Date Received: 2023-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been receiving emails regarding someone elses Bank of America account. This has been going on since XX/XX/2022. Bank of America will not help me close this fraudulent account. Please help me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10128
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a check that was made out to me get stolen from my mail. The thief cashed the check at a Bank of America branch. I dont have an account at Bank of America and I wasnt in the city when the check was cashed. The bank is refusing to return my money that was stolen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have made a couple purchases with the Bank of America travel rewards that supposedly qualified for the " XXXX '', but were never redeemed. After several attempts to contact the bank for payout, they have repeatedly denied. The first one was a brake purchase made from XXXX XXXX totaling {$450.00} on XX/XX/2023. The selected XXXX should have given me {$41.00} back on the purchase. I complied with the requirements that were setforth by Bank of America, however because XXXX XXXX was recently purchased by XXXX ( this is publicly available information ), the credit card transaction showed up under XXXX. I still have the receipt for the purchase, and despite at least 5 calls in to Bank of America, they denied my claim and did not even give me a chance to send them the evidence that I qualified for the deal even though I asked them directly for an email address to send the receipt to. The second purchase was a XXXX subscription that I made through my XXXX device. I should have received {$16.00} back on this transaction. Similar to the XXXX issue, the transaction showed up as XXXX on behalf of XXXX. Bank of America also denied this claim because I made the purchase " through my XXXX device '', even though it was directly in the merchant 's XXXX XXXX app. In both situations, I qualified and complied with the terms and conditions of the XXXX to the best of my knowledge and ability. Neither purchase would have been made had I known that I would not receive the total {$57.00} discount. XXXX are quite clearly misleading to consumers and the bank needs to be doing a better job with honoring them or at least taking a little more effort in getting them resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33613
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 your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I called Bank of America and requested that an account that I NEVER APPLIED FOR OR RECEIVED! Spoke with Customer Service for over 15 minutes ( a picture of my phone conversation shows this ). I was told that the account would be closed in 24 hours. Then on XX/XX/XXXX, I received an email stating that the account would remain open until XX/XX/XXXX!! BANK OF AMERICA IS HOLDING ME HOSTAGE FOR AN ACCOUNT THAT'S NOT MINE FOR 2 1/2 MORE MONTHS!! I want this account CLOSED ASAP, I know that my request to close an account doesn't take XXXX XXXX months. ( attached is a copy of the email ). Also, Bank of America, stated in Case # XXXX ; that they were mailing their respond to me, FOR WHICH I NEVER RECEIVED! Why didn't BOA, send their response thru CFPB?? CFPB then closed my case which was VERY UNFAIR!! BOA THINKS THEY CAN DO WHATEVER THEY WANT AND CFPB ALLOWED THEM. I WANT THIS ACCOUNT CLOSED ASAP!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
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: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Hello. I would like to inform you that about 2 weeks ago Bank of America closed my Credit Account FOR NO REASON. It was a Secured Credit card account and I had {$500.00} of my own money as collateral in it. They DID NOT even return my money. But what irritates me the most, is that they closed my Credit Account for NO REASON in the first place! I have ALWAYS made 100 % on-time payments and I have NEVER used my credit card aggressively. You can check my credit history and you will see it yourselves. I was a victim of a scam with my checking account. I submitted a complaint ( complaint ID : XXXX ) to Consumer Financial Protection Bureau and you guys did a GREAT JOB, because Bank of America opened my checking account back ( which should have never been closed in the first place without any investigation ). So, now they have decided to go after my Credit Account, which is again absolutely UNFAIR and UNJUST. I have contacted Bank of America many times after my credit account got closed, but they never provided me with a single reason of why my Credit Account got shut down. With this matter I contacted their ( 1 ) Customer Service, ( 2 ) Risk and Closure, ( 3 ) Credit Accounts, ( 4 ) Fraud, ( 5 ) Complaint departments and NONE OF THEM PROVIDED ME WITH ANY REASON of my Credit Account got shut