Date Received: 2023-10-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I called Bank Of AMERICA two times during the last three weeks. I asked them to close my spirit credit card account because they had charged me an annual fee of {$79.00}. They agreed and told me that it will be closed and the {$79.00} refunded back. Also, each time I called, I was on the phone for about half an hour, including the hold time, however, my account is still open and the {$79.00} is still there. I am tired of wasting my time calling them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
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: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I submitted An Auto Loan Application with Bank of America with wrong information and got negative reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10039
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I should have submitted a complaint in XX/XX/XXXX, due to a similar situation, but I was not clear on how Bank of America was conducting business until now. In XX/XX/XXXX, I performed a balance transfer with a 15 month 0 % promotional rate, but continued using my card as normal, with anticipation of paying any interest accruing balance immediately upon statement due date. However, in XX/XX/XXXX I was charged interest of {$1.00} on purchases even though I paid an amount to cover those purchases plus a minimum amount due. I called and had the interest refunded and stated my complaints, but the rep just brushed it off and said " well we usually tell customers to not use their credit cards while carrying a promotional balance. '' Then at the end of XX/XX/XXXX I received another interest charge of {$0.00}. I did not worry about fighting with BOA again as it was a small amount and I quit using the credit card and moved on to another card. Now, I have received an interest charge of {$0.00} for XX/XX/XXXX for a charge I made on an account that the card was saved as a payment method. The charged amount was {$8.00} on XX/XX/XXXX and I even paid an extra {$8.00} on XX/XX/XXXX prior to statement closing date of XX/XX/XXXX but after payment due date of XX/XX/XXXX for statement period ending XX/XX/XXXX. It is now evident that BOA is charging interest on purchases made during a statement period even if payment is made before the close of that statement. Is this type of practice allowable? In my eyes this is exploitation that my conscience views as unlawful but certainly unethical. Sure, it's only {$0.00} total, but I had to call and spend 40 minutes on the phone for {$1.00} just to prevent the total interest from being {$1.00}. If BOA does this to XXXX customers, then they pocket {$16000.00} and most likely I was the only person to spend the time to fight for the interest. All of my credit other accounts with other institutions I have ever used with any kind of promotional apr allow you to pay an amount to avoid interest after a statement has been generated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29642
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a $ XXXX check from my family trust on XX/XX/XXXX, they said the funds would be released on XX/XX/XXXX at XXXX. They did not release until XX/XX/XXXX. No one will give me a reason why two days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I have been a loyal XXXX XXXX XXXX XXXXXXXX for nearly 20 years. I called on XX/XX/23 to inquire about upgrading my current card as I had this card for over a decade with minimal rewards and credit line increases. The minimum payment due ( due date was XX/XX/23 ) was {$93.00}. I made a payment of {$700.00} and it was applied to my account. As of XX/XX/23, my credit limit was decreased from {$3500.00} to {$2900.00}. This happened to me over 6 years ago, my credit limit was {$4000.00} and decreased to {$3500.00}. I recently lost my father and I'm faced with financial burdens. I'm trying my best to catch up on my personal debt but decreased credit limits are a major set back as this effects the overall utilization rate, which is an importnant credit score factor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Greetings from XXXX. {$8200.00} deducted from my Bank of America Account ( XXXX ) onXX/XX/2023 without my consent, Matter escalated to Bank of America and they said they can not do anything about it despite transaction was in process. Feel free to contact me at XXXX XXXX XXXX XXXX Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60074
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing this complaint to BANK OF AMERICA for allowing fraudulent account on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate account is reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my paycheck today ( XX/XX/23 ) on my bank 's mobile app. The first time I tried to deposit it, the bank informed me there was an extended hold on my deposit in effect until Thursday ( XX/XX/23 ). I then cancelled my deposit on the app, and the app asked me very clearly, with the very particular verbiage : " Are you sure you want to cancel the deposit? '' I then selected the option for yes and tried again. The same thing happened, an extended hold on the paycheck until Thursday XX/XX/XXXX ( XX/XX/23 ). I spoke with the bank via customer service and was first informed that " the