Date Received: 2024-02-15
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am XXXX XXXX, and Im submitting this complaint myself there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. There are inaccuracies that existed on my credit report. The bureaus display the Date of Last Payment differently : XXXX says XX/XX/2019, XXXX XX/XX/2019 and this is not reported on XXXX. The Date of the Last Activity shows differently : XXXX XX/XX/2019, XXXX XX/XX/2019, and XXXX is not reporting this account. The date last reported on a credit report is inaccurate or outdated ( XX/XX/2019 ). This is clearly a violation according to FCRA 611 on reporting inaccurate on my credit report. Please delete this account immediately because you are reporting inaccurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I am writing to file a complaint in connection with previous submissions against Bank of America. This complaint stems from a series of concerning interactions and systemic issues I have encountered with the bank, including but not limited to misinformation, discriminatory practices, and failure to properly record and address customer disputes. On XX/XX/XXXX, Bank of America falsely claimed that my account had been frozen by the State of Maryland Department of Labor. Upon contacting the Department, I was informed that they had not communicated with Bank of America regarding any such action against my account. In XX/XX/XXXX, I initiated disputes with Bank of America concerning specific transactions that required further investigation. Unfortunately, these disputes were filed incorrectly by the bank. Throughout my dealings with Bank of America, I have identified several systemic issues, including racism, misrepresentation, and a consistent failure to accurately record customer-provided information on serious matters. These issues have persisted without resolution. On XX/XX/XXXX, I spoke with a representative named XXXX, who acknowledged that she had provided me with incorrect information and issued an apology. This instance further underscores the need for a comprehensive review of the bank 's practices and customer service protocols. Moreover, Bank of America has continued to obstruct efforts and circumvent an enforcement action order issued against it on XX/XX/XXXX. In light of these issues, the State of Maryland directed me to its Ombudsman 's office for further assistance. On XX/XX/XXXX, I engaged with two representatives from Bank of America : XXXX from the 'check issuance ' department, and XXXX from the 'escalations ' department. My request to XXXX to file a complaint regarding the bank 's attempts to circumvent the aforementioned enforcement action was met with evasion, leading to my transfer to XXXX in the escalations department. Despite my explicit request, XXXX was unable or unwilling to confirm the filing of my complaint, offering instead to transfer me to a supervisor named XXXX within the same department. During a 40-minute conversation with XXXX, I detailed the issues surrounding the freeze on my account and filed four additional complaints related to security breaches by bank employees and racial discrimination. It is imperative that the CFPB investigate these matters thoroughly. I believe that a detailed examination will reveal the extent of the misconduct and systemic failures within Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX at XXXX EST I received a text message from my bank from ( XXXX } It stated : BofA security team : Did you attempt a sign in on the mobile app from XXXX XXXX XXXXXXXX in XXXX XXXX Texas. Reply YES/NO/HELP to block this attempt. I replied NO as i had not. They stated " Thank you for confirming '' The text had come from a number that my bank sent me previously with the same phone number that had sent a legit notice once before. At XXXX my phone rang from a numher XXXX I did not answer it. No voice mail was left. At that time i reverse looked up the number that called to see who it was. The result of the look up stated it was from Bank of America Credit Card Customer Service. So they called back and I answered the phone call. The man on the phone stated that he was from Bank of America fraud department and that some suspicious activity was noticed on my account and that they had denied the transaction. That someon was currently logged into my account that was not me. He asked some routine questions to verify my account, appearing to have all of my account information " on file ''. He told me the last 4 digits of my bank account number and the last 4 digits of my social security number to confirm. In my mind this was a legit call and that he had my account open in front of him. As he clarified the exact amount of money in my account- which at that time was {$9900.00}. He told me that since the person was logged into my account they were going to have to shut down my debit card and to safeguard my money, open a new account in my name. He then told me that since the {$3500.00} had been charged I needed to XXXX transfer {$3500.00} from my old account, to my new account ( so transfer my money from myself to myself ) I then was sent a XXXX notice in my online banking account under XXXX activity AND a text message from his supervisor an " XXXX XXXX XXXX '' here is the message : XX/XX/XXXX Completed Incoming Request XXXX XXXX XXXX - email XXXX XXXX {$3500.00} Request date : XX/XX/XXXX Pay by : XX/XX/XXXX Confirmation number : XXXX Message : XXXX