Date Received: 2023-10-25
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: This is the second time I have reported this type theft to Bank of America. Someone I think has been using my personal information ( fraudulently obtain ) to either open or obtain personal accounts at Bank to America. I did reported the first incident them back in the summer they told me they would do something about it. But I think nothing was never really done. Two days ago on XX/XX/23, I received another email regarding an " Investment Account '' which is actually called, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). I called Bank America spoke a customer service representative, she told me they would put another block or alert again just in case something like this arises. I was advised to report this to reportfraudt.ftc.gov. Please advice! or investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20716
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Around XXXX my account became compromised and closed from the fraud. I accidentally fell for a scam that had me put {$2500.00} worth of invalid checks that would bounce. I was then asked to send the money to someone to help take care of their child 's caregiver. I felt like something was off and reported the fraud before the checks could bounce. I reached our to Bank of America to notify them of the fraud since their automatic system did not stop the deposit of 5 {$500.00} checks until after almost {$3000.00} was already scheduled to deposit. I deposited a valid {$1600.00} check from XXXX that they tried to tell me was a fake check. I've followed up for two months and Bank of America is insisting I pay for fraud I reported despite their coverage liability and inability to act. They have held my accounts in closure for two months and have not contacted me about the held funds. Despite contacting and asking for a time line or any future steps, I was told that I simply have to wait. And despite being a victim of fraud, they have yet given me any time when I may get the funds or when the accounts will close. I've been unable to open new accounts but can't use any other banking institutions due to their report on XX/XX/XXXX. Overall, Bank of America has not held up to their fraud prevention and have left me stranded in trying to find a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 013XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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: Bank of America notified us of fraudulent activity of a balance transfer trying to go through on our credit card. They stopped this transfer. At the same time we noticed another balance transfer of XXXX. That went though just a few days prior to t XXXX XXXX XXXX XXXX. We appealed this balance transfer twice. BOA said that our names matched the account at XXXX XXXX. I called XXXX XXXX and they had no accounts matching with our DOB, address or SS number. They could not tell me if there was an account with our names on it. World wide credit union. We did not do this balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 011XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Closing on a mortgage
Subissue: Closing disclosure or other related disclosures
Consumer Complaint: I went to bank of America and XXXX XXXX and established a balance. For bank of America the mortgage on the paid off house was XXXX and for XXXX XXXX the balance on the checking account was XXXX and savings account unknown for my deceased mother who passed away XX/XX/XXXX. They needed me to get court papers and a death certificate. I got those papers stating me executor of the estate. Now the banks are acting as if the accounts are non existent. Since then in XXXX I've been XXXX so I've been in therapy and now I just needed help accessing those finances. Please see attach document of the probate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11210
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I APPLIED FOR XXXX SHARE WITH XXXX IN XXXX. I GOT APPROVAL ON XX/XX/XXXX AND DID NOT RECEIVE ANY DEBIT CARD AS I WAS TOLD I WOULD. I WOULD CALL BANK OF AMERICA AS THEY ARE THE CARD PROVIDER BUT THEY WERE REQUESTING CARD NUMBER EVERYTIME I WOULD CALL. I COULDNT REPORT THE CARD LOST OR STOLEN SINCE I HAD NO KNOWLEDGE IF THE CARD WAS SENT OUT OR NOT. ON XX/XX/2023, I RECEIVED A LETTER FROM BANK OF AMERICA STATING I CHANGED THE PIN NUMBER AND LETTER WAS SENT AS A COURTESY/CONFIRMATION, IT STATED IF I DIDNT REQUEST AND SUSPECTING THE CARD WAS STOLEN TO CALL THE NUMBER ON THE DOCUMENT. WHICH I CALLED RIGHT AWAY, I NOTIFIED THEM THAT I NEVER RECEIVED MY CARD AND DID NOT REQUEST A PIN CHANGE. THAT IS WHEN I WAS ADVISED THAT {$500.00} WAS RETRIEVED FROM A XXXX XXXX. I STARTED A FRAUDULENT CLAIM THE SAME DAY, UPDATED ALL MY INFORMATION ON THE ACCOUNT AND WAS PROVIDED A NEW CARD WITHIN 2 DAYS. I WAS ALSO ADVISED TO WALK INTO A BOA BRANCH AND PROVIDE MY PHOTO ID SO THEY CAN DOUBLE CHECK THAT IT WAS NOT ME WHO RETRIEVED THE MONEY FROM XXXX AND IT WOULD TAKE ABOUT 90 DAYS TO GET