Date Received: 2023-11-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was informed on XX/XX/XXXX, by email that my Bank account password was changed. I then called Bank Of America and I was informed that someone tried to use my information to deposit fake checks into my account. I was told I can report it to fraud department but nothing can be done. I went through the fraud department then I went online to open a new checking account due to this situation not being my fault as well as being scammed. I was also told the location of where they tried to deposit which is nowhere near me due to school and the transaction history shows me using my debit card in my city XXXX XXXXXXXX XXXX on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard inquiry from Bank of America on XX/XX/XXXX XXXX XXXX that I did not authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 062XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Hello, i desperately need your help. In XXXX, a friend of mine, gave an order to Bank of America ( XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX ) to send me an amount of XXXXXXXX XXXX to my XXXX. A fee of XXXX XXXX was needed, so i payed. After that i was told that an international transfer needs a minimum of XXXX XXXX So i payed again. Then they told me, i need another fee to pay. So i did that again. I was promised to receive the money but nothing happened. In the next months they needed fee after fee, because they always told me there were problems with the servers, etc. Every payment was via XXXX and through vendors. At this moment i payed about XXXX $ to this branch and i still don't have my money. I tried to find a agreement, but the employees are not willing to do anything. Instead they want me to pay more money and can not even guarantee the success of the transaction. I am missing XXXX $ at this point and nobody is able or willing to help. I wasn't told about all these possible complications in the beginning, it was absolutely intransparent and they promised me to do the transaction several times, but they always had new reasons for new fees. I also tried to cancel the whole transfer, but that also was rejected. Because my residence is in XXXX i can not visit the branch personally and Bank of America doesn't answer me because i am no customer. And the only contact-possibilities i have are Gmail-Accounts. Please help me!!! You are my last hope. You can reach out to them via XXXX or 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: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have a car loan with Bank Of America since XXXX. On XX/XX/XXXX I make a payment by phone to Bank of America since I did not want to incur in a late fee. I give them my Bank routing number and my account. I receive a confirmation number of the payment ( XXXX ) over the phone. I pay my XXXX loan fee at the beginning of the month as usual. At the end of XXXX I receive a letter from them dated XX/XX/XXXX saying that they did not receive my XX/XX/XXXX payment and now I have an added XXXX $ late fee to payment. I called XXXX to straighten out the mistake and, after XXXX hour of speaking with different representatives and finally a supervisor, I find out that the XXXX payment did not go through because they wrote the incorrect account number ( the supervisor, I finally spoke to, verified the routing and account and saw the error ). They then took my on time XXXX payment, which I usually round up to XXXX instead of the XXXX $ required, as the late XXXX payment and then they tell me that I am late for my XXXX payment as well and I have to pay a late fee on that as well. Note that they sent out the letter for the late XXXX fee way past the 10 day grace period and they did not notify me before that that the payment did not go through. They wont reimburse the late fees right away, although it's their mistake, and I even have to pay the late XXXX fee over the phone. They say that they are going to reimburse me the late fee and detract them from my principal balance. They have a specific " Late fee Department '' which you can not talk to or email since they told me they do not have a phone or email and I have to wait to see if they detracted the fee in my next statement. They do not complain if I pay them a bit above my monthly fee, but they can not give me the XXXX $ back right away when they made a mistake and make me spend XXXX hour on the phone with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10710
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023, there are 3 fraud transfer made on my account XXXX XXXX XXXX XXXX XX/XX/2023 {$2000.00} XXXX Claim denined by bank of america ( XX/XX/2023 claim denied ) XXXX XXXX XXXX XXXX XX/XX/2023 {$6500.00} XXXX Claim denined by bank of america ( XX/XX/2023 claim denied ) This one resolved XXXX XXXX XXXX XXXX XX/XX/2023 {$4300.00} XXXX Resolved - Credit Permanent Please help me get my money back Police complaint XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am minority owner that provides affordable housing in XXXX XXXX. Each month Bank of America place holds on rent checks of minority tenants for AN EXTENSIVE PERIOD OF TIME because they pay rent by United States Postal Money Orders. 100 % of rent we receive by tenants by United States Postal Money Order are XXXX or XXXX. As test I deposited two checks on XX/XX/23. One was a US postal money order. The other was a private check from a XXXX bank account. A hold for over a week was placed on the postal money order. While the tenant believes they are providing certified funds for prompt delivery to landlord, Bank of Americas policy necessarily causes a negative impact on minority tenants and minority owners servicing the affordable housing market. Bank of America says their policy is JUSTIFIED because the post office takes too long to pay. This is utter nonsense because fir clearing funds in deposit each day is simply a function of coding This code has a direct discriminatory impact and has ABSOLUTELY NO BUSINESS PURPOSE. Bank of America has a legal obligation to respond to complaints of discrimination. On my recorded complaint it said it did not have to provide a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Rewards I've contacted the customer service department for bank of America a few times and each time they said something different like it takes 30 days from purchase date and were waiting on the company to send it back and it will be there on XX/XX/XXXX and now they tell me that I had to click on a special link to receive my cash back not only the rewards button in the app that said active
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America has had my business account under XXXX XXXX frozen for over 4 months. The bank hasn't sent a single correspondence explaining why the account was frozen or provided a resolution to resolve the issue. Instead, they have told the account is under investigation, in closing procedure and there's nothing I can do about it. This is unacceptable. There is a significant amount of money in that account and this is affecting my family 's and my own livelihood. I am desperate and lost. I need your help to pressure Bank of America to communicate with me and to let me know what they need to complete the investigation and release my money. I did not commit any crime and I've been treated as such by this institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was sent a fake letter in real BofA letterhead stating I owed {$16000.00} in credit card fees. The letter used a real BofA hyperlink that redirected to another fraudulent website. It also used a real BofA address from a BofA Commercial Card Team. I didnt call the number but have attached the letter below. Of note, the letter was left on my doorstep and not in my mailbox.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was charge thousands of dollars online from A website.. It clearly was fraud.. Most claims was filed separately ( more than 1 claim number ), but the bigger one was denied.. How did all my claims get resolved and refunded but the bigger one, when it all came from the same merchant?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A