Date Received: 2023-11-30
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: Summary of Complaint : I am filing this complaint regarding Bank of America 's handling of a chargeback dispute ( Claim # XXXX ) for a transaction made on XX/XX/XXXX with XXXX XXXX XXXXXXXX for {$800.00}. I purchased an electric scooter, which was marketed as a sale of an existing product, not as a typical crowdfunding pledge. Despite this, the bank denied my chargeback request on the grounds that XXXX operates as a crowdfunding platform. Key Points of Concern : Misrepresentation of Transaction : XXXX XXXX XXXX promised 100 % delivery for every purchased perk and ensured regular updates on delivery schedules, clearly implying a sale rather than a donation or speculative crowdfunding pledge. Non-Delivery and Lack of Communication : Since the purchase, I have neither received the product nor any tracking information. My attempts to contact the merchant have been met with no response. Product 's Retail Availability : The scooter was already available in retail stores at the time of purchase, which further validates my expectation of this being a regular purchase. Bank 's Decision on Chargeback : Bank of America denied my chargeback request on XX/XX/2023, categorizing the transaction as a donation under crowdfunding, which disregards the nature of the transaction as presented by XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98122
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX, several accounts/credit cards were opened using my information including XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, Bank of America, XXXX XXXX , To XXXX XXXX, and XXXX . I immediately disputed all accounts, which were all removed from my credit and I thought the issue was resolved. At that time I placed a fraud alert and activated protection. Fast forward to XX/XX/XXXX, I was applying for an auto loan and realized I had a charge off from Bank of America which I thought had been resolved in XXXX. I immediately went to the police and filed a report and have been going back and forth with XXXX and Bank of America to resolve this issue. I went to a Bank of America branch on XX/XX/XXXX and had them fax over my police report and all of my supporting documents that they requested and my dispute was still denied based on them claiming that they did not receive my supporting documents and also stated there was not sufficient evidence to support my claim. I have provided a police report, along with pictures of all the accounts that were opened at the exact same time of the Bank of America credit card, and pictures of all the disputes from the other accounts that I filed back in XXXX. Please may I have assistance with getting this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Received an email saying I signed up for services and tried to get me to open a service agreement. Email received today XX/XX/XXXX at approx XXXXXXXX XXXX. I did not open the agreement because it seemed like scam and I knew I did not do it. I called the number and it sounded to me like a person answered Bank of America from a home line. He could not answer my questions about time and date and other information I was asking for about this being fraud and wanted me to open a service agreement. I ended up hanging up and decided to file this complaint because I'm unsure of who I am speaking with at supposed Bank. XXXX number was listed on prior scam, phishing warnings XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for auto loan application on XX/XX/2023. I spoke to XXXX and XXXX of Bank of America. I made it well aware that the were in violation of my rights. I was not denied credit. I provided the proper information. I was not given the funds for the auto loan. XXXX the XXXX said XXXX was the reason for the denial. I never did business with XXXX for them to be the reason the denial baffles me. I told XXXX I will be reaching out to the CFPB. I still want the funds for my auto loan. I told XXXX the call is recorded. I was confused because she told me that I can not receive the funds only the dealership. So I want to know why was I able to apply for the loan online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2023, I reached out to the credit department but nobody has reached out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: When I Opened an account the teller open the wrong type of account I been getting charged for the past XXXX years and it should have been no charged. Been trying to get help from Bank of America and they never had help they keep saying they will help and get to the bottom of that but never did. Until now they are saying the teller made a mistake a opened the wrong account but they can not refund the fees for the past XXXX years they been charging and they can not explain why no one called me and helped and telling what was going on. No one ever helped me, no one called me back and they never fix their mistake and that they opened a wrong account not the one I asked for and now they just want to wash off their hands and no be responsible for anything. They opened a wrong account and been charging fees for over XXXX years and it should have been free and no one tried to help me.
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: 2023-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: An acct was opened without my consent debit and a credit car application
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Got an alert on my Bank of America app ( XX/XX/2023 ) saying that a credit card ( Bank of America Customized Cash Rewards ) that I had recently opened and started using was locked due to suspicious transactions. I had made two transactions two weeks previously ( XX/XX/2023 and XX/XX/2023 ) in order to get the rewards bonus. Called the bank on the same day via the number that was listed on the app and they initially said that they couldn't authenticate me nor see my account details. The option was to either call them from the app but through the help/support feature ( XXXX ) from their app or by going into their local branch with two pieces of ID. I then tried the easier option which was to contact support via their XXXX feature. The rep was able to see my details then but said that he still couldn't do anything without me going into a local branch and get verified there. However, Bank of America doesn't have any local branches in Hawaii. In the meantime, the card is locked. It doesn't appear that there were other suspicious transactions other than the ones that I had made myself. I'm hoping that I can at least pay off the balance with the card being locked and would hate to be penalized on my credit score if I'm not able to pay the balance on a locked card. I would also like to redeem my reward bonus since I've met their XXXX XXXX XXXXXXXX but it's not clear that I can do this if the card is locked. This isn't really a viable option for Bank of America customers living in Hawaii to get verified if they encounter problems like this with their cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Every representative that they have been telling me to contact never answers my call or email regarding my previous complaint. Feels like deceptive practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98445
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I already paid off all the amount I looking for refund of late fee XXXX XXXX because I try to pay before but the bank of America not listen to my instructions to collect the amount. they own me XXXXXXXX XXXX as reward but decline to give it to me back because they close my account. the main problem there are two methods bank of America can collect from my XXXX XXXX account one call XXXX regulars debit to my account they did this before and collect the money other electronic check not go through. I explain this many time to customer services bank of America every thing recorded but they not listen to me I want investigation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A