Date Received: 2023-11-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: As that darned commercial promised, I did get a hold of my credit report, and let me tell you, I'm beyond fed up with the glaring inaccuracies I found. It's maddening, to say the least, because I'm a responsible, on-the-dot payer, and I'm not about to let these blunders tarnish my reputation. I'm not in the mood for this nonsense, and I expect you to set things straight, pronto! I'm not here to exchange pleasantries ; I need you to roll up your sleeves and fix this mess pronto, just like your commercials lead me to believe you would. My patience is wearing thin, and I won't stand for these inaccuracies any longer. BANK OF AMERICA , N.A . XXXX. I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Getting denied at banks after bank of America which they froze my account with no explanation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93033
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: Deposits and withdrawals
Consumer Complaint: Bank Of America took funds from my personal joint savings account for personal, family, household use to cover a credit card from a business account. According to the FCBA this transaction is illegal. I intend to file a federal sue against BOA for these actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
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: Banking errors
Consumer Complaint: I got an email at XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX from Bank of America saying that I'm enrolled in Online and Mobile Banking. I tried to call multiple times this afternoon and couldn't get past the automated system and talk to a person because I do not have the account information. I tried to call the number from the email : XXXX and the number on their site : XXXX. Both were automated and only accepted the preprogrammed responses and had few options. I did not see an email I could contact them with and the email they sent was through this email address XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 567XX
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am a XXXX with residence in XXXX, I was a regular customer of Bank of America for about XXXX years until at the beginning of XXXX I received a letter indicating that this bank had decided to close my bank account and they sent me a check with funds equivalent to {$4700.00} XXXX which were my savings and sustenance. However, this check which was only in my name, was accidentally deposited in the account of a family member at XXXX XXXX on XXXX XX/XX/XXXX but was not processed. On XX/XX/XXXX, attach a letter with the return to maker information and a copy of the check. However, that check for the copy could not be deposited and I proceeded to call Bank of America again to ask for a new one but they told me that it would take XXXX business days, without informing me that in their system it showed as cashed and they will not send it again. This check never arrived and among various telephone calls and requests for checks, they informed me that it appears as XXXX and have passed through different departments to obtain a solution in my case because I do not have the money.I made a first complaint to the media in XX/XX/XXXX. To get a response to this complaint, I must waited XXXX days, and the result was negative, it did not proceed. In XX/XX/XXXX I traveled to XXXX to deal with my case in person at Bank of America branches. In this agency a second complaint was made, suggested by the bank agent and they were added as previously the refer to maker letter that I have but this complaint was also rejected. So I proceeded to call by phone again because I was not in the United States and the response I had was to go to an agency which was impossible for me because I didn't live in the XXXX it is expensive for me to do it several times. They did not care because all the departments told me that they couldn't help me and they could not give me information about where I get my money was. In XX/XX/XXXX I decided to travel to the United States making another monetary effort for me, for more time to go to the Bank of America and recover my money. The first time I went, they told me that they couldn't help me because this information is only via telephone and I had to do it myself they did no even try. I called again requesting a check again to the address where I am currently staying and the lady who assisted me told me that by going to an agency of Bank of America they would give me the information on where the funds for my check are located since they claim that Bank of America does not have them. So, I went to another agency again and at first the manager did not believe the information they had given me and said that it should be done over the phone again, which I objected to and showed my evidence and they decided to verify them. However, they told me that since it is a check from more than a year ago and that since I am no longer a Bank of America customer, they could not trace the money and they claim that Bank of America does not have the money but they can not help me either. say where it is or who has it. This, despite the fact that in front of me, a call was made with the representative of XXXX XXXX where they assure that the money is held by Bank of America because they issued a refer to maker that was never deposited again.
