Date Received: 2023-10-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My XXXX XXXX I've been paid XXXX since XXXX there are MANY TRANSACTIONS THAT I HAVE NOT DONE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95687
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: The company false flagged my account and I do not have access to my funds. I am unable to complete transfers. I saw this from the online mobile application I am a Bank of America _ Prepaid customer receiving deposits from the EDD and the state. The first representative XXXX Colorado in card protection told me that an address change was done on my account. I told her I do live at the address and the EDD added a XXXX. I was like I am not sure if the XXXX needs to be there but I will check to see if it pulls up with the XXXX included. It was no real change. She refused to unflag my account. XXXX Supervisor refused to unflag my account and then blocked my online access.. I was no longer able to see balances in mobile banking. Cutting and restricting my access. The bank of America representative refused to unflag my account and allow me to have access to my funds and transfer my funds. I requested to speak with a supervisor cause I need to file a complaint because I should not have been flagged in the first place. I should have been notified of the hold that restricted my account. The first agent should have removed the hold once I was authenticated and identified my address. The supervisor should not have blocked my mobile access as the account was not in danger there was no fraud. Customer Service representative just giving me a hard time for absolutely no reason. I explained the situation to them and they just wanted to give me a hard time. I called back into Bank of America and received the service I should have gotten the first time. They ublocked my account and I was able to do my transfer as normal. The difference between stellar service and awful service and a complaint and a compliment. Bank of America needs to research the first caller and supervisor 100 % unacceptable and the second time I called back Winning Great Service. I am still pressing through with the complaint because it makes a difference and you all should know what people in America go through dealing with financial companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
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 purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: While traveling in the XXXX on XX/XX/2023 I was overcharged by a taxi service called XXXX XXXX. For what should have been a {$32.00} taxi ride I was charged over {$2400.00}. The taxi driver inserted my card into the reader multiple times and claimed that the card was being declined. He refused to give me a receipt and became irate when I questioned him. I did not feel safe. Two days later the charges showed up on my app and I immediately reached out to Bank of America. They said I would need to dispute the charges which I did. I was told that since I willingly handed my card to the merchant, I am responsible for the charges. They said it was not fraud. I have called the bank many times and appealed their decision. I have written them letters and have gotten nowhere. They said I am responsible to pay. I used the credit card for this reason so that I am protected against fraud or theft. I have banked with them for over 25 years, no one will listen to me. They said their lawyers make the decision. Please help me appeal this. They said if I had reported the card stolen I would have been protected against these charges. I did not give this merchant permission to charge me {$2000.00}. It is just like he stole from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11590
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11692
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX ( XXXX ) i received my first paycheck from my new employer. I used the bank of america app to deposit the check. It says on the app confirmation that it will post next business day. But then after i got home from work, i saw the email confirmation says next business day then XX/XX/XXXX under it. Which is obviously not next business day. I called the next day ( XXXX ) on their client support to get clarification about the release date, and they said XX/XX/XXXX. I asked why, and the person said it is my first transaction on the account. She said she will escalate and i will get my money XX/XX/XXXX, instead of the XXXX. I reviewed my account and realized i have prior transactions on the very same account including a check deposit last XX/XX/2023. Which means the last person i talked to was lying. So i called again ( XXXX ) and the person i was talking too is now saying that they put on hold randomly. That is now a different information. Then i asked for a valid document that they can get me that says they are authorized to put a XXXX business day hold on my salary whenever they want to with no reason, but they can not provide me with any. I sent a complaint to XXXX, and bank of america contacted me XX/XX/XXXX ( tuesday ) asking me to wait XXXX days for a resolution. She called me today XX/XX/XXXX ( wednesday ) letting me know that she can not help me. She told me all checks needs to be signed at the back, and none of my checks were signed even on my previous transaction so they kept on putting hold on my deposits. First thing is they never informed me about that thing that i was missing. The first time that i did it wrong, they put a hold of my money, but they wouldnt tell me that signature affects my transactions. Then when i asked if it is the only reason why my checks are depalyex, she said there are a lot of reasons she couldnt tell. So still, they are outting hold on my money and they wouldnt tell why. She kept on educating me what to do but not willing to resolve my issue. I did the deposit with enough time for it to deposit considering i really really need the money to oay for my insurance