Date Received: 2023-10-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I made a purchase for a company called XXXX I had a balance on my card of XXXX after the purchase bal was XXXX I had an issue with the company so I decided to cancel the order but kept getting no anwser for a refund so I called BOA and they removed the charge which brought my balance back to the original amount of my initial balance of XXXX XXXX sent me an email that the refund was processed to my finial institution the very next day after BOA made the adjustment so I called and canceled the claim my bal showed a deduction of XXXX from the XXXX which made my bal XXXX which I paid in full instead of bank of america charging me the XXXX there also charging me the XXXX I'm a bit confused as to why It took until XX/XX/XXXX to show an adjustment and why I'm still being charged the amount t plus now an interest charge when I was in constant contact with the bank my account said XXXX after a another charge and payment of XXXX after the payment I made XXXX my account was at XXXX on XX/XX/XXXX then bank of america added the charge back of XXXX they never gave me an actual credit the removed the charge from the credit card the numbers just don't add up for me it's like if my balance said XXXX after the amount was refunded instead of XXXX then I would have paid the full amount but if bank of america uses those tactics to get interest fees the that's wrong there are lots of recordings about this acount and the charges I was even told that it would get adjusted and the charge removed on XX/XX/XXXX when the closing date went into affect I need someone else to go over this account and explain Bank of America has been my bank since XXXX and I'm very disappointed in the extra fees I'm being charged even XXXX is alot Right now XXXX it's really alot especially when the Bank is in control of your money and dosent want to take the blame when there's a problem please listen to every recording about this charge I recorded a few conversations after making the agent aware that I to was recording the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33880
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This complaint is due to the lack of sufficient consumer notification for debt owed to Bank of America. I held a Bank of America credit account for years with XXXX issues. The account was utilized as a secondary credit account and the frequency of use had declined significantly over the years. On XX/XX/XXXX, I received notification from my primary bank, XXXX XXXX, related to credit monitoring notifying me that Bank of America reported a balance of {$340.00} as past due 90 days. I immediately logged into my Bank of America account to review what transactions hit the account and pay the balance. A payment of {$340.00} was initiated immediately ( cleared XXXX XXXX on XXXX ). After making the online payment, I contacted Bank of America customer service ( same day, XX/XX/XXXX ) to determine why I was not notified of the balance. I confirmed the correct phone, address and email were on file ; however, the correct email was not listed as 'primary '. I was advised that an older email address of mine was primary and that since I was signed into e-notifications, Bank of America was only responsible for sending statements or notifications to the 'primary ' email. Customer service confirmed that no call attempt, no text attempt ( although I am signed up for text notifications ), email to the 'secondary ' address, or paper letter was sent to notify me of the balance due or past due balances that began in XXXX XXXX They made no other form of contact for 5 months. I requested to close the account due to their practices, and I was advised that Bank of America already closed the account due to the past due status of over 90 days. I was advised that I needed to settle the debt to which I informed them that a payment was made online because XXXX XXXX notified me of the balance due. I requested paper statements be mailed to me XXXX. I received 5 paper statements, four of which included late fees, one of {$25.00} and three of {$39.00}. I gained access to the 'primary " email address Bank of America had on file, and confirmed e-bill notifications were only sent on XXXX XXXX XXXX Not only did Bank of America fail to notify of the debt through all of the correct channels and consumer information on file, they only sent a total of 2 notices which did not include a notice of closure. A closure notice was never received through any channel. I was only notified of closure when requesting the account closure via customer services because of their practices. This occurred for an account of a tenured customer with a XXXX dollar balance prior to XX/XX/XXXX with a {$13000.00} credit line, no prior late occurrences and a credit score of XXXX. Bank of America chose to charge {$140.00} with lack of monthly notification of debt due to the consumer, and close the account versus contacting the consumer to notify of debt balance due. This practice had drastic adverse affects on my credit reporting/score which went from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My score has increased slightly but lists a severe impact for 3 late payments and derogatory status ( over 90 days ) reported by Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85541
