Date Received: 2023-10-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I've been waiting I've been waiting about over two and a half years or close to that for my claims my dispute to be resolved. Bank of America is in charge of the banking for XXXX which is a prepaid card that I was assigned I filed a claim for the whole account they still owe me well over close to {$10000.00} they're just sitting here playing today every time I call it's pending provisional credit or still under maintenance and it seems like it's never getting out of that stage and they keep on doing this thing called reconsideration over and over and over again. I'm homeless living in the tent on the side of the freeway lost my family because of this and it's just me and my emotional support dog and we don't have much food but on the money sorry for me to work cuz I've XXXX XXXX with XXXX and I have nowhere to live because I can't get this money and there's an issue due to the fact that every time I call they all got to do something different to say and why if and they keep denying the claims and reopening themselves what's the point of doing that. Also I sent in documentation one was a police report and the other was a handwritten letter of statement of facts that I wrote and they were attached to the claims but it seems like I can never get I mean you know not enough evidence ever works for them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Today, on XX/XX/XXXX, at XXXX XXXX, I received a call from Bank of America number XXXX, which number I known because of the call from XXXX XXXX ' at first. We conversed regarding XXXX, which I had much problem due to the disappearance of my business website and email portal and still could not provide any solutions on these matters. Yesterday, I received the call from XXXX XXXX, whom I mentioned previous report regarding Resolution matter connecting your organization, CFPB. In today 's call, XXXX called me about the issue conflicting with my credit card ending XXXX. Since I was tired at that moment, I finished this call just acknowledging it. Now, I wonder she mentioned the card was closed in XXXX, even though I remember I saw the information of it until the beginning of this year and actually, I received a gift card by changing its reward to it and used it at XXXX XXXX. I can check the date of purchase, if necessary. And I received a email from XXXX, one purchase was denied, so I checked XXXX and found out other items in question were purchased by the credit card ending XXXX. I believe the card ending XXXX is usable to purchase my subscription item of XXXX, I will use as a payment method. However, still, I can not see the credit card information ending XXXX and want the replacement card, still. In short, why can I not see my credit card information, even though the charges are made at XXXX?
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: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: BANK OF AMERICA IS REPORTING AN ACCOUNT NEGATIVE ON MY CREDIT FILE AND SHOULD NOT BE THIS IS ON MY XXXX CREDIT FILE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Bank of America has a one star ratings from other consumers including the XXXX website and I relate as to why that is. I have contacted Bank of America Customer Service and Disputes/Fraud Department multiple times regarding some issues on my credit card. I have been unable to have those issues resolved therefore, I closed out my account. Since then, Bank of America is restricting me access to my account including, my unresolved charges. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78526
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America is saying that I had a late payment of 30 days late. I contacted them and they couldnt find that I was ever 30 days late, but this is still on my credit report. I made a payment of {$100.00} ( min was only {$38.00} ) on XXXX ( due date $ it was returned, on XX/XX/12 I made the minimum due payment of {$38.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77583
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: 2023-10-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed this card on XX/XX/XXXX and was charged the annual fee for next year, XX/XX/XXXX to XX/XX/XXXX. When closing the card I was told by the representative that the fee would be refunded pending a request by the BofA team. I received a statement on XX/XX/XXXX with a balance of {$95.00}, which was the annual fee. When I called Bank of America on XX/XX/XXXX, I was told by the representative that this was denied without any explanation. This card is now closed within the year it was open, and I would like a refund of {$95.00}. This is standard industry practice. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: Bank of America sent a prepaid XXXX card describing a refund from XXXX XXXX XXXX. There was no information about how much was on the card and there was a number to call to get a check issued instead. When i checked the card online, it said it was closed. When I called the phone number to get a check issued, I have been transferred all over and now i am being told that their systems are down? These cards are a total scam and should be stopped. The fees to even check the balance are listed. Bank of America should be stopped from issuing these.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
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: My partner and I were ready to depart from a XXXX on XX/XX/23 from XXXX, XXXX. He had a XXXX on the ship, 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 On XX/XX/23 the merchant charged my card for {$5400.00}. I contacted the credit card company and disputed the charges ( lost three times ) as I never received a statement of the charges. On the ship I used my card for incidentals ( other purchases ) but was not expecting a medical problem and to charge my card for my partner 's medical expenses. We have travel insurance and could get this reimbursed but they are asking for a copy of the medical report and itemized bill. The merchant told me only recently that they sent this information to my partner 's email and due to HIPPA can provide it to me. My partner is unable to make his own decisions now and can not access his own email to access the information. I believe this is unfair to me considering I am already traumatized and now financially being charged this amount with interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: In XXXX of this year 2023, Bank of America decided to close my credit card, saying that it was a unilateral decision on their part. When I checked, they took away all my points earned in the rewards program that they offer, something that almost reached {$2000.00}. When I called on several occasions they told me that they could not do anything, since they had decided to close the card and the points were lost, I opened a claim and they answered the same thing, however they told me that I had to pay my credit card as much. as soon as possible so that it does not affect my finances, it seems to me that if I earn my points using the card as they say, it is not fair that they decide to keep the reward, however, as I said before, it must be fully complied with with the payment to them, I was finding out and investigating where I could complain until I managed to get this excellent page where I can leave my problem and I think you can help me
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: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Starting in XXXX some fraudulent charges started appearing on the checking account that I share with my XXXX XXXX XXXX daughter ( which was not the first time this happened ). They were rejected by Bank of America but it was getting my daughter confused about the security of the account. Then, on XX/XX/XXXX, someone called using Bank of America 's XXXX number ( must have been a spoof number ) and said he was with Bank of America and that there was a lot of fraudulent transactions on the account, including XXXX transactions. He convinced my daughter to XXXX {$1000.00} in 2 separate transactions to " herself '' when it really was a scam and it was his phone number. Sh e lost a total of {$2000.00}. We called Bank of America the next morning, on XX/XX/XXXX, to report the XXXX scam. Bank of America temporarily credited her account on XX/XX/XXXX with {$2000.00}. They said that they would review the situation and make a final decision after 45 business days. After 45 business days I called Bank of America ( on Wednesday, XX/XX/2023 ) and asked them for a final determination, as a pending credit is useless if the bank is just going to take the money out at some point. They acknowledged that it was over 45 days but that they were having trouble getting the money back from XXXX, where the scammer must have had an account. I pointed out that, from online articles, it appears that they were reimbursing customers for this kind of impersonation scam and it shouldn't depend on what the other bank agrees to. The customer services agent said that she would have an analyst look at it and I should call back on Monday, XX/XX/XXXX. When I called back on Monday, XX/XX/XXXX, XXXX, a different customer service agent, acknowledged that the 45 day review period was over but it still hadn't been resolved yet. I told her it was completely unfair for the bank to hold this past their 45 day review period and how would it ever be resolved. She apologized but offered sort standard boiler plate responses. I am very disappointed in Bank of America 's lack of support and feel like they profit handsomely from XXXX but aren't willing to cover even the fraud cases they indicated they would cover.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A