Date Received: 2023-10-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened Bank of America XXXX XXXX Banking checking account few days back. It end in XXXX. There was suppose to be an opening deposit of {$25.00} to open this account which i tried to deposit but it failed.Later I got one mail from Bank of America that they couldn't do that deposit transaction due to the fact some report from XXXX XXXX XXXX. No where in this letter Bank of America stated how to contact XXXX XXXX XXXX except a phone # where nobody was available during the regular business hours also. Somehow I sent the request to get my consumer report to XXXX XXXX XXXX. But I was able to transfer money from my XXXX account to this Bank of America XXXX XXXX Banking checking account. How come that is possible if Bank of America is deciding their decisions based on XXXX XXXX XXXX Something really going wrong in XXXX XXXX XXXX as well as 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: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to a Bank of America ATM and attempted to make a XXXX cash withdrawal. The atm gave me my card back and a receipt that said a restriction has been placed on my card due to expected unauthorized transactions. The recept also provided a phone number to call. I pulled off and called the number, having to verify some card transactions to reinstate my card. When I checked my acct the XXXX withdrawal was showing and not reversed!! I files a claim with banknof America and it was denied!!!!!! The camera will show that I did not receive any money! Only my card and receipt! I dont understand how my claim was denied. Where is my XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I applied for a new credit card at my local bank, XXXX XXXX XXXX XXXX, and they stated my application has been unapproved because I have multiple hard inquiries on my report. I do not recognize these hard inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: When I used my XXXX app to pay off my credits, Bank of America doubled charged me on XX/XX/2023 for {$500.00} * XXXX. I asked BofA to check the transaction, but they asked me to contact XXXX. It's obvious BofA 's fault to deduct the same amount of money twice in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98033
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: in follow-up to case number XXXX, referring to a missing deposit for 3 checks deposited in the Bank of America application for a total amount of XXXX where the bank responded that those funds will be deposited to XXXX XXXX since they were collected, in Following up on this response, I contacted XXXX XXXX and in the last conversation we had, she told me that XXXX XXXX had to request these resources so that they could be paid to them and once received, they would deposit them in my account. I spoke with a representative of XXXX XXXX. and I even went to a branch and they told me that they could not do that process and they could not claim those resources since they never paid them to me and that Bank of America has to deposit that money for me, I have tried to communicate with the person mentioned above but I have not had any luck in being able to contact her, so I request her intervention and deposit those funds that the Bank of America has in its possession and that legally correspond to me, attached sheet from the XXXX XXXX where you can see that they could not credit resources.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After reporting financial hardship XX/XX/XXXX during the XXXX pandemic I received a notice in XX/XX/XXXX that the account was closed. No additional notices were received up until XX/XX/XXXX when Bank of America made a report on my record which caused my XXXX XXXX to immediately drop XXXX points
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90805
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: A XXXX XXXX XXXX XXXX XXXX, and a XXXX XXXX card were all open under my name on XXXX, XXXX, and XX/XX/2023 respectively. None were by my consent or known by me. I have called all the companies except for XXXX since this just happened but plan on calling XXXX on Monday. It has affected my credit score and money was taken out of those cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received an email on XX/XX/XXXX from BOFA informing me of the account closure. I have paid regularly and am under my credit limit and have been a loyal customer since 2010. The email was so brief and weird - I thought the email was a hoax. I spent quite some time trying to get someone on the phone to figure out if I am the victim of some fraud. I finally did get someone on the phone and he was immediately very verbally abusive to me and told me, after placing me on hold multiple times for extended periods of time, that his supervisor would call me back. I felt like he was trying to provoke me into losing my cool as a means to use that against me in whatever BOFA is trying to do to me. I asked 'why are you canceling my account ' and he started yelling, 'do n't use 'you ' as it is not me and you are attacking me '. I told him - I meant 'you ' as " Bank of America '' and this isn't about 'you personally '. He talked to me like we we were a couple in marriage counseling - not like he was a customer service representative there to resolve my natural confusion after such a bizarre email from BOFA. So he asked me