Date Received: 2023-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: In XX/XX/XXXX I was alerted by text message of a an unauthorized purchase on my credit card for {$3900.00}. I immediately called in the fraud to the bank as it was occurring. To my utter shock and surprise, I received a letter dated XX/XX/XXXX from the bank citing a merchant claims I received good and services. This is completely false, never made the purchase, never heard of the merchant, never received goods, products or services. On XX/XX/XXXX I visited the local bank branch in person. I met with a representative. He called the fraud dept and together we spoke with their fraud rep. They indicated there reopening the case. I outlined all of the investigation they ought to be doing to make this right. They admitted they did not do a complete investigation citing lack of resources to investigate every situation. I left that office on same day had local sheriffs dept at my home. I filed a report, they had actually body cam etc. I provided all of the documents to the sheriff. Then, I provided by email the police report #, to the local bank branch. On XX/XX/XXXX I received a letter from bank citing the same erroneous decision. Note : their letter was dated only 5 days after I visited the local branch. So, no addl investigation was ever done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43035
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: Wrong amount charged or received
Subissue:
Consumer Complaint: I hope this letter finds you well. I am writing to bring to your attention a matter of great concern regarding an international fund transfer I recently conducted through Bank of America. I believe this issue warrants your investigation and intervention. On XX/XX/XXXX, I initiated an online international transfer from my Bank of America account to an account in XXXX XXXX XXXX, both in US dollars. To my dismay, I discovered a significant discrepancy in the transferred amount on Wednesday. An amount of XXXX was debited from my Bank of America account, but only XXXX was credited to the recipient 's account in the XXXX XXXX XXXX. These were completely different from the information provided online and on the receipt. In an effort to rectify this matter, I promptly contacted a branch at Bank of America this morning on Thursday. Regrettably, their response was unsatisfactory, as they informed me that they would not take any corrective action. I am deeply troubled by this situation, as it not only reflects a breach of trust but also raises questions about the transparency and fairness of the international transfer services provided by Bank of America. I believe that such discrepancies should be thoroughly investigated, and appropriate measures should be taken to rectify the financial imbalance. I appreciate your attention to this matter and look forward to a prompt and positive resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91010
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: Managing an account
Subissue: Banking errors
Consumer Complaint: My Accounts with the following Bank have been technically compromised. My name, Social security number and birthdate have been altered/erased from the banks XXXX records.Bank of America {$7.00} XXXX, XXXX {$3.00} XXXX I'm a victim of Identity Theft/Fraud for the past 3 years. All of my identifying information & legal documents were stolen from me and my house. All of my asset 's are technically blocked/erased/hacked by Cyber Criminals. These individuals originate out of XXXX and XXXX Florida. They are a group of people that have had a XXXX XXXX with me since I was a child. They know things about me going back to my childhood. They know where I worked, names of friends & family, vacation destinations, home addresses, etc. I don't know them personally & I don't have any dealings business or otherwise in XXXX or XXXX Florida. My long standing bank accounts & brokerage accounts are currently not on each XXXX systems under my name, Social Security number & birthdate. For example Bank of America has {$7.00} XXXX, XXXX has {$2.00} XXXX XXXX XXXX XXXX XXXX was approximately {$500000.00}. XXXX XXXX XXXX XXXX XXXX value approx {$500000.00}. I have a list of names of people involved. They have threatened me, harassed me, terrorized me for the past 15 months in XXXX XXXX Texas. It has continued here in Florida. While I was in Texas I filed XXXX police reports for Identity Theft/fraud, bank theft/fraud, credit card theft/fraud and death threats. A report for ID theft was filed as Fraud. I believe the terminology used is " Erased '' Identity/takeover, Identity Theft/Fraud I've filed several complaints with the FTC, XXXX FBI online systems, most recently : FTC XX/XX/23 ref # XXXX FTC XX/XX/23 ref # XXXX FBI XX/XX/23 copy on my phone A complete investigation needs to be conducted by the Cyber Crimes unit of the FBI effective immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34655
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: The company suddenly closed my accounts without notice beforehand or after. They suspended my XXXX brokerage accounts and denied me access to my records offline and online. I called several times requesting the documents be mailed to me and a valid reason for closing down my accounts, the representatives essentially just hang up the phone after saying they could not access my accounts since they have been closed. Without any reason or notice they closed my accounts and kept my records. I have to file my taxes and without those I can not do so because I will run afoul to the IRS. I am appalled at the level of incompetence and rudeness of those people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
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: Other transaction problem
Subissue:
