Date Received: 2023-10-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Yeah so I was called by the Bank of America department that responds to the CFPB and was told my money would be mailed out to me with a tracking number provided for this within the next few days. Its been about two weeks now and I havent heard anything from said representative and Ive been calling her to no availability. Its been 3 yrs already like how do a big corporation like Bank of America think its ok to just steal from my clients and they can get away with it. Like dont they think they have enough. Its bad enough that they just got fined over XXXX XXXX XXXX dollars for doing this same nonsense behind other illegal banking practices under the noses of their own clients for years. They too over XXXX from me and are still giving me a hassle to this day. The lady said she would have the funds mailed out to me and than call me back when its done or to call her in two days. Its been two weeks and no response. Somethings got ta give. I just need those funds back. Im definitely gon na screen record this and put it up on social media. Ill have to write a new one everyday till I get back a response? How could a bank be so prejudiced towards a client and than steal from them? Thats how Ive been treated the past 3 years by the financial institution called Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/23 : I called XXXX XXXX to find out why I received an email confirmation email for an upcoming flight. I told them that on XX/XX/23 I attempted to book a flight with them but my flight was not confirmed and that I received an email from XXXX that stated, PLEASE NOTE : Your payment was not successfully processed. As a result, your reservation has not been confirmed. As a courtesy, we have provided a reference number for your travel. Please call XXXX to secure your reservation. I explained that the email I received confirmed my car was never charged, so my card never should have been charged. I asked for a refund and they denied my request, stating they could only refund 25 %. I asked to speak with a supervisor and the supervisor said the same thing. XX/XX/23 : I contacted Bank of America to file a claim for the charge on my card for {$2200.00} from XXXX XXXX. I explained the story above, including details of the email from XXXX XXXX. XX/XX/23 : After no communication from Bank of America, I received a letter in the mail from Bank of America stating they completed their research and have denied my claim. They stated they received supporting details from the merchant with the statement that the merchant was willing and able to provide service, but was prohibited from doing so as a result of circumstances beyond their control. They attached document shows flight details with a statement that says proof passenger was a no-show flight, XX/XX/23 : I contacted Bank of America and XXXX with XXXX from XXXX. I explained that I didnt understand why my claim was being denied and how how could it be my fault that because the merchant was prohibited from providing the service that was beyond their control. I told them that I didnt understand how that was my problem to have. I told the representative that i told the rep when I originally filed my claim that I received an email from XXXX XXXX confirming that my card was not charged. I told him that this is an unauthorized charge and they shouldnt be able to charge a card after you tell the customer that your card was not charged. He stated that they didnt have a copy of the email. I told him I explained all of this to the first rep and he never told me to send it in, nor did anyone call and ask me for it. He stated that I could fax in a copy of this email to the number at the bottom of the letter. XX/XX/23 : I sent a fax to XXXX to the claims resolution department and attached a copy of the email sent to me from XXXX XXXX confirming my card was not charged and my flight was not confirmed. XX/XX/23 : I called Bank of America again because I hadnt heard from them and I saw no updates in my Bank of America app on my claim. I spoke with XXXX from XXXX from the merchant response team. I explained what all had transpired and she read through the notes, stated that they had received my fax, and said that she would reopen the claim. She said she couldnt promise it would be approved, but based on what I told her, it would most likely be approved. XX/XX/23 : I received a letter from Bank of America stating that they completed the re-evaluation of my dispute and stated that their decision to decline hasnt changed. They re-stated the same reasons as before as the reason for denial. XX/XX/23 : I contacted Bank of America again. I spoke with XXXX in XXXX and explained the situation to her. After reviewing my information, she thought it was odd that the claim was closed. She told me that she took the time to update all of the notes, in detail, with everything I was telling her and she told me that she reactivated the claim. XX/XX/23 : I contacted Bank of America to get an update on the claim status. I spoke with XXXX from XXXX. XXXX claimed that she understood my frustration, which she did not because any reasonable person would not be okay with being charged over {$2000.00} for a flight they did not intend to take nor authorize. She told me that the claim has been denied despite the documentation that I provided to Bank of America. She stated that there would be no further consideration and that a letter had been mailed to me on the XXXX. Again, I was told that although you werent able to use the service service, the merchant able to provide it to you. She said they were unable to confirm that I canceled the charges. I stated that I dont understand why they were looking for a cancellation when I never authorized the charge in the first place. Again she told me she understood my frustration but that the claim would still be denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92555
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: Funds not handled or disbursed as instructed