Company Response:
State: FL
Zip: 33178
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: Fraud or scam
Subissue:
Consumer Complaint: The issue .XXXX a scammer called me and had access to my online account, took {$2000.00} off a Credit card, {$500.00} from my savings.XXXX those were added to my checking account then issued a {$5000.00} wire transfer.XXXX The BoA people called with caller ID " Scam Risk ''.XXXX I don't answer, they left a voicemail there is Fraud on my account, and I needed to CALL THEM to confirm it was NOT me... ( I have the recording and transaction ) also, an email saying the same. I called XXXX minutes AFTER the scammer issued the wire from my account .XXXX BUT BOA had released the money .XXXX {$5000.00} .XXXX to a XXXX XXXX account and they said they had the last XXXX of the account. They said on XXXX XXXX XXXX They would have it resolved in 45 days. I had to take money out of my XXXX to pay rent. THEY DID NOT CARE and showed compassion when I call. I Sent documentation to them. I am a XXXX year client. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Introduction On XXXX XXXX XXXX Scammers wired XXXX out of my BoA account. I talked to BoA XXXX minutes after they allowed the wire transfer to a XXXX XXXX account. When the scammers called me, they had access to my account. During the call with the Scammer, BoA called me and the caller ID said Spam RisK so I did not answer. .XXXX XXXX XXXX The BoA Fraud Dept said they had the last XXXX of the XXXX XXXX account feel good about retrieving the XXXX. I asked if I needed an attorney, and they said that was my choice, but it shouldn't be necessary. The BoA security FAILED .XXXX in XXXX areas, which I documented to them ( and below ). The BoA Fraud department said they would resolve this in 45 days. Well? FAILED AGAIN They have NOT reached out to me proactively since the incident. They know they messed up. XXXX XXXX At the time of the Fraud : BOA Called and emailed, saying they would NOT release the funds until I called them back. I have voicemail and email BOTH stating that.. I called XXXX min later and they had released the funds. XXXX XXXX MAJOR SCREWUP Background Details ( attachments I sent to BoA ) are included. On XX/XX/XXXX, around XXXX XXXX, I was on a business call, and I was getting multiple texts from BoA ( that were actually scammers ) and a phone call .XXXX he was a scammer but said he was BoA, saying there had been a wire xfer on my account, which they suspected was fraudulent. The texts looked like the BoA text I normally get. XXXX XXXX They ( scammers ) asked me several questions. They were in my account already XXXX XXXX and they were telling me about XXXX transactions I had made in the last 3 days. They said my account was locked and not to log on. I didn't share my password or my ID. They obviously werent challenged for the login from a new Device. I got a call when they were still on the phone from an XXXX XXXX that said, " Spam Risk '' XXXX XXXX so I didn't answer. THIS WAS BOA Calling. XXXX XXXX The caller left a voicemail. I checked the voicemail from the " Spam Risk '' call ; it was BoA, saying they suspected fraud. So, I called them back and had them on the phone XXXX minutes after they contacted me and the wire transfer of {$5000.00} had been release from my account to a XXXX XXXX account. BoA has the last XXXX numbers of the XXXX XXXX account and feels good about retrieving the XXXX. XXXX XXXX To do this, the scammers got into my account, moved about {$500.00} from my savings account ( all that was in there ), and {$2000.00} off of a Credit Card Account to get {$5000.00} in my checking account to wire to the XXXX XXXX account. The BoA online account security FAILED .XXXX in XXXX areas, not to mention checks on the other XXXX accounts accessible from the same login. XXXX XXXX No checks or validation for any transactions the scammers made. I also tracked the number that called from a company based in the XXXX, which I found on XXXX ; none of the XXXX employees lived in the XXXX, XXXX were from XXXX. I provided BoA with detailed information about the calls from the number, the Texts that were sent from, and the timing of their callsall of it. XXXX BoA did NOT VALIDATE the receiving company Datacamp Unlimited # XXXX .XXXX The most frustrating thing is when I call the Fraud Dept or any BoA number. They answer, " Hello, XXXX XXXX, thank you for being a valued BoA customer for over 39 years ''. Really I am disgusted and a XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
