Date Received: 2023-12-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/10 XXXX XXXX XXXX XXXX XXXXXXXX XXXX charged me {$10000.00}. Services were never rendered and I caught them predatory charging me and charging incorrectly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX XXXX XXXX XXXX XXXXXXXX To response CFPB complaint XXXX XXXX. XXXX, Bank of America stated that the account received the earned interest credit of {$16.00} on XX/XX/2023, based on the XXXX APY earned. My account only received {$0.00} on XXXX XXXX as per the attached statement. If BOA can even lie to CFPB, of course they can mislead and lie to their customers in the processing of open an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91030
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/21 XXXX XXXX XXXX XXXX XXXX CA charged me {$820.00}. Services were never rendered and its fraudulent charging.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was contact by Bank of America Thank you for contacting Regulatory Complaints of Bank of America. As your Resolution Specialist I welcome the opportunity to address your concerns. I am your point of contact until this matter is resolved. Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are Monday through Friday, XXXX XXXX. Please note that we will be providing our response to your concerns in writing via a secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at the number below and I or XXXX of my colleagues will return your call within XXXX hours. Thank you, XXXX XXXX Resolution Specialist Regulatory ComplainXXXX Bank of America XXXX XXXX XXXX XXXX - XXXX I have left serval messages email as well no answer or response my right been voilated and XXXX having hardship with bank of america allowed the situration linger for over a year. Not take proper action to fix the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: At XXXX I received a call from XXXX. At XXXX I received a second call from XXXX with someone claiming to be XXXX XXXX XXXX Bank of America XXXX XXXX. He stated that there were several fraudulent transfers to someone with XXXX. I was instructed to create an account so that we could dispute the transfers. I did so then was told that we needed to input the amounts of the transfers so that BOA could dispute the transfers. Because the phone number EXACTLY matched the phone number on the back of my cards I complied. I then redialed the number and talked to BOA XXXX department and they informed me that their phone number had been spoofed and that my money is now gone. There MUST be something in place to prevent these things from happening. If XXXX doesn't have anything then they are XXXX in the theft and fraud. I do not accept the excuse from XXXX that there is nothing that can be done. They are 100 % complicit because they choose to be. It also should not be up to customers to decide which phone numbers are legitimate or not. The number that came up is Bank of America 's number, the same number on the back of my cards. There is NO WAY for a customer to know if a number has been " spoofed '' or not. Bank of America can claim that they will " never '' ask for information, but they do. They ask for it all the time. They send emails to customers with links to click that ask you to input potentially sensitive information. This is a clear violation of Regulation XXXX of the Electronic Fund Transfer Act and XXXX needs to be held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85033
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: 2023-12-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On or about XX/XX/2022, i filied a dispute regarding atm unauthorized transactions, that I wasnt aware of, doing the the time of the transaction, i was quarantine cause I was expose to XXXX, so I wasnt aware of these transactions been done, till i log in my online Acct, and notice the Atm Transaction, that I never Consent of them nor did I did them, they were unauthorized atm transactions that i wasnt aware, I wasnt aware of my card been missing til i was gone use it, thats when i notice it was missing, my only mistake was that i wrote the pin in very small numbers behind my card, my card another item were missing, the thing is that im not sure were did i lose them, cause i was sick XXXX weeks til i notice atm transaction on my acct that i wasnt aware, i try explaining it to XXXX XXXX XXXXXXXX prepaid..