Date Received: 2023-10-31
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2023, I received an email notification that the PIN had changed on the card for my unemployment insurance ( that I had not received ). The card had been placed in the mail, but I had not received the card. I immediately checked my account at Bank of America and saw that funds had been withdrawn. I called to file a claim for fraud, put a stop to the card and had another card issued. I was told it could take up to 90 days to review the matter. The following day, I received an email from ID Notify regarding a breach of my information. ID XXXX provided me with the individual that had accessed my information on XX/XX/2023. This individual is a Bank of America employee. I forwarded this information to Bank of America via email. I later found out that they do not accept emails. I called Bank of America on XX/XX/2023 regarding the investigation. At that time, I was informed that the claim had been denied. I requested any and all information and the file to be mailed to me. I have not received any mail on this investigation. The representative stated the denial had been mailed. I confirmed my mailing address. I have yet to received the denial or the file from Bank of America. I faxed the ID Notify and other documents to show that I was not involved in this fraudulent transaction and that the individual involved is a Bank of America employee. Despite the evidence, this claim was denied. I have experienced fraud by the very bank that provides a service through the government. This data breach is disconcerting, as it goes to show that not only was the data breach not taken seriously, but that other consumers are at risk of the same. This concerns Bank of America 's data governance and lack of concern for breach and transmission of data. This is a serious matter, as it goes directly to Bank of America 's risk of breach by potential hackers. Lastly, I reported this to the FDIC and they have responded that they have forwarded my complaint to CFPB. Attached is the correspondence regarding the PIN change, the confirmation that Bank of America had received my claim, and the ID XXXX induration regarding the data breach. Upon receiving the information about the data breach, I followed up with a search for the named individual and found that she is a Bank of America employee. My data was breached on XX/XX/2023, a day prior to the withdraw. The Bank of America employee XXXX is shown here : https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Deposits and withdrawals
Consumer Complaint: I was issued a check dated XX/XX/XXXX, by from a maker at XXXX XXXX XXXX XXXX in the amount of {$2500.00}. On XX/XX/XXXX, I endorsed the check, deposited it through via a mobile deposit into my account at Bank of America ( BofA ), and clearly marked the check as a MOBILE DEPOSIT. Records from XXXX XXXX XXXX XXXX reflect that the check was processed by that bank on or before XX/XX/XXXX. On XX/XX/XXXX, I was the victim of a documented theft wherein a thief broke into my car and stole a bag. Inside that bag was the above-referenced check. After numerous conversations with Bank of America staff about this issue, I was told that over twenty days later, the check was fraudulently cashed at an unknown XXXX XXXX ( XXXX ) location, presumably by the thief. That XXXX location paid out cash in the amount of {$2500.00}, notwithstanding the fact that ( 1 ) the person cashing the check was not me, the individual the check was made out to, and ( 2 ) the check clearly reflected the fact that it had already been deposited via a mobile device as it was marked MOBILE DEPOSIT. On XX/XX/XXXX, I received a letter from BofA stating that the check was returned unpaid, and therefore the amount of the checkthat had been properly deposited via mobile deposit months priorhad been debited from my account. I have since spent countless hours interfacing with Bank of America, XXXX and XXXX XXXX XXXX XXXX. No one is willing to take responsibility for the funds errantly taken from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90603
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: Fee problem
Consumer Complaint: Bank of America sent an email telling me that if I deposit XXXX and leave for 3 months, I should be getting {$500.00} but they never follow through with their advertisement. Actually I went inside the bank and spoke to the representative about the offer and the representative confirmed with me about {$500.00} reward. So, I made my deposit on XX/XX/2023. And when I spoke to them today ( XX/XX/2023 ) about my {$500.00} reward, they are telling me that I should have the deposited by wire not by check. I even talk to the representative from the bank when I was making the deposit by check. He told me I should receive my {$500.00} after 3 month. This is TOTAL FALSE ADVERTISEMENT from Bank of America. Appreciate your help with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied and received a credit card from Bank of America earlier this year. I was using it to purchase items from XXXX and XXXX different times they blocked my card saying they suspected fraud. The first verification was late at night here in Hawaii where I live. The guy asked me questions about my credit history and it was very confusing, so I guess I didn't answer them correctly. The next day I talked to someone else who was able to verify my purchases. Then when I went to use my card again I was blocked again. I had even set up alerts in case there was fraud. They blocked me again and this time they said I had to physically verify my identity in a Bank of America branch. I live in Hawaii and there is no Bank of Ameria branch. Then next thing I know my account is closed. I just talked to someone today and I can't even make payments online. I have to send a check in. I am very humiliated as I am a XXXX and I am XXXX and work full time making $ XXXX a year. I have no reason to commit fraud, and I just want my credit card to be reopened so I can use and make payments. I am hoping you can help fix this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96789