Reversal Refund instantly Case # XXXX He confirmed that the case number was XXXX A few moments later i received this : XX/XX/XXXX Completed Outgoing Transfer XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Actions Transfer date : XX/XX/XXXX Confirmation number : XXXX Message : XXXX Reversal Refund instantly Case # XXXX He stated that the XXXX was a charge the person who was in my account had made and to get my money back I had to zelle myself my XXXX back. Still with all of my questioning him this looked legit. I got a text stating that I had approved the XXXX transaction and that it had gone through. At that point he stated that he needed to transfer me to his supervisor to confirm all of the information thus far and that they would help me " open a new account '' so that my money would be safe. He assured me that the XXXX was in my bank and was already in my new account waiting on the transfer of the rest of the funds in my account. The supervisor asked me to open a facetime link sent in a text. Her contact info was " XXXX This was at XXXX. She then told me that I needed to open my online banking app on my phone and that she would walk me through opening my new account. Of course, hitting " share my screen '' so that she could help.After all the steps she went through to add the XXXX user she sent a " bank of america XXXX payment code ... several of these were sent as the call progressed.The codes were XXXX XXXX XXXX XXXX XXXX Of course, she asked to verify the code number that was sent. The first code was from sending XXXX from myself TO myself and the last 4 were her trying to get XXXX to go through XXXX to put the rest of my money in my new account. She then sent a text with a link on it : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And I was to click it. It was told to me that it was a verification link I spent quite a bit of time on the phone with this lady. And then she kept trying to transfer the rest of the funds to keep my account safe and it kept rejecting. she put me on a " brief hold '' to consult with her supervisor and the call dropped. I then IMMEDIATLY called the bank of america fraud number from the bank of america website XXXX and verified that was the phone number on the back of my card. This was at XXXX I spent 1 hour and 31 minutes on the phone with them going all over this and finding out that I had been scammed and that I had not, infact, sent XXXX from myselfto myself. And that the new account number i was assigned was XXXX was not legit. They helped me file a REGULATION E claim. I then started researching all this fraud and what to do to get reimbursed since this XXXX was obtained through fraud returned too me. The 2 case id 's for this are : XXXX and XXXX. And ended the call. Through my research, I called the bank today : ( XXXX ) to confirm the information I had learned as to what to do next to help with the banks investigation. I asked first if I needed a police report, no one had mentioned this previously on the phone. And said I would do this. I then asked if XXXX was part of bank of america, they said it was and so i confirmed that since they were, getting this XXXX returned to my account sould not be a problem since I am protected under REGULATION E correct? and he said it had to be investigated. I also confirmed wtih him that REGULATION E states : **IMPORTANT UPDATE** The EFTA distinguishes between intentionally providing access to someone, like a friend or family member, and access obtained by fraud or robbery. For example, an account holder who provides their PIN to someone falsely pretending to be a bank representative is protected by the EFTA. In one recent case, a bank argued the account holder authorized an EFT after an identity thief manipulated him into providing his bank information. The court disagreed and found the EFT was unauthorized because the account holder was defrauded.If you or someone on your behalf initiates the EFT for fraudulent purposes, and If the transfer was initiated by the financial institution or its employees. Experts say any situation in which access to a device was obtained through fraud would be covered under Regulation E. So if someone gets your password through a phishing scam and transfers money, Regulation E would apply. Experts say any situation in which access to a device was obtained through fraud would be covered under Regulation E. So if someone gets your password through a phishing scam and transfers money, Regulation E would apply. XXXX XXXX XXXX XXXXXXXX operating company, has now confirmed a policy change back on XX/XX/XXXX that requires XXXX XXXX bank and credit union participants to reimburse consumers for what it calls qualifying impostor scams He confirmed that this was actual information and that I needed to file a police report and bring them a copy of it. XXXX submission : Submission Successful Your incident report has been submitted and you will receive a confirmation e-mail shortly. Thank you for using XXXX Police to Citizen. Submission Number XXXX If you do not receive the confirmation email within a few minutes, please check your Spam or Junk email folder. Bank of America basically has told me " too bad and contact the person you sent the money to. '' Also, they contacted XXXX bank where the money was sent and XXXX said no they will not return the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28715
