Date Received: 2023-11-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: The companies involve are below : 1. Bank of America ( I have my saving account ) 2. XXXX ( I dont have any association with this company. I dont know anything about this company or anyone associated with them. ) Please find more details below : I have a saving account with Bank Of America. I have not shared my account details with anyone. I have not authorised any trasanctions in my saving accounts for below amounts. I have noticed following suspicious trasanction in my Saving account : XX/XX/XXXX : Deposits of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$0.00} and {$0.00}, XX/XX/XXXX : Withdrawal of {$2400.00} These trasanction are completely unauthorised and without my knowledge. In transanction details the company XXXX and person XXXX XXXX is mentioned. I dont know about any of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
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 reported to Bank of America that XX/XX/XXXX {$200.00} from XXXXXXXX XXXX XXXX XXXX XXXXXXXX MA is unrecognized, The bank of America said That I was at the location using the bank of America credit card to make the transaction in person, so They forced me to pay. I told Bank of America That I was out of America on XX/XX/XXXX, and arriving to XXXX on XX/XX/XXXX, I was not able to be in XXXX MA USA to do the transaction in person, Then Bank of america sent me a letter and asked me whether I have used another bank credit card to pay this {$20000.00}, they said If I am nor able to prove that I paid {$200.00} from another card, I must pay this fraud charge for bank of America. At the same time, I called Bank of America, asked the Bank to usps me all the materials that investigated, they said " Yes ''. but I never received anything besides the letter above. I also mailed my airline ticket the place that Bank of America address given and showed the bank transaction that I was in XXXX airport to layover to XXXX. But when I asked Bank of America, they never let me know about my material received or not, can they provide me opinion, The becaome unreachable!? Bank of america always froze my account, forced me to go to local branch to report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
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: I have a Bank of America Preferred Rewards Credit Card. On XXXX I used the credit card to book a zip line tour at XXXX XXXX XXXX ( located in XXXX XXXX, XXXX XXXX XXXX ; the amount is {$450.00}. The company whose billed my credit cart has the name XXXX XXXX XXXX XXXX. The following day I received a news that my flight from XXXX to XXXX XXXX was cancelled due to weather issue. As a result, I immediately inform XXXX XXXX XXXX to cancel my tour and they agreed to refund 50 % of the amount, totalling {$220.00} ( please see the attachment for the cancellation agreement ). For some reason, on XX/XX/2023, they made XXXX refund transactions ; each in the amount of {$220.00} and I thought they went above and beyond to resolve my issue. However, on XX/XX/2023, they billed me again with XXXX transactions ; each in the amount of {$220.00}. As a result I'm at net loss of {$450.00}. Up till now and despite many attempts with both the mercant and my credit card company, I still haven't received the promised refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95762
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My father XXXX on XX/XX/XXXX of this year. It was unexpected. The sense of loss was staggering. After the initial shock, I began to be able to process the grief. Until @ BankofAmerica turned the grieving process into an absolute nightmare. This is the story of how the business model of some banks is to sit on money that is not theirs and to profit on peoples inability to find their way around the administrative labyrinth they have become whenever it suits them. My father lived in XXXX, where I was born and raised, but he had an XXXX life insurance. I received a check in dollars at my XXXX address in XXXX. It might have taken ages to clear at my XXXX XXXX, so I decided to make my way to the XXXX as soon as I could and open an account there in order to cash the check. Upon arriving in the XXXX, I opened an account at the XXXX XXXX branch of @ BankofAmerica in XXXX XXXX, CA, on XX/XX/2023, and cashed the check in the following minutes. I was told the check would take 6 days to clear. I found that long but ok, I said. I had business in XXXX. Off I went. A