Date Received: 2023-10-29
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/23 I didn't know that a creditor placed a legal freeze and hold on both of my checking accounts and my daughter XXXX XXXX highschooler checking account. All of my money was taken and my daughter had nearly {$600.00} taken from hers. We could not pay bills, get gas, get food, pay our car notes, car insurance, and other things. My daughter is innocent and did not owe that old debt from XXXX XXXX XXXX, XXXX. The bank refused to give her back her money. This is not fair. I could mlnot pay for my XXXX and XXXX medication. My daughter needs her momey back! Bank of America did not notify us about a legal freeze ahead of time. A letter was posted to both of our accounts the day after the freeze on XXXX. My daughter worked for her wages and should get her wages back to her account. Bank og America sees her paycheck from.XXXX XXXX that is direct deposited to her account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/XXXX I was trying to access my account online but it kept giving me error message, so I call bank of America to let them know what's going on after I with XXXX employees and verified by all of them I'm pretty irritated, I ask XXXX was the name, is it necessary to go through all of this, all I wanted to do was get into my account online. She continues to ask questions and says I can't verify you, I asked why, she answers for security reasons I'm not able to tell you. I said let me speak to her supervisor and when the supervisor gets on the phone she tells me that my account has been blocked because she was not able to verify me and in order to get it unlocked I have to go into the bank to get verified. I asked her if she couldn't block it since she verified me too she said no she wasn't able to do that I told her that's a lie she says I am not lying so she's straight lied to me. Why do they have the ability to block accounts and when they get mad it's revenge for them to do that, they're not doing it for security reasons because if they were doing it for security reasons and I would have gotten phone calls letting me know that somebody's trying to get into my account but that is not what happens not at Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Hi, Bank of America closed my both credit cards without notice impacting my credit score, closing my longest credit card and affecting me. I call them and told me they sent a letter 30 days ago requesting information, I did not receive that letter and there is no notification on my accounts, website, app, nothing. I think is unacceptable for a bank to just sent a letter and in 30 days close an account when they have various channels to communicate and alert the users. They are telling me that this is permanent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023, at XXXXXXXX XXXX, I received an email about a balance transfer made to one of my Bank of America credit cards. That same day at XXXX XXXX, while the transaction still appeared to be in process, I called the bank and reported the transaction as fraudulent and asked for it to be stopped since I was not the one who executed it, and my call was timely, not an hour had passed since it was made. The operation still appeared to me in progress. The claim number at Bank of America is XXXX. The Bank of America Fraud Department has ruled twice that my claim is not valid because the transaction was executed using one of the devices connected to my home internet, which I do not accept as an answer. I use XXXX XXXX on my cell phone to access the bank 's mobile app, so it is impossible it was from my cellphone, and the amount of the operation is beyond my usual behavior as a bank customer, which is why I blame the bank for not protecting my interests against cyber fraud. The bank refused to recognize my case, listen to me, and give me the benefit of the doubt, so I went to the XXXX XXXX police in the state of Florida, where I reside, and filed a formal complaint under case number XXXX. The amount they scammed me is {$9700.00} plus a fee of {$290.00}. The original card was # XXXX. When I called to report fraud, this was canceled and I was replaced with the one that ends in # XXXX, which I also had to ask for to be replaced when I received an email informing me of a request to increase the limit that I did not want either execute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: About 2 months ago Bank of America XXXX XXXX XXXX bank account with about XXXX XXXX They closed my account and stated that they have sent a cashiers check via ups. After about. A week or two no check was received so I called Bank of America. They gave me a tracking number and I called XXXX numerous times finally I got through to someone and they said I had to file a claim for a lost package so I did. When I called to follow up after a few days I was told that I couldnt inquire about this package and only the sender witch would be Bank of America so I did. Bank of America representative said that the previous representatives that I spoke to were incorrect and escalated the situation. The supervisor or manager informed me that not to worry they will place a stop check order and would reissue a new check now its been roughly a month and a half if not more still no check. So I called back today this representative told me they cant do nothing I would have to still wait 120days and that they apologize that I was misinformed but theres nothing they can do. I have to wait 120 days and then they will resend it. My biggest fear is what If the check gets lost again do I have to wait an additional 120 days. I will loose my business by then. I already experienced great hardship over this and am at risk Id loosing my livelihood because I cant get access to my money. I need help and dont know who to turn to for help. They back is refusing to help me they say I must wait. Is this 120day hold legal what can I do about this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2023-11-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank Account Fraud Report Reference XXXX XXXXXXXX Incident Date : XX/XX/2022 Checking Account : Bank of America I opened an account with Bank of America for my XXXX XXXX XXXX daughter and instructed the personal banker to disable the option for over drafts on this account. If she doesn't have the funds in her account to complete a purchase transaction, then the transaction should be declined. My daughter lost her debit card for this account ; yet did not have any funds in the account. When I viewed her account status, there were several transactions of substantial amounts ( i.e. XXXX XXXXXXXX to {$4000.00} ) deposits and withdrawals in this account. My daughter does not have any means or access to this amount of money. I called