Date Received: 2024-02-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been trying to access my funds for XXXX treatments over XXXX years. The first few times the representative stated they would call me back. They never did. My social security number and DOB is linked to my account and yet they will not reset my password with this information. They want a cell phone on record. My account predates cell phones
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10011
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am writing to formally lodge a complaint regarding the recent closure of my account with Bank of America without prior notice, and the subsequent holding of my funds without a clear timeframe for release. This situation has caused significant distress and inconvenience for me, as I am currently in dire need of accessing my funds. On XX/XX/2024, I discovered that my account with Bank of America had been closed without any prior notification or explanation provided by the bank. Upon contacting Bank of America 's customer service, I was informed that my funds were under review and that there is no definitive timeframe for their release. Despite numerous attempts to seek clarification and resolution, I have been met with vague responses and no concrete steps toward resolving the issue. It has now been more than a month since my account was closed, and I am still unable to access my funds. This has caused severe financial hardship for me, as I rely on these funds for essential expenses and financial obligations. The lack of transparency and communication from Bank of America regarding the status of my funds is unacceptable and has only added to my frustration and anxiety. I urge Bank of America to promptly address this matter and provide me with a clear explanation for the closure of my account and the continued hold on my funds. I expect a timely resolution that allows me to regain access to my funds without further delay. I appreciate your prompt attention to this matter and request that you provide me with updates on the progress of resolving this issue. Failure to address this complaint satisfactorily may result in further action being taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60067
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: bank America credit card account ending XXXX was accepted to a debt management program with XXXX on XX/XX/XXXX but they then reported it as a late payment past due in XXXX & XX/XX/XXXX thus affecting my credit score which dropped XXXX points from XXXX to XXXX. I HAVE PLACED A COPY OF THEIR LETTER PDF ON MY HOME XXXX & if requested can send it via email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: No instead of giving me information they just lied and told me that it's my fault they keep blocking my account. When it's not my fault. I have went in and verified 4 times already they have canceled yet another card and I have to go and verify again. This is the most ridiculous situation I have ever dealt with. They have a very flawed fraud protection system. The employees have done a terrible job all the way through I have verified 4 times. This needs to stop
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92591
Submitted Via: Web
Date Sent: 2024-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: BANK OF AMERICA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX CONSUMER FINANCIAL PROTECTION BUREAU / CASE NUMBER XXXX RESPONSE OF XXXX XXXX XXXX | XXXX XXXX TO BANK OF AMERICAS RESPONSE DATED XX/XX/XXXX : In your response to my claim ( case # XXXX ), it is said : In accordance to our Deposit Agreement and Disclosures, ( the : Agreement ) which comprises part of the contract between us and our clients, we may reject payments orders. We ( BoA ) are not liable to you for the rejection. It is also said in your response of XX/XX/XXXXXXXX : On XX/XX/XXXX, a wire transfer sent by XXXXXXXX XXXX XXXXXXXX, in the amount of {$30000.00} posted to your account ending in XXXX. As noted in our Agreement there may be times when the beneficiarys bank may make payment to the beneficiary based solely on the account or other identifying number, even if the name on the payment order differs from the name on the account and we accept. In this instance, this wire was repaired and credited to your account, but that is not a bank standard. On XX/XX/XXXX, Bank of America rejected a wire transfer similar on all points to the one sent on XX/XX/XXXX to Bank of America by XXXXXXXX XXXX XXXXXXXX on behalf of XXXX XXXX, account ending in XXXX. As justification for the rejection of the wire transfer of XX/XX/XXXX, Bank of America invoked that when the account ending in XXXX was opened on XX/XX/XXXX, it was titled XXXX XXXX XXXX, In Trust For ( ITF ) XXXX and XXXX and XXXX and XXXX and XXXX XXXX. Another justification for the rejection of the wire transfer of XX/XX/XXXX, invoked by Bank of America is that : there may be times when Bank of America may decide ( depending of its mood? ) to accept or reject a wire transfer, implying that Bank of America has the unilateral right or authority to modify the terms and conditions of the contract between the bank and its customers. A contract is considered bilateral when two parties express their willingness to adhere to the agreement. These two parties commit to each other and modify their legal situation accordingly. On the other hand, a contract is qualified as unilateral when an agreement of wills binds only one of the parties. In this case, only one person commits, while the other party has no obligation. A common example of a one-sided contract is an offer of a reward for finding a lost item. In short, bilaterality is essential for an agreement to be considered a contract. It reflects the mutual exchange of obligations between the parties, thereby ensuring the validity and effectiveness of the agreement. It is important to note that unilateral will can also play a role in the formation of a contract, although the initial preparation is often the work of a single person before both parties formally commit. Bank of America issued several booklets of checks under the name of XXXX XXXX who, until today still detains three ( 3 ) booklets of checks under the name of XXXX XXXX ( XXXX # XXXX to XXXX ; XXXX to XXXX ; XXXX to XXXX ) - and no more booklets of checks under the name of XXXX XXXX XXXX - violated its own Deposit Agreement and Disclosures ( the Agreement ) which comprises part of the contract between BoA and its clients, mislead XXXX