Date Received: 2023-10-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A total of XXXX unauthorized ACH transactions were fraudulently made without my permission and debited from my Bank of America business checking account. First transaction was made XX/XX/XXXX and the last transaction was made XX/XX/XXXX. All transactions were reimbursed to my account except for the following XXXX transactions that were paid to XXXX XXXX. XX/XX/XXXX - {$8000.00} ACH Unauthorized debit - paid to XXXX XXXX XX/XX/XXXX - {$100.00} ACH Unauthorized debit - paid to XXXX XXXX XX/XX/XXXX - {$1300.00} ACH Unauthorized debit - paid to XXXX XXXX XXXX unauthorized dollar amount paid to XXXX XXXX is {$9400.00}. XX/XX/XXXX I reported all the above fraud by phone call to BOA, and per their request, I submitted several " Unauthorized ACH Return Form '' detailing a total of XXXX fraudulent transactions by email. BOA assigned Claim numbers to the XXXX fraudulent debits and XXXX have been resolved with funds returned to my account. The remaining XXXX unauthorized ACH transactions ( above referenced ) paid to XXXX XXXX were assigned another claim number and have not been credited back. XXXX and XXXX - numerous phone calls totaling hours of time made to BOA fraud department to attempt to resolve the fraudulently stolen funds. Each time I was told the bank has " reached out to XXXX XXXX '' and " we are waiting a response from them ''. XX/XX/XXXX - BOA closed the claim and sent email to me stating " The originating bank will not allow a return. We have XXXX hrs to recover XXXX items. Please contact XXXX ( XXXX # ) to recover your funds. '' I called BOA XXXX XXXX Customer Service to attempt to gather more information. No further information given. Claim was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Bank of America allowed me to deposit a check from a lender, XXXX XXXX, and informed me that the funds would be made available after XXXX hours. I had bill to pay therefore I waited the XXXX hours and then I wrote checks and sent the checks to my debtors those checks balanced there was XXXX checks and they bounced and my bills never got paid and my car was repossessed my lost my job and all kinds of hardship happened because this they overdrafted my account and I have not been able to obtain a another bank account ever since and this is in XXXX and this is like XX/XX/2018 the overdraft fees swallowed up the lenders funding and they are also telling me that I owe them {$180.00} because of this these overdraft fees and I was have not been able to obtain any bank account since this incident this Bank of America this is in XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95350
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: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Received phone call over the past few days, last one received from XXXX. Previous phone numbers were XXXX and XXXX. Caller with a foreign accent claimed that they were calling with Bank of America for an unpaid bill of {$890.00} USD that was about to go toward their credit bureau. They had the last four digits of my social security number, full name and cell phone number. I notified the caller that this is a business line, but she stuck to a script repeating the same suggestion to be transferred to the credit bureau. The line was transferred directly to XXXX and a man with a foreign accent attempted to verify my information again. At this point I hung up. The caller ringed me again and my daughter took over the call stating that my Bank of America correspondence settings are strictly through bank 's website via encrypted messages and/or email. There are no telephone call settings whatsoever with Bank of America. She proceeded again with the script and my daughter interrupted her to add my number to the Do Not Call List and do not call again. We will call Bank of America and XXXX directly. We asked for her contact information to report it. Note : we can not add our number to the Do Not Call List as it is an active Business Line. Her information is as follows : Name : XXXX XXXX XXXX : XXXX Company : Bank of America Employee ID # : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22407
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: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a previous complaint : COMPLAINT ID XXXX. The bank refunded the monthly fees that were charged over a 12-month period. However, the action was a violation of 15 USC 193e- Preauthorized transfers. The banks policy to charge accounts that dont meet the dollar amount of deposits, did not give them permission to access my account and take out a monthly maintenance fee. I did not give the bank preauthorization to electronically take a monthly maintenance fee from my account. I have listed the appropriate Title 15 codes that substantiate my claim that I am entitled to treble damages. The bank is liable for acting without authorization and should pay the treble damages. Pursuant to 15 USC 1693e ( a ) A preauthorized electronic funds transfer from a consumers account may be authorized by the consumer only in writing and a copy of such authorization shall be provided to the consumer when made. A consumer may stop payment of a preauthorized electronic fund transfer by notifying the financial institution orally or in writing at any time up to three business days preceding the scheduled date of such transfer. ( b ) In the case of preauthorized transfers from a