Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called the XXXX XXXX for Bank of America and reported withdrawal history that I did not make nor gave permission for. After filing said claims I received in the mail the Denial of Claim Letters. They stated that my claims were denied because B of A found evidence that I performed the withdrawals myself or gave permission for someone else on my behalf. These withdrawals totaled more than {$5000.00} and were in no way done with my consent or knowledge. They were done at a Casino near where I live. I called B of A to request the documentation and any proof that was used in order to make their decision. Several weeks later I rcvd what they considered the absolute proof that I was responsible for what I had claimed, all that was sent to me were print outs of transaction history in and around the time of the particular disputed transactions. This is something obviously I already was aware of and had access to and that any monkey could have printed out and in my opinion does NOT constitute valid, without doubt proof that I was responsible. I have attempted to contact someone higher up with no luck and was advised that my claims would not be reopened, no individual will answer any questions and I am basically told oh well and laughed at. I think their excuses are not valid and not professional and that they did not handle my disputes accordingly and I want my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92211
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Ever since XXXX XXXX and his team players learned how to hack Bank of America 's firewall, I've been having online banking issues and I haven't been able to have direct access to my real account online. I keep viewing fake, fraudulent accounts created by the XXXX ' group. For example, my balance today, XXXX, should be {$100.00} plus the credit from XXXX ( double billing ) {$40.00} ; and it's not. Then, on Friday, XXXX, when I received the refund from XXXX, my balance was {$250.00}. not {$420.00}. And later on that same day, when I made my deposit of {$170.00}, self earned money, my available balance was {$420.00} ( rounded. ) So, I don't know where {$590.00} came from. I'm convinced this is NOT my online account ; and I have no business viewing someone else 's account that's mimicking my real account. I'm entitled to my real, legit, legal, real time, online account. Who is causing this problem and why? What's the problem with me having " my '' real online account? Please have the bank return my real online account and disconnect me from XXXX ' XXXX XXXX fake account that gets tampered on a regular basis. Again, give me back my real account with the correct Available Balance. Thank You. XXXX XXXX XXXX
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: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: BANK OF AMERICA refused to accept my claim of identity fraud nd the account was opened fraudulently by someone using my personal information even though I provided proof of the identity fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX, I spent {$1200.00} for my rent and {$460.00} for a firearm on XXXX Both payments were denied, and I had to call Bank of America to confirm the payments and unlock my card. The customer support said the failed transactions would be reimbursed 1-3 business days after they are fully processed. After my card was unlocked, I made the {$460.00} payment again. XXXX XXXX I still haven't received the reimbursement, but made the {$1200.00} payment again to avoid late fees or potential eviction. Today, XX/XX/XXXX, I STILL have not received the reimbursement, and calling customer support only resulted in me repeatedly be told I should have received the payment automatically. I asked for logs or proof of reimbursement but was not given that. I also found out transaction logs under debit/credit cards will be modified and remove denied transactions, leaving no record of those taken place. I have an email from my leasing office for the failed rent payment, but unfortunately no email for the failed firearm payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I, XXXX XXXX XXXX, really need help to receive a provisional credit adjustment to my Bank of America EDD card account that should have been standard issue for all transaction disputes that are really transactions in the history. I really did not authorize these transactions to XXXX XXXX in the past XXXX claim and XXXX transaction already went through and that resolved with the provisional credit and economic hardship explanation it was resolved I got the adjustment of credit of {$800.00} already. I have an active claim with Bank of America prepaid EDD card service center claims department disputing to transactions. I need help with to receive a provisional credit that should have been given with economic hardship escalation and it was denied the provisional credit and the economic hardship especially during this time period of urgent proclamations for support in the United States and I'm in XXXX. I would like you to promote provisional credits for a distribute transaction claims if a Bank of America throughout the United States.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I paid off my card and they closed my account. i also paid off my upstart loan and they sent it to collections which I paid off, in accordance with the fair credit reporting act this creditor has violated my rights under 15 USC 1681 section 16 o 2 states i have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 at approximately XXXX XXXX, my Bank of America Savings Account recorded an unauthorized transaction in the amount of {$2500.00}. The transaction was a XXXX payment from my Savings Account ( never used for a XXXX transaction in 10 years with this bank ) to the checking account of an unknown individual. Immediately upon discovery ( on the very same day of the fraudulent transaction ) I notified Bank of America, requested the bank accounts to be frozen and promptly filed a police report with the XXXX XXXX Police Department, Internet Crime Complaint Center ( IC3 ) and Federal Trade Commission. Bank of America was provided with all the documents described above along with a notarized affidavit ( in which I declare that I have not originated, approved or delegated in any way the disputed transaction ) and other documents they requested regarding the cyber-attack ( such as a notice letter from IBM of a data breach involving my sensitive data and screenshots of antivirus detections of malwares on my personal computer on the date of the transaction ). Bank of America denied the claim on the basis that I did not provide enough legal evidence of a cyberattack therefore I should be accounted liable of a fraudulent transaction from my " savings '' account to an unknown party. The claim was rejected 3 times because they keep arguing that I personally approved the transaction " since I did not provide the right amount of legal evidence of a third party tampering with my devices ''. The type of evidence they are requesting would only be accessible by the instruments of subpoena ( requested by a court of law ) or an expert letter/opinion which would cost by itself more than the disputed transaction. I spent hours investigating, filing complaints, waiting on hold over the phone or in one of their financial centers and requesting legal documents to parties which are not interested in cooperating since they do not want liability. I was forced by the bank to assume the burden of proof which I believe should not be on the customers ( victims of fraud are not all cybersecurity technicians or a bank investigators ). My consumer 's rights have been repetitively violated when I was requested to submit new and different types of evidence which were always difficult to obtain. Bank of America should be liable for breach of regulation E and breach of contract when their customers are subject to unauthorized fraudulent transactions. Their fraud departments should investigate the unauthorized transactions instead of asking customers to produce burdensome legal evidence. I am submitting this claim as my last resort before pursuing legal action in a court of law.
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: 2023-11-09
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: Card was charged for something you did not purchase with the card
Consumer Complaint: I have around XXXX transactions charged to my Bank of America credit card that are all fraud adding up to over {$1000.00} I have called, emailed submitted fraud claims & been denied. I have screenshots Ive sent as to what charges were mine be what are not. Ive been calling & resubmitting these fraud charges over & over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 523XX
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: 2023-11-09
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Received emails that an acct was opened in my name and a trading account as well. Today I received a debit card in the mail. I did not open this account and have no knowledge of this account. I tried calling Bank of America and was on hold for XXXX. Have not been able to reach a live person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 488XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: About XX/XX/, a withdrawal was made from my checking acct. in the amount of {$290.00}. From the limited description, I did not know what it represented. I disputed the charge and Bank of America reversed the withdrawal. A few days later, I realized it was an annual deduction I always had paid. I told Bank to pay the merchant.Bank said it would take 7 days for merchant to receive money. Because I needed access to continuing education right away from the merchant and b/c I could not get money to merchant with a debit card ( card was rejected ), I charged {$290.00} on XXXX of my Bank of America Credit cards . I spoke with merchant ( I have used this merchant for a number of years ; ) I just did not recognize it was the annual fee b/c Bank did not provide clear description or name. of merchant when initial withdrawal of money had ben made.The merchant would have refunded the {$290.00} I paid the merchant using the credit card. XXXX XXXX, Bank withdrew {$290.00} described as temporary card reversal.but did not pay merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A