Consumer Complaint: Both my parents recently passed a week apart between XXXX and XXXX. I was left as a Beneficiary for a Bank of America account for the amount of approx. {$120000.00}. My only choices for having access to the funds was to transfer it to an existing BOA account, a mailed check or open a Merrill Edge Account, I chose to open a new Merrill Edge Account because I am currently traveling abroad and figured a wire transfer to my Credit Union might make things easier. It has not been. I started the transfers to my credit union on XX/XX/XXXX, received an email saying they received the wire transfer request. Since then it has been a nightmare as on Friday the XXXX of XXXX I tried to access the Merrill Edge app to find out I was locked out and that I needed to call a XXXX number for further assistance. The representative informed me that my account was under review and had no further information regarding the matter. With the exception of Sunday, I have been trying really hard to find out anything regarding my account and everyone at Merrill Edge service center has informed me that there is nothing they can do and can not tell me why, who or when I can either get an answer or access my account. They have essentially highjacked my funds and I don't know what to do or even who to speak with that might shed some light on what is going on. I'm still grieving over my parents death and I still need to take care of other things associated with the death of a loved one including lawyers, funeral home, estate etc. The lack of empathy and transparency regarding my account is unheard of. I am reaching out to you to file a complaint as this is the only thing I can do right now. Representatives at Merrill Edge Service center also told me they could not even give me the name of the department responsible for handling the case. Numerous calls to Merrill Edge and not one response back have left me here. There's no protocol here- just the same rote message " the account is under review, no further information is available ''. Are they not supposed to notify me of what's happening?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am writing to express my dissatisfaction and concern regarding the recent involuntary closure of my joint checking and savings joint accounts with my husband, which we have held at Bank of America for the past XXXX years. The closure mail I received was on XXXX XXXX, 2023. Throughout the duration of our account, I have maintained a responsible and cautious approach to my checking activities, ensuring that I never overdraft and consistently making timely payments, including settling our credit card dues promptly. However, to my surprise and dismay, we received a letter from Bank of America last week, notifying us of the decision to close both our checking and savings accounts. This abrupt and involuntary closure has caused significant disruption to our financial management, particularly in handling recurring payments such as utilities and other essential expenses. The sudden closure of our accounts has not only inconvenienced us but has also created an unnecessary and avoidable challenge in managing our day-to-day financial commitments. I am writing to formally file a complaint against this decision and to seek a thorough review of the circumstances leading to the closure. I tried to contact bank to see whether is there any identity theft to jeopardize my fund security and the bank refused to disclose anything. I kindly request your prompt attention to this matter and a comprehensive investigation into the reasons behind the closure. Additionally, I would appreciate clear and detailed information on any steps that can be taken to rectify this situation and reinstate our accounts. Thank you for your immediate attention to this matter. I trust that, upon review, a fair resolution can be reached to address the inconveniences caused by this unexpected account closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I've been going over my account trying to get my funds back due to Fraud. Bank of America prepaid claims as agent misfiled my claim staying that I said I never received my card which I never stated that so now bank of America keeps denying my claim because there agents missfiling. I've called multiple times letting them know the claim was misfiled and they still keep denying it for the agents missfiling that card was never received it's almost like it's being auto denyed. They have already refunded all the other XXXX XXXX and XXXX except these ones. I keep reaching out but it's like nothing is being taken seriously. I don't see how they can continue to do this to people I'm sleeping outside it is freezing in Ohio I almost froze to death last night I'm also XXXX and bank of America has no care and is improperly investigateing these claims. I can die out here and they don't care even though they are the reason that all this fraud was allowed on my account I've sent I police reports and identity theft paper but they still have n care. If something happens to me it's on bank of America because they could have help prevent this. it's not fair what they are doing to people and there lives because of a mistake on bank of America behalf.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44305
Submitted Via: Web
Date Sent: 2023-11-15
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 shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2023, there were several fraud charges made on my Bank of America credit card which I never made. The charges which made on that day. Bank of America never notified me regarding these fraud charges and said that the card was used so I am liable to pay them {$1600.00}. The fraud dispute team also charged me {$30.00} twice for fraud dispute. I would like these fraud charges of {$1600.00} taken out of my credit card balance because these are fraud charges which I never made. I am not responsible for these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 365XX
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: 2023-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: my XXXX on my Bank of America was suspended by Bank of America I would like to have my XXXX account unsuspended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I received this email to one of my email addresses. Since I believe all messages should be read only in the Bank of America website, I considered it as a fraud. The logo of Bank of America and 'lock, ' which has the same image of envelop with key and clip on the top of the print out/scan are disappeared.
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: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A