consumers account to the same person which may vary in amount, the financial institution or designated payee shall, prior to each transfer, provide reasonable advance notice to the consumer in accordance with regulations of the Bureau, of the amount to be transferred and the scheduled date of the transfer. Pursuant to 15 USC 1693f ( b ) Correction of error ; Interest. The bank did not provide me with a copy of a wet signature or anything in writing that gave Bank of America authorization to take money from my account. Pursuant to 15 USC 1693f ( e ) ( 2 ) Treble damages. ( 2 ) the financial institution knowingly and willfully concluded that the consumers account was not in error when such conclusion could not reasonably have been drawn from the evidence available to the financial institution at the time of its investigation. Then the consumer shall be entitled to treble damages determined under section 1693m ( a ) ( 1 ) of this title. ( f ) Acts constituting error. For the purpose of this section, an error consists of- ( 1 ) an unauthorized electronic fund transfer ( 6 ) a consumers request for additional information or clarification concerning an electronic fund transfer or any documentation required by this subchapter. I am requesting that the CFPB review this information and request that the bank pay treble damages that I am entitled to in order to fully resolve this matter. Thank you, XXXX, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: On XX/XX/2023 I notified BOA agents over the phone of my COVID positive results causing XXXX XXXX from work with lesser pay. I requested a forbearance at the same time and was told I didn't qualify. I told them I can only make partial payments with the XXXX checks that I'd receive from work. Over the phone agents told me I can make partial payments, but when I attempted to make the partial payments in person, they refused my payments telling me they can only receive full payments. I was told I was good for XXXX so I made a payment for XXXX using my last check from work for wages earned in XXXX. I again asked for forbearance. They again refused. I had to wait to get my checks from XXXX to make my next payment, but again they would not accept partial payments. I had to save 3 checks to pay 1 full month. I also explained this to them. I informed them I was to be on XXXX XXXX from XXXX. I made payments as I could. The last payment was made in XX/XX/. I received a Delinquency notices on XX/XX/XXXX & XX/XX/XXXX for the months of XX/XX/, XX/XX/, and XX/XX/XXXX and if I didn't bring account current I was going to be charged for foreclosure fees and foreclosure. They applied these foreclosure process fees on same month, XX/XX/. I received another notice on or about XXXX by courier I believe who stated he had to give me the envelope & take pictures of the outside of my house. He confirmed BOA started the foreclosure process because I was behind on my mortgage and in the envelope was the delinquency notice again reading that I'm late on payments and will be charged as mentioned above. Also charging me the {$800.00} for starting the foreclosure process. I called them again telling them I recvd their notice sent by person and told them they started the foreclosure process too soon as I was not 120 days past due. I asked again for repayment option as I was returning to work on XX/XX/. The agent on the phone said there's no way for me or them to know if I am returning to work on XX/XX/XXXX and that the only option I had was a modification denying me the repayment option. I told her I have a 1.125 % interest rate now and modifying it to todays rate is not beneficial for me as it's over 6 %. I again requested the repayment option she refused and the call ended. I have not been able to make payments online nor in person for months already and now I am far behind on my mortgage. I've tried making payments, but they were not and are not being accepted. It was not been 120 days behind per TX Federal Rules & Civil Codes. As BOA reported to the credit bureaus, my last payment was made on XX/XX/. They reported they started foreclosure proceedings on XXXX, but they sent someone on XXXX. Therefore, they started the foreclosure process on XX/XX/. Now I am more than 120 days behind on my mortgage payments. I did return to work on XX/XX/2023 and would like to have my mortgage loan reinstated so that I may continue to make my payments. I noticed that my payment went up over {$200.00} and when I asked BOA abou this, they couldn't really carify. I believe it is for the escrow going up though. I can still pay the monthly payments and would like to start paying again. Can you please help me with this issue?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78247