week later, I realized I could not access my online banking nor use the debit card I had been issued and so I showed up at the branch in XXXX XXXX to find out what was going on. I was told that the check appeared to have been altered ( this was a XXXX check from XXXX ) and that my account had been sent to closure. In the ensuing XXXX weeks, I spoke to XXXX different Bank of America representatives over the phone, repeating at length every detail of the story, from my fathers death, the fact that the check for his life insurance had been sent to my XXXX address, etc., etc. XXXX different times. In the process, I listened to an estimated XXXX hours of jazz while being bounced around from XXXX @ BankofAmerica to the next and XXXX supervisor to the next. I was told at least 15 different things by the XXXX representatives. I flew back to XXXX. Finally, after three weeks of incredibly frustrating, debilitating conversations, the fraud department of @ BankofAmerica apparently ascertained it had made a mistake. I say apparently because I was told out of the blue by a random representative that the funds appeared to have been credited to my now apparently reopened account. I did not hear a word of apologies or anything of the sort. I was not even told that my bank account had been reopened. I was just told by the XXXX person I spoke to that the funds appeared to be on the account. I could not believe my ears. This was XXXXy ( XX/XX/2023 ). At this stage, I decided I did not want to bank with Bank of America. I proceeded to access my account using the BofA online banking and to wire most of the funds to my French and British bank accounts. Heres where it becomes truly appalling and frankly, insane. Yesterday, when I tried accessing my online banking to check where these two wire transfers stood, I discovered I could no longer do so. I was asked to call in. It was XXXX, so I had to wait until today, Friday XX/XX/XXXX, to call and find out what was going on. When I did manage to speak to a representative, after waiting on the phone for over XXXX more hour, I was told that I could no longer be identified over the phone, that I appeared to be a high risk client and that I needed to show up at the California branch where I opened the account with XXXX valid pieces of ID to be able to talk to someone about why my online banking was no longer operative and what was going on with the wire transfers I have ordered. I just received an email informing me that the wires had been cancelled. Seriously, @ BankofAmerica, this is how you treat clients who are grieving a parent?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, {$2000.00}, WAS FRAUDULENTLY STOLEN FROM XXXX BANK OF AMERICA XXXX ACCOUNT. ON XX/XX/XXXX, I FILED A COMPLAINT # : XXXX. AS A SAVINGS ACCOUNT, THIS TRANSACTION INVOLVES AN UNAUTHORIZED TELLER WITHDRAWAL Of {$2000.00}. BUT MY COMPLAINT WAS ERRONEOUSLY PROCESSED THREW THE XXXX, AND CHECK XXXX DEPARTMENT, WHICH CAUSED ALL TYPES OF CONFLICTS WITH THE PROCESS, OF A SIMPLE DISCOVERY. DEALING WITH IDENTIFYING ME, AS NOT THE PERSON MAKING THE TRANSACTION ON SURVEILLANCE VIDEO, AT THE BANKING CENTER IT OCCURRED... AFTER MULTIPLE CONFLICTS TO PROVIDING BASIC AND RELEVANT INFORMATION, RECIEVING INFORMATION ABOUT MY CASE, AND BEING UNNECESSARILY FORCED, TO GO INTO A BANKING CENTER TO BE VERIFIED ( OVER XXXX TIMES ). ( PLEASE REVIEW AUDIO RECORDINGS ), BEING TREATED LIKE THE SUSPECT, WHEN CLEARLY I'M THE VICTIM... ON XX/XX/XXXX, I RECIEVED A EMAIL DENIAL OF MY CLAIM, BY BANK OF AMERICA, FROM THE XXXX DEPARTMENT. CLAIMING SOME TYPE OF FACTS/EVIDENCE REVEALED IT WAS AN AUTHORIZED TRANSACTION... WHICH IS IMPOSSIBLE... I AM THE ONLY AUTHORIZED PERSON TO MAKE WITH DRAWALS FROM MY ACCOUNT. MY ACCOUNT REQUIRES AN IN THE BANK TELLER TRANSACTION WITHDRAWL " ONLY ''. I'VE REQUESTED MULTIPLE TIMES TO KNOW THE SPECIFIC STEPS, FACTS, AND/OR EVIDENCE USED TO MAKE THERE CONCLUSIONS. BUT HAVE BEEN DENIED THE RIGHT TO REVIEW THE FACT, EVIDENCE, OR ANY THING USED IN THERE REVIEW, AND CONCLUSIONS... DURING THE INVESTIGATION I CLEARLY EXPLAINED I WAS OVER XXXX MILES FROM THE LOCATION OF THE BANKING CENTER AT, ( XXXX XXXX, FL. ), WHERE THIS TRANSACTION TOOK PLACE. ALSO I WAS EVEN IN A BANK OF AMERICA, BANKING XXXX IN XXXX XXXX XXXX, XXXX XXXX XXXX FL. MAKING AN AUTHORIZED TRANSACTION, ON THIS SAME DAY : XX/XX/XXXX. see attached account records. ( WHICH FARTHER PROVES, I COULD NOT HAVE BEEN THERE MAKING THE FRAUDULENT TRANSACTION ). DURING THE INVESTIGATION AND MULTIPLE CONTACTS