Date Received: 2023-11-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23, I enrolled in a cyber security course provided by XXXX. The course was provided for free with the option of paying a fee to obtain a certificate for the course upon completion and passing an exam at the end of the course. I paid the fee to obtain a certificate at the end of the course. At the end of the course, there was no test to test your knowledge and skills so I advised XXXX that this was not part of the deal and feel scammed. I asked for a refund I recently filed a dispute with bank of America, however, my money has not been refunded
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bank of America account, Im XXXX XXXX XXXX and Im the Executive/Member of XXXX XXXX XXXX I have been dealing with all the deceptive practices of Bank of America and Im just disgusted by the level of fraud and corruption and how many Idiots actually can work at one company. The worst company by far is XXXX XXXX! But close 2nd is BofA. I got a response from the executive escalation team acknowledging everything and saying it will all be resolved in a couple days your checking account will be opened again and your XXXX dollars will be credited back and available to you. Well XXXX the specialist was a liar.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91106
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank of America left me stranded with no money whatsoever as they froze all my accounts on XX/XX/XXXX which included savings account, personal checking account, business checking account, debit card, credit card with no legal reason causing me emotional traumatic anguish in addition to telling me that they did not plan to ever release my funds. Although in complaining to Consumer Finance Bank of America finally released my funds weeks later, I firmly believe that Bank of American must compensate me for the mental anguish they put me through by leaving me with no money whatever in addition to destroying my business reputation as the business checks I issued prior to my accounts being frozen were not able to be cashed by the recipients and, consequently, I was threatened by the recipients to call the police because they felt I had given them back checks. I firmly believe that Bank of America destroyed my life by leaving me with no money whatsoever to spend for weeks and, therefore, they should be fined in addition to having them compensate for my traumatic stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Bank of america is not sending payment to the merchants and they were made that their responsibility. I have the proof my credit score will not be affected by this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In accordance with the Fair Credit Reporting Act, Bank Of America, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 ( a ) : It also states a consumer reporting agency can not furnish a account wthout my written instructions. 15 U.S.C 166b A. Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. I am not liable for this debt with Bank Of America. I do not have a contract with Bank Of America, they did not provide me with the original contract I requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11420
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XXXX XXXX MERRILL LYNCH Investments by their own admission, approved and allowed a fraudster allegedly by using my personal Identity information to open an account Merrill Lynch opened the account without my authorized permission as I never applied for any accounts at Merrill Lynch. I was never contacted by Merrill Lynch to confirm and by not properly vetting the application prior to approving the account. Merrill Lynch was incompetent and careless by allowing fraudsters to access my personal finances by approving this fraudulent account without my authorization and permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I HAVE A CREDIT CARD ACCOUNT WITH BANK OF AMERICA, THEY ARE SUEING ME FOR A RIDICULOUS AMOUNT OF MONEY IN WHICH I DID NOT CHARGE, EXCESSIVE INTEREST AND FEESPLUS MANY CHARGES MY FATHER MADE WITHOUT MY PERMISSION SEVERAL MONTHS BEFORE HE PASSED AWAY WITH XXXX XXXXXXXX. I HAVE CALLED BANK OF AMERICA SEVERAL TIMES AND SENT LETTERS TO THEM AND THEIR ATTORNEY TO EXPLAIN THE SITUATION. THEY KEEP TELLING ME THEY ARE INVESTIGATTING THE ACCOUNT. NOW IT HAS BEEN ABOUT THREE MONTHS AND THEY STILL HAVE NOT LET ME KNOW THE STATIS. I HAVE SENT LETTERS AND CALLED AND HAVE TRIED TO SETTLE THE DEBT WITH A OFFER FOR MY PART I BELIEVE IS MY LEGIT DEBT. STILL NO REPLY. NOW I SEE THEY ARE SUEING ME FOR THE FULL AMOUNT, WOULD LIKE TO EITHER WORK OUT A FAIR STTLEMENT FOR WHAT I CHARGES OR SEND ALL INFORMATION REQUESTED TO DEFEND MYSELF FROM THE FRUAD CHARGES. OR I MAY KNOW WHERE I AM AT TO POSSIBLY GO TALK TO A BANKRUPSY ATTORNEY. THANK YOU
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54729
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank did not make available to my family and I my hard earned paycheck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: In XXXX I filed a claim with XXXX Bank of America and my claim was denied but eventually reopened in XXXX but my claim has still been pending for 2 years. I call regularly and get the same answer.. my claim is pending, and that there is nothing they can tell me about time frame. This is unacceptable I need my claim to be resolved asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I first noticed an issue once a vendor informed us of a check we had written being rejected. As such I reached out to learn more. And after repeated phone calls to the bank via main contact phone number ( XXXX ), their departments for fraud and deposits ( XXXX, XXXX ), multiple representatives informed me they made a " business decision '' to close our account, and had made the account " deposit only '' for the interim. They refused to provide info on why they planned to close the account, and when the funds would be available to remove or that they would release said funds via a cashier 's check. They told me to refer to their deposit agreement for more info on their decision. Upon reading the deposit agreement, the only statement relevant to our situation referred to a XXXX day window from their choice to close it to when they will close the account and release funds. According to the Bank reps, they had begun that process on XX/XX/2023. I went into the local branch in XXXX where I spoke with XXXX XXXX, who also refused to provide any info on the account closure, or when the funds would be released. In a series of follow up phone calls on XX/XX/2023, they informed me they still not have completed their investigation, and that the account funds were still unable to be pulled out, with no timeline given. The bank has refused to provide any additional updates on this matter. They have not provided a receipt of their decision, so the timeline to when the funds are released is unknown. These funds are essential to our business and to pay back vendors for bills due, and we have not been given a reason or timeline regarding their closure of the account, and the subsequent release of the funds within. They refuse to communicate on their decision, and will not give any updates, despite being past the date of their own deposit agreement timeline. I am struggling to maintain business functions and the fact we have not been provided a simple response is frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95060
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A