Date Received: 2023-10-26
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On or about the XXXX of XXXX, 2023, I received a Bank of America Credit card that I had applied for. It has a zero interest rate for one year. I tried activating the card, which went well, I then tried to use the card and it was DECLINED. I called the number on the back and talked with XXXX. He could not assist. I then figured out how to activate the card online ; however, when I tried to use it, it was declined. I could not use the card On XX/XX/XXXX, I logged in. Bank of America had enrolled me against my will into " online banking '' and created an account I did not ask for. I then went to a place in the website that said I could not use the card. I was told that I could not activate the card. I had to go in person to the bank to get the card activated. I could not do this because I am XXXX. I was in a hit by a car on my bike and XXXX XXXX XXXX. I was told that XXXX people are discriminated against. If you don't own a car or XXXX XXXX XXXX XXXX, you may not use the card. They told me I could download the app on my cell phone, and agree to be tracked and then they " might '' activate the card. I refused. Bank of America discriminated against me because I am XXXX and XXXX XXXX XXXX to the back to activate my card, and therefore I have been disqualified from using the BofA special offer. My credit score is XXXX I spoke with the following people : XXXX, XXXX ID # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91932
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Back of XX/XX/XXXX I applied for XXXX unemployment, I was told by the XXXX to keep certifying My benefits online, which I did as time went on I never received my Bank of America card. Its two years later I have not got anything, my card was used I made a police report and they still will not give me my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95330
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Bank of America has opened 3 accounts under my name since February. I know its them because they use my existing email and theres no activity on the account when I call in. When I call in to report it, the fraud department closes it and does no further investigation. I know this is their employees opening false accounts to reach sales goals. This is another scheme like XXXX XXXX. This is illegal and something needs to be done!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02703
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
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: I was recently fallen to a scam on XX/XX/2023 when thinking I was making a smart purchase on buying an XXXX XXXX online. The company is called XXXX XXXX 's XXXX 's. This was a legit transaction I handled as I read the card details to a man on XXXX This course is called XXXX XXXX 's in which I believe he has a chargeback management team scheme in where they ask Individuals to sign up for the course. They promise one on one training and they do not respond to your questions when you have. The course is a bunch of pre recorded videos in which he just milks and stalls the actual material of the course. Then proceeds to say to ask questions and ask for help as little as possible and to figure out the material on your own. As I realized that this was a scheme and they have fake management teams that fill in as certain positions to cover up, they deleted my messages after I tried to type in the XXXX chat on how this indeed was a scam. XXXX is unprofessional social networking site where people can go as usernames and anonymous. I initially charged a dispute against them, XXXX ( The owner ) had gotten angry and told me to delete the charges made against him and we could work out a potential solution. After I had completed what he wished, he proceeded to stall and completely ignore what I was trying to explain to him. These people are extremely advanced in scamming victims and have often have chargeback management teams that fight against claims that people make in which are true, but have cover schemes to show to the bank. I believe I have a right for this to be investigated properly by Fraud Investigation and can clearly see that this is corrupt business from this company. I have submitted a billing dispute providing screenshots and email receipts that were faxed to the Fraud Investigators for Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
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: 2023-10-26
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I had applied and was approved for XXXX XXXX XXXX issued by Bank of America. The reason WHY I got that card is so I and my child could use it while traveling abroad. On XX/XX/XXXX my child tried to make a purchase at the XXXX store in XXXX. Immediately I had received the following text message from BofA : XXXX : BofA XXXX : ..., your credit card ending in .... was used at : XXXX XXXX, {$2400.00}, Declined, XX/XX/05 Did you or ... authorize this activity? Reply YES or NO. XXXX : YES. - was my reply XXXX Your account security is our top priority. It is important that we speak with you. Please call Bank of America at XXXX XXXX XXXX I had dialed that number immediately. A very nice customer service representative had answered my call. I was asked what was the reason for my call. I was asked to confirm my identity. I was asked all the pertinent information like, my last XXXX of my social security number, the last XXXX of my credit