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: - Entered XXXX XXXX on XXXX XXXX in XXXX on XX/XX/XXXX to wire proceeds ( {$100000.00} ) from sale of business to personal account. - Bank manager, XXXX, states that he can save me the {$36.00} fee and provide a certified check which I can run across the street to Bank of America. - I explicitly ask due to the large amount, will BofA put a 10 day hold on the check? I was assured they would not because it was an official check, and asked if the branch manager was sure. He confirmed again and I agreed to take the official check. - Deposited check at BofA XXXX XXXX on XX/XX/XXXX immediately after leaving XXXX, as suspected, they placed a 10 day hold on the check. - I called XXXX to inform the bank manager, was not a huge deal in my situation as the money wasnt earmarked for anything, but it could detrimental if he does this to someone else using that money for a down payment to a house, etc. - Fast forward to XX/XX/XXXX at XXXX XXXX ET, I receive a low balance alert from BofA. - I open my app, and not only is the initial hold of {$98000.00} still on my account until XX/XX/XXXX, but theyve also placed an additional debit/hold for the full value of the check {$100000.00}, draining my primary checking account and my secondary account which is responsible for all auto-pay bills. - I called BofA Fraud and they had no answers other than the check was flagged as fraudulent, we cant help, you need to talk to XXXX. BofA could not provide any rationale or logical explanation that two holds were placed on the account, in essence freezing any funds that we have. There is no sign of funds in either BofA or XXXX accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023, just after my wife 's monthly paycheck of {$5700.00} was direct deposited my Bank of America account was unexpectedly frozen, as well my wife and XXXX sons ' accounts. Also, my check for {$2400.00} was deposited on XX/XX/XXXX and was also held by the bank. In an attempt to rectify what appeared to be a mistaken action, my wife and I visited our local Bank of America branch on XX/XX/2023. To our dismay, the branch manager informed us that they were equally puzzled by the situation. Moreover, they explained that their system was locked, and they were unable to release our funds. This was a particularly distressing situation for us because our autopay bills were set up, and our mortgage payment was due on the XXXX of the month. We were hoping the BofA staff can help us understand the reasons behind the account closure. Unfortunately, the bank asserted that they were under no obligation to disclose the cause, citing a disclosure we had signed when opening our checking accounts. This disclosure stipulated that, in the event that Bank of America chose to terminate their relationship with a client, they were not required to provide an explanation. We accept the decision to no longer be a Bank of America customer, our primary concern is the withholding of our familys funds. We are hardworking individuals ; the bank is well aware of my solid banking history, as I've consistently maintained a positive standing with them. Due to the bank 's failure to release our funds, my family and I are currently facing financial hardship. We are in dire need of our own hard-earned money that they refuse to release. It feels as if we have become victims of an arbitrary decision made by Bank of America. I was unaware of the extent of control the bank had over our earnings. Fourteen days have passed since our funds were frozen, and despite numerous attempts, the Risk Closure department at XXXX has yet to reach a decision regarding the release of our funds. Their only advice has been for me to keep calling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90815
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Two internet purchases I made were located in foreign countries. I was unaware of this status. When Bank of America later sent me an email about the purchases I responded to decline the purchased. The ban declined the purchases but then without warning shut down my credit card without warning. I did not find out about the termination until later in the day when I was trying to make a purchase at a local store. Trying to call customer service was a disaster. Initial hold time of 30 minuted followed by subsequent delays. The bank refused to reestablish the credit card insisting that they would have to send me another card with a new account number. I have numerous reoccurring charges tied to the account and it will take me hours to change all the information. There was no fraud involved and no loss on the part of the bank. Failing to have procedures to reestablish the account because of computer issues is their problem, not mine. Bank of America has shown poor customer support in the past and recently sanctioned a substantial amount. Apparently it was not enough. I request that you reexamine their procedures and once again fine them heavily again to get their attention to these constant short fallings.