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I have repeatedly requested a forbearance from Bank of America, and they have made multiple mistakes on my mortgage loan and forbearance process. On the first occasion they entered the wrong date, which had to be corrected after my complaints because the date error made me ineligible for forbearance. The second occasion the sent me the wrong paperwork. On the third occasion, they sent me the wrong paperwork again, and when I called them about it today, they were still entering the wrong program for my mortgage revision even after Ive contacted them multiple times to correct this. I fear that Bank of Americas repeated errors are going to cause my home to go into foreclosure. Every interaction Ive had with Bank of America during this process has revealed errors and incompetence in resolving my issue. I feel that I need protection from being forced or tricked into a foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93010
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Getting the loan
Subissue:
Consumer Complaint: I recently applied for a car loan and was denied and I'm not understanding how I can be denied value when I gave value. According to Bank of America Indenture between Bank of America Corporation as issuer and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as trustee dated XX/XX/XXXX they are default on our binding agreement. According to the Indenture in they own words WHEREAS, the Company has duly authorized the execution and delivery of this Indenture and the issuance from time to time of its unsecured and unsubordinated debentures, notes or other evidences of indebtedness ( the Securities ) in one or more series unlimited as to principal amount ; and WHEREAS, all acts and things necessary to make this a valid indenture and agreement of the Company according to its terms have been done and performed ; NOW, THEREFORE : In consideration of the premises and of the purchase and acceptance of the Securities by the holders thereof, the Company and the Trustee covenant and agree for the equal and proportionate benefit of the respective holders from time to time of the Securities. Also in the Indenture when it comes to the authentication and approval of the offerings of the company, the issuer and the trustee authorized and approved of all offerings before it is offered to the public and any instrument duly executed becomes a binding agreement with the holder, issuer, and trustee where the Company and the Trustee covenant and agree for the equal and proportionate benefit of the respective holders from time to time of the Securities. Now I filled a filled a electronic instrument for the car loan where I gave a security which is and value in exchange for the car which a electronic signature was used by me which has the same authority as a manual signature.So our binding agreement has been in default since XX/XX/XXXX and I will like my end of the agreement which we both agreed and became a contract when there was an offe, acceptance and consideration. According to their indenture the offers before offered to the public has been authorized by Bank of America sent to the trustee where the Trustee gives it a XXXXertificate of authorization which they did according to their indenture dates XX/XX/XXXX XXXX XXXX section XXXX as follows. ( XXXX ) if such Securities, in whole or any specified part, shall be defeasible pursuant to Sections XXXX and XXXX, and, if so defeasible, any provisions to permit a pledge of obligations other than U.S. Government Obligations ( or the establishment of other arrangements ) to satisfy the requirements of Section XXXX for defeasance of such Securities ; ( XXXX ) if and under what circumstances the Company will pay Additional Amounts in respect of such Securities and whether the Company has the option to redeem such Securities rather than pay such Additional Amounts and the terms of such redemption ; ( XXXX ) any provisions relating to the extension of maturity of, or the renewal of, such Securities ; ( XXXX ) any addition to, elimination of or other change in the Events of Default or covenants, or to the definition of Covenant Breach set forth in Section XXXX, in each case with respect to such Securities, including making Events of Default, Covenant Breaches or covenants inapplicable or changing the remedies available to holders of such Securities upon an Event of Default or a Covenant Breach ; ( XXXX ) the date as of which any such Securities shall be dated if other than the date of authentication of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX evidencing such Securities or, in the case of such XXXX represented by a XXXX XXXX XXXX, the date of original issuance of such Securities as endorsed on such master XXXX XXXX or as indicated on the schedule thereto ; XXXX ( XXXX ) if such XXXX will not be registered under the Securities Act, the section of, or rule or regulations under, the Securities Act in reliance upon which the Securities will be offered and sold, any legends related thereto to be placed on the face of the certificates evidencing such Securities and any restrictions, provisions, certification or evidentiary requirements, or procedures governing transfers or exchanges of any such Securities or interests therein ; and ( XXXX ) any other terms of such Securities, including any terms that may be required or advisable under the Securities Act and the rules and regulations thereunder ( which terms shall not be inconsistent with the