Date Received: 2023-10-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi back when covid 2020.everyone was getting unemployment .Its probably my fault I was suppose to show proof ofu identity and I did not have my id .so I finally got my birth certificate and went and got id by that time they froze my account and I've been trying to get back in ever since and just keep getting the run around .boa says XXXX froze my account for me to contact them it's impossible to get some one to help you then I find out that only the bank can freeze or close an account. I haven't had any luck getting my funds that were still in there almost XXXX $ .I would like if someone could help me.ive been trying to get my funds for almost 3 years with no help from bank of America .. my account is not fraudulent I have my birth certificate & California id now and would like to know if there is anything I can do to get my funds back Thank you XXXX XXXX XXXX XXXX is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95691
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 or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My phone and wallet were stolen. Since the initial claims were submitted, I have not been given one solid reason as to why the claims were denied. The agents on the phone do not know anything and can not explain anything or guide along the process. I have also tried to send multiple rebuttals for each claim and they still have not been able to refund the fraudulent transactions on my account. It has been several months now and every time I speak with them over the phone, they have no idea what is going on. I have given sufficient evidence and explanation to support my claims and they have not requested any further documentation from me to support my claims. I have provided multiple documents including police reports, letter to FTC, proof of identity, and many more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92620
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Currently banking with Bank of America, they gave me a couple of charges over the years I have being a client with them. Specially when low founds, even when I when a head and deposited the money needed to cover the transaction. They also " process '' transactions in a odd way and I feel like they are double charging on some transactions or causing my account to drop to insufficient founds. for example my wife might spend XXXX on XXXX, the mobile app will show XXXX but under processing, so I " know '' I have XXXX less on my account and it does reflect a total amount minus the XXXX so I do my spending, but by the time it " process '' there is less money than expected even do I took in consideration the minus XXXX like if they took the XXXX again and then when processed another chunk. I read about the complains other people has had with them, and I thought that it was just me thinking I was wrong with the fees and the way they Process transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 880XX
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: During Covid my informations was compromised and someone activated my card And used my funds which I thought I was receiving direct deposit but never was I ever
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48205
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX The Consumer Financial Protection Bureau closed a complaint, CFPB # XXXX that is still pending. The bank has written that it is investigating the matter. See attached letter from Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Someone used a fake id and opened a Bank of America checking account, committing check fraud, in my name, which has me in XXXX & XXXX XXXX. Id like to get this investigated and removed & cleared from debt and fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32818
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I recently filed XXXX claims with Bank of America claims division. After passing policy for time length to investigate and respond, the bank denied my claims. I followed up with submitting documents to support my position that I was never present or had any knowledge nor approved such fraudulent transactions to occur on my account. The documents where supposedly reviewed and taking inconsideration, but once again denied. My documents I provided show that I was legally retained and in custody at the time of all such transactions, and being held in the California Department XXXX XXXX had no ability to have any communication with any one period. The bank stated because additional cards, XXXX additional to be exact, were mailed and activated using my credentials, therefore I approved or had knowledge of and was once again denied. There proof when asked that I had knowledge or received the cards, was XXXX pages document one explaining the claim denial ad second page with XXXX sentences stating what I just mentioned above. I submitted more than proficient about of proof supporting my claim and have more legal documents if needed, yet there proof to what information was obtained and used in the investigation was partially and insufficient. I feel that not proper methods of investigating and evidence or lack of was used to deny my claims and is an excuse to not refund my money which bank of America allowed to ve stollen and used. Please help reclaim my XXXX .us dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wired money from my credit union to bank of America and they won't release my money, this is over three months old.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34957
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A