Date Received: 2023-11-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: they withdrew XXXX from my savings account for " Legal Order, XXXX XXXX '' without any explanation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44113
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Initially had to call the bank 2 times to be able to file a claim on charges that I did not authorize then finally spoke to a supervisor who was able to process the claim. The 2 reps prior to made the process very difficult and did not seem to know what they were doing or were distracted during the call. I had been charged for subscription services thru XXXX for XXXX XXXX which was actually included in my XXXX Bundled account. I discovered these charges in the beginning of XXXX & tried to resolve the issue with XXXX and XXXX but they advised to call the bank to reverse the charges. That's were the difficulties started. The XXXX bundle began as of XX/XX/XXXX but the claims started as of XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: In XXXX XXXX, I purchased tickets to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that was to be held in XXXX over XXXX XXXX Weekend in XXXX using my Bank of America XXXX BoA ) credit card for {$280.00}. When my statement including this purchase came in the next month ( still in XXXX ), I paid the bill in full and DID NOT owe BoA ANYTHING for this purchase. Come XXXX XXXX, due to multiple egregious failures on the event planners ' part, the 3-Day music festival was shut down by the City XXXX XXXX for one full day out of severe safety concerns, started hours late the second day after the event barely met the City 's safety requirements for attendees, and I was unable to get in the third day as a result of the vendor overselling tickets to the point that doors had to be shutdown extremely early by the City out of safety concerns, causing pandemonium to erupt. Due to these issues and issues regarding a partial refund on the purchase that the vendor had yet to fix ( i.e. I was overcharged for the initial ticket purchase ), I decided to request a chargeback through BoA. The initial claim for a chargeback was submitted to BoA on XX/XX/XXXX ( the last day of the music festival, when we ended up on the news for how poorly the festival had gone and I realized how much I had been scammed ) for the ticket purchase made in XX/XX/XXXX. However, I believe BoA has this date listed as XXXX XXXX, XXXX given that I called again on this date to provide additional updates to my claim. Regardless, when I submitted my claim, the agent on the phone explained that I was not the first person to call BoA requesting a chargeback that day regarding this very event. Based on her instructions, I provided all email evidence from the vendor that was sent to me, all communications sent to attendees via social media, proof of purchase and printed news articles showing the extent to which the event had been such a disaster, resulting in attendees like me being endangered and not even receiving all the three days of music festival that we had paid for. Following my initial claim, BoA sent me a letter on XXXX XXXX, XXXX, stating that a conditional credit had been added to my credit card account for the full amount of the purchase while my claim was investigated ( {$280.00} ). However, I can not stress this enough, that this was NOT THE CASE. A credit was NEVER granted to my credit card account. Some time after I received this letter and not seeing a credit, I called BoA again to ask for an update. The agent on the line agreed that a credit was NOT granted, despite what the letter said, and stated that he would start a new claim to put this on top of the to-do list for the Claims Dept. at BoA so that they could actually issue the credit they had stated that they had already granted to my account. This was on XXXX XXXX, XXXX. However, despite that agent 's attempts, I never got a response from the Claims Dept. regarding this missing credit nor was a credit ever granted. Come XXXX XXXX, XXXX, BoA sends me another letter -- this time denying my claim AND letting me know that the credit they had " granted me '' would be taken back DESPITE the fact that no credit was ever granted. And now, since XXXX XXXX, XXXX, I have had a " balance adjustment '' charge on my credit card for {$280.00} that is BoA supposedly charging me back for a credit that they NEVER gave me for a purchase that I had ALREADY paid BoA for back in XXXX. Starting from XXXX XXXX until last week, I have had multiple calls with BoA, each an hour or two long, trying to get someone to help me have this {$280.00} charge removed from my credit card statement as it's one thing for BoA to deny my claim but another thing entirely for them to demand I pay TWICE for a purchase I already paid them for in XXXX. Every time I call, I tell my story, the agent on the line investigates my account, AGREES that they can see on their end that this is a clear error from BoA and transfers me to a department that will then transfer me to another department because it seems that no one knows how to handle my case and I am not allowed to speak to the Claims Dept. directly despite my requests. It has gotten to the point that I get bounced to 3-4 agents before the call drops or I am given another BoA number to call and I have to call again until I eventually demand a supervisor ... only for the supervisor to tell me that they sympathize with me, AGREE that there is a clear error on BoA based on their own records because a credit WAS NEVER granted, and then apologize because they can't fix my issue as its out of their purview. The last time I called BoA was on the morning Wed, XXXX XXXX. That time, after almost an hour of being bounced around from