Date Received: 2024-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a Bank of America VISA Travel rewards card.The card is meant to be used during travel.I am in XXXX and have been using the card to make purchases. Some go through and others i have to call their helpline number and get the transaction validated. Today ; i tried to make a purchase and it failed. So i called their number again. The lady asked me a few details to confirm my identity and asked me ti retry the transaction. After i retried the account got locked and wont allow me to do anything or even pay my due bill. They are asking me to visit a BOFA branch in person with two copies of proof.This is not possible since i am in XXXX and not sure when i will go back. Date of Transaction : - XXXX XX/XX/2024 ( maybe it was XXXX in the XXXX ; in XXXX it was XXXX ) Merchant : - XXXX Amount between XXXX $ and XXXX $ depending on local or USD. The issue are as follows : - 1.The helpline operator shouldn't have asked me to retyr the transaction without being aware of the ramifications in the first place. 2.They wont allow me to pay my card due amount ( around XXXX $ ) so that i wont incur interest in the meantime. 3.They have no alternatives or workarounds ; when this is their issue to begin with in the first place. 4. All i want to do now is close the account and pay my due so that it doesn't incur interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18411
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: They called my cell and said they were sewing me for bank America for an old overdraft account which I did not have. There phone number is XXXX there name is XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2024-02-07
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: Privacy issues
Consumer Complaint: Per the Privacy Act of 1974 and the Fair Credit Reporting Act, 15 USC 1681b, 604 Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates, 15 USC 6801 protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. As well as 15 USC 6802 Obligations with respect to disclosures of personal information, ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. As a federally protected consumer, I am now and in the future opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non verbal as per 15 USC 6802.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XX/XX/2024 Bank of America Dear XXXX , lam writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency. List Incorrect Names & Addresses List Erroneous/Inaccurate/Fraudulent Account Names Account Numbers This letter is a formal dispute and request for investigation under the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 et seq. The FCRA mandates credit reporting agencies to maintain accurate information in consumer reports. The following provisions support my dispute : 1. 15 USC 1681e ( b ) - Accuracy of information : This requires credit reporting agencies to ensure maximum accuracy in consumer reports. The inaccurate names and addresses negatively impact the accuracy of my credit report. 2. 15 USC 16811 - Duty to Investigate : This provision obligates credit reporting agencies to conduct a reasonable investigation when a consumer disputes the accuracy of their credit report. I request a thorough investigation into these inaccuracies. 3. 15 USC 1681c - Disclosure of Consumer Reports : This stipulates that consumer reports should only include relevant and creditworthiness-related information. The inaccurate names and addresses do not contribute to an accurate representation of my creditworthiness and should be removed. I kindly request that you investigate the accuracy of the names and addresses associated with my credit report, remove the inaccurate accounts, and provide me with a free copy of my updated credit report. Failure to address this dispute may result in legal action as permitted by the FCRA. Thank you for your prompt attention to this matter. Sincerely, XXXX ( PRINT Your Name )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76549
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After Bank of America closed my checking account on XX/XX/2024, due to fraud, my next electronic paycheck from XXXX was sent to my closed checking account on XX/XX/2024. XXXX re-sent the funds to my new checking account number sometime between XX/XX/XXXX - XX/XX/2024. I have the amount that was sent and a receipt from XXXX in e-mail, but Bank of America will not deposit the funds in my new checking account. I have been to the bank on numerous occasions in order to access the funds from my electronic paycheck from XXXX without success. If the money is not in my account, I am blamed for it! No one makes an effort to find the funds from my electronic paycheck that was supposed to be deposited in my new checking account. My XXXX at XXXX used to work for banks for 27 years, she understands how to send the electronic funds to my new account at the bank. My new checking account number is XXXX. The address of the bank that will not assist me with access to my paycheck is XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I discovered that credit returned on my credit card for the total of {$2100.00}, XXXX had disappeared so I contacted Bank of America and they said my money had been sent to unclaimed credit. I spoke with XXXX or XXXX in the unclaimed credit department on XX/XX/XXXX who put in a request to send me a cheque with my remaining credit balance. They said that it would take 8-10 weeks to receive my cheque in the mail. On XX/XX/XXXX I received a letter in the mail here in XXXX, XXXX requesting to sign for release of my funds. I signed it and sent it to the Bank Of America headquarters. I then spoke with Bank of America on the phone about this and they stated that they would now proceed with my request to release my funds to me. After just over 10 weeks on XX/XX/XXXX I requested a call back from Bank of America to determine an update on the release of my funds. They had not even processed the release or sent me my cheque. The customer care representative XXXX put in a request to expedite my request. On XX/XX/XXXX after I received an email requesting to update my address ( that they already had on file from when they sent me the release of funds letter ) I called again for another follow up and spoke with XXXX who informed me that my cheque had still not been sent and that he would send me another letter to sign for permission to release my funds. He told me that there could be an issue with my foreign address, but yet I have been trying to get my own money from Bank of America for over 3 months now and it seems as if no one has even worked on my case. I would now like this matter to be taken further. The customer care representatives have been wonderful to deal with over the phone. I do not believe that the incompetence is on their behalf. I believe it comes from the head office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: During a hardship, my bank was informed of my situation and was receiving arrangement of payments. Payments was made as agreed, but apparently it wasn't good enough. So, they transferred a week and a half of my income to my credit card account to make it current without my authorization. Then, in return showed me no concern when I mentioned that I was never late until this unexpected time in the economy. My hardship is fuel by inflation and a extreme decrease in my rate of pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29016
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I requested proof bill payment that cleared my checking account on XXXX in the amount of {$120.00} to XXXX XXXX XXXX. I have made about a dozen if not more requests. I keep being given the run around. I have asked them to fax it to XXXX XXXX XXXX or email it to XXXX or upload it to my secure messages in my bank of america account. They refuse to. They so they will do it, but NEVER do anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
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: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: So I received a notification that someone tried to send an application for a credit card on an XXXX XXXX, XXXX XXXX XXXX Credit Card and I told them that there was fraudulent use of my SSN. This happened on XX/XX/2023 and I only received the date it was submitted but nothing else such as location and time. Currently someone checked my credit report through XXXX XXXX.
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: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/2023 I was traveling with my son thru XXXX XXXX CA.I needed some cash I couldn't find a XXXX atm so I use a bank of america atm i made one transacion requesting {$200.00}, the atm dispense the money but I couldnt reach the money and by the time I unbuckle my seatbelt the atm retracted the money, the screen start idling and then it said WAIT and the transacion got cancel, after that I stared another transacion and was able to get money ( XXXX ) but, when I check my XXXX XXXX acct., it was 2 charges of XXXX each.I called XXXX and made a claim Chase refund me the money pending and investigation .XXXX denied the claim and deduct the money from my acct. I called Bank of America costumer service and they said that they can't help me. I wrote letters to Bank of America corporations and I got the same answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91732
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A