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: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I recently reviewed my credit report in XXXX XXXX XXXX. I noticed many fraudulent and inaccurate credit inquires on my credit reports that I did not authorize at any time or date. Inquiry number one : Company name : XXXX XXXX XXXX Inquiry Date : XXXX. Inquiry number two : Company name : BK OF AMER Inquiry Date : XXXX Inquiry XXXX : XXXX XXXXXXXX XXXX INQUIRY DATE : XXXX. I have contacted all companies by mail on XXXX but I have yet to receive a response. I would like all inquires removed within four business days as they are not accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02910
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: XX/XX/2023 someone used my name, social security and date of birth to open a Bank of America Credit Card in my name. They use an address in another state I have never lived in or been to, someone else 's email and phone number to apply for the card. I reached out to XXXX to report it by phone and by mail. I sent via certified mail to XXXX a copy of the letter I received from Bank of America along with a copy of my current drivers license which the same address on file. I call today after I received the certified mail green card to verify they had received my documents. XXXX at XXXX verified they received them on XX/XX/2023. She also said my credit file is flagged as potential fraud. However, I would need to file a complaint before they could removed the inquiry from my credit file and mark my credit file as fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31419
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I applied for XXXX and never got my Bank of America XXXX card. I spoke to XXXX and they said they couldnt do nothing about it that I had to talk to Bank of America. I finally got them to send me a replacement to find out my money was gone. I filed a claim and they denied it. When I asked why they said during their investigation they found those transaction were made by me or some I authorized. I asked them for documentation or proof of what they were saying. They never sent it. Its been months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90650
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
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 received a statement from my credit card stating I had a charge to XXXX XXXX on XX/XX/XXXX, posing on XX/XX/XXXX for {$330.00}. I did not make the purchase, as the card has been locked away in my safe, and is not carried in over a year. I contacted the card and stated such. They opened a fraud claim, to which they denied due to the card having been used via XXXX. I stated I did not do so, as I have XXXX Maps on my phone track my locations, and it shows I did not go anywhere near the place of purchase. During first phone call, the agent said that a new card was mailed as the current card in my safe expired. I advised them that I never received the replacement card. The agent then informed me that the card was mailed out days prior to the charge in question. She suggested that the card was stolen and was in fact fraud. On the second call, I informed the agent of that conversation, and they stated their was no such record of that conversation, nor anything to the matter of the replacement card. Again this agent stated someone could have spoofed the chip and used my account. I faxed my location information as advised by the agent to prove that I was not at the merchant. She stated the claim was closed and would not be able to reopen, as i am responsible, however she would escalate pending my documents. After a short period, I saw another statement saying the temp credit was removed and I called a third time. They informed me that they will not rule in my favor since the Chip was used. I stated again that I did not go to the merchant, that I did not use the card. I asked if she received the fax I sent, and stated no. I asked to confirm the fax, to which was correct. I faxed again and mailed priority mailed a copy. I received a digital letter stating they are not ruling in my favor, and in retaliation they are reporting me to the credit companies regarding the claim, and my " dissatisfaction ''. I am super upset because I did not make the charge, and yet I am now responsible. I am including copies of the statements, of which are the only statements of this year, and no other statements from years prior, as I do not use the card. The letter stating they will not agree on the dispute, plus the report to the credit reporting companies, as well as printouts of my XXXX Maps history for the days before and after the charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2023 after setting my rewards to Home Improvement, which includes Appliances, I purchased an appliance using my Bank of America credit Card for {$860.00} From XXXX XXXX XXXX, IL. Few days later I noticed a 1 % had been given as a reward versus 3 % that was advertised ( which should be {$25.00} ). I called BOA on XX/XX/2023. The Service Agent told me I needed to go talk to the store on why they are using the wrong merchant code. No offer on a resolution, nor any sort of review of the account to confirm. I refused and requested the ticket to be escalated. The agent told me the ticket had been escalated and I would be contacted by a manager within 48 Hours. No call has since been received. on XX/XX/2023 I contacted BOA through XXXX, where I was told similar information. I also requested escalated resource on XX/XX/XXXX. I followed up on XX/XX/XXXX with no response. I have now reached out to the CFPB regarding this issue. I don't care if the store used the wrong merchant code. The fact its an appliance store should be enough evidence for a credit on the account. I don't need you to adjust the reward statement, but give a credit on the card statement for the remaining {$17.00}. BOA Should stand by its customers. Stop passing the buck. Stop making excuses. Stop hiding. Stop avoiding your customers. Honor your promise. Honor your rewards. Honor your dedication to customer service. Recognize it's more profitable to offer goodwill credit to a customer rather than die on this hill. The frustration should not be on a mom and pop store for setting the wrong merchant code, but rather the Credit Card company should recognize this was in error ( even if it's on the merchant side ) and offer a statement credit as goodwill to a customer. Also support agents should honestly have employee empowerment to offer some credit similar to what other companies can do. I request an account credit of {$17.00} on my BOA credit card ending in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60098
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A