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: I have been disputing a fraud charge with Bank of America since XX/XX/2023 ; the claim has been denied twice. Attached you will find a timeline of actions taken and supporting documentation. Sadly, I know exactly what I was doing the day of the fraud charge. My family experienced a death by XXXX at approximately XXXX XXXX on XX/XX/2023 ( the day of the fraud charge ). I made phone calls to family members, ordered food, made a delivery of food to the parents of the XXXX victim, and spent most of the day at their home. I can provide witnesses that will attest to these facts and my phone records will show the calls I made that day. I appreciate any help you can provide in disputing this fraud charge. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 187XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Every month BOA is charging me a late fee although I make my payment on time. Bank of America is committing fraud every single month!!! I have tried to contact them to resolve they either hang up on me or state the charges are correct although i have proof every single month that i pay on time and they charge me a late fee every single month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have attempted to order check books for a checking account that I had opened over a year ago. I went into the bank to request check books and was told they will not help me, that I must order them online or on a phone app. I attempted to do so numerous times. The only thing it permits me to order are deposit slips. I have a checking account. I have submitted complaint to you the CFPB and got no help in obtaining chek books. You need to do something to fine this institution. I m not requesting that you become a walkie talkie and send messages between the instituion and I. There are laws. I have a right to obtain checks, and bank of America refuses to permit me to order checks. I just did a modification on the mortgage on my home. I need to have payments automatically deducted from my account each month starting on XXXX first. I am unable to set up electronic deductions as I need to send a voided check to my Mortgage company. I am being charged a monthly fee for over a year now and have recieved lousy service from a bank that REFUSES to order me checks, REFUSES to permit me to order them online but tells me I must order them online. I am now unable to set up auto pay for my mortgage, and if I lose my home due to this, I will sue this institution and possiblly the CFPB for not doing anything to force this institution to permit me to have a siingle checkbook. I will not accept a phone call from a bank representative telling me that they will email me instructions on how to order checks. I am not stupid. They are!!! They have no link to order checks. They only have a link for deposit slips, and they REFUSE!!!!!!!! To change that. They REFUSE!!!! To permit me to order checks at the bank. They REFUSE to permit me to order checks over the phone, and they REFUSE! to permit me to order checks online. They charge me a monthly fee, and they REFUSE! to provide me the service that I pay for. I want every fee I have been charged since opening this aaccount returned to me!! And if I do not recieve a checkbook in the mail, by XX/XX/XXXX. I will shut down this account and press charges for refusal to provide a service that I have been paying for for over a year. I am fed up and I don't want any representatives from this institution to call me. They had better send me an email, and confirm that they have mailed me a checkbook. Nothing else is now acceptable. They need to be fined for this as well. This is mys econd complaint to you for this exact same reason, and you closed the account. However, the XXXX of this institution never satisfied my request for a checkbook. And I will continue to bother you until you bother them and fine them, and someone gets fired for not doing their job, and not honoring the contract to provide me with checking account services. They have charged me a monthly fee, yet they have not provided me with a service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08096
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: Managing an account
Subissue: Banking errors
Consumer Complaint: A {$4500.00} counterfeit check was deposited at a Bank Of America California branch into my account, they had mistakenly credited my account and I have used the credited funds accordingly as it was a payment, the funds were withdrawn from my account after BOA realized this check was counterfeit, I had made every attempt possible to gather as much information as I can possibly can in order to better assist them on their investigation, today XX/XX/2023 almost 90 business days since the date I originally filed my claim which was XX/XX/2023 I received a letter from BOA stating that I did not suffer any loss
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Trouble accessing funds in your mobile or digital wallet
Subissue:
Consumer Complaint: On XX/XX/23 I was sent money to an alternative email address that I do not have attached to my XXXX profile. When adding that email address to my XXXX profile in the Bank of America app/website, I am given a message claiming that the email address is invalid and can not be used with XXXX. I was able to add this email to my Bank of America Online Banking account, but unable to add it to my XXXX profile to receive funds to that email. On that same day, I had reached out to Bank of America to assist with adding the email. However, I was told that because of the situation involving XXXX, I would need to contact them as XXXX XXXX Bank of America is " a self-service portal '' and gave me the number to contact them, but because of the time of the day ( past XXXX ), I was unable to contact XXXX that day XXXX When contacting Bank of America again on XX/XX/23, they further said I was not able to add it due to it being a XXXX error and once again had prompted me to contact XXXX