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
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
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
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
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
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
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
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
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
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