Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was out of the country in late XXXX and returned on XX/XX/2023. When I returned I saw that {$6600.00} had been charged fraudulently to my account while out of the country. I filed a dispute with Bank of America on XX/XX/2023. On XX/XX/2023 Bank of America denied the claim because I waited too long to file the dispute. I reopened the dispute on XX/XX/2023 after stating I was out of the country and filed the dispute the next business day after my return. Over the last 90 days I have received no correspondence from Bank of America, I call regularly requesting updates and I'm always given another timeframe that turns out to be incorrect. I was told I'd have a provisional credit within 10 days, that didn't occur. I was told the merchants had 45 calendar days to respond to requests and then I would receive at least partial credits, that hasn't happened. I have been told from the beginning that the bank has 90 days to reach a decision and once that timeframe elapses I will receive a full credit of {$6600.00} if they need more time. That time elapsed 7 hours ago and I don't have a credit as of writing this messeage. I contacted Bank of America for another update this morning and I was told they don't have a specific timeframe for resolving disputes which directly contradicts everything I've been told. I have companies owed money that have been very good to deal with but that patience is over and I need to pay approximately {$3200.00} in bills to our leasing agency and for utilities. We can't operate if they don't credit the account. Every time I call I get a different response and there are times that they can't even locate the claim. I've requested calls back from the investigator, escalated the claim, and asked for the 48 hour cure. None of that has happened. All I want is for Bank of America to do what they say they're going to do and credit my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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: On XXXX XXXX, XXXX, I was just checking my credit card statement on my Bank of America Cash rewards card and noticed THREE charges that I DID NOT MAKE! They were all over {$300.00} at XXXX XXXX -- {$300.00} in XXXX XXXX CA, {$320.00} in XXXX XXXX, and {$320.00} in XXXX. They were pending at the time. I called immediately and talked with a young man and entered a fraud dispute. I had my credit card cancelled immediately as well, and a new one was issued and is currently in the mail. A few days later the charges were reversed. I checked my account today ( XXXX XXXX ), and the reversed charges were RE-ENTERED! A letter on our account just said they were unable to approve my claim. That " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' THIS IS NOT TRUE!! I don't know what to do. I have tried to get through calling, but I'm continually transferred to another number and then never can talk to anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75703
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My Bank of America account was compromised I live on XXXX and I also am the XXXX for my daughter and grandson both of which are on XXXX somehow my BOA account was accessed without my permission. This is the second time since XX/XX/2023 Ive had random unauthorized charges in my account BOA is telling me I have to pay the first disputes they credited from XX/XX/ by XX/XX/ 2 days after receiving this notice my account was almost completely depleted. I filed disputes with boa and they completely restricted my accounts all our XXXX funds are in these accounts we have no way of paying are rent buying groceries. Also phone bill is due so we cant pay that either I am a victim of fraud and boa is treating me as if I am the one who caused this to happen I am in a desperate situation to recover all my stolen funds and need someone that can help me please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have auto account payment setup on my accounts at Bank of America. I changed my payment sources bank for the auto payment.. Over a YEAR later BOA withdrew a {$2300.00} payment from two different accounts. This action caused one of my accounts to be overdrawn. I called BOA and asked for the funds to be returned, on the previously closed account, and to remove all access to that account. Boa returned both payments, put my account in a past due status and started charging me interest I immediately payed the boa bill ( now for the third time ) and then received an interest charge on my next bill, due to there errors!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77389
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello My name is XXXX XXXX In 2010 I had financial problems due to the financing crisis. At that time I paid off all my debts, even selling my car. because I understand that it is the right thing to do. I had to pay my debts, not bankruptcy. 10 years have passed and one of the banks that I paid, Bank of America, tells me that I have a debt with them. I told him no because I had settled it that they made a mistake. The answer I quote " we don't make mistakes. '' My response was I will call my bank so they can give me a copy of the check. To my surprise, my XXXX XXXX tells me that they only keep checks for ten years. Bank of America deliberately waited for ten knowing that I would not be able to get proof of payment. But he spent 10 years without charging interest or trying to collect the debt. It wasn't a mistake, it was deliberate. I am starting a company, based on an application to help people with food and this application is an online supermarket, due to this condition it has been impossible for me to obtain financing. Despite having made the application. Because of this impossibility, I looked for a job in a company, now they take part of my salary. I want help to carry out an investigation in New Jersey, it is a business model that there are more people in the same situation. Furthermore they did not pay taxes on the money they received from us and perhaps forcing their clients not to pay taxes either. Thank you, waiting for your cooperation and help XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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: I don't recognize a charge of {$2900.00} made through my XXXX account then I submitted a claim on XX/XX/2023. My bank of America credit card credited the correct amount while the investigation. Then I went to XXXX changed passwords, also noticed a case under review. Now, today XX/XX/2023 I noticed I was charged again for the same amount without any notification. I called bank of America for any letter, support documents or any other information but they don't have any. Now bank of America fraud department is opening the case again with XXXX to submit any information on why such decision. Also, I reached out to XXXX but they have not answered yet neither put any new documents. As in the picture the case looks under review. The charge comes from a software company, yet I believe I was saver from scams using reputable companies as Bank of America and XXXX. I hope I can recover the money back and trust again on Bank of America and XXXX, those financial institutions I used to care much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XXXX my XXXX had a XXXX error I couldn't get off so I called the number I talked to a XXXX XXXX he convinced me that my bank account had been compromised. Even the fraud protection number on the back of my credit card sounded like our bank or I never would have believed them. He convinced me that I needed to move money into a fake account It was {$49000.00}. I reported it right afterwards. But because it was a wire I probably won't get it back. A awful lesson to have to learn
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 840XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: There is incorrect information regarding this account on my consumer report. I did not purchase a loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: They hold my check every month for at least 5 days for the last 3 months. I know the money is in the account from the check in question. There is no reason to hold the amount. It is written from the same account and the same amount as it is child support. My ex husband can prove amount is in there. There is no reason to hold this amount. I've been depositing the same check for 3 years now It's ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A