instead. When contacting XXXX on XX/XX/23, I am told that I can not talk to them due to already being enrolled with XXXX ( and having a participating bank ). Furthermore, the prompts for the phone menu actively tell me to contact BoA ( I was not able talk to someone unless I selected the option stating I am not using XXXX with a bank ). I am unable to create a bank-agnostic XXXX profile due to having a debit card from a bank that is from a participating bank and since I have already received a notification to my 'invalid ' email address that money was sent to me, signing in with my Bank of America account from the link provided within that email gives an error stating that I can not claim the money because my email is not in my BoA XXXX profile, thus creating a cycle of attempting to add it to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of America is charging fees on credit when I paid my bill before due date. I always pay my card monthly. I paid my bill every two weeks. Credit card due XX/XX/XXXX and I paid {$1000.00} XX/XX/XXXX or before toward my credits card before due date. However they still charge myself as a consumer fee {$45.00} stating I have to pay full amount of balance. I have paying my card on time and extra to minimize balance as soon as possible. I then looked over previous month bill on my credit card they charged XXXX direct deposit fee. I always do transfer online bank to bank from my Bank of America account. Never had a fee. This second fee of {$180.00}. I transferred credit cash from my credit card toward my Bank of America debit card through the app. Same bank. I also specifically ask Bank of America employee when I do the transfer through I can pay my card monthly he said then when spoke with agent yesterday she said I have to pay full amount which contradicts what I was informed about fees and charges. They basically tried to charge fee every month I guess. I was told I had a special promo if I brought money from credit card cash not interested rate and I pay like I normally do every month before due date. No fee. I called them today again and wait for over 20 minutes no response. No answer and on hold
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72116
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received XXXX emails from XXXX on Friday, XX/XX/XXXX, that stated I had XXXX credit card inquiry on my credit report. I signed on to my XXXX account and noticed XXXX hard inquiries from XXXX back and Bank of America. I did not apply or attempt to open any new credit cards. I called XXXX on Saturday, XX/XX/XXXX and was told to call back on Monday since there fraud department is closed on weekends. I Called XXXX on Monday, XX/XX/XXXX, they advised me to file a report on the FTC website, as well as, call both creditors, XXXX and Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07470
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately, please removal all fraudulent inquires : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BANK OF AMERICA XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/2023 Bank of America credited my account twice instead of once due to what appears to be a technical error ( they admitted as such when asked over the phone ). During this period my credit account was shown as negative. I continued to post payments as asked by the bank according to its own official statements. Several statements ( from XX/XX/2023 to XX/XX/2023 ) showed {$0.00} due for that cycle and therefore, I did not post any payments during that period as I assumed I had overpaid previously. On XX/XX/2023 the bank rectified the mistake and charged the account for the erroneous credit. At this point I first became aware of the issue, and of course, paid my balance for the next month in full, as I have always done for the many years I've been with the bank, and through all my other open and closed accounts anywhere else. Despite this, the bank later reported to the credit bureaus that my credit card was delinquent for 60 days ( during XXXX and XXXX ), even though, at no point in time, I had an official bank statement stating any amount was due and unpaid. After months of back and forth and wasting countless work hours of talking to the bank and several assurances by some bank employees to fix this - as they admitted to me over the phone to the bank 's own contributory negligence in that matter- my credit score seemed to be fixed- only to later realize it was done so only during the investigation, while the bank actually kept reporting to the bureaus that the delinquency information is actually correct. More months had passed, I tried the same route of talking to the bank, being ping-ponged to different departments, having told I need to wait for months for this to be fixed. I went through another cycle of investigation where my credit was seemed to be fixed, but again, it was only temporarily during the course of the investigation, and I was back to square one. It had appeared at this point, after more than 6 months, that I have exhausted my options dealing with the bank directly on that matter. During this time, I was unable to rent an apartment and have good conditions on a car loan I was seeking, and this had caused me some adverse financial burdens as a result of seeking different routes. I should note that one agency - XXXX - actually did retain the corrected information for my accounts, and does not show the delinquency, while the problem persists currently with XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94609
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I went to withdraw funds from account and wasnt able to. I went into the bank to find out why and was told my account was closing with no reason given. I didnt receive any type of notices that my account was closing. I have over a XXXX in my account for bills and expenses. That Im unable to access. Bank of America said it can take up to 30 days to receive a cashiers check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A