agent to agent, I was finally put through to a specialist who supposedly could remove the {$280.00} charge from my statement. He took some time to dig through my account and to read through notes from previous agents regarding my case just to agree that this charge was a clear error as a credit from BoA was never granted. He said he filled out the necessary paperwork and that I should see the charge removed in 2 business days but that I should call back in 4 business days if not. It has now been 4 business days and the charge is STILL on my statement. At this point, I can not bear another 1 hour or more phone call with multiple BoA agents who will sympathize with me but will never speak to the Claims Dept. ( the ones who may actually be able to fix my problem ). I am filing this complaint with the CFPB as a last ditch attempt to get BoA to do the right thing and remove the erroneous charge they placed on my latest credit card statement. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11105
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Over the past couple of months Bank of America has let my account be hacked 4 times. Now they are holding {$400.00} of mine that was stolen from a fraudulent transaction and now I cant pay my bills until they give it back. At first they told me Id be refunded in 24-48 hours and its well past that time frame. Now say they will not give it back until XX/XX/XXXX. This is putting me in a tough position and my phone is going to be shut off unless I get the money. Why do you let these people run over the little people like this? {$400.00} is nothing to them but its causing many problems for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I reported my XXXX lost on an XXXX XXXX flight. I was traveling XXXX. Was on a flight from XXXX to XXXX then on to XXXX XXXX. I took the code off as I was watching a movie on the flight. I put my XXXX down on a seat to help my mom who has mobility issues get off the plane and rush to our next flight. I realized I left my XXXX the next day after unpacking and it was not there. My XXXX and my phone are connected. I reported my XXXX lost through XXXX XXXX. Will include documentation. So every text message and call goes through both. Someone had access to my XXXX and all my information. They XXXX someone {$1600.00}. I contacted Bank of America and told them what happened. Sent me to there XXXX XXXX and put in a fraud complaint. Never got any email from them other then tips against fraud and scams. I contacted them on the XXXX about status and was told that because a code was sent that I would not be getting my money back. Once I got back home ( tried to have a good time in Hawaii. Thankfully most things were prepaid. ), I sent Bank of America proof that I put the report in the same day the fraud was found out. Still not giving me my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29456
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a check for {$50.00} drawn on a Bank of America account. I went into the XXXX XXXX XXXXXXXX of Bank of America and was charged an {$8.00} fee. Under the UCC Section 3-109 checks presented by the bearer are payable on demand. No fee is provided for in the UCC. Bank of America was in effect wrongfully dishonoring the check of its customer. Under California law, California Business & Professions Code 17200, the fee is an unfair and deceptive trade practice. Under the Federal Trade Commission 's new regulations, this is an illegal junk fee. Further, this fee exacerbates inequality in America, is unethical, immoral and illegal. In addition, this is an antitrust law violation because it attempts to monopolize the banking industry to get customers to open an account through pressure tactics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Bank of America has allowed my personal information to open multiple accounts with no constant from me. The first issue was there was an attempt for a credit card to be opened and was denied due to my credit score with in the same time a debit account was opened and money was funded into the account with fraudulent money that was flagged in there system. I filed a police report at my local PD then received documentation that the account was not mine and was fraudulent account. Then on XX/XX/2023 a document was sent to me stating another account was open and I have not opened any account with Bank of America or any affiliated companies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Banks can not use offset for credit card payments.On XXXX XXXX Bank XXXX Americaunlawfully andillegallyseized {$1900.00} out of my checking account ending XXXX leaving me only {$100.00} on the account to " offsetpayment XXXX '' .Bank XXXXf America XXXX We may take or setoff funds in any or all of your accounts with us and with our affiliates for direct, indirect and acquired obligations that you owe us, regardless of the source of funds in an account. " A bank can not typically take money from your checking account to pay off your credit card debt, period! Bank of America is in violationofTheFair Credit Billing Act ( FCBA ), which protects consumers from unfair credit card billing practices, rules that banks can not typically seize funds deposited into a consumers bank account to pay off their credit card. According to the XXXX, a card issuer may not take any action to offset a cardholders indebtedness arising in connection with a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer.I did not sign up for an automatic bill payment arrangement for the credit card or Bank of America DID NOT have permission to seize {$1900.00} from my checking.Bank of Americaillegally collected payment for alleged credit card debts and took payments on a debt that I do