to hang up so his supervisor could call me back. So, I did hang up and, after waiting quite a while with no return phone call from his supervisor, I called back and after multiple attempts, finally got someone else on the phone who began to yell at me, even telling me she would hang up if I spoke. I was trying to ask questions as I remained super confused, even concerned there was some fraud that provoked this whole drama, but since she insisted that my asking questions is 'talking over her ' and she would hang up if I 'talked over her ', I let her continue while I remained silent. After I let her yell at me for quite some time, I finally asked if I may ask a question, she said she would only answer maximum 2 questions - which she really didn't answer. She just berated me, yelling " Bank of America WILL NEVER open an account with you again '' and told me that the company had sent me several letters and called me. None of that is true. Then, she hung up on me. So, I called back and after multiple attempts, I got someone on the phone who was actually very professional and courteous. She did confirm that BOFA never called or sent me a letter until that same day they sent this weird email - so she admitted that the previous representatives had made false statements on the telephone to me. She could not explain why they made this decision or what impact this would have on me. She did also agree it was weird that they did this since I have paid on time and been a customer for so long and am under the limit. I told her I do not appreciate the verbal abuse from the prior two reps, the false representations on the telephone about supposed attempts to contact me ( attempts she confirmed never happened ), and BOFA 's general lack of responsiveness or availability to discuss the matter after sending such a bizarre email. What do they expect? How do I know that this email is not the result of some fraud I don't know about? Isn't it natural that after receiving an email like that, I would call them and ask what happened? Why do they just hide and get verbally abusive when I finally get them on the telephone? I would like CFPB to ask BOFA why they did this to me, what this means in terms of them damaging my credit rating and/or demanding immediate payment of a balance and/or suing me or whatever else they may be inexplicably planning to do to me out of the blue with no warning. This whole drama caused me enormous emotional distress - I tried to explain that to BOFA and the first 2 customer service reps just upped the insults and the verbal abuse. It is totally weird and they should apologize for treating me in such a rude and unprofessional manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Our non profit company XXXX XXXX XXXX and XXXX XXXX has a bank checkings account with Bank Of America. We have had fraudulent charges/checks posted on the account since XX/XX/XXXX. There were three fraudlent charges made between XX/XX/XXXX and XX/XX/XXXX by the same person who we do not know, and while Bank of America returned two fradulent charges, they said we are liable for the 3rd fraudulant charge. We had immediately contact Bank Of America to alert them about these 3 fraudulent charges of {$1000.00} each. We submited an ACH form as per their instructions back in XXXX, XXXX. They have not responded or taken any action on letting us know how to reconsider this and they have given NO reason why we are liable for the third fradulent charge. We desperately need help because this theft has occured on a non-profit clinical research organization account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08901
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I am trying to get a refund for an account I lost access to and was being charged {$25.00} a month. I have been charged {$420.00} in fees and have not been able to access nor close this account. In XX/XX/2022 I tried unsuccessfully to get the fees reversed and gain access to the account by going in person. I continued to get charged {$25.00} a month and did not get the fees from XXXX resolved. I went into the office yesterday to talk to XXXX. She said she couldn't close the account and I would need another appointment and to return the next day. Today I spent an hour at the XXXX office talking to XXXX XXXX who said she couldn't " reverse fees even after talking to XXXX and Checking on the phone. I was then told by XXXX to escalate to you. They helped change the account to avoid fees and get a debit card to get access. I was told that I couldn't close the account if I wanted to get refunds though this practice had been used prior to extracting further funds. I would like to get my money back and stop being charged fees. I did not know how this process started but I believe it's related to an XXXX account. As such I am trying to settle this through Bank of America but will likely file complaints to regulators and the attorney general about my banking. For obstructing the closure of accounts and charging fees suddenly without consent and not allowing me to get funds out. This has gone on for many years now and I have never had this before except with XXXX XXXX and an XXXX account that the reverse course on promptly after filing. They also stopped opening accounts randomly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94043
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A