WITH BANK OF AMERICA, I DISCOVERED, " XXXX XXXX '', WAS ERRONEOUSLY/FRAUDULENTLY, PUT ON MY ACCOUNT AS A AUTHORIZED MEMBER OF MY ACCOUNT. WITHOUT MY AUTHORIZATION. I EXPLAINED ON XX/XX/XXXX, WHEN I DISCOVERED THIS, THAT IT WAS AN ERROR ON THE BANK PART AND ACTIONS AND WENT THREW GREAT CONFLICT TO HAVE HER REMOVED EVEN BEING IN THE BANKING CENTER, I HAD TO DEMAND IT 5 TIMES, AND GET A SUPERVISORON THE PHONE TO ORDER THEM TO DO AS I REQUESTED, BECAUSE I NEVER GAVE HER SUCH AUTHORIZATION. XXXX XXXX, WAS GIVEN LIMITED POWER OF AUTHORITY, ON XX/XX/XXXX, FOR 15 DAY, WITH A WITHDRAWAL LIMIT, OF XXXX. BOTH LIMITED AUTHORITY FACTOR, WAS EXPIRED ON XXXX. XX/XX/XXXX... WAY BEFORE THE TIME OF THIS AND HER FRAUDULENT ACTIONS IN ANOTHER CLAIM FLIED ( # XXXX, INVOVING A CASH YEARS CHECK OF, {$1900.00} ). AT THIS DISCOVERY ON XX/XX/XXXX, I ASKED BANK OF AMERICA XXXX, WAS SHE RESPONSABLE FOR THIS {$2000.00} TELLER WITHDRAWL, AS WELL, AND I WAS TOLD, THAT INFORMATION COULDN'T BE GIVEN BECAUSE OF THE ON GOING INVESTIGATION. " THERE WAS NO RECORD OF THE LIMITED POWER OF ATTORNEY DOCUMENT, BETWEEN MYSELF AND XXXX XXXX '', PLACED ON BANK OF AMERICA 'S FILE. I HAD TO RETRIEVE IT FROM ANOTHER REAL ATTORNEY, ( INVOVLED AT THE TIME ), TO GIVE IT TO BANK OF AMERICA, IN AN ATTEMPT TO MAKE THINGS CLEAR, WHEN THEY CLEARLY FAILED TO PROPERLY STORE THE DOCUMENT ON FILE THEM SELVES. BECAUSE THEY KELP REFERRING TO ANOTHER LIMITED POWER OF ATTORNEY, GIVEN TO XXXX XXXX. WHEN THE LIMITED POWER OF ATTORNEY WAS BROUGHT IN CONVERSATION. AT THE CONCLUSION OF THE INVESTIGATION, AND DENIAL, I'VE REQUEST A SPECIFIC UNDERSTANDING OF WHAT FACTS, REASONS AND/OR EVIDENCE WAS USED IN THE INVESTIGATION AND THERE CONCLUSION... BUT OVER AND OVER I'VE BEEN GIVEN THE RUN AROUND, AND NO RESULTS TO MY REQUEST. ON XXXX XXXX, XXXX, I HAD TO CALLED AND WAS TOLD A POLICE REPORT WAS REQUESTED, TO GET MORE INFORMATION. WHICH I TRIED TO FILE ON XXXX XXXX, BUT WAS TOLD BY, XXXX XXXX XXXX NOT TO FILE. NOW A POLICE REPORT HAS BEEN FILE, UPON, THERE RECENT REQUEST, CASE # : XXXX XXXX XXXX BY, XXXX XXXX XXXX XXXX, POLICE DEPARTMENT... BUT STILL NO RELIEF HAVE BEEN PROVIDED TO MY CLAIM. THIS CLAIM IS A BASIC XXXX OF XXXX A REVIEW OF THE PERSON IN THE SURVEILLANCE VIDEOS AND MY PERSONAL BEING, FLORIDA, ID. ( see attached id and facal video ), WILL CLEARLY REVEAL, I DID NOT MAKE THIS TRANSACTION... A COPY OF THE LIMITED POWER OF AUTHORITY AGREEMENT BETWEEN MYSELF AND XXXX XXXX, ( WHICH I PROVIDED BY EMAIL, FROM ANOTHER ATTORNEY ), see attached document. CLEARLY PROVES ANY TRANSACTION WITH HER, WAS UNAUTHORIZED, BY ME. HER PREVIOUS AUTHORIZION WAS EXPIRED AND SHE WAS NEVER GIVEN AUTHORIZION, TO BE PUT ON MY ACCOUNT AS A STANDING ACCOUNT HOLDER... ( IF SHE IS THE CAUSE OF THIS TRANSACTION ). FARTHER UNDERSTANDING OF MY DISTANT LOCATION, ( XXXX MILES AWAY ), WAS GIVES ALSO, AS WELL AS IDENTITY OF OTHER AUTHORITY/AGENCIES THAT CAN VERIFY MY LOCATION IN, XXXX XXXX XXXX FL XXXX THE ENTIRE DAY OF XXXX XXXX. THERE'S NO WAY A PROPER INVESTIGATION WAS DONE, TO CONCLUDE, I AUTHORIZED OR MADE THIS TRANSACTION. THIS INVESTIGATION WAS DONE AS IF I WAS THE PRIME SUSPECT, AND NOT THE VICTIM, RESULTING IN ME BEING VERY DISRESPECTED, AND ROBBED OF MY MONEY WITH THE BANKS HELP, WHICH SEEMS TO BE APART OF THIS SCAM, AND/OR ATTEMPTING TO COVER UP THERE STAFF/CO-WORKERS WRONG DOINGS. PLEASE SEE THE ATTACTED FILES/DOCUMENTS OF : MY FLORIDA ID XXXX ; XXXX VIDEO ; LIMITED POWER OF ATTORNEY DOCUMENT ( BETWEEN MY SELF AND XXXX XXXX XXXX XXXX AND ACCOUNT STATEMENT SHEET ( XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33409
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: From XXXX of XXXX I never received my card i never accessed the prepaid card it or any of the benefits deposited to the account. I didn't activate or give permission for anypersons to activate or to authorize to use this prepaid card ever all transactions made with the card concerning this account is FRAUDULENT AND NOT MADE BY ME OR AUTHORIZED BY ME AT ANYTIME
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92405