down. This is just a RIDICULOUS and UNPROFESSIONAL approach in any way look at this situation. In the attachment you can find the Credit Card Account Closure letter from Bank of America which I received a few days ago and you can see that they have provided ABSOLUTELY NO SINGLE REASON of why my account got shut down. Today I was checking the XXXX XXXX app. I realized that a XXXX XXXX was added to my Credit Report and that the Credit Score with XXXX HAS DROPPED FROM XXXX TO XXXX ( XXXX POINTS!!! ). THIS IS ABSOLUTELY UNACCEPTABLE!!! Why should I, my XXXX XXXX and History be affected by someones IRRESPONSIBILITY and UNPROFESSIONALISM?! I would also like to inform you that I have submitted a dispute on myEquifax as well, but the text limit on their dispute page is very limited, so I was only able to explain them the situation in 2-3 sentences. In the attachment you can find the ( 1 ) myEquifax Credit Report Dispute confirmation, ( 2 ) Screenshots from XXXX XXXX app and the ( 3 ) Credit Card Account Closure letter from Bank of America. Thank you in advance!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I went shopping on XX/XX/XXXX at the jewelry store, XXXX, located in the XXXX area oXXXX XXXX XXXX XXXX. While I was paying for my bracelet, a white man approached me and asked if I could resell my bracelet to him. He said he would pay for my bracelet through XXXX and would be willing to pay me an additional {$100.00} in cash as a bonus. we then made the transaction in person and he also showed me the receipt on his phone for the successful transfer. After a couple of business days, I confirmed that I received the money via Bank of America 's mobile app. In XXXX, I found I could not log in to my Bank of America mobile account. I went to the Bank of America office on XX/XX/XXXX to inquire and was told that my account was closed due to the risks associated with the above transaction. I was also told that the entire amount of this transaction, totaling {$2300.00}, would be frozen for no time frame. Over the course of the following month, I had numerous phone calls with multiple Bank of America departments. I was informed on XX/XX/XXXX that the amount of money involved in this case was transferred to me via XXXX different XXXX transfers by the person in question, the white man who purchased my bracelet, by way of embezzling from someone else 's XXXX bank account. Bank of America has returned this money to the original account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: After filing complaint XXXX the company closed the complaint and said they sent me the response directly but I have yet to receive anything and the last response was still sent to XXXX XXXX XXXX XXXX despite my address supposedly being updated several times to reflect the correct address of XXXX XXXX. Ive submitted documents showing that my sponsor has always had the correct address since starting my unemployment claim and that it has remained the same since, but XXXX XXXX claims she cant update my address without it being updated by my sponsor even though XXXX has my correct address and has contacted and escalated the issue with BOA at least XXXX times to correct the issue to no avail. My account still has not been credited and I have yet to receive the requested documents and statement. I want my funds immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Application No. : XXXX Bank of America is in violation of 15 US Code 1642 USC 1681m and 12 cfr 1002 because I, the consumer made an application in good faith, but credit was not issued. Furthermore Bank OF America violated 15 U.S. Code 1691 - Scope of prohibition It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction Furthermore, because my social security number ( credit card ) was used, and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Bank of America ( 15 U.S. Code 1602 ( p )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Dear sir, Recently, I received a letter from your companys branch office addressed XXXX XXXX XXXX, XXXX, FL XXXX ; even though it envelops suggested the different po box number address : Bank of America , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX . The letter indicated that I reported something with my Bank card ending XXXX as a request, even though I never reported and requested on it. Since I felt the strong will and necessity, I called the telephone number written on the sheet, XXXX, and I could not reach anybody. There was no sound another sound ; therefore, I will report to the federal. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: Please see the attached document describing how I was defrauded out of {$6500.00} by the Bank of America and one of their account holders for the purchase of a vehicle that never existed. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 400XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A