Date Received: 2024-02-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a bank of America card. I had rewards that I credited to my account in the amount of {$10.00}. This lowered my account balance to {$49.00} and posted on XX/XX/year>. I then made a payment of my account balance of {$49.00} on XX/XX/year>. Bank of America charged me {$60.00} instead of {$49.00} and credited my account afterwards with the rewards of {$10.00} They moved money around and stole from me. I have a screenshot of the rewards on XX/XX/XXXX being posted and a new balance reflecting. After paying the balance they charged me the original amount and credited my account the rewards. Now my account has a negative balance because they took my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80112
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My right to privacy is being infringed upon by Bank of America. They are disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX after I have instructed them to cease in doing so via an opt-out notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76705
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I received a series of text messages notifying me of the use of my bank card throughout the United States while I was in Minnesota. Soon after, someone claiming to be from Bank of America called me to inform me of the suspicious activity on my account and offered to help me set up a new account by transferring my money to a " safe '' account via XXXX. Unfortunately, I fell prey to the scam, transferring {$2800.00} in two separate transactions of {$2300.00} and {$500.00}. I have attempted to retrieve my money, as I have read that other fraud victims have succeeded in doing so. However, the process requires a payment ID, which I have been unable to obtain from Bank of America despite spending more than 8 hours trying. The XXXX website suggests calling their customer service number, but I have found them to be equally unhelpful. Bank of America, which owns XXXX, will continue to hold onto my hard-earned money until I can take legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55410
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My right to privacy is being infringed upon by Bank of America. They are disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX after I have instructed them to cease in doing so via an opt-out notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76705
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My right to privacy is being infringed upon by Bank of America. They are disclosing my nonpublic personal information to non-affiliated third party companies such as XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX after I have instructed them to cease in doing so via an opt-out notice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76705
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: With bank of America XXXX not having any deadlines to pay us what they owe us I will be dead before I ever hear back this is unacceptable ..please fix this error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I was notified that i was enrolled in Online Banking at Bank of America on XXXX XXXX XXXX. I did not initiate this action nor do I wish to use Bank of America 's services. I was previously notified on XXXX XXXX XXXX that someone attempted to open a credit card using my information for a card issued by Bank of America. There is no information published on how to contact Bank of America to dispute fraudlent activity, almost all public communication methods require you to have an active Bank of America account, ( all automated telephone XXXX will disconnect if you do not provide an account number ). I even resorted to contacting the Law enforcment department to to speak with someone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, we visited the Bank of America ( BofA ) branch located at XXXX XXXX XXXX XXXX ; XXXX XXXX CA XXXX, where we maintained a banking relationship for over 30-years, to open a trust account. My father had passed away on XX/XX/XXXX and we received a check from XXXX XXXX XXXX XXXX XXXX in amount of {$190000.00} as part of a death benefit disbursement. We provided the branch with all the necessary documents such as death certification and trust documentation indicating that me ( XXXX XXXX ) and my sister ( XXXX XXXX ) were successor trustees of the trust. The bank personnel ( XXXX XXXX ) was very professionally and pleasant to deal with and opened the account # XXXX. XXXX deposited the check that was drawn on Bank of America XXXX MA. We did not receive a deposit receipt showing the deposit was made at that time but were told that the funds would be available on Tuesday XXXX. On Tuesday XXXX, we learned that there was an issue with the check and the Risk Management department had frozen the funds and needed to verify the issuance of the check. We provided the bank with the contact phone number XXXX. Upon following up with the bank personnel the following day, we were notified that the Risk Mgmt department needed to speak with a person at the Insurance Company. Then we were informed that the Risk Dept needed to speak with us so my sister XXXX XXXX had a conversation with them and they asked if had any additional information about the check. We provided them with the disbursement paperwork that we received with the check and were told that they would review everything and get back to us. On Thursday XX/XX/XXXX, I received a notice from BofA dated XX/XX/XXXX, indicating that there was a hold on the funds until XX/XX/XXXX and the reasoning " we've placed a hold on your deposit because we have information indicating the check ( s ) may be returned ''. On XX/XX/XXXX, I received a letter from BofA dated XX/XX/XXXX, indicating that they have made a decision to close the deposit account with no reasoning as to why. If BofA made a decision to close out the account on XX/XX/XXXX then where is the check? Are they waiting for the check to clear and then close out the account? Following the receipt of the letter, my sister ( XXXX XXXX XXXX visited the BofA branch where the account was opened and was informed by the branch manager that there was no hold on the account which is astonishing considering the letter that we just received. This is unbelievable to say the least. The behavior of BofA in this circumstance seems unreasonable as to their approach and a misrepresentation as to the exact reasoning for their decision making. They are sending mixed messaging which is exacerbating the situation and causing unnecessary distress leading to very dissatisfied customer experience. This begs the question, how are they treating other customers who make large check deposits? Is this a systemic problem?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: BOA closed my account after receiving transaction disputes claim on XX/XX/XXXX. It was stated that I would receive balance on account after disputes were settled. They were settled and on XX/XX/XXXX received letter stating XXXX was permanently back in my account and again that was XX/XX/XXXX. Spoke with BOA today and they said my account balance is only about XXXXXXXX XXXX and that it was being mailed. If my accounts were closed in XXXX and I had XXXX credited back to my account? Then if account was closed in XXXX like boa said the how did my account get charges of XXXXXXXX XXXX after XX/XX/XXXX? To me this is simple theft and being the CFPB did nothing to help me the first time I expect that again here. My bank stole money from my account plain and simple. Again, knowing CFPB is lazy and did nothing before but helped boa rip me off, I expect them to do it again here. Only doing this as a formality so I have paper work to show and recordings of phone calls for Washington State Attorney general and lawyer. Again I will thank you for nothing CFPB because you and I both know you help banks XXXX over the small business guy and this complaint and my last complaint prove it. America truly does XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98662
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-06
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 XX/XX/2024 I called Bank of America XXXX at XXXX to solve a charge for {$18.00}. I had ordered something from the merchant but I wanted to return it and the merchant never provided the label after 10 days of waiting. I called the bank and XXXX answered the call and she was very snappy and defensive when I asked her what call center she was located at. She had mentioned Arizona but refused to answer any questions I asked. She disregarded anything I said so I requested to speak to a supervisor and she put me on hold and ultimately hung up the phone at XXXX on XX/XX/2024. I hope calls are recorded and you are able to listen to the call and fire this individual. Customers don't mean anything it seems to me. Is only important what the rep in this case XXXX had to say and if you asked her something she got upset. She told me we have to keep this professional without me even saying anything unprofessional. She was defensive from the start. After XXXX hanging up the call I called back and spoke with XXXX at XXXX from Delaware and he handled my dispute for the wrong item received from the merchant. I have had issues with these type of reps in the past at Bank of America and it just keeps getting worse with time. XXXX handled my claim but XXXX needs work and no rep should be hanging up the phone on customers or doing any on job tricks so they hide their tracks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2024-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A