BANK OF AMERICA, NATIONAL ASSOCIATION


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"Products" offered by BANK OF AMERICA, NATIONAL ASSOCIATION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Debt or credit management - Student loan debt relief
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler�s/Cashier�s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Pawn loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - ID prepaid card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 7865896

Date Received: 2023-11-18

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: People are using my credit cards and charging me they have used XXXX and making me pay for it and the banks do fraud they use other money I have to make it that I got it back my money which in reality there doing fraud to they also ruined my credit score

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AZ

Zip: 857XX

Submitted Via: Web

Date Sent: 2023-11-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7865838

Date Received: 2023-11-18

Issue: Opening an account

Subissue: Account opened without my consent or knowledge

Consumer Complaint: Recieved email from Bank of America on XX/XX/ XXXX XXXX XXXXXXXX XXXX stating that an online banking account was opened. On XX/XX/2023, I received an email from XXXX XXXX ( a subsidiary of Bank of America ) stating that an application for a XXXX account is under review. At XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I called XXXX XXXX to rectify the situation. They confirmed that the activity was fraudulent as the user entered my social security number, date of birth, address, and name. They closed the application and flagged my social security number to prevent users from making an account with it. The representative also informed me that this information would also be passed along to Bank of America. However, I received another email from Bank of America stating that an online banking account had be created on XX/XX/2023.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IL

Zip: 60423

Submitted Via: Web

Date Sent: 2023-11-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7865777

Date Received: 2023-11-18

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I have XXXX credit cards with bank of American I mail the payments most times for both credit cards. I use checks on my bank of American accounts. they cashed XXXX but not the other. I waited XXXX days and still nothing. I tried to contact them via the app and now on the phone. I have been on hold for XXXX mins. I will have to put a lost / stop payment on the check. I want them to research how they cashed XXXX but not the other when they were in the same envelope.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 75048

Submitted Via: Web

Date Sent: 2023-11-18

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7865692

Date Received: 2023-11-18

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Consumer Complaint: XX/XX/XXXX an advertisement was selling an item and requested a XXXX payment {$280.00} which I sent a XXXX transfer. Then the merchant stopped communicating with me immediately after receiving funds. We contacted the bank immediately and was told we needed to wait until the funds were Withdrawn to file a complaint. Bank Of America had us wait seven days before we can file the claim, they told us it takes three days to get an answer back. Three days later, we called the next agent told the seven days, we call back seven days later that AGENT told us it is always 10 days, call back 10 days later this final agent told us the max time they have is 45 days and it hasnt been 45 days, call back after 50 days by then we received a notice from Bank Of America that our claim was denied. We never received any documentation. Each agent told us we would receive an update on what they were doing the entire time, and we never received one document concerning any updates. I called the number on the letter like it stated to receive documentation and that agent told us that was the wrong information. We now need to call a new number she provided for us to call to receive our documents pertaining to the case and claim but the request had to be faxed to Bank Of America. I did that on XX/XX/XXXX and still today XX/XX/XXXX, no documents received from Bank Of America. Now we noticed yesterday, XX/XX/XXXX the bank now with you {$140.00} from my Account for overdraft fees in my dad account because claims he filed were pending and also denied, and he was fighting that with Bank of America, but they want their overdraft fees for my dad 's account, so theyre taking funds from my account to cover their fees.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33312

Submitted Via: Web

Date Sent: 2023-11-18

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7865364

Date Received: 2023-11-16

Issue: Fees or interest

Subissue: Charged too much interest

Consumer Complaint: I paid off my Bank of America credit card and they are still charging me XXXX in interest! I called them aand aked how much would payment would be including interest on! XXXX The rep. it would be XXXX which would incluse interest!!!!!!!!! This month they are still charging me interest on balance I paid off!!!!!!! When I called the rep today ( XXXX XXXX ) told me the other rep was wrong and I had to pay interest on credit card for 3 month!!!!! That is ridiculous!!!! Never heard of this before!!! I have paid off all y credit cards and have other visa carda and have not had this problem!!!!!!! Only with Bank Of America!!!!!!! I paid off a Business Bank Of America and then they cancelled the card for no reason. Bank Of America is doing alot of illegal procedures and they need to be held accountable for them!!!!!!!!!

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 30038

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7865093

Date Received: 2023-11-16

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: Unauthorized inquiries on my report

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 770XX

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7864889

Date Received: 2023-11-16

Issue: Closing an account

Subissue: Company closed your account

Consumer Complaint: I was taking money from my credit card in a cash advance and putting into my checking account. I then took money from my account as I did know it was a fraud and identify theft. This was going on for a few weeks. Upon receiving a money transfer and removing money several time a manager said they would close my account because I was being fraud. I asked if the money would be returned to me and they said the fraud department was handling it. I tried contacting the department and they would respond, " still in research. '' The institution : Bank of America. I also had so problems with : XXXX XXXX XXXX but they did give me an affidavit to file to there company. I believe if I was under duress and was told to comply that something can be done. Thank you

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NJ

Zip: 083XX

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7864544

Date Received: 2023-11-16

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: On or about XX/XX/, I purchased a modem from the website XXXX. When the modem came, it was discovered by XXXX that it was stolen. When I reached out to XXXX, I was told that I did not dispute the claim on time and due to their policy there was nothing that could be done. I even contacted the seller and they read the message with no response. I disputed the information with the bank. Several weeks later, the charge was reversed.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: VA

