Date Received: 2023-12-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a personal and business account at Bank of America. If I change my passwordk on my business account my personal account password does not work. If I attempt to use my ATM, Account Number, Social Security Number on either account I can not reset my password. If I can not log in with my password then I am not verified and therefore can not access my accounts online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I found a BofA VISA card on my XXXX XXXX : XXXX. I never ordered this card, never gave my consent to open this card. I called BofA Cust. Serv. The couldn trace this card. I tried to trace this card on the VISA website, to no avail. BofA Cust. Serv. never returned their response to my inquiry. The card is still lingers on my account. Please help XXXX Bank of America Credit Card BOFA VISA XXXX XXXX XXXX Bank of America Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA VISA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was told on XX/XX/XXXX my account would be closed by Bank of America I have now received a direct deposit from my employer and Bank of America refused to let me withdraw my funds. They can not provide me with an accurate date of when my funds will be released to me causing me to go into financial debt concerning my bills and rent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On the evening of XX/XX/23, from XXXX to XXXX XXXX, in the XXXX parking lot in XXXX, TN, I engaged in a transaction with an XXXX man. I attempted to purchase a product from him, but he, suspecting me to be a police officer, requested a {$300.00} deposit to be paid into their bank account. After making the payment, he compelled me to provide my passport and driver 's license information for verification to ensure safety. Subsequently, claiming that my information could not be found in their system, he demanded an additional {$2000.00} deposit. Under duress, I transferred the amount to their account. They then began to threaten me, citing possession of my personal information, and warned of harm to my family if I did not provide more money. In the end, I had to compromise and transferred {$1200.00} to their account. Immediately after the incident, I fled the parking lot and the next morning went directly to the police station to file a report. I also submitted an application to the anti-fraud department of the XXXXXXXX XXXX, detailing the incident. However, the bank did not actively assist in recovering my losses. Two weeks later, they informed me that my application materials were incomplete, and they were unable to recover my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01440
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a credit balance of {$1900.00} due to multiple payment posting. The money was taken out from my credit card on XX/XX/XXXX, after initiated on call on XX/XX/XXXX. But it has not been credited back to my bofa checking account as of XXXX. Something that i can do online and credited in minutes. Why is bofa trying to earn interest on my money and depositing on time or leaving in my card as credit balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95695
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Bank of America never provided a resolution or goodwill. My credit report is still affected as well as my Insurance Score. This adverse action has reduced my insurance score which is impacting a higher insurance rate. The Bank claims the issue has been resolved but refuses to contact the credit agencys to update the information. This bank reported to the credit agencys twice in error. The first time the late payment was disputed the bank falsified a record stating that I was late and I had to write letters and exhaustively contact this bank without any help. If this bank refuses to provide a reasonable goodwill I will be filing a lawsuit for violating the fair credit reporting act as well as negligence and failure to respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80123
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/ I attempted to withdrawal funds from my checking account and the ATM malfunctioned. It stated that an error occurred with the machine and the transaction could not be processed. It then stated my transaction was reversed and funds were in my account immediately. This did not happen. I have called Bank of America about 15 times since this has occurred and no one will assist me in returning my funds to me. In addition to this supposedly someone was assigned to my case but no one takes my phone calls or assists me in resolving this issue. This is a Bank of America atm and all they have to do is balance the atm and it will show there is an overage, or they can check the records and it will show the atm malfunctioned but Bank of America refuses to return my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XX/XX/, i purchased XXXXwo cashiers checks at my local Bank of America branch. I asked the teller about the process if end up not needing one of them. ( one was for XXXX, the other XXXX ) They told me i could deposit them back to my account without a problem. I ended up not needing the XXXX one and deposited it in the BofA mobile app using the deposit checks feature. It accepted the images and the endorsement on the check, but placed a 7 day hold on the full amount. I immediately called Bank of America and they gave the following explanation : the deposit checks feature in the BofA app should only be used to deposit personal checks. Nowhere does the app display this information during the check deposit process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94597
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I submitted a claim against spirit airlines for XXXX charges. Both were the same amount XXXX dollars. XXXX for a XXXX flight and XXXX for a XXXX flight, both were to XXXX and impacted by the XXXX and had to be canceled. XXXX refused to refund the flight only pushing a voucher which I did not want. I filed a claim with the bank for the charges. The bank then closed XXXX of the claims and tagged it as a duplicate. When I called to question. This and Inform them it was not a duplicate they gave me an attitude. They admitted they messed up and it was not a duplicate but said they would not give me the temporary credit back and would add notes. When I asked for a manager I was put on hold at XXXX. The agent came back at XXXX and said they are done adding notes. I asked where the manager was I had asked for and they claimed the managers left at XXXX pm. I than said they did that on purpose and it was not acceptable. The agent refused to get a manager and hung up on me. They then closed my account a XXXX hours later for no valid reason. I have been a customer for almost a XXXX for this bank. They locked my debit card and online banking and will not give me access to my money. They blocked my attempt to withdraw my funds saying they will mail me a check when they finalize the closure. This is ridiculous as my rent is due and now I can not pay it. When I asked for a letter from them stating they were closing my account because of a bank decesion, and that they were with holding my funds they would not provide XXXX and said I would get XXXX in the mail when it is finalized. They have illegally with held my money and caused me to get late fees and possible eviction notice if the rent is not paid shortly. They did nothing to resolve the issue and kept saying it was a bank decesion and they dont have to give me a reason. This is unnaceptable and they have now caused me XXXX damage as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/23 I opened a business checking account with Bank of America. I signed up with a {$200.00} promotion that required me to bring my account within 30 days. On XX/XX/23 I brought my account to {$5000.00}. I was required to keep my account at $ XXXX until day XXXX. My account is still above {$5000.00} and has never dipped below this amount. The promotion was for {$200.00} for meeting these terms. The terms stated : Bank of America is offering a {$200.00} bonus when you open a new business checking account and complete the following requirements : Make Qualifying Deposits of {$5000.00} or more in new money* within 30 days of opening the new business checking account Maintain an average balance of {$5000.00} for next 60 days ( day XXXX ) during the maintenance period This is the promotion I signed up for : https : XXXX I signed up online for this promotion. I did live chat and followed up. The chat representative said that there was not a promotion attached to my account despite applying online. She said she would be back in touch but I have nor heard back from her. I would appreciate the bonus being paid as per the terms.
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: 2023-12-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A