Date Received: 2023-10-06
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I am a XXXX citizen. I have been a victim of identity theft. My cell phone number was stolen and transferred to a new cell carrier. Then the scammers contacted all my credit card companies to obtain new cards with the changed info. They were able to obtain my XXXX and Bank of America cards. They changed my contact information so that now I can not access my own accounts. For my XXXXXXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX., I called the fraud dept and they took my new information and cancelled my old cards no problem. They assured me I'm not responsible for the fraudulent charges. The only trouble I have had is with BANK OF AMERICA. They refuse to even confirm there are unauthorized purchases on my account, they will not share any information about my card, or close my account unless I PHYSICALLY GO INTO a Bank of America with 2 forms of ID. I live in XXXX XXXX, Colorado. Nearest Bank of America is XXXX miles away. I am a senior and can not complete that drive. I'm fearful of the charges being made on my account with no way to resolve it. Today, I received a letter in the mail from Bank of America. They said there is suspicious activity on my card and they've been trying to reach me. I have been calling them everyday, and they have refused to take any action. So, I called them again today XX/XX/23. They said the address on my account was now listed as Florida. But, I live in XXXX XXXX, Colorado and their letter was sent to my long time address there, they customer service person couldn't explain why. Each customer service person I have spoke with is not interested in helping me resolve this issue,. Not only are they not concerned about the impact on me, their long time customer, they are rude, and uncaring. I have offered to go to the police to provide proof of my identity, or the postal office, or another reputable bank in my town, all offers we denied. I feel these practices are predatory for seniors and people in rural areas. Again, I haven't had this trouble with my other credit card providers, who have been cooperative and understanding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81501
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have a bunch of unauthorized charges on my account that were disputed almost 2 years ago. The bank must have closed out the claims without doing an investigation because they reopened it on their own. It was ordered by a judge that they reopen our claims that they closed without investigation and that if they couldn't resolve the claims within 10 days that they issue a provisional credit. For some reason I still have not received that provisional credit and the bank is claiming that the " credits are granted at the liberty of the back office '' which is crazy considering it's literally the law that if they can not resolve the claims they're legally obligated to grant the credits. I've been waiting over a year for them to resolve the claims and I've had to create another claim which also has not been granted a provisional credit or resolved. I'm out over XXXX dollars I have nothing my bank account balance is literally {$0.00} and they have " filed multiple complaints '' on my behalf to the back office, scheduled me for multiple call backs that I never received and still no resolution so I'm just out of the money that was stolen from me and they are above the judges orders I suppose. I'm not sure what I'm supposed to do at this point but I have spoken with everybody I could at that bank and nobody has answers for me other than we just have to wait for them to finish the investigation which is still going on a year later. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95993
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been trying to remove an Bank of America account from my credit report. The account was closed in 2014, yet it shows incorrect information, and everyone I try to talk to about fixing this just blames someone else and then nothing gets fixed. I do not understand how to go about removing this from my credit report, yet everyone agrees the information is incorrect. No one can even find me in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, There was a Bank of America hard inquiry reported to XXXX XXXX that I dont recognize! This was unauthorized by me and I dont recognize it. I need this inquiry removed!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33844
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX Bank of America offset my business account {$2100.00} in order to cover a closed credit card I previously had with the company that was never on auto pay. I called Bank of America to request my funds back, letting them know this practice was illegal and they insured me it was legal and my funds would not be returned. They told me right to offset was in my account agreement. I asked them to send my account agreement which they agreed to do but never sent. On XX/XX/2023, after receiving my federal financial aid, Bank of America offset my personal account for {$5000.00}. I quickly contacted them requesting the funds back and they told me they would not return the funds. I again told them this was illegal and they argued with me claiming it was legal and in the agreement, terms and conditions. I asked for it to be sent, again, they never did so I found the agreement and disclosures on their site. While on a recorded line, I read to the manager Bank of Americas agreement and disclosures documents which states the following : We may take or setoff funds in any or all of your accounts with us and with our affiliates for direct, indirect and acquired obligations that you owe us, regardless of the source of funds in an account. This provision does not apply to IRA or tax-qualified retirement accounts, to consumer credit card obligations or where otherwise prohibited by law. I repeated to the manager that the document stated this did not apply to consumer credit card obligations or were otherwise prohibited by law. Her response to me was I dont know what youre reading but its legal. Bank of America has just been fined {$1.00} XXXX because they continue to break the law with no regard to their costumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have had an account with Bank of America since XX/XX/XXXX ( XXXX, Florida ). In the past few months I have experience a number of difficulties with them involving XXXX day delays in failing to take action on items requested. The latest one involves a payment to XXXX XXXX XXXX I tried to make in the amount of {$20000.00} on