Zip: 22191

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7864035

Date Received: 2023-11-16

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: On XX/XX/XXXX I made a claim through BOA 's claim system, and customer service line RE : an overpayment to Spirit Airlines for baggage. There were 2 amounts of {$45.00} charged to my account. I told the rep that I paid for my baggage online, and then had to pay for my baggage again when I got to the airport- quadruple payment ( there and back ). The payments made at the airport were with other forms of payment. I received a notification from BOA that I needed to submit supporting documentation that payment was made with another form of payment. These receipts were submitted on XX/XX/XXXX for both requests on claim ID XXXX. BOA confirmed that they received the supporting documentation via their message center, and this was also confirmed with their CS rep. The CS rep informed me that the supporting documentation was received by BOA on XX/XX/XXXX for both claims. On, or around XX/XX/XXXX I received notification from BOA that they had not received my supporting documentation, and therefore my claim would be closed. Additionally, BOA informed me that the credited {$45.00} would be withdrawn from my account because they did not receive supporting documentation. Subsequently, when I called BOA on or around XX/XX/XXXX, the CS rep informed me that my claim had been closed- a decision had been made on XX/XX/23 because they never received supporting documentation. This is contradictory because I received an automated message that my documentation had been received, and the CS rep also confirmed through a recorded conversation that my supporting documentation had been received for both claims.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IL

Zip: 60620

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7863969

Date Received: 2023-11-16

Issue: Problem with a purchase or transfer

Subissue: Card company isn't resolving a dispute about a purchase or transfer

Consumer Complaint: With the goal of brevity being the main focus I will attempt to sufficiently describe the problem without being excessively verbose. Thank you. Basically back in XXXX I was at the tail end of having been on unemployment in CA. In XX/XX/XXXX I had lost a total of {$5000.00} between two unauthorized transfers out of my Bank of America CA unemployment prepaid account. I filed a fraud claim and it took Bank of America 21 months to refund the money. I did not realize the money had been refunded until a month or so after the refund actually took place. In order to access the funds and the account BofA needed to send me a new prepaid card to activate and regain access to the account. So I called BofA to request a new card be sent out I was informed that they had just issued a new card and I informed them that I wished for my card to be expedited to me so that it would arrive at my door and not to the cluster box at the apartment complex DUE TO ONGOING SECURITY ISSUES/FAILURES OF THE MAIL ARRIVING WITHOUT HAVING ITEMS STOLEN AND/OR TAMPERED WITH WHICH HAD BEEN A SERIOUS ISSUE AT THE COMPLEX FOR AT LEAST A XXXX AND A HAL PRIOR TO THIS TIME. THE customer service agent I spoke with told me that despite my request to have the card expedited to me which is an optional service that costs a fee if {$15.00} which I stated I would gladly pay that they would not be able to send the card expedited. This was on XX/XX/XXXX. Not understanding why I was being denied an optional service that I was willing to pay the fee for I attempted to once again call BofA prepaid cardholder services and attempt to again secure the expedited ordering of my new card so that the card would be delivered to MY DOOR AND NOT TO THE CLUSTERBOX WHIch had been proven to be compromised at our apartments numerous times during the period in question. I communicated this to the customer service operator now this was the SECOND TIME and the SECOND OPERATOR THAT DENIED ME MY REQUEST TO PAY THE FEE AND HAVE MY NEW CARD EXPEDITED TO ME. So after arbitrarily declining to send me my card expedited because I had security concerns the new card also took nearly XXXX weeks to arrive and before the card arrived I had left town on vacation for XXXX month. I came back to discover my debit card prepaid card from BofA had been tampered with ( opened and resealed ) and that the funds that had taken 2 years for BofA to replace, {$5000.00} had all been spent. All of this took place because BofA XXXX XXXX XXXX arbitrarily decided they would not allow me to have my card expedited to me which I requested and explained it was for security reasons and that I would gladly pay the fee to have this service be afforded to me. Therefore BofA directly caused my loss of these {$5000.00} which I HAD ALREADY WAITED XXXX YEARS TO BE REFUNDED. BofA refuses to refund the monies despite the transactions taken place while I was out of state for weeks and a significant amount of the money was used to a cash app account which I don't recognize the name it certainly isn't my name or anyone that I know. BOFA REALLY XXXX XXXX XXXX HERE AND I HAD MADE EVERY EFFORT TO SECURELY RECEIVE MY NEW PREPAID DEBIT CARD AND BECAUSE THEY ARBITRARILY REFUSED TO EXPEDITE ME MY CARD FOR A FEE WHICH I WOULD GLADLY HAVE PAID THEY ARE REFUSING TO HELP ME OUT AFTER HAVING ME WAIT 2 YEARS FOR THE! MONEY LOST PREVIOUSLY TO FRAUD NOW I LOST IT TO FRAUD AGAIN BECAUSE THE CUSTOMER SERVICE CARDHOLDER HELP REFUSED TO SECURELY EXPEDITE MY NEW CARD TO ME FOR NO REASON ABD DIRECTLY AS A RESULT THE MONEY REFUNDED TO ME FROM XXXX {$5000.00} WAS STOLEN FROM ME AGAIN.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 93726

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.