provisions of this Indenture ). All Securities of any one series need not be issued at the same time and may be issued from time to time ( including pursuant to a Periodic Offering ), consistent with the terms of this Indenture, if so provided by or pursuant to the Board Resolution or Officers Certificate referred to above or as set forth in an indenture supplemental hereto. If so provided by or pursuant to the Board Resolution or Officers Certificate or set forth in a supplemental indenture referred to above, the terms of such Securities to be issued from time to time may be determined by or pursuant to such Board Resolution, Officers Certificate or supplemental indenture, as the case may be. All Securities of any one series shall be substantially identical except as to denomination ( in the case of Registered Securities ) and except as may otherwise be provided by or pursuant to such Board Resolution, Officers Certificate or indenture supplemental hereto ; provided, however, that if additional Securities of a series are not fungible for U.S. federal income tax purposes with existing Securities of a series, such additional Securities will have a separate CUSIP number and ISIN. Now how its a binding agreement is referenced in their indenture XX/XX/XXXX XXXX XXXX section XXXX, XXXX as follows. defaulted interest, as the case XXXX be, will not be payable on such interest payment date or proposed date for payment, as the case XXXX be, in respect of such XXXX, but will be payable on such interest payment date or proposed date for payment, as the case XXXX be, only to the person to whom interest in respect of such portion of such XXXX XXXX is payable in accordance with the provisions of this Indenture. ( XXXX ) The Trustee shall have no obligation or duty to monitor, determine or inquire as to compliance with any restrictions on transfer imposed under this Indenture or under applicable law with respect to any transfer of any interest in any Security ( including any transfers between or among Depositary participants or beneficial owners of interests in any Global Security ) other than to require delivery of such certificates and other documentation or evidence as are expressly required by, and to do so if and when expressly required by the terms of, this Indenture or such Security ( to the extent provided for as contemplated by Section XXXX ( b ) and set forth in such Security in accordance with Section XXXX ( f ) ), and to examine the same to determine substantial compliance as to form with the express requirements hereof. ( f ) If, as contemplated by Section XXXX ( b ), any Securities having restrictions on transfer or exchange are issued hereunder, such Securities and any interests therein XXXX be transferred or exchanged only in accordance with the legend ( XXXX ) placed on the face of the certificates evidencing such Securities and/or such restrictions, procedures, certification or evidentiary requirements or other provisions of such Securities established XXXX contemplated by Section XXXX ( b ), unless eliminated by the Company, and to the extent required by the Securities Act. Now I have rights when the company and the Trustee is in default pursuant Bank of America Indenture dated XX/XX/XXXX as follows. of Default described in clause ( c ) or ( d ) above shall have occurred and be continuing, and in each and every such case, unless the principal of all Securities shall have already become due and payable, either the Trustee or the holders of not less than XXXX percent in aggregate principal amount of all Securities then Outstanding hereunder, treated as a single class, by notice in writing to the Company ( and to the Trustee if given by securityholders ), may declare the principal of all Securities ( or, with respect to Original Issue Discount Securities, such lesser amount as may be specified in the terms of such Securities ) to be due and payable immediately, and upon any such declaration the same shall become and shall be immediately due and payable, anything contained in this Indenture or in the Securities to the contrary notwithstanding. Unless otherwise specified as contemplated by Section XXXX ( b ) with respect to the Securities of a series, there shall be no rights of acceleration other than as described in the immediately preceding paragraph. In addition, for the avoidance of doubt, unless otherwise specified as contemplated by Section XXXX ( b ) with respect to the Securities of a series, neither the Trustee nor any holders of such Securities shall have the right to accelerate the payment of such Securities, nor shall the payment of such Securities be otherwise accelerated, as a result of a Covenant Breach. Further, for avoidance of doubt, if an Event of Default as described in Section 6.01 ( XXXX ) is specified for the Securities of a series, there will be no right to accelerate payment of such Securities on the terms described in the immediately preceding paragraph unless such acceleration rights are granted specifically for such Securities as contemplated by Section XXXX ( b ). Now if they do not duly execute the agreement in the the next XXXX days after receiving this dispute I'll will be forced to inform the SEC then I will take all the legal matters I'm titled to. I have evidence of the denial of my value which they received value.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX Bank of America withdraw {$4100.00} from my checking account to offset a late credit card account, in violation of federal law. I called and talked to numerous people at Bank of America and they refused to reverse the offset, even when I reminded them that it is a violation of federal law to use a deposit account to offset a credit card debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Problem with customer service