Monday, XXXX XX/XX/XXXX. Bank of America instructed me they would not be able to make this payment ( my account had MORE then the necessary funds to make it ) until Friday, XXXX XX/XX/XXXX. Friday, XXXX XX/XX/XXXX, has come & XXXX is here. Bank of America has failed to make the {$20000.00}. payment although my account is at $ XXXX and there are no outstanding checks being held against it. I have tried to contact Bank of America thru eMail, telephone & thru their website. All attempts have been fruitless. This is another complaint I have against Bank of America. They are extremely difficult to contact. Even when FAXING THEM, it appears they either disregard the fax or never acknowledge getting it, even though my fax machine tells me the transmission was " OK ''. I want Bank of America to become more responsive to my requests and provide me an explanation of WHY they did not make that payment I scheduled to XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: During a flight on Spirit Airlines, I was offered a credit card application. I was told that I would receive XXXX points just for getting the credit card. Additional points could be earned by using the credit card. After receiving the credit card and using it, I noticed that I only had XXXX points in my account. I contacted Spirit Airlines / Bank of America and explained the situation. They noted my issue and sent me a letter via U.S. postage. In the letter, it explained that my account balance was correct. There was no explanation. I contacted Bank of America to cancel the credit card. They then told me that I needed to spend {$1000.00} in the first XXXX days to get the XXXX points. This was never explained or called out in the application. I feel taken advantage of by Spirit Airlines. I spent considerable time unfreezing my account, applying for the credit card, and using their airline in order to earn additional points. I do NOT trust Spirit Airlines any longer. I'm going to switch back to Southwest Airlines for my regular fights along the XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92129
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited cash of {$5900.00} on XX/XX/23 and the money has not reflected on my account for over XXXX months. When I ask the bank customer service and bank branch they say they are not able locate the funds and gave me no reason to where my money went. I have tried them many times and have received to positive response. The money was deposited the financial institution that Bank of America at Address : XXXX XXXX XXXX XXXX, XXXX, TX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
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: XX/XX/XXXX purchased refrigerator, ,never received refrigerator, ,no response from company, ,BOA shows me no proof of delivery doesn't return emails or phone calls when promised, ,I have been with this bank for over XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
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: Fraud or scam
Subissue:
Consumer Complaint: My family and I have been scammed by this online car auction site based out of XXXX XXXX, Iowa called XXXX XXXX XXXX When we found their website in our search for a vehicle, they claimed to have been in business since XXXX yet they have zero reviews or testimonials that I could find, save for a couple very old forums that left positive reviews. The Iowa Attorney General shows no such company in their database but they also showed 0 complaints as well. No listing was found in XXXX when we first started dealing with them. The way their 'site ' works is by claiming to be a repossession company - online auction for cars, boats, RVs. I won a XXXX XXXX XXXX XXXX ( along with a few others we bid on ) and the site sent us a winning bid notification after blowing up my phone with calls, all from the same woman 's voice. Her voice is also the same voice on the answering service, which we didn't hear until later when we were trying to get hold of them. ( They even have you create an account on their website and submit your drivers license to be able to bid on the auctions. As far as scams go, its pretty sophisticated. ) They then sent us a bill of lading after the transfer and said they handle shipping and that the cars are sent out by their own staff over the phone. After we sent the wire to the account and address on the invoice, the company then sent a follow-up email confirming receipt & shipping confirmation, with expected delivery date : Friday, XX/XX/XXXX, between XXXX XXXX - XXXX. By this time, I googled the company one more time because the paperwork looked a bit suspicious and found this forum post not even 24 hours old at the time XXXX XXXX XXXX XXXX You will see others now finding out about this recent scam as well. ( And that we'd sent a {$50000.00} wire for another car we'd " won '' that I was luckily able to cancel because I'd scheduled it for later the next week. ) We played phone tag with this scammer woman and I now know based on on-line forums that this company had also scammed other people that same week and can now confirm no one who participated in the auction received their respective vehicles. We managed to get hold of her one more time when the car no-showed on the XXXX and she started to say that the car was no longer available and that there was a " problem ''. SURE. The problem was that she was a scammer! She had the audacity to say that they hadn't received the {$50000.00} either for the other car. She then began to say that they would send " another '' car in place of the XXXX ( obviously buying more time,. there was no other car ), but we cut her off and said we weren't interested and to return the funds. She then said that the funds would be refunded, and this is a direct quote from her email : " Dear _____, Please note that we have registered your request, and your refund proceeds will start on Monday, XX/XX/XXXX, and your payment will be fully refunded in XXXX hours to the same account from which the transfer was sent. Sincerely, XXXX, XXXX XXXX ( XXXX ) XXXX Monday to Friday - XXXX XXXX - XXXX XXXX '' It's now Friday, XX/XX/XXXX, and of course no funds have been returned and our follow up emails have been ignored. I had filed a case with my bank but they said that because we initiated the wire transfer it's our fault and they won't cover it. And Bank of America, the bank that received the funds, will not return them. I would like to file a complaint against Bank of America for protecting scammers and keeping our hard-earned funds instead of returning them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A