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I deposited a check from my personal account ( XXXX ) to my business account at Bank of America. When I made the deposit at the Bank of America branch I was informed that there would be a hold on the deposit until XX/XX/XXXX and given a hold notice via receipt. Relying on this information, I wrote employee paychecks for deposit on XX/XX/XXXX. On XX/XX/XXXX I received email notice that the hold on my business account at Bank of America would be extended until XX/XX/XXXX. This extension of the hold on my deposit caused all of my employee checks to bounce even thought the check I deposited into my account from XXXX had cleared. I immediately went back to the Bank of America branch on XX/XX/XXXX after getting the second hold notice and also followed up by calling the customer service number and speaking to a representative and supervisor. No one was able to resolve my issue and all of my employee paychecks bounced. This has caused me and my business extreme distress and seems to be a very unfair and deceptive practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I just opened a new credit card with Bank of America. I opened the card with a XXXX XXXX APR for 18 months promotion and made some balance transfers from other cards to better pay off that debt. I carefully budgeted out how much to transfer based on a {$400.00} per month fixed autopayment so that I would not be charged with interest at the end of my promotional period. When I went to set up my autopayment, I was only allowed to set up a minimum payment balance OR paying off the full statement. I called customer service, and they informed me that a couple months ago, Bank of America stopped letting all customers make autopayments at a fixed amount. Fixed monthly payments are standard at all the other financial institutions I work with ( XXXX, XXXX, XXXX XXXX ). It's clearly not a technical problem on their end, as they offered this service so recently that their own description of payment amount options on their website still includes the fixed amount option. This appears to be a blatant attempt to charge customers more interest by denying them the ability to pay off more than the minimum amount each month via autopay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97219
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: Managing an account
Subissue: Banking errors
Consumer Complaint: # 1 ) Ok I called to have stop payment on my card. The did that but they restricted that card and sent me an new one. I didn't find out until I was at the store with a basket full of stuff # 2 ) They have been charging me XXXX a month for a banking fee when I am on SSA and am XXXX. # 3 ) I think Bank of America has, with certain accounts, like, a bank within a bank, certain accounts are files. And the card number you have on your card triggers the file. And it is a hidden file. MY old card ended in XXXX. The card they are sending me ends in XXXX. I am pretty sure BOA is not above board. I have had this account for 15 years. I am telling you something stinks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Between XXXX XXXX and XX/XX/XXXX, I deposited {$500.00} at Bank of America ATM XXXX XXXXXXXX attached to the Bank of America building at XXXX XXXX XXXX XXXX, XXXX XXXX, California, XXXX. I failed to take a receipt when I made the deposit. This {$500.00} payment was never credited to my account. The original credit card account number is different from the current account number. I want BofA to credit me with {$500.00} on my current credit card account. Within 5 days, I called the customer service number on the back of my credit card. I called them back several times. They checked my account several times and told me several times that no {$500.00} deposit had been credited to my account. Eventually, I realized they were of no help. One of the bank building managers told me to contact the ATM division. All communication after XX/XX/XXXX was with this division. Except for one communication by fax, all communication with the BofA ATM division was by phone. After each of several phone calls requesting the ATM division for help, I received a letter from BofA telling me the bank was investigating my claim or requesting more information. I may have made some calls which were not followed up with letters. BofA told me I had told them the exact date of the deposit. This was impossible as I did not have a receipt and did not remember the actual date. I always gave a range of dates. They asked me repeatedly for a copy of the receipt. I told them repeatedly that I did not have one. The following is a list of letters from BofA by date and case number. XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX # XXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXXXXXX The letter of XX/XX/XXXX is particularly interesting because they ask me for the following information followed by a blank page. The letter of XX/XX/XXXX informed me of a {$500.00} deposit. I never made such a deposit. I never claimed to make such a deposit. The following XXXX letter denies such a deposit was made. I have spoken to the following people : XX/XX/XXXX XXXX ATM division XXXX or XXXX ATM division XXXX XX/XX/XXXX XXXX ATM division XX/XX/XXXX XXXX ATM division ATMs have cameras. BofA could search the photos to find my likeness and determine a date of deposit from that. I probably made only one or two trips to the ATM during the time period I have determined when I made the deposit. BofA has never asked me for my picture.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95136
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have fraudulent accounts and charges on my personal credit file from Bank of America and XXXX XXXX that does not belong to me. My information was stolen by someone else and these accounts were opened by the person who stole my identity. I have been trying to dispute these charges with them directly but has not worked out neither they gave me solutions. I have late payments entries that I do not recognize at all and I request the removal of these entries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A