card number, my phone number on file, my home address. After all that information was confirmed I was asked to log in into my Bank of America account via XXXX. The customer service representative generated a text message that had a link that I had to use to log in, so I got the following message. XXXX : BofA sent a verification link. If you didn't request it, don't tap. Call XXXX to protect your accounts. To continue, tap http : XXXX ... etc., I taped the link, got redirected, logged in, got a confirmation screen saying that my identity was verified and customer service representative asked me to wait a minute while the approval for transaction would go through. After XXXX maybe XXXX minutes, customer service rep apologized and notified me that there are more questions I need to answer in order to confirm my identity. I took a deep breath in and we proceeded. I was asked the following three questions : 1 ) What color is my car? XXXX ) What professional license I hold? XXXX ) What month of the year my niece was born? I had nailed all three questions and we both thought that that would be it. But wait, the fun part is coming. After another XXXX or so minutes and XXXX or so " I am so sorry '' from customer service rep I was dumbfounded with the following request. I was asked to go to the Bank of America XXXX with XXXX forms of identification to prove that me is me within the next XXXX to XXXX hours. The shock that I had experienced at that moment is hard to describe. I had opened the XXXX XXXX credit card so it could be used OUTSIDE of the US but in order for me to use it I had to go to the branch in the US with XXXX forms of ID to prove that me is me. I did ask customer service representative if that even sound reasonable or right or accomplishable? I did ask how is the bank expecting me to walk into the branch with XXXX forms of ID while I am traveling abroad? I got no answer. Not to mention that I have been charge an annual fee for the service that I am not been provided with. P.S. After an hour or so on the phone with a customer care representative I had received the following message : XXXX BofA Security : We've been trying to reach you about suspicious activity on credit card ending in .... and have sent text message and email alerts but we haven't heard from you. If you authorized this activity, reply YES ; if not, reply NO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/23, I received a deposit from CA EDD, in the amount of {$3200.00}. On XX/XX/23, I received an additional deposit from CA EDD, in the amount of {$390.00}. Between XX/XX/23 through XX/XX/23, I completed 20 transactions, totaling {$2300.00}. On XX/XX/23, I attempted to make an in-store purchase when my Prepaid Bank of America ( EDD Card ), was declined for insufficient funds. I tried logging in to the Bank of America Prepaid website to view my transactional activity, however my attempts were denied for invalid username and/or password. I contacted the Bank of America : XXXX XXXX XXXX XXXX and was notified that the email on my account had been changed from XXXX, to XXXX. My account email with my request and authorization, was corrected, resulting in the restoration of my online account. I logged in and a funds transfer in the amount of {$1300.00} had been processed, resulting with my account reflecting a {$0.00} balance. After reviewing my transaction statement, I calculated a total of {$1600.00} being stolen out of my account beginning on XX/XX/23, with the final XXXX transactions being stolen on XX/XX/23 ; four of which were online transactions to two random websites ( XXXX and XXXX ) and the other fraudulent transaction was the {$1300.00} fund transfer with the description reflecting : STATE OF CA EDD XXXX. On XX/XX/23, two claims were completed by the Representative on my behalf ; the first claim was for {$320.00} ; the other claim was for {$1300.00}. On XX/XX/23, I received a letter in the mail from the Dispute Resolution Service Department with Bank of America via USPS, stating that a claim for 14 fraudulent transactions was filed and received, and that a temporary credit to my account in the amount of {$320.00} which will post within two business days of XX/XX/23 was issued and that I would receive notification of their results once their investigation is complete. I never received those results. On XX/XX/23, I received a letter in the mail from the Dispute Resolution Service Department with Bank of America via USPS, stating that a claim for the {$1300.00} funds transfer was filed, received, resolved and ultimately denied. I followed the instructions on the letter and contacted the Dispute Resolution Service Department with Bank of America, to question why my claim for {$1300.00} was denied yet the claim for {$320.00} was acknowledged and approved, yet both fraudulent activities took place at the same time and some on the same days with all transactions coinciding with one another. I questioned how they could acknowledge one, and not the other and what basis were used to determine their decision. I received no answers but was notified that a request to re-evaluate my denied claim may be filed. On XX/XX/23, I filed the re-evaluation claim and also asked the Representative how a fund transfer of such a large amount is generally authorized and completed on an account. I was told that in order for a funds transfer to be approved, the account holder must contact Bank of America via phone, and personally request the transfer. The Representative