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: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have been a customer of Bank of America for decades. I have been using their credit card to survive, but the interest rates are always too high. Many times over the years, as a good paying customer, I requested interest rate reductions and they always refused. I had to keep transferring balances. Im basically using the card for groceries and other living expenses. Now, I am on XXXX with limited income, and life is getting too expensive. I have been trying in vain for XXXX hours now trying to reach a human on the phone, and XXXX cant. I request callbacks and calls go right to voicemail and then I have to start the whole process over. This is absolutely unacceptable. I am trying to work with them to reduce my charges so I dont have to go bankrupt and they are not answering any phone numbers, and keep getting put on hold with outdated redundant messages circa 2005, when it was last this ridiculous to get a human on a phone line. It should NEVER, EVER take one many hours in vain to reach a live human in order to resolve an issue before it becomes a bigger problem. I also want all of the banks to do a cancel credit card interest debts for Americans like all the little rich college kids got their student loans excused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19135
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have an ongoing fraud case with all three credit bureaus, as I have several credit card accounts with fraudulent activity or accounts that simply aren't mine. Anyhow, representatives from Bank of America, one of the companies to which I allegedly owe about {$12000.00}, approach my house and threaten civil action against me and threaten to find me at my place of employment. Today, XX/XX/2023, they approached my XXXX XXXX and had her so upset that she had XXXX XXXX and had to seek medical attention. Their representative also went to several neighbors asking for my whereabouts. This is harassment in its lowest form, and it is now verging on XXXX abuse. I have reference numbers from my fraud case if needed. Please contact me whenever you need to. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: To whom it may concern, I have been trying to complete a Qualified Assumption with Bank of America for the last two months. The security interest in the house is mine as outlined in the Property Settlement Agreement. The deed has been updated with the county registrar. I've been making the mortgage payments since the divorce ( XX/XX/2023 ). I've proven sufficient income and have a high credit score. Bank of America has asked for an unreasonable amount of documentation and explanation for transactions on my accounts. Bank statements, Letters of Explanation, Retirement account statements, multiple transactions ( loan payoff/pay down ). Seems that no amount of documentation satisfies their demands. It is becoming increasing clear they do not wish to process the Qualified Assumption. I have to believe this is related to the interest rate of 3.5 % on the mortgage. I can provide dates and complete descriptions of the documentation provided. They literally have copies of every financial transaction as well as letters of explanation for everything that's transacted for the past XXXX months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66109
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have had a credit card for 7 years with Bank of America. A few months ago, my financial situation reversed and I started experiencing financial hardship. All my credit and loan accounts were notified. The rest of my credit cards ( {$12000.00} and {$15000.00} respectively ) are at 99 % utilization and behave as expected, you pay the minimum and the monthly payment goes down. This is not happening with Bank of America. My auto pay is set for the XXXX of every month and has been since I opened the card. In the last three months, the payment for the XXXX doesn't process on time, so the card keeps assessing a late fee on the XXXX, rolls in the financing fees for the next cycle on the XXXX and then processes the payment on the XXXX. This is the XXXX month this has occurred in a row. I have reached out to them 3 times to fix this because the payments keep increasing. This month the payment is {$33.00} over the sum of its parts. {$100.00} was due on the XXXX. + {$35.00} late fee assessed the XXXX, which they claim was not assessed. + {$160.00} finance charge assessed on the XXXX. The total amount should be according to what thier customer service rep told me, {$260.00}, not {$330.00}. I can upload photos taken today on my Bank of America app with proof they lied to me on the phone telling me that it processed on time and I wasn't assessed a late fee. If that was true it would have not included the next cycle 's finance charges in my payment which is currently being processed today, XX/XX/. It would have processed on XX/XX/XXXX and posted to the app on XX/XX/XXXX. Leaving the new cycle 's finance charge to be paid on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32817
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A