A RESPONSE. ON MONDAY XX/XX/XXXX, I CALLED TO GET AN UPDATE TO CHECK IF MY PICTURE ID WAS RECEIVED AS THEY ADVISED. THATS WHEN I WAS NOTIFIED THAT MY CLAIM WAS DENIED. REASON I WAS GIVEN WAS THAT THE RESEARCH DEPARTMENT DETERMINED I GAVE APPROVAL TO CHANGE PIN AND RETRIEVE MONEY. I ARGUED AND INSISTED THAT I DID NO SUCH THING. ON TUESDAY XX/XX/XXXX, I ASKED THEM TO REOPEN THE CASE SINCE I FELT THE RESEARCH DEPARTMENT DID NOT THOROUGHLY CHECK. I CALLED THE POSTAL SERVICE AS WELL TO OPEN A CASE INTO MY MAIL BEING STOLEN. THEY WERE MORE HELPFUL THAN THE BANK AS THEY SAID THEY WOULD SEND ALL INFORMATION I PROVIDED TO THEIR FRAUD DEPARTMENT. I CALLED BOA AND PROVIDED THE CLAIM NUMBER FROM POSTAL SERVICE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90063
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had BANK OF AMERICA checking account ( Account # XXXX ) since XX/XX/2023. I had a lot of transactions with this account like debit card purchases and some check deposits. I never had problem with check deposits and it has been cleared all the time. My last check deposits was for amount of XXXX $ ( dated XX/XX/2023 ) from XXXX XXXX XXXX, I had deposited that check on XX/XX/2023. ( check # XXXX ) After completed deposit I got email from Bank Of America informed me my deposit check has been hold till XX/XX/2023 and my available balance will be delay, because they believed that check is not gon na be clear. On XX/XX/2023 I got another email from Bank Of America that informed me my amount will be hold until XX/XX/2023. I was ok with that situation because my account wasn't that old and they need to verify that check. But right ofter that email I tried to login to my Bank of America online account ad it showed my account is blocked. I called to Bank Of America to see reason of my account blocking and they told me they closed my account because of bad check, I ask what does bad check means and they told me the check issuer bank didn't verified my check and it is a fake check. I called to the company who gave me the check ( Check issuer bank is XXXX XXXX and the company name is XXXX XXXX XXXX XXXX ACCOUNT NUMBER... ... XXXX ) and told them the situation of me. After that the XXXX XXXX XXXX XXXX company sent me their checking account screenshot picture proof my check was cashed from Bank of America. I have proof the Bank of America has been cashed the check from XXXX XXXX XXXX XXXX. on XX/XX/2023, and they never deposited to my account. They don't let me login to my Bank of America and no body answer my questions. I need resolve this problem get my XXXX $ money back and reopen my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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: XXXX XXXX XXXX XXXX XXXX, XXXX TX, XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX Subject : Unauthorized Charges and Unresolved Issue with Bank of America Dear Sir/Madam , I am writing to seek assistance and resolution regarding an ongoing issue with my Bank of America credit card account. On [ mention the date when you ordered the {$4.00} basic subscription service from XXXXXXXX XXXX ], I subscribed to a {$4.00} basic service with XXXX XXXX To my surprise, this subscription was later upgraded to a {$250.00} premiere subscription without my consent or request. I immediately contacted Bank of America to report this unauthorized charge and requested assistance in resolving the matter. Unfortunately, instead of helping me, the bank agent I spoke with canceled my credit card without issuing a new one. As a result, all the recurring payments linked to my credit card were left unpaid, causing financial disruptions and inconvenience. Following Bank of America 's investigation, I was informed that the unauthorized charge was considered valid. This decision is deeply troubling as the charge was made without my consent and in violation of my original agreement with XXXX XXXX My attempts to resolve this issue with Bank of America have been exceedingly frustrating. I have spent considerable time on the phone, often navigating automated systems and being transferred between departments. On XX/XX/2023, I devoted over four hours to this matter, and despite assurances that my case would be reopened, I have seen no progress. I think that Bank of America does this to frustrate customers so much that they just give up. I also think that something needs to be done about it. I kindly request the Consumer Financial Protection Bureau 's intervention in this matter. I believe that my case warrants a thorough review to ensure that I am not held responsible for unauthorized charges on my account. Enclosed with this letter are copies of relevant documents. I am also ready and willing to provide any further information or documentation that may be required to investigate this matter thoroughly. I appreciate your prompt attention to this issue and your assistance in resolving it. Please do not hesitate to contact me at XXXX if you need additional information or clarification. I look forward to a resolution that is fair and just. Thank you for your time and assistance. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76226
