sends me notifications in regards to XXXX, at this point I was very confused because my gut told me it wasn't a legit BofA call but all of their communication channels matched those of BofA. Finally, I hang up and called BofA back just to confirm that it was in fact a scam. How can they use BofA 's communication channels without BofA having any knowledge of it?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92111
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: Account opened without my consent or knowledge
Consumer Complaint: A checking account was opened with my information at Bank of America. I received an email letting me know that the account was available. I am unable to contact the bank at this time as they are closed. I will be contacting them tomorrow morning though.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79416
Submitted Via: Web
Date Sent: 2023-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I am a XXXX XXXX and I have been flying to many places in short of time and mostly of the times my bank is great on confirming my activities. Last week I had two activities using my card in XXXX XXXX XXXXXXXX when I wasnt there. I was in XXXX XXXX. Same day I noticed I called my bank to block my card. I opened a claim to dispute the two transactions made in XXXX since I was not there and also didnt recognize those purchases. The bank cancelled my card. Sent me a new one. Opened the claim and I am still waiting to have my money credited until today. Its been more than a week Claim ID XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: In XXXX I went to paperless statements. One reason being is banks are one of the mail contributors of our forests being killed. The second being my mail constantly being delivered to the wrong address as my mail delivery person is always changing. However, bank of america continues every month to send me notices of missed payments, promotions, etc when they have been told NUMEROUS times to stop sending me paper notices. I've called and been told twice. And very rudely I might add " you're on paperless billing is there anything else I can help you with? '' Clearly I know this and they are not following it. If bank of america doesn't honor the request, why bother asking customers for permission. I want bank of america to STOP SENDING ME ANY NOTICES IN THE MAIL. I check my email, I know my bill is due, I cut up my card and I have stopped using my card and will be paying my balance off and closing the account. So for the last time I want them to stop sending me mail for ANY REASON.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14220
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: This is Bank of America 's Debt. Back in XX/XX/2012 my identity was stolen and a charge for a tire purchase was made on my credit card issued by Bank of America. Within the next two months I reported the fraudulent charges to Bank of America, I was told that they would investigate it and advise me to close the credit card account. I closed the account in XX/XX/2012. The bill from this fraudulent purchase kept on coming. After kept on discussing the bill, it was sent to a collection agency. Since then it was sold to many different agencies. Currently, per my last information, it is owned by XXXX XXXX, they kept on calling me and perhaps now sold it to a different agency. I filed several disputes to no resolution. All I am asking them to show me the tire purchase with my signature, but they have not provided me that, instead they have provided me transaction of purchase online stolen identity. I want them to take it off my credit files from all three bureaus. It is negatively affecting my credit FICA score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73135
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX I came to a park to run, I left my wallet in my car and left the car for my run. When I came back I saw that the glass window in my car was broken and the wallet stolen. There were my id, debit card, credit card, some cash, and other stuff in the wallet. When I tried to realize what happened I received messages from my bank XXXX Bank of America ) that they detected unusual transactions on my cards. I didn't approve those transactions because they were fraud and logged in to my bank account to block my current cards and order new ones. It seems that I did everything what I could do to stop fraud. But one of the transactions on my credit card ( {$400.00} ) still left in process though I didn't approve it. During two seeks I made a few calls to the bank to make sure that they work on my case and return my money to the credit card. Finally, XX/XX/XXXX I received message in my bank account that my dispute was rejected. I called to the bank to know the reason and they told me because they connected to the merchant and the merchant ( it was XXXX ) confirmed that I received all the service on that amount. But I didn't receive anything, it was somebody who stole the card. I tried to explain that I didn't authorize that transaction and also asked the bank how it is possible that somebody could make a purchase on such serious sum of money using just card without additional verification ( like PIN ). They rejected my arguments and closed the case. My two major points : 1 ) I followed all steps bank requests in fraud situations ( I rejected not authorized payments and blocked my card ) ; 2 ) how bank allows to make purchases, especially on such quite big amount of money, just using a card without additional verification, it's absolutely unsafe. Please, help me with the situation and guide me what to do further. I hope I have some chances to get my money back because it's absolutely unfair. I am sure that what happened ( stolen cards ) is what can happen ; it's not something unusual unfortunately. I think bank should be prepaid for such situations and ensure that all unauthorized payments won't proceed without card holder awareness. The bank didn't apply any tools to keep my money safe. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19115
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A