Date Received: 2023-10-22
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: ADDITIONAL COMMENTS Apart of the claim was just paid on XXXX please address me in the facts both claims were submitted on the same day, claim amount XXXX and XXXX the XXXX was just paid out. Please explain why they spilt up my claim in the first place. How did they pick and chose what transactions they would approve, My roommate did them all I explained that while filling the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My account and card was repeatedly hacked for the past few years. Most recently {$2800.00} stolen from my account. After I had it frozen and new card sent because I was told someone was tyring to hack it and called not being able to say my name properly. Clearly the information was not relayed to the agent that allowed a person to change my email and wire XXXX XXXX XXXX XXXX This last one took weeks for me to get the funds back and was told they could not promise me they would get the funds back. I was totally stressed, unable to pay for my daughter 's after school activities, was behind on rent and charged, car payments bounced. I have had probably 6 cards in the past 3 years. Every time I got a deposit my card got hacked and I would have to wait for this to be fixed and/or new card. It was extremely stressful probably cost me over a few XXXX XXXX or more in fees for bounced payments for rent and bills. Caused me to. miss deadlines, unable to pay for gas and utilities causing me to cancel important apts. I dom't understand how my account could be hacked that many times and how they were not able to fix the matter. The indivicual ( s ) clearly knew when I was getting a deposit and that to me shows a big issue with Bof A security and privacy policies and system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49686
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: An unauthorized transaction on my savings account of {$9400.00} was taken from my bank of america account and deposited to a XXXX XXXX account thru XXXXXXXX XXXX on XXXX XXXX. Bank of America denied my claim stating because transaction was done under my name. I did not make these transactions Bank of America needs to investigate further and see who did this illegal transaction without my consent. In turn the {$9400.00}. XXXX of my funds need to be redeposited into my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02132
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: During my Edd XXXX claim it took BofA over 4 months to issue a card ... .they made me go to a check cashing thru XXXX XXXX to get money and charged me for this ... .I had money they appliedto card that I had no access to for over 4 months in 2021 ... .it 's their records ... ..I was made to go thru a check cashing using XXXX XXXX 3 times ... XXXXwith fees ... .I lost my home and was living in my vehicle because of this problem caused by BofA. Why did it take over 4 months to get a card They would not let me go into the bank with Identification. Why????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95815
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
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: XX/XX/XXXX I received a scam phone call from Bank of America-at the time I felt it was them as I questioned them about my account and this person knew everything-they even had changed my password. They knew the purchases I had made. I confirmed my last few digits of my card which at that time I felt weird. I hung up and called Bank of America immediately. I told them this person seems to have everything-access to my account ( which at the time I had already gone in and changed my password twice ) I knew they had all my account information and I TOLD BOA that. The lady issued me a new card and canceled my old one. Hindsight I don't know why she didn't freeze my account. XX/XX/XXXX I saw a charge for a direct deposit or cash advance and I called. Again, I went through what happened and that I knew my account had been compromised. She assured me that she also saw the transaction and that it is being denied. I again told her I thought their accounts have been hacked as well because this person had EVERYTHING of mine and I did not give them access to my account. I did confirm my last 6 digits. Again, she assured me that they are on it and that my account is secure. I believe I called a couple times that day. XX/XX/XXXX, {$14000.00} deposit was accepted. Again, I called about this. They told me that I was scammed and this is my fault. They gave me a new login which should've been done 2 days earlier when I had first called. I was upfront and honest with Bank of America and I had called immediately before ANY transactions had been made. They FAILED to secure my account. They said I made the deposit because it came from a device I had-this is false. I told them this and they said that was the scam. Again. I get part of this is on me. However, I called before transactions were initiated and they didn't secure my account. Therefore I feel this is on them. I have appealed the ruling and am waiting for another ruling. I am dead set on not paying this because I warned them I had been hacked. They should have froze that account the minute I called. Why issue a new card if it's still linked to the one that was compromised? I have been with BOA for 21 years. I have NEVER made a cash advance or a deposit from the CC. NEVER. I told them that and they told me it is all denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56560
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bank of America allowed XXXX XXXX XXXX in unauthorized withdrawals from what appears to be fraudulent electronic withdrawals to major corporations. I need assurance that all theses funds will be returned immediately so I can pay my bills. They should not have bankers hours for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-10-22
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: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing with regard to two fraudulent transaction charges that took place without my permission in connection with my BOA credit card end with XXXX. XXXX transaction took place on XX/XX/XXXX with the amount of {$86.00}, and the other transaction took place on XX/XX/ with the amount of {$10.00}. What happened is that I lost my BOA credit card end with XXXX on XX/XX/. I did not realize my credit card was lost until I received text messages and emails from BOA alerting me that there were suspicious credit card transactions and asking me to reply YES or NO to either approval or deny those transactions. I immediately replied NO to deny those transactions and called BOA credit card customer service right away to report the loss of my credit card as well as report the fraudulent transactions. BOA customer services were able to close the lost credit card for me and filed claims for the two fraudulent transactions mentioned above. On XX/XX/, my BOA online banking shows that a credit of {$86.00} and a credit of {$10.00} were temporarily available while they were trying to resolve the claims. However, those credits were removed on XX/XX/ after they resolved the claims. I feel very weird and upset. I called BOA customer services and they told me that the claims have been resolved but they had no information why the credits were removed. I feel extremely unfair, because I did deny the two fraudulent transactions that took place without my permission by replying NO through text messages right after I received the alerts. I did all I can as a consumer and victim of the stolen credit card to avoid fraudulent transactions, but BOA still did not refund me the credits. I hereby request BOA to refund me the credits for the two fraudulent transactions which is a credit of {$86.00} and a credit of {$10.00} respectively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
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 caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I called several mos ago regarding all these overdraft fees. I wanted them to NOT pay if my funds were not there they said it was a built in the system that they had no control over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76053
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Im a Bank of America client, I have been credit holder for many years, on XXXX I lost my job and BofA did not help me to be able to make payments so they increased my debt with interest and fees, also one of my credit cards from BofA got it without applying for it. I saw the class action lawsuit against BofA but I havent been contacted about it. What can I do????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened my savings account in Bank of America since XXXX and I have a small amount of savings. I recently asked the Bank of America to set up an online banking account. Through that, I found out that somebody transferred {$1000.00} out of my account on XX/XX/XXXX, {$1000.00} on XX/XX/XXXX, and {$1000.00} on XX/XX/XXXX. They all have been transferred to XXXX XXXX Bank XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA. Then I called the Bank of America to make a claim. They put back {$1000.00} to my account to fix one transaction and they denied the other {$2000.00}. For the other two transactions, they mailed me a letter saying that I signed a contract agreeing to " report unauthorized transactions to the bank within 60 days of the date on the statement showing the fraudulent item ( s ) ''. I never signed any paper saying that. I feel that it's unfair for me to lose that money. The Bank of America staff did not make clear to me when I opened my account. It was 27 years ago. I thought that my money would be safe and secure in the Bank of America. I wrote the bank an email about the claim and they did not reply to it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A