Consumer Complaint: I was told by Bank of America 's claims department that my provisional credit would be withheld for the duration of the investigation because of the dollar amount. The representative informed me that the investigation XXXX last til XX/XX/XXXX. I filed my checking transaction dispute on XX/XX/2023. I made this request after XXXX business days. XXXX XXXX XXXX ( c ) XXXX does not specify withholding a provisional credit while extending the investigation because of a certain dollar amount. I'm ok if the Bank needs more time to finish their investigation. But they are violating federal consumer financial regulations by denying my provisional credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Bank of america customer for a few years never had problems until bank of america marked my credit card as closed months back with late payments even though ive been actively making payments to this day. attempted to make payments for the months they claim are late and tried to contact them but no luck. Bank Of America has been falsely reporting things on my credit report and i demand that they remove the late payments and instate the correct status of the account ( XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
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: I recently discovered discrepancies in my credit history related to the reporting of late payments, and I believe these inaccuracies stem from undelivered monthly statements. Upon a thorough review of my credit report, it has come to my attention that late payments have been reported, affecting my credit score and financial standing. After careful investigation, it appears that these late payments resulted from undelivered monthly statements. 15 USC 1666b under the Truth in Lending Act, which mandate that creditors ensure periodic statements are mailed or delivered to consumers at least 21 days before the payment due date. In my case, it seems that I did not receive these statements within the specified timeframe, leading to inaccurate late payment reporting to your agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
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: 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 booked a rafting experience ( {$270.00} ) on XXXX in XXXX using my Bank of America credit card. However, this website had bugs displaying my shopping cart and the checkout pages, it showed only the item ( {$270.00} ) I wanted to book on pages as I checkout but processed one more item ( {$280.00} ) when my payment was submitted. The unexpected item ( {$280.00} ) is something I browsed in another page but never showed in the checkout pages. The two items are rafting experiences from two providers on the same day with only 15 min difference, which means I can never take both. I contacted evendo.com immediately, but they are a company in XXXX and didn't respond until the second day. They said they would contact the provider but the provider refused to refund with a less than 24 hr window. XXXX didn't take their responsibility in the poor website design causing issues. Therefore I also did call BoA credit card department and told them the issue that I didn't authorize the purchase of the unexpected item. But the representative suggested me to wait the transaction posted and then submit a dispute. I did what BoA suggested and after two months they ended up a decision to deny my dispute. And I still got the unexpected item charged ( {$280.00} ). Now as I want to appeal their decision, BoA want me to provide evidence that XXXX has bugs, which means I need to pay for something on XXXX again to reflect their error, which is really disgusting. And when I check their website now, two after my reporting, XXXX already fixed their error in refreshing shopping cart and checkout pages. I am unable to provide the evidence. As I checked XXXX XXXX and XXXX reviews, many people had issues with XXXX. This website is an unprofessional third party travel agent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46545
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Bank of America did not have my State of Arizona unemployment benefits available on my pre paid card for several months during XXXX, during the pandemic relief benefits period. The totals were approximately {$1500.00} that were unpaid. The State of Arizona paid that amount in early XXXX that was due in summer of XXXX. The state of Arizona then reversed it's decision on the reimbursement and claimed I was overpaid benefits and that any initial non payment of benefits was due to fraud allowed by Bank of America. No more details were disclosed to me. My tax refunds have been garnished ever since, including interest. I was also a litigant in the lawsuit against Bank of America, only to have my claim dismissed on XX/XX/XXXX due to not having suffiicient information to prove any fraud had occurred. I feel Bank of America is responsible for my hardship during that period of time they botched the payments and for my continued tax refund garnishments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit score this month and there are several inquiries on my report I have no knowledge of, nor are any of my accounts attached to theirs. Inquiries in order : 1. XXXX XXXX has given me 3 separate inquiries 2. XXXX XXXX 3. : Bank of America 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXXXXXX XXXX 8. XXXX XXXX XXXX 9. XXXX XXXX 10. XXXX XXXX 11. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I tried two separate times to use the debit card for a merchant two weeks prior to the card expiration date, and both times the card failed. Then, at the end of XXXX, 2023, the card expired, and the Bank Of America confiscated my {$67.00}! To me, who is living on retirement income, {$67.00} is a lot, but to Bank of America it is nothing. Yet their greedy policy makes no sense and is immoral, if not illegal. I wish to regain my {$67.00}. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: How can I get my refund check deposit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 610XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A