Date Received: 2023-11-10
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I received my paycheck from my employer and deposited said paycheck XXXX XXXX XXXX The paycheck I cashed was for {$440.00}. I deposited this check XX/XX/XXXX. This paycheck was funded to my savings account the next day. On XX/XX/, Bank of America took this paycheck out of my savings account, claiming that I have deposited this check twice, as the check number has gone through their system already. I have contacted my employer, who has told me that my paycheck did come out of his account on XX/XX/XXXX, when I deposited it. It was never deposited twice! Bank of America owes me {$440.00} which is what they took out of my account XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 at XXXX EST, I received an email that a Bank of America account was opened in my name. Ive never a customer of Bank of America. The account was called an XXXX XXXX XXXX. The email address that sent the account information was a genuine Bank of America email address. The account has been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
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 used my Bank of America ( BOA ) credit card to make a transaction on two products on XXXX on XX/XX/XXXX. However one of the product was received not as described in terms of color, pattern and quality. The amount for the product was {$260.00}. I followed XXXX 's instruction and returned the good on XX/XX/XXXX for a refund. I paid for the shipping {$150.00} as XXXX team said they will reimburse me after the product is delivered. But the seller refused to pay the custom tax, which caused the product being stuck at XXXX custom for about XXXX months, and the seller has been ignoring my messages since then- they are avoiding the product to be delivered to them. Now the product is on the way back to me, and I still did not receive it, it has been XXXX months since I initiated the return, really exhausting by contacting seller, XXXX and my bank. In order to protect my consumer rights and my money, I submitted a claim to BOA to hope get the money back from bank because the item was not as described, which should be a valid reason as I did not get what I was purchasing for. On the other hand, I attempted to return it even though it wasn't successful due to seller themselves. However, BOA rejected my claim ( on the phone ) by saying that the product was not actually delivered back to seller even though I explained in my dispute letter and provided evidences how the seller was the one refusing to receive the product. I am hopeless right now, I thought my bank at least could help me protect my money in such cases which the seller was tricking the system. Now the seller/Aliexpress is not refunding me anything and not reimbursing me anything. I've lost {$400.00} in total and I lost the product as well. The way how BOA was handling their customer 's dispute was not professional, they should help their customer secure their money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91791
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, NY XXXX XXXX XXXX Bank of America XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ATTN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX NOTICE TO PRINCIPAL IS NOTICE TO AGENT NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, I recently received my XXXX, XXXX, and XXXX consumer reports and noticed that my experience with your company is being reported. The line of credit I have with your company, which is characterized as utilization on my consumer reports. YOUR COMPANY IS ILLEGALLY REPORTING THIS EXPERIENCE ( UTILIZATION ) on my consumer reports. XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX Account XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX Account XXXX Your Company Is In Clear Violation Of The Law. Pursuant to 15 U.S.C. 1681.2 ( A ) ( i ). - EXCLUSIONS - Except as provided in paragraph ( 3 ), the term " consumer report '' does not include -- ( A ) subject to section 1681-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions or experiences between the consumer me XXXX XXXX and you XXXX XXXX , Bank Of America , XXXX XXXX XXXXXXXX XXXX , XXXX XXXX XXXXXXXX , XXXX XXXX XXXX , XXXX XXXX XXXXXXXX are Making the report is NOT TO BE INCLUDED on my Consumer report. Utilization is an experience with the line of credit that was extended between the consumer me, XXXX XXXX and you XXXX XXXX, XXXX XXXX XXXX XXXX, Bank Of America, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, that is making the report. CONGRESS clearly states that the report of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports. YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2Ai by reporting this transaction or experience ( utilization ) on my consumer report which CONGRESS clearly states IS NOT INCLUDED on my CONSUMER REPORTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07010
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My direct deposit was not deposited. I have tried to contact the bank through all means and unable to speak to anyone or get through the line. I have numerous bills coming up and due to being a victim of fraud in the last three weeks I am concerned with my banks ability to keep my money secure leaving me unable to feed my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95403
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
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: On XX/XX/XXXX I tried to make a ACH direct deposit cash advanced for {$15000.00} from Bank of America using a promotion that advertised no interest on said charge via their online mobile app. It was advertised as cash in XXXX business days I mistakenly entered a wrong number for my XXXX XXXX XXXX Account number. After not seeing the cash in my XXXX account after XXXX days, I called Bank of America as something seemed off. I read back the correct account number to them and was told that it matched what they had. I also made them aware that neither the website or mobile app had any page where I could see the details ( amount, account #, not even a transaction ID ) of this transaction like with any other transfer or transaction. After a few more days of still not receiving the money ( now outside of their time window ) I called back again and was met with a lot of rude customer service and insistence that I needed to keep waiting for the transfer. I had to keep insisting that I speak to a manager as something was definitely wrong. It eventually came out that the employee had verified the wrong number. I called XXXX and they were able to locate the funds and return them to Bank of America. Bank of America verified that they had received the funds and that the transaction was reversed and complete. The following day I received an email from Bank of America stating that another {$15000.00} transfer had been initiated. I immediately called as I had not authorized anything like this after my nightmare experience the first time. I was told this this was a fluke email and that I had nothing to worry about. I received the same email the next day and saw money in my XXXX account and knew that something was wrong. After calling back again I discovered that an employee had access my account and initiated the transfer without permission. As I did not authorize this transaction I filed a dispute and left the money untouched in my account. I did not want to tell XXXX to reverse the charge because I had no idea where this money would go to if reversed ; I had no details of the transaction and did not know where it would be reversed to. After this I paid off my Bank of America card and waited for the dispute to be reversed and transferred back from XXXX. I received a letter in my online portal stating that they needed me to do long list of this things which seemed absurd for a transaction they know their employee illegally made. I kept the money in the same account throughout this time untouched. On XX/XX/XXXX after using the card, Bank of America immediately posted another {$15000.00} charge to my account stating the claim had been resolved and that I would be charged interest and fees accordingly for a transaction their employee made illegally and unauthorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today, XX/XX/XXXX, I received a letter from Bank of America notifying that this bank could not help with " my '' credit card request. Since I do not have any idea what that mean to me, I would like to notifying this letter.
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: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I have called several times a day for months by a robo number that hangs up when I answer. Sometimes I call back to speak with someone and I'm on hold for twenty or more minutes at a time. When I finally spoke with a " supervisor " about this matter, I was told I would be sued. I informed him that I needed to verify this was my debt and he in turn said his scripted message and hung up. The document sent by XXXX is a standard letter that anyone can produce. I also gave this company my updated address to receive the documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64130
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Employment Direct deposit- Have not recieved my funds from deposit date XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46062
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My XXXX check was stolen from my account that Bank of America deposited the funds into their bank. As soon as the funds were deposited, they were withdrawn. I sent Bank of America a copy of my drivers license. To show whoever stole my funds from my Bank of America debit card wasnt me. This is the second time that this has happened. It seems like Retaliation I used to work for Bank of America and they fired me have a XXXX. So I filed a complaint against them. And this is the second time they start taking my money from my account. Last time it took XXXX months for them to refund my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A