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I noticed huge amounts of money fraudulently withdrawn and transferred from my Bank of America accounts. I immediately called Bank of America and reported the {$9800.00} fraudulent transaction while it was still processing. They told me they had frozen my accounts and that the money will be returned to my account. My father, ( who is a co-owner of the account ) came to the XXXX XXXX branch on the same day the fraud happened ( and the fraud transaction was still processing ) on XXXX to report the fraud and freeze the account. He spoke with XXXX XXXX, and XXXX assured him that the account was already frozen and the fraudulent transaction of {$9800.00} will be credited back to the account. On XXXX the fraudulent amount was credited back to my account as ( insufficient funds ). Firstly, the fraudulent transfer failed due to insufficient funds in the bank account. On the same day, I received a message from Bank of America will attempt to send the money again on XX/XX/XXXX, which does not make any sense since I had already reported the fraudulent transaction to Bank of America, and they assured me that the account is already frozen and the money will be returned back to the account. In the letter, it says, if you do not take the required action, we may cancel this payment. I immediately called Bank of America and told them that it was already reported on XX/XX/XXXX as a fraud, and they need to cancel it ; they said not to worry because the account is already frozen and assured me the {$9800.00} will be credited back to my account. I have a call recording of this call and every call with the bank since I reported it as a fraud and will provide them when needed. On XX/XX/XXXX, the fraudulent transaction was sent again to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, the {$9800.00} was credited back to my account as returned of posted check/ item ( received on XXXX ) ( insufficient funds ). On XX/XX/XXXX, the fraudulent transaction was sent to XXXX XXXX XXXX for the third time, which is absurd. I immediately called Bank of America and spoke with XXXX while the transaction was still processing, she told me this is the final attempt to take the {$9800.00} and that the money will be credited back to my account within two business days. On XXXX This fraudulent transaction was ( cleared ) and sent to XXXX XXXX XXXX XXXX although I reported it as a fraud as soon as I saw it, and it was still processing, and they told me it will not be processed since the account has been frozen since XXXX I went to the XXXX XXXX branch. I asked for documentation the bank relied on to come to this wrong decision. They sent me a document that claimed I paid from XXXX XXXX, California, with a totally different IP address and network provider. So, they are telling me that the account email was changed, {$9800.00} transferred fraudulently, and all the way from XXXX XXXX, California all in one day, and this is claimed to match my account history and it was legitimate? My account history never had a transaction from California, an IP address from California, or a XXXX network provider. Also, I have never made such a huge wire transfer that basically drained out my bank account before. So, what is the Matched Account History claim about? This is an extreme level of fraud-enabling actions and negligence from the Fraud Department XXXX In addition to that, at the exact same time the {$9800.00} fraudulent transaction was made, there was a fraudulent balance transfer of {$5200.00} from my travel credit card to a XXXX XXXX Card ( The Credit Card Fraud Department claimed it was transferred to an account under my name which is absolutely wrong and rejected my claim THREE times which I proved them wrong by providing a reference letter from XXXX XXXX of all my credit cards history since XXXX, in which none of my two XXXX XXXX credit cards matched with the card that the Credit Card Fraud Department claimed to be mine. I won the claim, and the fraudulent balance transfer was credited to my credit card. However, the bank enabled the {$9800.00} fraudulent transaction to be cleared, did not stop while it was still processing, and still claimed that this transaction was legitimate. I have all the documentation saved, and every single call and meeting recorded that proves their extreme fraud-enabling actions, level of negligence, broken promises, false information, and inconsistent responses from each and every one of them since the day I reported this fraudulent transaction. From XXXX XXXX XXXX I spent countless hours in the local XXXX XXXX XXXX and worked with the branch assistant vice president, XXXX XXXX XXXX. He called the Checking Fraud Department and said, they told me they are waiting for XXXX XXXX XXXX XXXX to return the money. I have all meetings audio recorded and will provide them when needed. On XXXX XXXX XXXX I sent a detailed email regarding