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: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: On XX/XX/XXXX, a reverse mortgage was taken by XXXX XXXX XXXX and on XX/XX/XXXX, that loan was assigned to HUD from Bank of America. On XX/XX/XXXX, the reverse mortgage was " PAID OFF and SATISFIED '' to Bank of America. On XX/XX/XXXX, Bank of America requested from HUD that the assignment be given to record a " Mortgage Release, Satisfaction, and Discharge ( " Mortgage Release '' ) '' on XX/XX/XXXX, and recorded in Official Records of XXXX XXXX as Instrument Number XXXX. Without notice, communication or clarity on XX/XX/XXXX, Bank of America rescinded by recording a " Recission of Satisfaction ( " Recission '' ) '' in the Official Records of XXXX XXXX as Instrument Number XXXX. There is evidence from Bank of America in the form of the series events that took place to record a " Mortgage Release, Satisfaction, and Discharge ( " Mortgage Release '' ) on XX/XX/XXXX. In addition, there is a " Satisfaction Letter '' from Bank of America that certifies the reverse mortgage was " PAID OFF and SATISFIED ''. Bank of America accepted our " third party authorization '' to release information pertaining to the " PAID OFF and SATISFIED '' letter. If it is a violation of privacy laws, then Bank of America broke a federal violation by sharing information ( e.g., loan information, satisfaction information ) of a deceased borrower. However, Bank of America states that it was an " unintentional or procured by mistake '' and it was a " unilateral mistake '' on their behalf, and this is the basis to " rescind a satisfaction of mortgage ''. It has been 6 months and Bank of America has not provided any information on loan balance, payment history because the reverse was " PAID OFF and SATISFIED '' on XX/XX/XXXX. Finally, there was a will that reflects the facts that the property was PAID OFF and SATISFIED and no money was owed to Bank of America. Please help us stop this fraud and falsified actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
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 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/XXXX, I received a letter from Bank of America for disputed amount from XXXX XXXX # XXXX for {$220.00}. I provided detailed letter describing how the merchandise was damaged, defective and not suitable for its intended purpose. The detailed letter explained why I was disputing the total amount {$220.00} as to how XXXX employee XXXX XXXX XXXX ID XXXX told me " I won't replace the items even if I was told to do so '' when I returned to the club to have the damaged items replaced for online order # XXXX in-club pick up on XXXX XXXX. The merchant declined to accept my return and issue a credit for the damaged and defective items not suitable for their intended purpose.by cancelling my XXXX membership and locking me out of my XXXX online account on Sunday XX/XX/XXXX during the period my claim for the disputed amount of {$220.00} was being researched by Bank of America. On XXXX XX/XX/XXXX, I called Bank of America claims and spoke with XXXX in XXXX XXXX as regards a letter dated XX/XX/XXXX from Bank of America denying my claim of the disputed amount of {$220.00}. I advised XXXX of my inability to return the damaged, defective items not suitable for their intended purpose as a result of my XXXX membership cancellation by the merchant in retaliation for filing a claim for the disputed amount of {$220.00}. Furthermore, XXXX corporate had advised that the reinstatement of my XXXX membership is contingent on the resolution of my personal injury claim under investigation by XXXX & XXXX from an assault by XXXX of XXXX security guards on XXXX XXXXXX/XX/XXXX. XXXX locked my online account. This further impedes my ability to return the damaged, defective not suitable for their intended purpose merchandise I purchased from XXXX and picked up in-club on XX/XX/XXXX. I am filing this complaint as the disputed amount of {$220.00} has been charged back to my credit card. Bank of America has denied my claim and disputed amount said to be in a hold position to be reported to credit bureaus for each billing period I do not pay the disputed amount of {$220.00}. I am extremely upset at this as it further adds to the damages I have incurred from XXXX improper business practices to include negative impact on my XXXX XXXX resultant effect from the assault on XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, damaged defective merchandise not suitable for intended purpose that XXXX employee XXXX XXXX XXXX ID XXXX said he would not replace even if he were told to do so and to XXXX XXXX XXXX cancellation of my XXXX membership and locking me out of my online XXXX account during the period the disputed amount of {$220.00} was being researched by Bank of America thus impeding and preventing my ability to return the damaged, defective merchandise not suitable for their intended purpose. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX declined to provide store credit in a phone call on Monday XX/XX/XXXX at XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
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: XX/XX/2023 around XXXX pm my BOA VISA card was stolen at LIFE TIME XXXX in XXXX, NC about XXXX pm BOA call me about XXXX dispute at XXXX {$640.00} at that time I found other XXXX credit cards ( XXXX, XXXX ) and BOA debet card were stolen. all of cards were canceled and received new cards and resolved the froud disput issue. But BOA VISA card is still saying I used the card at XXXX XXXX XXXXXXXX XXXX XXXXXXXX Crimes # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-01
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: Problem accessing account
