Date Received: 2023-11-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX card was declined by merchant and log on to account did not go through. I called Bank of America to get my log in changed and they had to repeatedly email the code to get password reset, because I didn't get the emails. When I was finally able to get logged into my account, my balance was XXXX short. I tried to transfer the XXXX of the money left in the account to my primary checking account and when I got the confirmation, I realized that it was an unknown bank account. I immediately called Bank of America back and was told they can not stop the transfer. Someone ( I suspect a Bank of America XXXX ) changed my password, stopped emails being sent to me from Bank of America, changed the account from automated transfers to my XXXX account to a different XXXX Account at XXXX Bank and withdrew money from it and also received the transfer I was making, thinking the money would go to my account. During all of this my password was changed repeatedly and the debit card was in my possession. I filed a police report and a fraud claim with bank of America. I kept getting rejection letters of my claim XXXX times, yet they refused to research my claim. The answer was always the same : " You or someone authorized by you to use your account verified the transaction prior to the funds being sent. No one has access to my account, no one was authorized to use my account or change my account settings and I have reported this repeatedly to Bank of America, yet my claim keeps getting denied. I can not afford to lose over XXXX. Claim number XXXXXXXX XXXX Card number XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Claim XXXX XXXX XXXXXXXX As you are aware, I fXXXX XXXX to identity theft, a distressing experience that compelled me to file a police report. Subsequently, I submitted this report along with my XXXX XXXXXXXX XXXX XXXX Bank of America, as requested, to substantiate my claim of fraudulent activity on my account. Despite my efforts to provide all necessary documentation, I have been met with continuous denials, leaving me in a state of disbelief and financial hardship. Bank of America NEVER sent me sufficient information or documents on why they continuously deny my claim. I am currently undergoing my third reevaluation process with Bank of America, during which I have provided all the relevant support documents. Regrettably, each time I have been denied the rightful refund of my hard-earned money. This situation has not only left me financially strained but also humiliated and dejected. I would like to emphasize that every transaction totaling XXXX on my account was unauthorized and made without my consent or knowledge. It is disheartening that my appeals continue to fall on deaf ears. I had placed my trust in Bank of America to safeguard my financial assets, and it is disconcerting to feel like the bank is, in essence, robbing me of both my dignity and my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America not giving any updates or information regarding my money being unavailable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/XXXX, XXXX, I called Bank of America concerning lower my credit limit and I spoke with XXXX and she told me she saw where my limit was decreased. I explained to her about the complaint I had filed on XX/XX/2023 and was told she could not do anything. I received a letter from Bank of America on XX/XX/2023, indicating why they decreased my limit because of the report from the XXXX XXXX credit report. My credit score they have is incorrect. They have it as XXXX and it has been corrected to XXXX on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29169
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 1. On XX/XX/2023 between XXXX XXXX - XXXX XXXX Pacific time I deposited {$1900.00} in my credit card account by the Bank of America ATM at the XXXX XXXX branch , state of California, zip code XXXX, ATM ID - XXXX. 2. The ATM has aten {$1800.00} and returned {$100.00}. 3. The ATM did not give any receipts or options for receipts. 4. I have called the number shown on the ATM to report a problem which is XXXX. 5. I had to wait by the ATM for around an hour just wait for a response from the call. 6. Case ID reference XXXX has been created by the phone by a worker named XXXX. I have been told it because it is Friday it will take up to 3 business days to reflect in my account, however, it did not reflect in my account. 7. I went to the same brunch and the worker from there had to call and been told still would take time to be resolved and that they could see there was an open case. 8. On XX/XX/2023 I contacted my bank by a phone call from XXXX XXXX - XXXX XXXX and another Case was created by a worker named XXXX case ID XXXX. XXXX has told me that the previous worker did not complete his job and that's why It did not reflect in my credit card account and that the previous worker should not have mentioned to me that it would take around three business days to solve this issue because it will take up to two billing cycles to be investigated and corrected. 9. On Sunday XX/XX/2023 I have received a letter in the mail from Bank of America that indicates they have completed their research on the ATM payment that I have asked about and according to the letter " Thank you for the information you have provided. Unfortunately, we didn't find a cash payment for {$1800.00} on XX/XX/2023 at the ATM you indicated. '' 10. On Sunday XX/XX/2023 at XXXX XXXX I contacted bank of America again waited for an hour just to be answered, then the employee XXXX had to put me on hold to reach the management, then she told me that she has submitted all the informations that I have provided to her and the back office who take care of the ATM payments are not working in the weekends and for that reason she is not able to give me a Case ID number. she has stated that if I want to get the Case ID number then I will have to call back the next day which is Monday, XX/XX/2023. Also, she mentioned that this time it will be rushed and it will take up to 3 business days to get a respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92651