Subissue:
Consumer Complaint: Roughly 1 month ago ( XX/XX/year>, I had an account with Bank Of America banking institution closed. My account had an remaining balance ( from direct deposit via my job ) of funds left over in the account ( Checking Account ). I contacted Bank OF America via phone. I spoke with a representative who asked me to verify myself, as well my address ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, Tx XXXX ). The representative then went on to state that since I had an dispute pending ( of a transaction that I disputed ), that i would have to wait until the bank processed my dispute, and that I would then receive my funds in total ( the remaining balance and dispute ( if acknowledged ) ) payment via check in the mail, by XX/XX/year>. I asked the representative what address would they be sending it to ( being that i had moved and updated my address with Bank Of America well before this incident ). The representative informed me that it would be mailed to the address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Tx XXXX ). The address that i was asked by the representative in the beginning of the initial call to gain access to my account. Moving forward, a few weeks had went by, I contacted Bank Of America again via phone, this time when i got a representative, I requested an update on my process of funds being delivered to me, I had gotten the same response from the new representative, that the first representative had given me. In addition, I asked the representative, could I just go pick my funds up from a Bank Of America location. The representative stated that it was possible, however, that the representative would have to put in a request to the bank, to see if they would allow me to. The representative put the request in for me. Then stated that i had to wait a few days to a week to get a response from Bank Of America. And, that my request could be denied, due to having a pending dispute ( which was understandable ). The wait time had pass, and my request was denied for that reason. I could not pick up my funds from a local branch. I then called back again for an update sometime later, and was told that i still had a wait period for the dispute process. Thursday, XX/XX/year>, I called Bank Of America at XXXX XXXX for an update on my funds. I got an representative, who asked me to verify who i was and my address ( XXXX XXXX XXXX XXXX XXXX ) on a recorded line. I gave my information and my address. Afterwards, the representative accessed my account. I asked the representative about the process of my funds, the representative stated " As of XX/XX/year>, Your funds were mailed out. '' I asked him where were they mailed to for verification, the representative ( very nice individual ) stated that my funds were mailed to " XXXX XXXX XXXX XXXX XXXX, Tx XXXX ''. I stated to the representative that was the wrong address, and I asked how could this happen, considering the representative just asked me to verify my address to access account information. The representative then transferred me to a supervisor as i requested. I got the supervisor, stated my issue to her that it had been quite some time, and that my funds had been mailed to the wrong address, when i had taken specific measures through this waiting period to check and insure that my funds were being sent to me. The supervisor state that it wasn't anything she could do. She stated that she could stop payment on the check, and that i would have to wait another 21 days, after the check reached the mailed to location ( who knows how long that would take ). Then she stated that the check would have to be mailed back to them or returned before i could get my funds reissued via check. I stated to the representative that i had updated my address and made multiple attempts via call, to ensure that this process would work in my favor. I stated to the supervisor that this was an issue on there end. The supervisor stated that she didn't see my updated address and that was a issue that was my responsibility to update my address. I asked her to check my call history and the recorded conversations when I called and verified my account with my current address, as well when i asked the representatives where would my funds be mailed. She stated that it was nothing she could do besides stop payment, and that i would have to wait until they received the returned check in the mail ( likeliness of that happening ). I asked her could i get request to go pick my funds up from a local branch as a representative did for me before, she said no she cant. My funds are being withhold from me and the dispersement of my funds failed to be properly executed to me. In addition, I'm suffering from having to wait extended amounts of time due to Bank Of America faulty process of sending my funds out via mail. If i was given the option to get my funds prior, via a representative, why couldn't the supervisor seek an equal or better resolution? I'm a victim of inequity and bigotry!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Bank of America is constant sending me email and text msgs about a few closed accounts. With this I request Bank of America to stop with the day in day out harassments and accept my settlement offer...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