Consumer Complaint: on XX/XX/ I bring myself to Bank of. America on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX california XXXX that is the Branch Where I opened mi account but is not the first time I go to this bank and the same person is Treat me bad I feel he discriminate me for some reason or maybe is like most of the Business that. People get ln the pl. Places to ask the employees to denied the Services to myself.or maybe they want to hide some information because I asked for Information about a email that I received Regarding a Some Account with XXXX XXXX XXXX XXXX he tole me that is not from bank of America and I told him that I received from bank of. America and he told me but we don't have any one from that company XXXX I Said So Where is one Location that I can get. Information and he told me on XXXX they have XXXX Speaker but at tha time was a guy from XXXX! was walking with a Lady and I look to. him and he told me he only speak English and I told him I do speak English and he told me you need appointment I ask for one lie give to me for today but I not feel comfortable don't think I go because he even told me that was no one to attended me but one of. the Associate come to ASK if we need help and he said No but he was thinking I don't understand English Even he device to another person he told him to come back in one hour Yes to denied me the Service
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: 2023-10-31
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: I visited XXXX XXXX XXXX, XXXX between XX/XX/2023 and XX/XX/2023. On XX/XX/2023 I was sitting outside of a restaurant at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX when a XXXX man drove by on his motorcycle XXXX times. On the third pass by, the man then snatched and grabbed my bag that was sitting next to me on my chair outside of the restaurant I was eating at. The bag contained my phone, wallet, and travel documents. Chasing after the thief was useless as he had already turned onto the XXXX XXXX of XXXX XXXX XXXX XXXX. I immediately notified the restaurant I was eating at that I had my belongings stolen from me and was told that they could do nothing about it but allowed me to return another day to pay for the meal since all of my money on hand was in the bag that was stolen. I then was told that the XXXX XXXX XXXX XXXX police station was only just down the road on the main XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX. I walked over to the police station and explained what had happened and was asked if I wanted to file a theft report. I insisted but then was informed that all police reports MUST be filed in the vietnamese language. I do not speak or know any vietnamese language so I requested a form of translation since I could not use my phone because it was in the stolen bag. The officers stated that " we are police officers, not translators '' to which I then requested that I would need to go back to my hotel to use my laptop to translate the report and file it. They allowed, and when I returned I filed the report. After filing the report, I then called Bank of America on the same day to report what had happened but realized that someone had already began charging every card that was in my wallet. I was charged over {$3000.00} in total, of that amount, {$410.00} was charged to my Bank of America checking account debit card. 3 days later, I returned to the XXXX XXXX XXXX XXXX to ask for a copy of the filed theft report and was told that they have no idea who I am or what I was talking about, saying that " if '' I did file the report then I still would not be entitled to a copy of the report as it is against their law. I was instructed that " if '' I did file the report then to wait and they will contact me if anything comes up. Then on XX/XX/2023, Bank of America notifies me that my claims for my checking account and debit card have been denied for the fraudulent transactions that the thief charged to my account. Very odd, since Bank of America 's policy is {$0.00} fraud liability and it is federal law that customers are not responsible for unauthorized transactions. Bank of America has not provided any proof for denying my claim besides saying that they are 'Unable to pay ' and that 'The charge was authorized by you or made by someone who has permission to use the card or account '.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
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: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am XXXX XXXX, had a checking account with Bank of America with, while I was in the country. I left the country before covid and currently settled in XXXX as I am working here and not in a situation to return in the near future. I received a letter from the bank stating that my account is inactive and if do not respond, the funds would be transferred to debt funds dated XX/XX/. I tried to contact the customer care support asking their help to close the account and transfer the funds to my account here in the XXXX, but despite hearing all my requests, they are not even 'able ' able to authenticate my identity. First, they said that they will send a verification code to my mobile number according to their records. Since I am no longer having the cell number which I was using while I was in the US, they tole me that I can update any of my known friends or relatives number, so that they can help me. I updated with one of my close friends number, but they denied it later saying that it it not even updated in the system. Later another executive told me that there is another option to send the verification code over my email. I updated my emails nd started getting notifications while they are still saying that it may take days to get updated in their end. Then another executive told me that my ATM/Debit card which is required to verification process can be couriered to my current overseas address if I updated it with system. They also told me that if it happens, the charges would be deducted for the account also. After updating my address and while trying to request for a new card, it was giving me option only to request for my credit cared and Debit card option had already been frozen. Once speaking to an executive over the phone and when requested several times, she transferred me to her manager and the manager after hearing all my stories pretended that she tried to help me but after a while she disconnected the line saying that I am not audible. I am herewith requesting you to do the needed so that my account may be closed herewith and the fund left remaining may kindly be transferred legally to my XXXX account. Details can be provided later on request. I do agree that we all come across different types of online scams and I am not to criticize or blame any of the staffs who attended my call. Thanks and Regards 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: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A