check was deposited multiple times '', which was clearly not the case. The Bank informed me that their system was trying to catch up to the mobile banking app, which is very clearly on the Bank, and not me the consumer. I explained that situation and reasoning with the Bank and I was then informed, " there was reasonable cause to believe the funds are uncollectible from the paying bank. '' I have deposited several paychecks from this job previously, so I'm not sure why this instance was an issue. In my entire time banking with Bank of America, I have only overdrawn my account one time to my knowledge, therefore removing that cause for the hold from the Bank. Like most Americans, I live paycheck to paycheck with very little, if any, savings to cushion me. I have bills that are coming due, and I need to pay them, but I can't pay them when I have {$150.00} in my bank account to last me until the XX/XX/23. At this point, Bank of America will have to reimburse me for any late fees or overdraft fees that are accrued due to them effectively picking and choosing when they apply a hold on paycheck being deposited. Also, under federal reserve guidelines, the first {$220.00} of the paycheck must be made available to me by the next business day, and Bank of America has never once followed this practice. At this point in time, I am heavily considering hiring legal counsel to see what, if any, recourse is available to me to ensure that this does not happen in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
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 pay my bills online at the bank. Bank paid one of my bills a payment on XX/XX/XXXX for XXXX instead of {$12.00}. I happened to check my online statement and saw what they had paid and immediately went to the bank to let them know that they sent the wrong amount. I also contacted the company that the payment was sent to and check to see if they got the payment, and instead of rejected the payment since it was wrong, but instead of rejecting the whole amount they took out {$12.00} out of the XXXX. I asked them how I was to get the remainder of the payment of XXXX back. They said they would return it back to VA Pay the company that the bank uses to pay their online banking payments. I returned to the bank after a couple of weeks since I still hadn't received the money back into my account yet. They check with VA Pay and they said they hadn't received it either. They in turn said they would contact the company they sent the payment to see how they returned it and on what date. They tried a couple of times to contact then but was unsuccessful. I tried today to get a hold of them, but I wasn't successful either. It's almost a month now and I still haven't got my money back. I also sent the Company a check for {$12.00} when I found out that they got the wrong amount of payment. They said that this payment would be for XXXX since they had already taken out XXXX payment out of the wrong payment XXXX. I don't understand why the bank thought XXXX was XXXX. I would of put it in as XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Re : Victim of Scan/Fraud Dear Consumer Financial Protection Bureau , I am writing to report a Scam/Fraud. On XX/XX/XXXX, I received a notification from XXXX of a website regarding an auto action. That same day I registered on the website of following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX On XX/XX/XXXX, I made a bid for a XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received a call from XXXX and I was notified that I was the winning bidder for {$37000.00} and I was given wire instructions to wire {$37000.00} to the following : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Registered Agent Name : XXXX XXXX XXXX Bank Name : Bank of America XXXX XXXX XXXX XXXX, FL XXXX Account Number : XXXX Routing Number : XXXX On XX/XX/XXXX, I authorized XXXX XXXX XXXX to wire funds to Bank of America for I believed I won a car through a legit auto auction and paid in good faith. I notified, XXXX at XXXX that I had wired the funds, and I was emailed a notification that the car would be delivered to me on XX/XX/XXXX, between the hours of XXXX to XXXX. Later I found on the Night of XX/XX/XXXX, that the website of XXXX no longer existed. On the morning of XX/XX/XXXX, I called XXXX at XXXX XXXX and to this day no one has returned my calls. I am asking Bank of America to protect me as a consumer. They opened an account to XXXX XXXX XXXX XXXX XXXX, which was registered to XXXX XXXX XXXX, which is a Scam. I in good faith wired funds of {$37000.00} to purchase a car that I won from an auto auction that I believed to be legit. Which turned out to be a total and complete scam. Please reverse the wire and send funds back to my XXXX XXXX XXXX account for {$37000.00} for I am a victim of fraud and should not have to take a loss for a scam that started in your bank. Please note I have filed a complaint with Federal Trade Commission, report # XXXX and the XXXX XXXX XXXX Department, report XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FBI, Federal Reserve , Office of Comptroller of Currency , and XXXX XXXX XXXX XXXX Please reach out to me at XXXX. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94903
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A