this case to XXXX XXXX XXXX XXXX XXXX - Fraud Investigations at Bank of America XXXX and XXXX XXXX XXXX XXXX President of retail Banking ) in order to have a final update from the bank of whether they will take this case seriously or not. I got a call back from ( XXXX XXXX a bank customer service agent who said they will reconsider the case. On XXXX XXXX XXXX XXXX Since they have not updated this case, I sent an email requesting to get an update so I can plan ahead for pursuing this case. I have not received a resolution from them since then. The bank also was extremely neglect and delayed my request to get all the documentation they relied on to get to this wrong decision. After literally 6 calls from the branch relationship associate, XXXX XXXX XXXX, they did not provide the documents. The branch assistant vice president, XXXX XXXX XXXX tried enormous times to call the Checking Fraud Department, but they did not provide the requested documents. I went home and after 7 calls, I was able to get the request processed. The last information I requested which is the full fraudulent account number with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have all the fraud transaction information given to me by the bank and I will provide them when needed. The Fraud Transaction Name, IP Address, City, XXXX, Network Provider, and Account Number as Provided by Bank of America Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since the bank enabled the fraud transaction to proceed, made false promises, and did not solve this issue, I called XXXX XXXX XXXX XXXX XXXX XXXX and gave them my full name and my full social security number. They said there is nothing under your name and social security number. I asked them for a documentation of this to print but they said we can not print or give any documentation to you because you do not have any purchases or account with us, however anyone can call us on your behalf by your permission and give us your full name and full social security number and we would confirm that there is nothing under your name. All of this information was provided to Bank of America but unfortunately, they enabled the fraud to proceed and gave me broken promises. XXXX XXXX XXXX XXXX XXXX me their Fraud Control contact information for more help. I contacted them for the documentation, they said Unfortunately, we would not be able to assist with your request. You will need to report that with the fraud department at the banking institution in which the withdraw was from. They will be able to decline the charge and credit back your account. Thank you, Fraud Control. I will include these emails to the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48127
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: Dear Sir/Madam, I hope this letter finds you well. I am writing to formally dispute a late payment entry on my credit report, specifically pertaining to my credit card account with the details mentioned below : Account Name : BANK OF AMERICA Account Number : XXXX Account Type : Credit card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Paid, Closed Status Updated : XX/XX/XXXX Balance : N/A Balance Updated : N/A Recent Payment : N/A Monthly Payment : N/A Credit Limit : {$6500.00} Highest Balance : {$7000.00} Terms : N/A Payment History : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met : 30 Past due 30 days : XXXX Payment history guide : 30 days past due as of XX/XX/XXXX Balance Histories : XX/XX/XXXX : {$33.00} Scheduled Payment : {$33.00} Paid : {$0.00} on XX/XX/XXXX Additional info : As of XX/XX/XXXX, your credit limit/high balance was {$6500.00} Contact Info : Address : XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number : ( XXXX ) XXXX I wish to bring your attention to a 30-day past due notation from XX/XX/XXXX, which I believe has been inaccurately reported on my credit profile. I want to emphasize that I have made full payment towards this credit card account, and I possess the necessary evidence to support this fact. According to the provisions outlined in 15 U.S. Code 1637 - Open end consumer credit plans ( C ) Payments at local branches. If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment. To substantiate my claim of full payment, I am prepared to provide documented proof, which includes a copy of the payment made at the Bank of America branch, as well as any other necessary documentation that demonstrates the complete repayment of my debt. Additionally, I possess video evidence of the transaction that took place at the bank branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was applying for a bussines checking account with my previus bank and i was not able to do it because a company called XXXX XXXX XXXX XXXX did not approve me to open the account, i asked for the report and the report says i am in the range to open the account and i do not understand if i am in the range why i was not approved,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32714
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A