the bank to close the account, yet was informed that I would have to transfer my funds into this account to clear the negative balance associated with these fraudulent transactions. Since the account had been compromised, I did not agree to my personal funds be used due to the unauthorized activity on a minor 's bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a claim to bank of america for unauthorized charges dated back 4 months. The customer representive start from XXXX and was working her way back to XXXX. For over {$5000.00} purchases. I wanted to put XXXX claim in but she put XXXX for XXXX months and said that the system was not letting her put XXXX claim in. She also said that I had a year to put the rest of the claim in. When I did they denied my claim. Anybody could see that over {$5000.00} worth of game purchases was not normal. When I called to see why my claimed was denied they said it didn't match the previous claims. I told the representative to put a claim for game purchases. She did that and also included card purchases that I didn't want to report fraud for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had an ongoing issue with Bank Of America ( BoA ) Bill Pay for over a month now. I opened a joint savings account for me and my wife to pay our credit cards with. Bank of America ( unlike all our other credit cards ) does not allow savings accounts for Bill Pay. I asked a BoA what I should do and she told me to add the savings account as a checking AND money market account on bill pay and the system would be fine. It turns out this was awful advice as it cause a fraud alert on the system ( trail deposits were rejected by my savings account as BoA had an account type mismatch ( calling it a checking/money-market when it was a savings account ). BoA has not disabled my Bill Pay and have prevented me from unlocking the Bill Pay. I am unable to add any new accounts to bill pay and I can not pay my credit card online or set up auto pay. Not allowing a customer to set up auto pay is a predatory process and BoA has offered no resolution on how to fix the issue. The only resolution I was given that could " possibly '' work is to send in a paper form ( or fax... who uses fax?! ) a voided check to prove account ownership. I can not send a voided check as this is a savings account... not a checking account which I told them over and over and over again. I sent documents proving proof of account ownership ( bank statement, direct deposit form, online banking screenshots ), but they stated they received nothing and it has been over a month since these documents were sent. They have no provided any verification that my online account will ever be unlocked and continually do not provide any assistance on fixing this issue. All I want to do is add the joint checking account to pay our credit card bills ... but BoA is making this impossible. They are requiring ANY new accounts to be added have to be mailed with a voided check to a random XXXX XXXX in Ohio... so i have to send my private account credentials to a XXXX XXXX in Ohio. They state I can still make payments over the phone ... which is not a simple and easy process and just makes paying my credit cards harder. They have made paying my credit cards a excruciating task and offer no assistance to fix anything. I have already sent them required documents and they have provided no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made purchases through my Bank of America account. Claim number is XXXX and XXXX Ive been having the claim open since XX/XX/2023 and XX/XX/XXXX. I order clothes and shoes didnt receive my order. I try to dispute transactions online and was having technical difficulties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98087
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/23 ( according to my bank statement ), someone withdrew {$2000.00} then withdraw another {$1300.00} from my Bank of America Checking Account at a GAS STATION for a total of {$3300.00}. As soon as we realized the money was gone ( the same day ), my husband reported the fraudulent transaction ( THEFT ) to Bank of America. Bank of America claimed that they would conduct an investigation and advised us to remove the remaining money in the account so that the thief could not have access to it. In accordance with Bank of America 's instructions, my husband promptly went to a Bank of America ATM and withdrew {$1000.00} ( approximately what we had left in the account after the fraudulent transaction ). We waited for Bank of America to verify and refund the money. However, instead of refunding us the money from the fraudulent transaction that they allowed, Bank of America advised that they could not " find anything '' and so could not issue a refund. They did this instead of addressing our complaint that THEY, " Bank of America '' were GROSSLY NEGLIGENT for allowing a {$3300.00} -NON-CARD WITHDRWAL AT A GAS STATION and therefore should refund us the money. They told us that we should try to make the complaint with Bank of America to see if a second investigation would cause them to " find something '' warranting a refund. We subsequently submitted several complaints to Bank of America-all of which were terminated without Bank of America refunding us our money or taking any responsibility for their negligence. After a series of denied fraud complaints, I went to the Bank of America branch in XXXX Florida and met the branch manager. she told also told me that Bank of America could not " find anything '' and also that there was no one from which to get the refund ( EVEN THOUGH THE MONEY WAS CLEARLY TAKEN AT A GAS STATION ) so Bank of America could not refund the money that Bank of America allowed someone to take from our account at a gas station. Lastly, it should be noted, that neither my husband nor I, have any history whatsoever of buying gas or spending in excess of {$100.00} at a gas station and so under no circumstance could it have been reasonable for Bank of America to believe that we were suddenly pumping {$3300.00} worth of gas.. Yet-Bank of America never contacted me nor my husband during or after the fraudulent transactions! It should also be noted that we never lost or misplaced our bank of America debit cards. It should be also noted that the transactions of {$2000.00} then {$1300.00} were two separate Non-card transactions and Bank of America authorized BOTH!. To date, Bank of America has failed to refund our money. We are two HARD WORKING people-just trying to make life. Perhaps to others, this may not be a big transaction, but for us-this loss caused by Bank of America , has caused devastating financial loss and problems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33825
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A