Date Received: 2023-10-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Hi I been loyal to Bank of America over seven to a year now. But now I cant trusted overall I will like to see if there any of over charges, over fee. Past all those years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I set up financial relief payments XXXX of 2023 for two credit cards with Bank Of America. I also provided new banking information during this set up. On the day the two payment should have been taken out, I was informed that they did not go through. BOA used my prior banking info saved from over a year ago instead of the new account info. I provided the same correct banking info that I previously provided and the payment went through the next day. Day after this, both cards were reported late on my credit report. ( 1st late payment in over a decade due to their error ). I then called to discuss this. A rep that was very short and rude assisted me. I requested to delete the payment arrangements made and take my billing info out of their system because of this issue. While this was done, Bank Of America took it upon themselves to close both of my accounts without approval, authorization and did not inform me this would happen whatsoever. Thanks to Bank of America, my credit tanked and I am now in an irreversible situation all because of 2 reps that 1- used wrong banking info and 2-closed my accounts without ensuring I would be made aware this would happen. This is not only bad business but internal credit fraud in my opinion. A Bank of America rep should not have the power to affect peoples lives without their consent or acknowledgement like this. In no way shape or form would I have closed my accounts if I knew deleting an arrangement that I requested be set up would close my account. I set up this arrangement to avoid late reporting to credit agencies and did everything correct to avoid this, and that did not work. I have no idea why you can take a payment from a consumer and report them late the next day, as if your systems don't talk to each other. I have no idea what can be done at this point but I expect a call back from someone and will be escalating this to everyone necessary. Thank you in advance for your help. If this email can avoid another one of your customers lives to not be tampered with unfairly and without their consent, then I will be happy. If my attempt to relay this awful situation to you can help to reprimand the rep that failed your company and me as a customer, again I will be happy to know I've helped someone else before BOA had their chance to destroy their credit and livelihood without concent. I am requesting the call before last be reviewed for quality assurance and future BOA rep training. Your reps need to act more professionally with customers and this kind of thing should never happen to someone in need of a little help from you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60014
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I've been banking with Bank of America for years and I've had the same savings account for around 15 years they haven't charged me any monthly maintenance fee until XX/XX/2023 where they charged me XXXX $ for not having a minimum of XXXX XXXX which they didn't send me letter or email notifying me that they would start charging XXXX $ if i didn't keep a minimum of XXXX $ or I else i would had. So in XXXX I check my savings account and realized they charged me XXXX $ for the month of XXXX, XXXX, XXXX, XXXX and XXXX. I called them and asked them why they were charging me and they said I needed to have a minimum of XXXX XXXX I told them how they didn't notify me and they didn't give me a concrete answer. I told them I would transfer XXXX $ there and then from my checking account and if they could refund the money. They only refunded me XXXX XXXX I feel as if this is unjust due to them not telling they would start charging XXXX $ for not having a minimum of XXXX XXXX I know in my checkings account I need to have a minimum of XXXX $ it not they charge me XXXX XXXX Which they did not too long ago but I'm accepting of it because I was notified a long time ago. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
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: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Bank of America XXXX XXXX XXXX is managed by two people who have multiple job labels and run this whole company which revenues {$900000.00} there are two systems that bank of America have XXXX is the claims system and the other is the fraud system there are transactions on the fraud system that are from this XXXX XXXX XXXX located in XXXX XXXX that has been rerouting my claims and my funds for a couple years. The claims department can't see these because they are recurring charges and they automatically gothru and are deducted from my account once there is money deposited in my account. I know that there is something going on because the people at the bank XXXX like they are helping me and I leave without any understanding for why this is happening to me and they try to make me feel like XXXX XXXX owe me {$60000.00}
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 explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: lien of lien release does hear by release the lien or encumbrance in the name of the debtor XXXX XXXX XXXX no longer claims a security interest what happened i received a phone call from the Bank of American Auto Loan One year later From The date of release from XXXX to B of A, My response was only the DMV letter was for an XXXX XXXX XXXX which I relocated from XXXXXXXX XXXX they insisted I had the title so I looked after 1 year the letter from XXXX XXXX XXXX XXXX for the XXXX t bird and one from said car XXXX XXXX XXXX, I never missed a payment I pay XXXX instead of the date of payment B of A bank paid the name of the transfer loan to me, XXXX XXXX XXXX ( the mistake is theirs ) as told by XXXX XXXX XXXX XXXX. I said why have you waited so long it has been 1 year what do we do now I was told to go to XXXX and have the title released the B of A, I asked why don't I bring the title to a B of A office, but I was refused and a letter 3 days later was sent to me by mail. IF WE DO RECEIVE THE PAPERWORK FOR THE CERTIFICATE OR TILE YOU NEED TO PAY THE ENTIRE ( {$9600.00} ) BALANCE BY XX/XX/XXXX THIS MISTAKE ( Wasn't ) MINE ALSO YOU ARE NOW IN DEFAULT UNDER YOUR AGREEMENT. I TALKED TO : XXXX XXXX AND MADE APPOINTMENT FOR XXXX XX/XX/XXXX fro the THE ChANGE OF TITLE, ( now I received 5 calls this week alone give me XXXX XXXX XXXX Vehicle Vin plus vehicle account number And I still Paying Payments on time even after this mess I never stopped
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
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: 2023-10-05
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am XXXX XXXX. There were multiple numbers of unauthorized transactions in my Bank of America credit card account. This is a fraudulent activity. I realized that the balance increased up to more than XXXX XXXX dollars in the past. I paid more than half of the amount. But I do not want to pay the rest of the balance. BOA keeps bugging me to make the payment on the account. They keep charging interest on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20878
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello and thank you so much for helping out, I wanted to please reach out because I havent heard from the disputes team. I attempted to make a purchase on the XXXX XXXX XXXX website, I got notification from them the card declined. I attempted again and declined. I called XXXX XXXX XXXX XXXX and they said they reset my account and to attempt the charge again, it still failed. I tried with XXXX and still no luck. I saw I was charged XXXX times, I was told these were pre-authorizations and should fall off. Ive been waiting for weeks and it hasnt fallen off and when I called Bank of America, they said they filed a claim yet havent gotten help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93710
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I have yet again ( 3rd time - previous complaint id XXXX ) on XX/XX/XXXX received email notification that BofA received an application for the XXXX XXXX XXXXXXXX XXXX credit card from me, however I did not fill out an application for any card. This time I was home and not on vacation, so I was able to address it promptly and called on XX/XX/XXXX and had them cancel it. However, they are labelling it fraud and shifting the blame to me as though I was negligent with my information. Why then, if this was fraud do I get emails announcing it and the other 2 times I actually got the cards in the mail because I didn't react fast enough and knew I had not filled out applications, so I did not think anything of it until I saw that BofA was in trouble for just this very thing. It makes no sense, if someone was applying for a card using my info then they would have the card sent to them. BofA application reference number is : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I lost my business and I was not able to pay my business credits cards with Bank of America so the collection agency made deal to reduce the interest rate to XXXX % for 60 months and after XXXX payments {$170.00} and {$480.00} remove late fee and payments but after XXXX months my account still showing late payments my income is my social security so I was not able to transfer money to checking account but Bank of America DEDUCTED XXXX payments from my checking account and now my account {$670.00} overdrawn after calling so many time speaking with supervisors I was told we made mistake I have wait XXXX to XXXX months to remove late payments that It was not disclosed at time we made deal on XXXX XXXX I need to put back the money to my checking account for not flowing through our deal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A