Date Received: 2023-10-11
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/2023. Card physically stolen while in a foreign country. Within 10 mins of the card being stolen I called Bank of America ( hereafter BoA ) and reported the card stolen.All charges that had already been made on the card were rejected by BoA. Because this was the only card I had available to complete my travel back into the XXXX and the agent would only be able to overnight a card to my home ( XXXX ) address, he suggested I place hold on the card, so that I could lift it if needed to pay for charges on my return to the XXXX. XX/XX/2023 BoA approves charges for {$4700.00} and {$5000.00} plus foreign transaction fees. XXXX XXXX we are enroute to the XXXX. Upon my return to the XXXX the card was cancelled. I had added no additional charges at that time. XX/XX/XXXX, prior to the end of the billing cycle I notice the charges from XX/XX/XXXX and call BoA. The fraud agent credits my account {$11000.00} for the disputed charges. XX/XX/XXXX sends a letter stating they " confirmed the card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' It further states, " If you'd like copies of the documents we used to make this decision please call ... '' To date and with multiple request no additional information has been provided. Over the next 7 phone calls I have been told that this is a form letter and the statement above is not specific to my case. Agents have indeed confirmed that these charges were approved while the card was on hold. They have confirmed the charges put my account over the credit limit and I did was not contacted to authorize the charges. I have reopened the investigation a few times, and have never received any further communication from the investigators. I have learned the investigators are prohibited from returning my request for a phone call, and that if the new investigation produces the same result, I will not receive further communication from BoA. I would like full credit from BoA for the charges, fees, and interest for charges they approved without my authorization while the account was on hold as recommended by a fraud agent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80226
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Starting XX/XX/XXXX I thought I was applying for a remote job position, I contacted a friend that posted the job on XXXX and I was asked to send my personal infiormation to her to give it to the hiring manager and I was contacting by XXXX XXXX that asked me information about my life and about the job well she explained to me that I got the job and explained how much I would make and so on, she stated that the job would come with a new computer from the third party source hey used, I didn't think any of this was strange she also told me that the funding would come in batches and I needed to be patient and trust the process, we communicated daily to every other day it started with a small check for {$550.00} on XX/XX/XXXX I deposited in my XXXX account as directed it was returned then on XX/XX/XXXX she told me to deposit {$1900.00} into my XXXX account as well to cover the overdraft of the {$550.00} so I deposited it that check went through no issues then on she XX/XX/XXXX she sent another check for equipment for {$1700.00} for yet again XXXX that was returned and then on XX/XX/XXXX for {$2900.00} which the bank put on hold for extensive hold with no problem then she contacted me again and wanted me to deposit {$2400.00} in the XXXX XXXX XXXX account which I did, she wanted acess to my account at this point I didn't trust her at all so I changed all my information and didn't grant access at first I did but I was growing vey suspicious of this person and the job, so I went into XXXX XXXX XXXX to deposit the check, they placed a hold on the check then the last time she sent me a check was XXXX for {$1400.00} that I deposited into Bank of America when I seen the check was from there I asked if I could use my account and she stated yes and that's when I did a moble check deposit. I went to check my account and it was locked and I could not access anything so I waited until yesterday morning to contact the bank they told me that my account had been closed due to the fradulent check that was deposited no questions asked they just closed the account and stated that the funds remaining in the account would be mailed to me to me on XXXX XXXX. Also I got a call from XXXX XXXX XXXX stating that they were closing the account there as well with no explanation but to say the check was fradulent and with it being a new account it would close my account, I have every check and can prove everything being said.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: Wire has been on hold with receiving bank for upwards of 6 months due to a claim being filed and requested a dozen times to be reviewed/cancelled by both myself and 3rd party . Funds remain on hold, I am out double the amount for having to pay 3rd party for goods received. Each time you contact Bank of America, you get nothing. Im in a queue now. The customer service either give you nothing, refuse to help/transfer to a supervisor, it was only until a complaint was filed that i got a return phone call. That was 10 days ago in which they said theyd have a resolution. I call today and the service on the phone had ZERO updates and was so aloof on the phone, naturally, like the others, as if he couldnt care less that this has dragged on for months. This is ridiculous. At this point, Ill seek legal assistance. Bank Of America is a constant runaround and offers ZERO help to anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85251
