Date Received: 2023-10-08
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: My XXXX score is XXXX. I attempted to secure an XXXX XXXX XXXX card from Bank of America three times. Every time their customer service people told me the card would be delivered to the address I specified. It never was. So, six weeks ago I told them to cancel the card and refund my {$95.00}. Once again, they did not do it. After being on hold for over 3 hours, they finally told me it would be done two weeks ago. It still wasnt done, so I promised to file a complaint with the CFPB. They still did not refund my money. This is a predatory and dysfunctional bank that should be sanctioned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I called Bank of America which is the issuer of my California EDD Account 3 months ago and filed a complaint telling them that I never received my card. They informed me that a card was activated and all of the money on the account was spent. I told them that this wasnt me. They asked me to send in documents and I did that. I filed a police report and sent in my ID, they told me it would take 90 days to reach a conclusion. So when I called in last week they had no recollection of any of this. They made me start a entirely new case and get a NEW police report. I have now went a year without receiving my benefits because of the incompetence of Bank of America. It is totally unfair for me to have to wait another 90 days to reach a decision. Both of my claim numbers- XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a bank of America Allegiant visa signature card on XX/XX/2023 and got denied. I have the right to credit. Denied access to my verified account Withholding my access to my securities is securities fraud. You are violating the equal credit opportunity act and consumer credit protection act. Denying me access to my credit is discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank of America Customer Service Department XXXX XXXX XXXX XXXX, FL XXXX Subject : Urgent Attention Required for Compromised Account and Legal Matter Dear Bank of America Customer Service and Risk Team , I hope this letter finds you well. I am writing to bring to your immediate attention a matter of great concern regarding my accounts held with Bank of America under my credentials. I recently discovered that my accounts have been compromised, leading to unexpected issues that require urgent resolution. I want to emphasize that I have not provided any sensitive information that could have led to this compromise. As per banking regulations, I understand that banks are not authorized to close accounts solely based on an individual 's inability to comply with the data breach and scamming system. It is with regret that I inform you that, due to these unforeseen circumstances and what appears to be a breach of proper bank protocols, I feel compelled to pursue legal action. According to my understanding of the situation, Bank of America and XXXX XXXX XXXX may be liable for damages resulting from this incident. I have consulted with legal counsel, and we are prepared to file a lawsuit seeking compensation in the amount of {$3.00} XXXX to cover the losses incurred and the distress caused by this situation. I sincerely hope that we can resolve this matter amicably and promptly. I am more than willing to cooperate fully in any investigation to identify the source of this compromise and to strengthen security measures to prevent such incidents in the future. I kindly request that you treat this matter with the urgency it deserves and initiate the necessary steps to address the security breach and prevent any further unauthorized access to my accounts. Thank you for your prompt attention to this matter. I anticipate a swift and satisfactory resolution. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I selected dining as the three percent bonus category for my XXXX cash rewards card. However, multiple purchases made from XXXX to XXXX did not receive the 3 percent bonuses. I have called the banks customer service line many times but none of them were able to provide a clear answer. Some said the system is experiencing backlogs while others said the bank failed to identify the correct category at the time of purchase. None of them helped me resolve this issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: My XXXX XXXX XXXX was charged for about $ XXXX some transactions I didnt made or authorize. I filed a claim and it was denied with no reason. I told the bank of america i was on XXXX XXXX at the tine those transactions where made but that wasnt enough to prove it wasn't me who did the transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Bank of America Cash Back Credit Card promotion for double cash back from XXXX XXXX - XXXX XXXX on certain merchant accounts ( XXXXXXXX XXXX XXXX XXXX ) that were already having 10 % back promotion. Therefore, it is expected by customers to get 20 % back on card. However, with this XXXX merchant account, they didn't honor that when I used the mobile phone application to pay for the order. So, they said that was not eligible for the double cash back promotion. I called and they showed where that was written in the promotion restrictions at very bottom of disclaimer statement. So, I don't deny it is there, but print is made purposely smaller than rest of print higher up on disclaimer which means they make it harder for people to read it. They want to motivate people to come into merchant location physically and make an in-person purchase using the card. I definitely know now, but it wasn't as obvious and clearly defined as it needed to be and I feel I was deceived into thinking it was ubiquitous to all merchant purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My debit card was stolen unauthorized transaction of a total of {$1900.00} was made.I had gotten a check from the irs and then suddenly someone used it on a betting website XXXX I have contacted Bank of America I made a claim I want it to reimbursed my account was seized I changed everything from passwords to locking my card and requesting to get a new debit card. I have a pending date until to hopefully return my funds back to me. I contacted Bank of America they told me I have to wait 10 business days until then the fraud claim was made on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07032
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In 2017 my Bank of America credit card account was discharged in bankruptcy, and then closed, payments were NEVER LATE. Bank of America keeps indicating to the Credit Bureaus that the credit card account is Delinquent, which is inaccurate. Due to the inaccurate information provided by Bank of America to the credit bureaus, the credit card account keeps being marked as Derogatory and the Bankruptcy filing date reported as Date of Delinquencies, which is inaccurate as well. I'm attaching bankruptcy documents and recent reports received from Credit Bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85008
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Attention Consumer Financial I am XXXX XXXX XXXX I am writing to gain some assistance regarding the issue below that pertains to issue with my Bank of America Credit I have been a Ban of America credit client for over 17 years. Throughout that course of time, I maintained a healthy and respectful account as a client ( NEVER MIND LATE WITH PAYMENTS, ALWAYS PAY AHEAD OF TIME, PAY OFF ENORMOUS BALANCE ) I am the ideal consumer/client Recently, Bank of America decided to lower the credit limit from XXXX $ to XXXX, i have strived to connect with their service for this issue, but they have been unwilling & more so dissmissive They lower my credit limit due to the following Not using the account Enormous balance ( I have XXXX loans, and I have dual XXXX XXXX ) A recent delinquency ( 12 Weeks ago, some vendor charged my XXXX XXXXXXXX account without my awareness, and XXXX XXXXXXXX did not notify me about such charges, I did not receive a statement highlighting such balance. I found this delinquency through my credit report ). XXXX XXXX corrected the issue, removed the charges, and reported this issue to credit bureaus as NOT Delinquent. Moving forward, Bank of America failed to communicate with consumer to express their concerns regarding my inactive usage of this card. Other credit card companies do so. Bank of America has no respect or value for consumer. They operate on a malicious basis and they deviate financial consumer protocols regarding card sevice/consumer relationship I explained to them I paid XXXX $ on this account in 2022 and I wanted to use the card only for emergency purposes moving forward. They failed to take that into account and decide to use that as reasoning to lower credit limit. My credit will show I have student loans as an outstanding balance along 100 % on-time payment with credit card and my car loans. I apologize, I had to take multiple loans to fund my two XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Through good times, bad times, and terrible times, I have maintained a healthy and wholesome account with BOA, and I have NEVER been LATE with payments or defaulted on my account. During covid when consumers faced a financial crisis and in that time i became a victim of identity theft/ I was still able to maintain a healthy account with BOA , made my payments on time Bank of America failed to listen to my concerns to restore my previous credit limit. They are dismissive, unable to get in touch with, return consumers ' calls with intricacy to ascertain their voice messages, and provide inept return call contact. I believe this Banking service needs to be investigated for inferior and unethical services they are housing and condoning on a regular basis. I would an investigation into this matter with a resolution. Here is some consumer feedback regarding bank of America XXXX XXXX XXXX XXXX XXXX XXXX https : XXXX Ps- I have attached the police report showing i been identity theft Sincerely XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11003
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A