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ON OR ABOUT XX/XX/, BANK OF AMERICA REQUESTED A HARD INQUIRY AGAINST MY CREDIT SCORE. HOWEVER, I HAD NOT REQUESTED ANY ADDITIONAL CREDIT FROM THEM NOR HAD I MADE ANY REQUEST AT ALL. I HAVE CONTACTED THEM TO TRY TO RESOLVE THIS BUT THEY DO NOT KNOW WHY THE INQUIRY WAS PERFORMED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Monday XX/XX/23 I went to a Bank of America ATM in XXXXXXXX XXXX and attempted to withdrawal {$300.00}. The atm started processing and made a weird noise like it was stuck. The atm screen then clearly stated that an unexpected error occurred and the transaction could it be processed. It stated the transaction was reversed and the funds are immediately back in my account. I then went to their other ATM and attempted to withdrawal the {$300.00} and the atm stated I didnt have enough funds. So I called the same day to file a claim with BofA, they stated they would file the claim and funds would be credited back. I have called everyday since and it is not XX/XX/23 ( Friday ) and my funds are still not in my account. I called BofA again this morning and I was told it will be 10 business days til I get my funds back. First of all I understand if this is the claims process, but the ATM clearly stated that my transaction was reversed and my funds were credited back immediately. So it doesnt abide by the normal claim timeframe. I even told them I needed these funds to purchase XXXX XXXX dinner items for my family, they assured me this was escalated and would be taken care of and it hasnt. I also worked for BofA for XXXX years and know that the ATM can be balanced to prove its over, they can pull the camera footage to show the funds were not given, they can pull the ATM records to show the malfunction and the message that was provided on the screen. I am going to seek legal counsel and pursue it because the message the ATM gave was false. And they are refusing to return 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: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit on XX/XX/23 at XXXX XXXX in the amount of XXXX. There were XXXX tellers and XXXX person behind the teller line watching. I was at the teller who had a mask on. She asked if I wanted to cash the check. They told me before that I couldn't do that. I said I'll make a deposit. She would not tell me when it would be available. My receipt shows the deposit amount correctly it shows credit pending posts on XX/XX/23. Available now is XXXX available balance is XXXX. Now it shows online my money is not available until XX/XX/23. I asked the teller with the mask on if the reason for the mask was a personal decision. She said yes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74112
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding what I believe to be an unjust late payment fee and the inadequate customer service I experienced. The details of my complaint are outlined below : 1. Statement Balance and Refund : The statement balance of my Bank of America credit card for XXXX was {$390.00}. Subsequently, I returned products purchased during the month of XXXX, resulting in a total refund of {$510.00}. As the total refund exceeded the statement balance, I did not make any additional payment to the credit card for that month. 2. Bank of America 's Awareness of Refund : Despite being aware of the substantial refund posted to my account, Bank of America continued to allow me to use the credit card for future purchases. Typically, credit card companies decline further charges if the minimum payment is not made on time. 3. Unjust Late Payment Fee : Bank of America charged a {$25.00} late payment fee on my credit card, even though the total refund exceeded the previous month 's statement balance. This fee is unjust and inconsistent with the industry 's standard practice. 4. Inadequate Customer Service : When I attempted to address the late payment fee by calling Bank of America, the automatic phone system did not provide an option to discuss late fees and would not connect me to a representative. Instead, the system abruptly hung up on me, leaving me frustrated and without resolution. 5. Resolution Attempt through Online Chat : I had to resort to using the online Chat function to contact a Bank of America customer representative named XXXX. While XXXX promptly refunded the late payment fee, Bank of America continues to display a " past due status '' on my account, despite the statement clearly indicating that " payment and other credit '' exceeded the total balance of the previous statement. 6. Payment Not Posted Despite Deduction : Following the " past due status '' on my account, I made a {$50.00} payment as requested. However, despite the deduction of {$50.00} from my bank account, Bank of America has not posted the payment on my credit card account.
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: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A