not owe, EXTORTION and theft bydeception.Defamation of character and Slander of my name. XXXX and XXXX XXXX. I'm going to file a lawsuit if the situation is not resolved by XX/XX/XXXX, XXXX Idispute a credit card paymentand askBank of Americanot to take the payment from my money deposited, Bank of Americahave to heed my request. I have disputed thealleged debt andBank of Americarefusedto reimburse my money.Be advised that I hereby dispute the validity of thealleged credit card debts entirely. Your monthly statements andcouponsare double dipping anda crime. There can be no payment of XXXX XXXX rescind all payments toBank of America credit card payments Ending XXXX and the other XXXX creditcards.Federal law limits how banks can use funds in a consumer 's deposit account to pay a delinquent debt with the same bank. In many cases, a bank can withdraw funds held in a consumer 's checking, savings, or investment account, to pay any delinquency which has accrued on secured debts owed by the same creditor. A banks ability to take such action is referred to as the " right of offset. " Federal law restricts the application of the right of offset, preventing federally chartered banks ( such as Bank of America, XXXX XXXX, etc. ) from using the right of offset to collect delinquent revolving debts, such as credit cards.Bank of XXXX my security instrument, its rights of recourse are dischargedunder U.C.C. XXXX, XXXX and XXXX, and XXXX of XXXX XXXX XXXX money not XXXX XXXX way around.Bank of AmericaFailure of consideration, Misrepresentation of a material fact, unjust enrichment, no money lent, noconsiderationwas given for theclaimedalleged credit card debts.Bank of XXXX of the material facts with XXXX XXXX of contract! Based on the aforementioned codes, I hereby affirm that the alleged debt associated with alleged credit card Account XXXX, has been fully XXXX as of the date of the security agreement.HJR XXXX : On XX/XX/1933, House XXXX XXXX ( XXXX ) XXXX was enacted by the United States XXXX. It declared XXXX of Americais legally eligible to discharge debts by presenting a statement and request for discharge to the appropriate party. It states that a XXXX debt shall be considered as if it were paid in full. All prior XXXX of Attorney, all other prior presumed or granted Executorships, XXXX and XXXX relationships are terminated! Any refutation of the aforementioned and/or the following issues must be done so, o and for the public record, in writing, by way of a sworn Affidavit, signed in their full Christian/Family name XXXX XXXX XXXX the XXXX, including but not limited to perjury. XXXX XXXX XXXX, XXXX XXXX request that alleged XXXX of Americapromptly update their records and credit reporting agencies to reflect PAID IN XXXX XXXX, XXXX would appreciate forBank of XXXX reimburse me back ALL my money for ALL the credit cards with Bank of XXXX I will take XXXX XXXX XXXX legal fees of {>= $1,000,000} ( XXXX XXXX Dollars ). A national bank has no power to lend its credit to any person or corporation... XXXX v. Needles Nat. Bank, XXXX F XXXX XXXX XXXX XXXX, XXXX denied in XXXX S.Ct XXXX, XXXX XXXX XXXX, XXXX LED XXXX vitiates the most solemn contracts, documents and even judgments [ XXXX vs. XXXX, XXXX XXXX XXXX, at XXXX ] .It would be unjust to allow XXXX who made false representations to retain the fruits of a bargain induced by such representations. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX or misleading. XXXX XXXX XXXX, XXXX, Article XXXX, Section XXXX. No state shall ... makeanything but gold and silver coin a tender in payment of debts... XXXX XXXX liability. Civil liability for willful noncompliance.15 U.S.C . 1681o - U.S. Code -Unannotated XXXX XXXX. XXXX and XXXX XXXX. Civil liability for negligentnoncompliance. 15 U.S. Code 1640 - Civil liability with respect to any failure to make disclosures. 15 U.S.C. 1611 - Criminal liability for willful and knowing violation. My federal court XXXX lawsuit against XXXX Funding for FDCPA violations XXXX XXXX XXXX XXXX XXXX XXXX case # XXXX prompt attention is appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank of America has an option in checking for " Spending and Budgeting ''. The categories are " Spending '', " Income '', " Transactions '' and " Cash Flow ''. However not all transactions are included. For example when I pay my Bank of America credit card, it comes through as " Bank of America : Finance : Credit Card payment '', but it does not show in " Cash Flow '' unless I change it to " Finance : Credit Card payment ''. That is just one example. They have preset categories and ignore anything else. This is not a " Budgeting '' report if it does not include all transactions. At the very least any transactions that do not fall into one of their categories it should go into " Other ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with customer service
Subissue:
Consumer Complaint: I deposited a check at Bank of America on the XXXX of XXXX for XXXX at the XXXX, Texas location. I received a receipt that states XXXX available on XX/XX/23 at XXXX & XXXX available on XX/XX/23 at XXXX. The representative at the bank also told me this information. Well, it's the holidays and none of my money is available they have a hold on it. I have spoke with several customer service representatives and supervisors regarding this matter where XXXX reps stated something different from what the supervisor advised me. So, it's like who do you believe or trust when you are continuously getting conflicting information. I was told XXXX available on XX/XX/23 that's what I'm expecting. Nobody seems to know anything or can tell me the correct information, but misinforming customers is not okay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A