XXXX XXXX who, especially after the acceptance of the wire transfer of XX/XX/XXXX by Bank of America, could rightfully believe that the name XXXX XXXX written by Bank of America on its checks is legitimately acceptable and usable to carry out wire transfers like any other banking transactions. Bank of America could and should have, after repairing and crediting the transfer of XX/XX/XXXXXXXX to my bank account ending in XXXX - based on the principles of contractual bilaterality and reciprocity, essential to guarantee fairness and trust in contractual relations- inform and warn XXXX XXXX not to use XXXX XXXX for future transfers. Based on the above considerations, Bank of America by falling to inform and warn XXXX XXXX XXXX not to use XXXX XXXX for future transfers after issuing booklets of checks under the name of XXXX XXXX and repairing and crediting the transfer of XX/XX/XXXX, acted in bad faith, violated, once again, the contract between the parties and caused harm to XXXX XXXX XXXX | XXXX XXXX at the eve of the XXXX holidays. Therefore, XXXX XXXX XXXX | XXXX XXXX reserves the right to take such legal actions as necessary against Bank of America to obtain, right and reasonable compensation for the harm unduly caused by Bank of America, if a reasonable resolution is not reached by the parties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
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: On XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX fraudunletly charged my card in the amount of {$6100.00}. XXXXXXXX XXXX XXXXXXXX is in Violation of 29CFR 2580.4 the charges were for fraudulent, misleading and ambiguous services and the contract misled and constituionally damaged me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92019
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: During XXXX Bank of America offered payment assistance. One of three or four options was to put the debt on the back of the balance and pick up where you left off. Thats the one I chose. Money started coming in and I made my regular payments after a while. When I said its ok to put the debt on the back and let me start paying again They said that particular option didnt exist anymore. Anymore? Thats the only way I could have afforded to repay it. So they want me to re-qualify for a loan I already have? So faxing them this and that, its never enough Then it stops. I dont hear from them, no mail with return service. Now they are suing me for the money the government says they can not make me liable for in one payment ( Cares Act ). Just received a final judgment against me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: I have repeatedly sent three XXXX in accordance with BOA 's own instructions and policies. The law requires they answer within 30 days. They typically take months to reply, which is a deliberate delay tactic. It is also illegal. I have repeatedly requested a simple YES or NO answer to the following question : Does Bank of America have the original wet ink signatures and original loan documents in their possession? They refuse to answer that simple yes or no question. They refuse to give me a simple " yes '' or " no '' answer. Upon information and belief, they have lost or deliberately destroyed the original documents, which they are required to maintain as a matter of law. I have also asked " if you have these documents in your possession, where can my representative go to review them? '' Of course, they refuse to allow inspection. I believe this is because they do not have possession of the originals. FAILURE TO ANSWER AND/OR ALLOW REVIEW OF THESE DOCUMENTS IS A CLEAR VIOLATION OF CONSUMER AND LENDING LAW. I have a legal right to this information as it directly affects my consumer mortgage loan with the company. BOA continues to commit the same fraud they have been prosecuted for in the past by the Federal Government. They previously settled those government claims and entered into agreements to cease such illegal practices. Yet they continue their willful illegal activity. Bank of America has a known and proven history of falsifying many mortgage documents for the express purpose of harming consumers like myself. Please assist me on demanding a TRUTHFUL ANSWER to the basic question : DO THEY HAVE THE ORIGINAL WET INK SIGNATURES AND DOCUMENTS? YES or NO? If yes, where are the documents stored for review?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: 50 States wide illigal deeding issuing frauding me and my families documents. families documents in medical They FRAUDED XXXXXXXX XXXX XXXX XXXXXXXX transcripts and XXXX XXXX XXXX XXXXXXXX transcripts Herds listed as security guard scams against my 1 security guard card Land development ideas inserted my documents as land development ideas and towns XXXX and as departments and schools and colleges and professors Herds of fraudulent attorneys and lawyers and judges frauding me and my families documents Herds of imposter identification population identification scams frauding me and my families documents in XXXX and in Sec.gov i only had 1 registration thru XXXX ( first was under XXXX then XXXX ) I am divorced out from XXXX XXXX XXXX of XXXX XXXX In He was a XXXXXXXX XXXX XXXX XXXXXXXX XXXX I won't authorize all 16 Countys wide listed in California to fraud my documents or as subdivisions there wanted for illigal deeding using my Cole documents and as add ons to my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 506XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have XXXX credit cards with Bank of America- XXXX and XXXX. I mistakenly made a {$600.00} payment to card ending XXXX, which caused an overpayment of {$600.00}. On XX/XX/2024, I called customer service and requested for that payment to be moved from card XXXX to card XXXX. However the representative stated to call back tomorrow since the payment is still pending. On XX/XX/2024, I called back and requested a refund of {$560.00} ( {$600.00} less a {$35.00} charge just made ) and was told that it takes XXXX business days. Note : I did request that BOA transfer the payment to XXXX but was told it would take XXXX billing cycles which didnt work for me. As a result, I requested a refund. Its been XXXX business days and BOA made the decision to not refund my money. My payment is from a known source and the bank account sourcing the payment has been used to make past payments on both accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78148
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A