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2023, when I went to make a deposit like I normally do, my balance was right around {$0.00} ( something like that ). No more than {$3.00}. So I deposited my check first. It was {$45.00} from XXXX XXXX XXXX, and then I deposited {$120.00} cash. My available balance became {$130.00} and the ATM receipt reflects {$45.00} would be available on Friday, XX/XX/2023. After my deposit, I went to XXXX for a drink, XXXX for dinner, and then I went to XXXX XXXX for an ice cream cone. Those were my only transactions for that night. The next day, around XXXX XXXX EST, I logged into my online account to verify that my check had cleared. Indeed it had. My new balance was {$150.00}. I logged off, and three hours later, I went to XXXX XXXX and my card did not work. It kept saying, " DECLINED. '' I paid cash for my breakfast. Then I called Bank of America 's Customer Service, and I was on hold for 30 minutes. NOBODY would answer my call on que. So, I went to XXXX, and my card ( see image ) was declined as well. At that point I decided to log into my online account, and I couldn't believe it reflected NEGATIVE {$93.00} dollars. I went CRAZY! I couldn't believe I was going through this problem AGAIN! So, I showed ujp to the bank located on XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX assisted me farely quickly ; but not all the way. She chose to say my XX/XX/2023 credit of {$250.00} from claim # XXXX was reversed because the Claims Department, XXXX, never received my fax. I went crazy! I told XXXX " that is not my account you're showing me on the screen. I checked my account this morning and everything was in order and accurate. '' I told her that when XXXX cleared, I had {$21.00} not {$180.00}. XXXX did not seem to listen to me. Instead, she asked me to call the Fraud or Claims Department XXXX. And then she said, " My appointment is here. I have to go. '' So, I called the Claims Department, XXXX. Their automated machine did not say my claim was reopened or still under investigation. It said, " Claim is complete. '' Finally, someone with the name XXXX answered my call and then asked me to refax the documents. After I did that, ( see images ), I called the Claims Department again to VERIFY they received the docs because this was the second printout that I had reflecting FAX was successful, and it wasn't. So, finally XXXX answered my call, after 40 plus minutes of HOLDING, and she confirmed the documents were there. With that said, I thought they would have reversed everything ASAP ; and they didn't. They have had me on a NEGATIVE balance for 48 hours now. A total injustice. Not to mention, the next day, the account was negative {$89.00} dollars ( somehting like ). It's the beginning of the month, I had bills to pay, and I couldn't because Bank of America continues to allow someone to cross accounts and have me open FAKE fraudulent accounts online. In conclusion, I want to see my account positive to {$150.00} again because that's the correct amount that I had on XX/XX/2023. While I was in XXXX, I kept seeing NEGATIVE accounts. Finally when I came back to the United States, I disputed my XXXX XXXX XXXX transaction because International Roaming never worked. The amount was placed back in a NEGATIVE fake account, that's really not negative, it's just a dummy account XXXX and XXXX know how to manipulate. So, I lost {$35.00} dollars. XXXX stole the money. Not the bank. These accounts are fake accounts tied to XXXX XXXX and XXXX. In conclusion, please make the bank give me my real Bank of America account reflecting {$150.00} with out my direct deposits ; and eventually with my real direct deposits.. We're up to {$64000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Bank Of American account ending in XXXX reference id : XXXX request IRP # : XXXX XXXX On XX/XX/2023, I received a {$70.00} compensation cheque because I could not access the cash that I should have, causing financial loss. They refuse to provide me with the additional pay I have sought. There might be something they're concealing, I think more research should be done. my contact number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: So I have a balance on my XXXX bofa debit card and I'm trying to get rhe balance they keep telling me to refer to my sponsor but my sponsor is telling me that they have sent them to unblock my account and there not doing it and there saying it's all bank of america they have no way to unlock it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2023-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: XXXX XXXX XXXX charged me {$30.00} for a thing of yogurt on XXXX. I want to contest the charge, because I know that I would not pay that much for a XXXX XXXX XXXX, even in an airport. I threw away the receipt. I recall that the yogurt was between {$10.00} and {$18.00} ( it was cheaper than sandwiches, and they were XXXX XXXX XXXX ). XXXXXXXX XXXX to their credit, allows you to look up a receipt online. All you need is the location, date and credit card transaction ID. If BoA were to provide me the transaction ID, for this charge, I would not have needed to involve them. From what I can tell, Bank of America does not give me any way to find out what the transaction IDs for any of my charges are anymore. This seems wrong. I looked online on both my phone and on my computer, and I called their phone support as well. Even the phone support person was unable to provide me the transaction ID for this credit card charge. This seems wrong. It seems like every charge a credit card company wants to hold me responsible for should be backed up with a transaction ID I can use to check back with the vendor with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01890
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A