Date Received: 2023-11-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I've been consistently denied every time I attempt to open various types of accounts, including brokerage, checking, and savings accounts. I'm frustrated by the rejections and eager to understand the reasons behind them. It's becoming increasingly bothersome, and I'm actively working to resolve the underlying issues causing these denials.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 at Bank of America, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX authorized a deposit of my security instrument. Which was duly stamped, scanned and imprinted XXXX banking details to be Credited to account. Was then denied for deposit after it was accepted by the bank after being authorized for deposit by XXXX XXXX XXXX. Then went to advise that the bank can not deposit my instrument after duly accepting it for deposit into the trust account we have with Bank of America. Which is direct violation of Federal Banking Laws pertaining to deposits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02895
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a payroll check on the evening of XX/XX/XXXX ( Friday ). Bank of America has typically been open on Saturday 's, and I figured I could stop by the bank to deposit the check and request {$100.00} back so that I could purchase groceries. Turns out many of the Bank of America branches in my area are closed on XXXX, unbeknownst to me. As a result, I deposited a {$3000.00} check into the ATM. Traditionally, I am able to take cash from the deposit, but since the branches are closed I wasn't given the opportunity to ask. I understand that moving into an automated and AI driven customer service engine helps save on payroll expenses, but it leaves circumstances like mine in a " tough luck '' situation, which I believe is unacceptable, especially for a financial institution that was given BILLIONS of tax payer dollars a decade ago. I would love to see a change in how banks handle check deposits, especially when it relates to special circumstances like mine. There will undoubtedly be more people in my situation as we move into XXXX, and it would be helpful to know that every once in a while a financial institution thinks about its customers rather than its profits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89129
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/2023 at approximately XXXX, I was discriminated against by Bank of America. They refused to let me get my money off my EDD card which is a Bank of America card allegedly because my middle initial wasnt on my bank card. I do not get to choose whether my middle initial comes on the card, the card is automatically issued by CA EDD. My ID matches the name and address on my card, and I know my PIN. I spoke with the manager who also denied me access to my money allegedly because my initial wasnt on my card and stated that was Bank of America policy, even though I had no issue 2 weeks ago with a different bank teller doing the same transaction. I left and went to the next local branch and completed my transaction without any issue. I asked if there a policy that states that I have to have my middle initial on my card to which they stated no such policy exists and gave me my money. There was no reason for the initial transaction to be denied and asking me to leave other than discriminatory practices at the first banking location and the first bank teller involved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90804
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I have a credit card with Bank of America. I made an on-line payment to Bank of America for the XXXX payment in the amount of {$55.00}. This was made on XX/XX/2023, which they did deduct from my bank account. They then deducted a second, unauthorized payment of {$55.00} on XX/XX/2023. I had no idea they were going to deduct this second payment, and this was not authorized by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
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 purchased and afterward returned two XXXX to XXXX XXXX. I've paid for this merchandise with a Bank of America Credit Card. XXXX XXXX confirmed the receipt of my merchandise return and promised a refund shortly, but that never happened. After trying to address issue with XXXX XXXX without success, I've opened a claim with BofA. I've submitted all the information to BofA explaining why the dispute should be resolved in my favor, but BofA continues to deny it without really providing any proper explanation. Below is a copy of my last contact with them : CLAIM NUMBER : XXXX Hereby, I, MY NAME, would like to confirm that I have followed all the right procedures to return the merchandise related to this claim and I would like to request BOFA to reopen the claim and rule it in my favor. Attached to this letter, I'm sending supporting documentation to show that I have returned the merchandise according to the merchant policy. In the documentation you will be able to find : XXXX receipt from my drop off of the merchandise associated with the claim ; Tracking confirmation from XXXX confirming merchandise as delivered ; Diverse communication from the merchantXXXX XXXX confirming that they have indeed received my merchandise and that a refund is due. With all the above in mind, I strongly request that claim is decided in my favor. Attenciously,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10014
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
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: This is a follow up and an update to the complaint number XXXX filed on XX/XX/2023. The details of the complaint earlier filed can be referenced to the Complaint_CFPB number stated above. The reason for the follow up or update to this complaint is that I got in the mail today, a later dated on XX/XX/2023 that the claim has been updated and that the temporary credit of {$1100.00} ( including credits and fees ) has been made permanent stating it was resolved in my favor ( See attached document ). However, this is not the case. Though this letter was sent out on XX/XX/2023, the closing statement balance of the credit card account on XX/XX/2023 is still showing the disputed amount of {$1100.00} which means the letter sent out has not yet been honored or implemented. Also attached is the latest statement balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-19
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I have received a letter to ask the further information to support the dispute ; however, there is no indication of claim number. Therefore, I can not send any information regarding the claim unknown. The information is supposed to be sent to XXXX XXXX XXXX, XXXX, XXXX XXXX. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-11-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing complaint as I found inaccurate information BK OF AMER account. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results. The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions. I have also attached the FTC report with the report number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: VICTIM OF IDENTITY THEFT PLEASE SEE ATTACHED LETTERS ISSUD TO FINANCIAL INSTITUTION AND BUREAUS BANK OF AMERICA XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11763
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A