Date Received: 2024-02-13
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I received a letter stating that my account would close in XXXX, XXXX, I have never applied for any credit cards with Bank of America, so this card was open by the bank with a XXXX credit line that has never been used it was opened in XXXX I never did a credit card application for this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: My friend was scammed. A Man who identified himself as a XXXX XXXX contacted her an requested money for an XXXX XXXX needed the money or he would be denied XXXX She contacted me an I XXXX the money XXXX XXXX. I contacted Bank America and I was told XXXX XXXX refused to return the money. Even though it was verified with the XXXX and a police report was filed XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30045
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: 2024-02-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Negative reporting without my consent privacy and consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
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: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Bank of America won't issue a replacement card and refuses to release my unemployment money! It's been XXXX months and Bank of America refuses to remove the block on my XXXX benefits card. I have almost $ XXXX on that card and am unable to pay bills, groceries and any necessities! I have been asking family and friends for help because of this form of abuse and have contacted the attorneys in XXXX XXXX who filed a class action lawsuit against BofA during COVID-19. My dog is XXXX ill and I can't pay for an emergency vet visit thanks to Bank of America placing a hold on my card! This is unacceptable and I promise that all XXXX will break loose, if he does NOT recover because I can not get him the help he so desperately needs! I am asking again for the uptenth time for my funds to be released and an expedited card to be sent out to my mailing address. I am going through XXXX XXXXXXXX and XXXXy, major financial distress and XXXX due to being unable to make my utility payments in time and buy food for me and my dogs. Bank of America has completely destroyed my credit score since I have been using my credit card to pay bills and have exceeded the limit already. Please help!! Time sensitive!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
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: 2024-02-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/2023 I was a victim to identity theft stealing my email address, username and password without my authorization on four separate online bank transfers to another checking account with routing number in total {$11000.00} that wiped me out to zero balance! I immediately responded to BofA fraud department that guided me through my online checking account and directed me to another bank acct where my personal funds were transferred to without my approval! It was then sent to BofA investigation department for review. My submittance was denied twice that I or someone else had authorized these unlawful criminal transactions in which I was never aware of! Therefore, its highway robbery in disguise!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95111
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: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: Set my B of A credit card account to automatic payments every month indefinitely. I received a notification from my XXXX subscription that my score had dropped significantly. Look online and no automatic payment to be found. I then process payment immediately and refer back to my emails associated with my account and see confirmations for automatic payments processed every month from XXXX but nothing for XX/XX/2024. There was also no email stating that automatic payments would end or be terminated. This to me appeared to be a system error but B of A did not treat it as such and instead penalized me for it. In the 12 years I have been establishing my credit, I have had no delinquency in my accounts. B of A caused a significant drop in my credit score and available limit. I went from a XXXX to a XXXX overnight. I will not take this lightly since your credit means everything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92377
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Paid off statement balance in full on XXXX2024. Was charged an interest fee of {$74.00} two days after paying off statement balance. Called Bank of America and was told they would review the fee on XXXX2024. Received email declining to refund the interest fee on XXXX/2024. Called XXXX2024, spoke with an associate and was transferred to a manager XXXX who explained that this interest is for the accrued interest for that month, that is not included on the statement balance, and that I should have called for a payoff amount to be sure that I paid off the interest. This is not stated on any of their statements or in the app when you pay your credit card bill. I believe this is incredibly misleading, as I thought interest accrued for the month IF the balance was not paid off and I understood that I should not be accruing paid interest when I paid off the balance that month. Again, no where is this stated that I can find and I feel this is another way of squeezing fees/interest out of people, even after they've paid off the statement balance on your credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80524
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XX/XX/XXXX I purchased a XXXX bottle of bleach developer from a store named XXXX XXXX. ( XXXX XXXX XXXX, XXXX TN. The purchase was processed on XX/XX/XXXX. I noticed that my card was charged {$160.00}. I disputed the charge with Bank of America and they credited XXXX back into my account. I thought that would be the end of the situation. On XX/XX/XXXX I saw that Bank of America reversed the credit. I called & they told me that I needed to show proof ( the receipt ). I told them I no longer have the receipt and asked what else could I do. They advised me to speak the merchant. On XX/XX/XXXX I spoke to the merchant in store. He told me that they do not keep record of transactions and theres nothing he can do to help me. I spoke with Bank of America again on XX/XX/XXXX. They provided me with transaction ID but are not willing to further investigate because I no longer have the receipt. The receipt had the correct charge of {$2.00} on it which I made BOA aware of. Ive been with this bank for 10 years. I would think they would be willing to further assist me after the merchant pretty much stole my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have an account with XXXX XXXX and I initiated 6 wire transfers through XXXX XXXX during the period XXXX XXXX. On XX/XX/XXXX i wired {$40000.00} to XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America , National Association : Bank addressXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Routing number XXXX from my XXXX XXXX account. XXXX claim number XXXX XXXX The above money was wired by me to this fraudulent account through a whatsapp scam. I already complained to XXXX XXXX XXXX to follow up with BOA to recall this wire. Despite numerous attempts, BOA didnt respond immediately and finally XXXX received a response as below XXXX XX/XX/XXXX, we received a message from the beneficiary bank stating the funds are no longer available for return. We initiated a wire recall request to Bank of America for {$40000.00}. We received a response from the beneficiary bank stating they need a Hold Harmless Indemnity Agreement to be sent. To follow up on the Hold Harmless Indemnity Agreement. XXXX asset trf team has already sent this when i spoke to chase on Thursday XXXX but there has been no communication from BOA. Appreciate if you could work with BOA to assist with this process so we dont delay any further the wire recall process and we end up not having any funds in that account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened my checking account ( account number XXXX ) online using the promotion code XXXX from BOA advertisement. Link XXXX XXXX XXXX XXXXXXXX It has been almost half a year and I'm still not receiving my promotional {$200.00} bonus. In the term it stated that the {$200.00} should be deposited into my account within 60 days of meeting the requirements. I met the requirements of {$2000.00} direct deposit on XX/XX/XXXX and the promotional bonus should be deposited by XX/XX/XXXX, which is not there. I contacted Bank of America twice. The first time I was told that I should wait 60 days which apparently is not stated in the offer terms. The second time on XX/XX/XXXX I was told the offer code can not be even found and the customer representative redirected me to a branch and refused to connect me to her XXXX or escalate the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77840
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A