and car. Today, my insurance policy was cancelled because they are putting hold on my money. Very inconvenient and they couldnt explain me why. Id like to file a formal complaint because they are not willing to help me, but just save their XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: XXXX XXXX letters from Bank of America. XXXX letter states they received XXXX applications for a Visa credit card so they are cancelling the XXXX application. The letter did NOT include a phone number to reach out to them for any questions. The XXXX letter states they can't approve the request due to other factors including No deposit or investment balances with Bank of America. Again, they did NOT include a phone number to contact them with questions. I had accounts ( banking and credit cards ) with them about XXXX years ago but closed them all as I was unhappy with their customer service, fees for paper statements/teller transactions and interest rate that I deemed too high. It appears they have kept me active on the marketing side which should have been deleted. When I went into the branch to close out all of my accounts, I specifically told them to remove me and my wife ( who was with me ) from all mailing lists and not to contact us in the future. I was not sure if the application letters were legitimate as there wasn't a contact phone number, until today when the inquiry showed up on my XXXX credit report. In my opinion, they breached my private information by sending out marketing material.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
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: Account information incorrect
Consumer Complaint: I called Bank of America today XX/XX/2023 and spoke with a representative they did not have an account for me. Ive never had an account with Bank of America. They could not find me in their system. It's been reported to my credit report for over one year. It has stopped me from getting approval for an apartment. I'm applaud that a company of such magnitude would be violating my consumer rights. As of 15 Us code 1681-2 they should not be reporting information with actual errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
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: Account information incorrect
Consumer Complaint: I called Bank of America today XX/XX/2023 and spoke with a representative they did not have an account for me. Ive never had an account with Bank of America. They could not find me in their system. It's been reported to my credit report for over one year. It has stopped me from getting approval for an apartment. I'm applaud that a company of such magnitude would be violating my consumer rights. As of 15 Us code 1681-2 they should not be reporting information with actual errors.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
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: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: my bank of America customized XXXX XXXX XXXX was suspended for suspicious fraud activity for more than 5 times. i visited financial center as requested then they unblocked it. one week after my visit, they suspended again, asking me to again go to a financial center. the fraud ops department refuse to transfer to a supervisor when i asked them to, stating it their policy that you can not speak to a supervisor. im so mad what they are doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94107
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a bank of america checking account and credit card. Approximately 6 months ago, I transferred {$20000.00} from my XXXX investment account into my checking account which I intended to then transfer to pay off my credit card at Bank of America. Bank of America immediately placed a hold on my {$20000.00} deposit so that I was unable to transfer it to pay my credit card. I called and was told I needed to go in person to the bank. I did so the following day, to the XXXX, WA branch and was told I needed to come back the following week when a specific manager in the fraud department was available by phone. When they mentioned fraud I immediately checked my account and saw no fraudulent activity whatsoever on my checking or credit account. I returned the following week and was questioned by the bank fraud manager on the phone, XXXX, about some of my past purchases and whether they were valid. My daughter was in the room with me answering questions as well as the credit card account is a joint account with her and I and has been for many years. They asked multiple questions about various charges which I answered and was told by XXXX that they would be releasing the funds shortly. To date, the funds have still not been released and it is over 6 months. I still receive my pension amount in my Bank of America checking every month however Bank of America has blocked my credit card and debit cards so that I can not use any of my money that I continue to receive. In order to use my money I was logging on to transfer money to my daughter 's account and getting it from her. Now Bank of America has blocked access to my online account. I have tried calling XXXX multiple times but have been unable to get a hold of her or anyone who is able to help me. I call the general number and am told they can not help me and I need XXXX specifically. I am XXXX and need the money that Bank of America is blocking. Again, Bank of America still to this day has not released the hold on the {$20000.00} and I do not know what to do to get the money back. As a result of the hold of this money, I can not pay off my credit card with Bank of America and they continue to issue extreme fines which is costing me thousands. Yet they refuse to release the hold on my own funds so that I can pay it back. I have no idea what to do, and now I am even unable to access my pension money to live.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98029
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A