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Bank of America began calling me in XX/XX/2023 in regards to an account I supposedly had with them. I have never opened any accounts with this bank. I thought I had resolved the issue in XXXX. XX/XX/2023 this account shows up on my credit report and drops my report by XXXX points. I have since been in contact with Bank of America several times, the account has been closed and I am still waiting for documentation to be sent through postal service. They said it will take XXXX business days from XX/XX/XXXX. I have disputed this through the credit agency and am trying to get this removed as it is hurting my credit report tremendously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, my family sent me a wire transfer amounting to {$5000.00} from abroad ( XXXX ). I became aware of an error that the sender made in the account number. I went to report the issue to my Bank of America branch in person. Was greeted by the bank XXXX at the door who asked me how they can be of assistance. I explained the situation and they assured me that the deposit will be rejected and returned given that the contact information and account number do not match when cross-referencing. They said I do not need to schedule an appointment about this matter. XX/XX/2023, The foreign sender company informed me that the deposit was never returned. They sent me a tracing number to help Bank of America locate the money. XX/XX/2023 : I Visted the branch for a second time and was greeted by another bank representative. She listened to the case, and I provided her with the bank trace ID. She said she will communicate with the wire department and will get back to me via phone. Later that day, I received phone call from same representative, telling me that they found no trace of the deposit and that it had not showed up on their system. The representative informed me that this means that the money was not received by them. I reported that to the foreign sender. Foreign sender informed me they will start their investigation. XX/XX/XXXX : Sender requested some documentation which I provided. XX/XX/XXXX : Sender provided me with more information to help locate the deposit. The information indicated that the deposit was, in fact, made into the wrong account despite mismatch with my contact information. XX/XX/XXXX : Went to the same Bank of America branch Went to branch and was greeted by [ XXXX XXXX ]. [ XXXX XXXX ] took the new information provided which included the credited bank account, the wire transfer sender name, and my information. She advised me to sit in the lobby as she went to the back to check. I waited for XXXX minutes. [ XXXX XXXX ] returned. She quickly informed me that the deposit was credited to the wrong account. She also informed me that the wrong recipient has not spent the money yet, indicating that they are a client of theirs. [ XXXX XXXX ] took me to her office and called their wire transfer department. The wire department informed both [ XXXX XXXX ] and I that there is nothing they can do to help, and that I need to file a claim with the sender. [ XXXX XXXX ] also expressed that she is surprised that the money was credited given that the name of the recipient does not match the account number. She informed me that she has never seen this happen before. [ XXXX XXXX ] promised me she will escalate this and find a way to recover my money. XX/XX/2023 : Received XXXX phone calls from [ XXXX XXXX ]. XXXX XXXX : [ XXXX XXXX ] informed me that there is nothing they can do for me and that my family needs to file a claim with the sender. I informed [ XXXX XXXX ] that this is not possible due to delay on your end in locating the deposit, and that they need to communicate with their client who is withholding my money. I also told [ XXXX XXXX ] I will be filing a lawsuit and a complaint. XXXX XXXX : [ XXXX XXXX ] called again promising me she wont drop the case and she will escalate further. I thanked her and ended the call. XX/XX/XXXX : I receive a letter from the bank informing me that no adjustment was necessary. XX/XX/XXXX : Called and Emailed XXXX XXXX. Went to voicemail. Received email from her later in the evening stating that her XXXX is diligently working on escalating the issue with their ACH.