had no call records indicating me calling to request such transfer, let alone any transfers at all, he could not disclose or verify any additional account numbers associated with my EDD Bank of America account, he could not verify the account these funds were transferred into, and acknowledged that it was suspicious that my email had been changed without my consent or prior knowledge. I asked the Representative what I could do, or what information I could provide to prove that I was not involved in the unauthorized use/transfer of the {$1300.00} from my EDD Bank of America bank account , and he advised for me to file a police report and to mail that report to PREPAID CARD OPERATIONS BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and to fax a copy of that report along with my Driver 's License to ( XXXX ) XXXX. Due to the description of the funds transfer reflecting STATE OF CA EDD XXXX, I contacted EDD on XX/XX/23 to ask if it was possible for them to retract funds from my account once the funds had been issued. I was told by two separate EDD Representatives, that once funds are paid out onto an account, they can not be retracted ; they continued that it sounds like fraud was committed to my account as fraudulent activity is a constant issue with the UNEMPLOYMENT and XXXX Departments at EDD, and that I should deactivate my current debit card immediately, request a new debit card, and file a claim. I did what they advised me to do. On XX/XX/23, I filed a police report with the XXXX Police Department ( report # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and on the same day, I submitted all requested information per instructions, to the Prepaid Card Operations Department with Bank of America XXXX On XX/XX/23 I contacted Bank of America, and it was confirmed that they received the information I provided. On XX/XX/23, I received a letter in the mail via USPS once again, from the Dispute Resolution Services Department of Bank of America, stating the re-evaluation on my claim of {$1300.00} had been completed, and that the claim was again denied. The letter stated that they based their decision on the information I provided, my account history and other information available to them and that they determined their decision was indefinite and that I had the right to request the documents that they relied on to make this decision. On XX/XX/23 and again on XX/XX/23, I contacted Bank of America to request the documentation that was used to determine the denial on my claim and on XX/XX/23, I received a letter in my mail via USPS from the Dispute Resolutions Services Department of Bank of America dated XX/XX/23. This letter stated that they were providing me with the documentation they relied on to make their final decision which consisted of one page referencing six transactions ; four of those transactions were from the fraudulent websites that stole {$320.00} of my funds that Bank of America acknowledged as fraudulent activity resulting in them reimbursing me ; one transaction was of the fraudulent {$1300.00} funds transfer, and the final transaction was a true transaction that I actually made. Please note that on the Bank of America Prepaid website, when selecting the option ONE TIME TRANSFER, I am given a notification that reads : NO LINKED ACCOUNTS : YOU NEED TO LINK AN ACCOUNT TO MAKE A ONE-TIME TRANFER. TO LINK AN ACCOUNT, VISIT OUR WEBSITE; which further verifies that I never authorized or personally made a funds transfer at no time previously or currently. If I did, they would have records of all prior transfers and the accounts in which they were transferred into, listed and available for review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92868
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: 2023-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made my XXXX check deposit from the US Treasury in the amount of XXXX. The deposit slip and teller said funds would be available in the morning. Once again they have extended the hold until XX/XX/XXXX. I realize they want everyone to go to direct deposit but I don't want to do that with this bank. I don't care for their business practices. This check is drawn on The US Treasury and also that amount is not enough for them to hold that long. They did the same thing last month. I dealt with one branch that told me they were going to put a hold on my check while the next teller over cashed a check for a fee for someone who wasn't even a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74112
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be deleted : BK OF AMER XXXX I dont have any knowledge of this account. Please have this removed immediately.
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: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Bank of America has breached the Fair Credit Reporting Act, specifically under Title 15 USC 1681, Section 602, which guarantees my right to privacy. Additionally, 15 USC 1681, Section 604 ( A ), Section 2 specifies that a consumer reporting agency is prohibited from providing information about my account without my written consent. Moreover, under 15 USC 1666b, a creditor is not allowed to label a payment on a credit card account within an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Under Federal law late payments are illegal to be added on consumer reports without being given an opt out notice. I was not given an opt out notice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A