Submitted Via: Web
Date Sent: 2023-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is in follow-up to complaint XXXX, which was already closed ahead of the XXXX XX/XX/2023 window because of my preliminary reply : I am pleased to report that I was finally able to recover the residual funds of the closed joint checking account of my wife and myself, thanks to the BoA staff at XXXX XXXX XXXX, where I eventually was permitted to cash my check in person on Thu, XXXX XX/XX/2023. However, the process to achieve this was anything but straightforward, and clearly dystopian : Effectively, BoA forced me, and my wife, former customers of 40 years of BoA or associated companies, to - physically travel to the XXXX ( a XXXX flight from XXXX XXXX XXXX XXXX - Absorb the costs of air transportation, lodging, and sustenance to recover funds. - Forgo use of money compensation ( eg, interest ) for the period between XX/XX/2023 and XXXX XX/XX/2023. - Accept the retuned funds as CASH (! ) ( rather than remitting funds to XXXX of my XXXX accounts )., as once again, BoA declined any options that would include remittances/wire transfer of the funds recovered to a USA-based account XXXX mine. The experience I went through revealed a string of corporate incompetence and doublespeak, in particular from the staff of the XXXX XXXX Department. BoA purports to operate in the name of safety, but firmly projects its corporate power disregarding health and safety aspects of its clients, e.g., by declining any forms of non-cash transfers to named XXXX accounts, and thus forcing me to spend days with a substantial amount of cash in the XXXX XXXX XXXX, without any option to dispose of this cash before being able to return to XXXX XXXX. My suggestion is that regulatory pressure is exerted to have BoA amend its policies to open suitable exceptions to prevent situations my wife and I were exposed to. Thank you, CFPB!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Trouble using the card
Subissue: Problem with a check written from your prepaid card account
Consumer Complaint: Bank of America has yet to reimburse the checks they let get confiscated from my account all im asking is for them to fix this situation I know my information was stolen Bank of America know that there has been a female whos not me that has been stealing funds from my account so far most of my funds have been returned besides my XXXX and my XXXX I want resolution im tired of complaining I just want my money returned to me in peac without all of this hassle I need my funds to live and take care of my business here at my home Im behind because of the lack of help from this bank its horrible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48214
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Bank of America Prepaid has made my life a living XXXX. Each time I call in, I have to go through a random verification process. Even though every single answer to their verification questions is accurate and remains the same, there are times they can't verify me. Because of this, they expect me to go to Bank of America when I'm sick and haven't left my home in months. I was advised that my replacement card was shipped on XX/XX/XXXX, and in order to get the status of my replacement card, I need to go into Bank of America. Again, I am not well, and my condition is only getting worse because Bank of America refuses to release my funds. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91107
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: In XX/XX/XXXX Bank of America Bank of America froze my card and put me in the fraud department and at the same time was told to keep certifying for benefits there's no holds or any thing like that with the EDD but from XX/XX/XXXX till XX/XX/XXXX all my certifications were paid through the EDD but the bank say they have no record of it and they keep sending me to EDD EDD says it's paid I need to go to the bank but they're refusing to give me my bfenifits.They are garnishing my wages they owe me roughly around XXXX they had made us homeless going on homelessness almost XXXX and XXXXXXXX XXXX years since this happened 3 years now and my daughter was removed they tried to terminate our rights as parents and the bank just keeps doing the same thing. They keep denying my claims and they're well aware that I didn't have access to the card. They sent me a compensation letter of {$780.00} telling me that they're aware that I didn't have access to my card and that's for any hardships I may have had and I can request more money. I have copies from the EDD showing all benefits were paid.The IRS says I made {$23.00}, XXXX but yet I've only received around {$7000.00} so we're trying to locate the rest .It 's been a real burden on us it's taking a tool on our health and my wife and my daughter I don't know what else to do I have a right as a citizen to collect any money from the EDD and that the government gave. Bank of America put me with the fraud when I first filed an initial claim and ever since then they froze my account and been taking all the funds that were supposed to be put on there what can I do to get it back thank you I still residing in a XXXX XXXX and I feel that they should compensate for denying my claims and garnishing my wages and freezing up my card when they gave me my card that I was told the money would be there but the money was not what can I do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90503
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A