Company Response:
State: CA
Zip: 91711
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Description of the Incident : Over the course of the past year, unauthorized transactions were detected on an XXXX account associated with our business. This was discovered during a quarterly audit, where it became evident that these transactions blended with our legitimate XXXX activity, making them initially challenging to detect. Dates and Amounts : The exact unauthorized transactions spanned the duration of the last year. Specific dates and amounts were not mentioned, but the frequency of these transactions increased noticeably over time. Actions Taken : Upon realizing the anomaly, we liaised with XXXX customer service for clarification. XXXX then confirmed the existence of a fraudulent secondary account created under our identity. They provided us with a REFERENCE number : ticket number XXXX and acknowledged the issue. Subsequently, we raised the matter with Bank of America ( BOFA ) by filing a claim ( Claim # XXXX ). Despite presenting the evidence, BOFA declined the claim. The bank 's reasons for denial seem to revolve around the extended duration of the unauthorized transactions. We suspect an oversight on BOFA 's part, as a representative may have misfiled and misunderstood the scope of the fraudulent transactions. Current Status : We are in a precarious financial situation due to the Covid pandemic, trying to manage SBA loan repayments. With BOFA being an SBA partner, their lack of support during this ordeal has exacerbated our financial woes, pushing our business closer to bankruptcy. Request : We seek a thorough investigation and resolution from both XXXX and BOFA, hoping for a refund of all unauthorized funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91325
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: Dear XXXX, XXXX AND OR XXXX I, XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The amount ( s ) owed are not accurate for the following items : Party Owed : XXXXXXXX XXXX Amount : {$13000.00} Account Number : XXXX Party Owed : XXXX XXXX Amount : {$2000.00} Account XXXX Party Owed : Bk of America Amount : {$60000.00} Account XXXX I am disputing this claim as I HAVE NO KNOWLEDGE OF THIS " CONSUMER '' ACCOUNT. IT IS FRADULENT. I AM REQUESTING THAT IT BE REMOVED IMMEDIATELY. This is my official request to have the aforementioned debt removed from my credit report. Enclosed may be additional evidence to support my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60608
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: There was a mistake made by the company I worked for and they then gave me a live check, Bank of America refused to accept my legitimate check and therefore recurring payments including my rent started bouncing. they then closed my account and reported me to XXXX. I have tried getting it removed and they say I have to wait 2 more years. This is libel and defamatory as I did nothing wrong and tried to rectify the errors of the former company I worked for. I want to be removed from XXXX as it is putting a financial strain on my financial situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92870
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: i submitted a dispute on my bank, bank of america on XX/XX/2023 for the zelle transaction on XX/XX/2023 XXXX XXXX XXXX XXXX whom i received hair treatment. This hairdresser i just found in yelp and he did his service at his house. I was suppose to get hair rebond but he said my hair is too damage so he said he will just do treatment.at the end he charged me XXXX dollars for XXXX different treatments that i didnt know and agree about and as much as i want to refuse to pay him i felt unsafe being in his house and to be put on that situation so i just zelle him the payment because i want to get out of that place. The next day i message him to break down the charges- XXXX for cellophane, XXXX for reborn, XXXX for biolage and XXXX for shampoo and conditioner and i told him it was too much. The next business day i called my bank Bank of America and dispute half of the charges, i was told that the merchant is not obligated to return the funds but it told them that i felt i was mislead and that i was not informed of the multiple treatments he did, also for the price i paid the result didnt even make any difference on my hair. On XX/XX/2023 i received the email from bank of america that they did not approve my claim, so i called them and ask how the decision was made as the letter only states that the reason was the transaction was already posted on the other account. It seems that there was not enough investigation that took place see attached letter, i also mentioned to them that i could not find his license thru bureau of cosmetology neither his business license in dept of consumer affairs, that this makes it a fraud, that they should have included in their investigation, also the end result on my hair didnt live up to what i expect after i washed it. I requested to resubmit my claim, i was told to wait 45 days. I think they lack of diligence with this matter, i have been with them for 16 years, and expect they should have been more helpful to small people like me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95336
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Charged upfront or unexpected fees
Subissue:
Consumer Complaint: The only problem is we did not make payment on time, only a few days late, the statement shows that a junk fee and late fee were charges to my, checking and Crdit card accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92301
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A