Date Received: 2024-02-14
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: this will be the 3rd attempt to get my application retracted. bank of america continues to ignore my request to retract my application. i have left several messages and have received no response. they have discriminated against me and withheld my access to my securities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78214
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: First and foremost my name is XXXX XXXX and I am an XXXX XXXX XXXX out of California. I've been in many high profiled movies and made many contributions in my field, I am also married to XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Two weeks ago I was told I would have full access to my account on XX/XX/XXXX and they lied to me and now they're telling me I have to wait another2 weeks. I don't know what shenanigans is going on but I need help The reason for me to explain all my accolades and accomplishments is because I feel I am being taken advantage of by my financial institution and I am afraid I am at risk of getting my account closed and they will steal money from me, I've been in this situation before in XXXX where me and my lawyer XXXX XXXX had to go to court and file a lawsuit against another financial institution because money was stolen out of my account which I won my case. Now my problem with my financial institution is I deposited a check for {$50000.00} and hours later they disabled my account due to fraud. Which is highly offensive because all I wanted to do is move money from one bank to another. I was responsible to send a letterhead from my bank to Merrill Lynch to be on the safe side to prove I had the funds available. This is the I explained all my accolades because XXXX XXXX XXXX XXXX and will never commit any fraud, I work hard for what I have and to accuse me of fraud without iota piece of evidence is not right. I just want to get this situation rectified first before I initiate a lawsuit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91302
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: @ Merrill Lynch, through my pervious XXXX XXXX, I have a Non-Qualified Deferred Compensation Plan. On XX/XX/XXXX, I along with all others who have this plan lost access to our Account. Access to this account was lost for over ~2 months. Every time I called Merrill Lynch, we were told that they were having issues a third party that maintains the system for them. This money in this account ( I have large amount in it ) is invested in securities that move with market. So for well over 2 months, I did not know where I stood with my account. The company said, they could give me my balance, but to request details I needed to submit a request. Finally after waiting XXXX weeks, I requested a detailed report showing my account balance and how my valuation was changing with the market. I never received this report. Then just recently on XX/XX/XXXX I receive a report saying the XXXX party maintaining this system for Merrill Lynch had a data breach and that my account along with all others could have been compromised. The letter along with the approach taken by Merrill leads me to believe that Merrill is distancing themselves from their accountability and their fiduciary responsibilities. This is one of the most egregious problems I've seen and actions by a financial company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91320
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX XXXX XXXX I opened up a checking account with Bank of America. Before opening the checking account, I also had XXXX credit cards with Bank of America all set up for XXXX from an external Bank account. I also moved over my assets to become a Bank of America preferred rewards member. After I got home, my autopay on my three credit cards no longer worked. I called Bank of America and was bounced around to several different departments. One rep claimed I needed to wait a month for my credit cards statements to post. So I waited a month. The problem was not resolved. I then went in branch in early XXXX XXXX XXXX. I talked to XXXX people in person who claimed to " reset my billing system ''. They told me to wait XXXX hours and I could set up autopayments again. I waited XXXX hours, and was still unable to set up autopay. I then called BofA XXXX last time on XX/XX/XXXXXXXX XXXX XXXX to explain everything that had happened until this date. They then reset my billing again, I waited the required XXXX hours and were STILL unable to solve the problem. Today is XXXX XXXX XXXX I have tried everything I possibly could. Now I would like to get the CFPB involved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I filed previous CFPB complaint XXXX. That complaint was closed with NO REAL REPLY FROM BOFA and certainly not within an acceptable time frame. Instead, I received correspondence directly from them indicating they were having trouble finding my account file. Then, purportedly after they finally found the account file, they replied directly indicating they had fixed the problem. THAT WAS AND REMAINS A LIE! Not only did they NOT FIX the problem, they insured that incorrect address was propagated with EVERY OTHER CREDIT BUREAU in the business. The real reason they could not find my account file is because they have resurrected an old illegal scheme they got caught in which turned XXXX a HUGE CLASS ACTION suit against them which they lost! That suit against them was regarding account sequencing which they have also done to my account. When they do account secquencing not only are normal account filing practices NOT followed but since they can not find the account, they insure NO REGULATOR CAN! This way if they ever prevail in collecting the account they do not report that additional income. CFPB NEEDS TO THOROUGHLY INVESTIGATE THIS ADDITIONAL CLAIM AS WELL AS FORCE THEM TO REMOVE THE KNOWN IMPROPER ADDRESS THEY HAVE INSERTED INTO MY ACCOUNT WITH ALL KNOWN CREDIT BUREAUS! This constitutes an ongoing form of illegal harrassment. I continually receive phone calls from people wanting to purchase the property in XXXX, OK that I DO NOT OWN AND NEVER HAVE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 740XX
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently applied for credit after my complaint ( case number XXXX ) was closed a few weeks ago. The Bank of America ( BOA ) agent informed me that my revocation had been removed and corrected. However, when I reapplied, I was denied for the same reason. This situation has led me to believe that BOA may have acted appropriately, but it also appears to be in violation of the abovementioned complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85254
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Bank of America has refused to remove the delinquent status of a closed account. An account that was closed over 4 years ago! They have repeatedly harassed me and will not remove this fraudulent claim which has affected my ability to get credit and re-finance my home for 4 years!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34652
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Subject : Complaint Regarding Delayed Availability of Deposited Funds at Bank of America Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America regarding the delayed availability of funds deposited into my account on XX/XX/2024. On the aforementioned date, I deposited a check from another account of mine into my Bank of America account. At the time of the deposit, I was assured by a representative of Bank of America that the funds would be available for use by the next business day. However, upon reviewing my account information the following day, I discovered that Bank of America had placed a hold on my deposit for a period of five days, until XX/XX/2024. Upon further investigation, I confirmed that the check deposited into my Bank of America account had already been cleared from my other account. Therefore, there was no valid reason for Bank of America to delay the availability of these funds in my account. I demand that Bank of America immediately release the hold on my deposit and cease the practice of using customer-deposited funds without the explicit permission of the customer. This delay in fund availability has caused undue inconvenience and financial strain on my part. I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that Bank of America complies with regulations regarding the timely availability of deposited funds and respects the rights of its customers. Thank you for your attention to this matter. Sincerely, XXXX XXXX
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: 2024-02-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: my privacy rights are being violated in multiples ways. Accordings to 15 U.S. Code 6802 - obligations with respects to disclosures of personal informations, this company is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( i ), utilization and payment historys are experiences with the lines of credit that was extended between the consumer ( ME ) and the person, Bank of America, that is making the report. Congresses clearly states that the reporting of transactions or experiences between the consumer and the person making the report is not included on the consumer reports! This has had a majot negative effect on my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I opened a Bank of America Travel Rewards credit card in advance of my trip from the XXXX to XXXX XXXX. Before leaving, I double checked what I needed to do to inform BOA of my upcoming trip, and they said I was " good to go '' since they have done away with travel alerts. After a few purchases, my card was shut off for fraud. I called, spent hours on hold, finally verified the transactions, and reactivated my card. Immediately upon making another purchase, my card was shut off again. This time, after hours on hold, I was told the only way to verify my identity is to go to a physical BOA location. I asked them how I can do that while I'm XXXX XXXX and they said, " that's a really good question. '' Now I am stuck in a foreign country trying to survive on what little cash I took out when I landed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A