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: In XXXX of 2023 I had two XXXX XXXX tickets from XXXX, XXXX to XXXX, XXXX. Upon arriving at the airport, my partner and I paid XXXX to check our bags, received our tickets, and passed through security to the appropriate gate. Prior to boarding, the gate agents asked to see proof of onward travel from XXXX. While we possessed airline tickets back to XXXX, the flights did not originate from XXXX. XXXX claimed that proof of onward travel was a prerequisite for boarding the flight. Resultantly, we were not allowed to board the flight despite being issued tickets, being checked in, and paying for checked bags. No where in XXXX 's boarding policy or XXXX immigration policy does it say proof of onward travel is a prerequisite for boarding a flight or entering the country. We were forced to buy tickets through XXXX for the following day, and get a hotel room for the night. The following day, having bought the necessary flights to prove onward travel, we arrived at the airport. The XXXX gate agents never asked to see the tickets for which we had been denied boarding for not having the previous day. The XXXX immigration officer also did not ask to see proof of onward travel when welcoming us to the country. I was unable to get in touch with XXXX despite multiple attempts to reach them. Resultantly, I filed a dispute for the charge of {$440.00}, the cost of the initial flights from which we were denied service, with Bank of America whose credit card I used to purchase the flight. I filed a dispute which did not allow me to provide basic information about the situation and then I was given a conditional credit. Then, towards the final days of the dispute window I was informed that my dispute was denied and the conditional credit was revoked. Never in the course of Bank of America ( " BOA, '' ) researching the dispute was I contacted to provide any narrative or evidence whatsoever. I complained about this to BOA. They had contacted XXXX who said that I had in fact been on the original flight that I was rejected from. This was enraging given that I had substantial evidence that I had had to buy more tickets and had passed through XXXX customs a day after they said I had arrived. In disputing this false claim, BOA said I could send a letter to provide my own narrative and evidence. Having done this, BOA said the final resolution would be issued in 45 days. After that 45 day window came and went, I called customer service who expedited my dispute claim. A few days after that, I received a message that my claim appeal had been denied with the justification that " Although you werent able to use the service, the merchant was willing and able to provide it to you. '' This is simply untrue, and, even though BOA never asked me, I provided irrefutable evidence that this was a false statement. Attached are a number of pieces of evidence to verify my claim of being ticketed, paying for checked bags, being arbitrarily rejected from boarding, and having to purchase new tickets for the next day. Among the pieces of included evidence are : The confirmed purchase of the original flight on XX/XX/XXXX as well as the boarding protocol which makes no mention of needing proof of onward travel ( nor does XXXX 's immigration website ). A checked bag receipt from the original flight, confirming we had successfully checked in to the flight. Our XXXX ticket of onward travel booked the day we were told it was necessary, and booked after having been denied boarding from the original flight. My passport, stamped by XXXX immigrations, showing entry the day after XXXX claimed they transported me to the country. A receipt for the airline tickets I had to purchase the following day, XX/XX/XXXX. All of this refutes BOA 's claim that the merchant, XXXX, was willing and able to provide service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Problem with customer service
Subissue:
Consumer Complaint: I received as payment in a legal settlement a personal check from a bank of america account holder. In an attempt to cash the check immeadiately i drove XXXX miles from my home to the nearest bank of america in XXXX texas who then refused to cash this check because it was over XXXX dollars and i was not an account holder. I then spoke to the bank manager i explained to him i had numerous things waiting on the money from this check, and that it didnt seem reasonable to me to be expected to open a bank account at a bank that doesnt have a branch in the town i live in. He restated the tellers statement but offered to convert the personal check to a cashiers check for me and then charged me XXXX dollars for the cashiers check. After receiving the cashiers check i asked if this check was good at any bank of america and the teller said yes it was. i then asked her to cash if for me and she once again stated that it was against bank policy to cash a check over XXXX dollars for a non account holder. I feel that bofa ' s refusal to cash their cashiers check violates banking laws. I suffered a business loss, an untallied amount of money due to check cashing fees and prepaid debit card use fees, not to mention my valuable time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A