Date Received: 2023-09-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I applied to a job during the month of XXXX. I got an email from a woman from XXXX about a job opening for a graphic design position. She offered me an interview over XXXX on XX/XX/18. We did have that interview and I was offered the job the next day. So I signed some papers and was told the role Id work on remotely. After that I was told that I need to cash a check they sent to buy equipment for the job. The check was for XXXX dollars. This was a dream job so I trusted the person. The website seemed real and XXXX had a XXXX that seemed real. So I cashed the check. However later I was getting weird request like use the money to transfer it to Vendors. It eventually went to buy debit gift cards and stuff like that. After that I ended communications and tried to warn my bank. However I hoped that the bank would just cancel the check and everything would be fine. Unfortunately Bank Of America saw this activity and canceled my whole account. I didnt do this maliciously. I had a good reputation before this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I received information from a Bank of America representative via phone informing me of a forbearance / deferment due to my Covid 19 and Hurricane Ida resulted hardship. I informed the representative that I was working towards catching up on my account. I specifically asked for clarity of the forbearance to ensure I would not have to pay notes occurred during the forbearance at the end of the forbearance. She assured me that those notes would be placed at the end of the mortgage loan period. I had her to repeat to ensure. At the end of my forbearance I was told something different and I am now working on a loan modification. I would have known the correct information, I would have sought out other options. A week ago I was informed by a representative ( XXXX XXXX ) that I needed to send an appeal email requesting information about an outstanding issue. I sent the email immediately and I also sent an appeal email regarding the false information. I informed the representative a week ago that I completed an appeal email regarding the false information I received and still have not received a response. At that time I was informed that I did not need to send an appeal email regarding the information I had just received stating I had an outstanding issue that needed to be addressed. That was again, false information. This is not the first or second time I have sent complaints due to false information from representatives. Bank of America only apologizes and moves on. Unacceptable and not professional at all. I am presently on XXXX XXXX XXXXXXXX due to XXXX XXXX and this situation is only escalating those issues. I have requested that the recorded phone calls be reviewed. Last week, after being told day before that calls would be reviewed, that those calls in questions were not able to be reviewed, yet the representative was able to review several other calls. I am also having difficulties and frustration with representatives during this modification process. They continue to ask for duplicates and information that is noted not retrievable. In particular, after sending several child support check stubs, letter from payor and proof of deposits ( after being told to deposit ), they still continue to ask for evidence that it will continue. On last week I was told that they had a document that showed my payments are XXXX and I have proven otherwise that payments are XXXX XXXX month with several pay stubs and deposits. I am not sure where the errored information came from and the representative could not answer. They were provided everything that could possibly prove receipt and continued payment. After reporting to XXXX, a letter from XXXX noted next steps that were not taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX I received a letter from Bank of America stating that my claims for reimbursement on my account due to fraudulent transactions being conducted, causing me to be a victim of true identity fraud, was denied based on the basis that the card or cards used to commit these transactions were activated and used with my XXXX To which XXXX are those I still have no idea. Further more I've submitted documents from XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX credit bureau, the XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX. All documents support my position in my claim stand point, to which address I didn't authorize, have any knowledge of, or physically unable to conduct such transactions, in any way, shape or form during the entire period in which the transactions began and ended. They didn't allow sufficient time to receive the documents from me before making their decision, also have not supplied aby information ir supporting documents to which played a XXXX factor leadibg to the denuaif my claims. All time provisions have lapsed according to policy held by Bank of America which place a time allowance to rectify and investigate such claims and have a decision. Please further assist me, I'm a victim and untitled to what was mine and shouldn't have to feel like I'm doing something wrong and justify the wrong doings and denied simply based on a mailing address, I deserve fair and adequate service and entitled to all funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have never dealt with such a disorganized and willfully ignorant organization. I previously put in COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 I have just got off the phone with XXXX XXXX who XXXX the same information but referred to an alert for my other credit card. I told her I had not attempted to use the card I was calling about. She admitted the mistake. Then she said I never called to alert them. I have all the call records of the dates I called and the Bank of America verification codes sent to my phone, that document IN FACT I called immediately after receiving the letter on XX/XX/XXXX at XXXXXXXX XXXX. She stated she would go over the recorded calls. This should have been done from the very beginning. I have no reason to pursue this other than being reciprocated for the time and effort I put in to rectify a problem they started. She said the alert was put on my card because I changed my address a few days after. IF they would have checked I have had an established address at the previous address plus the one I changed it to. NO ONE ever informed me why my account was put on alert in the first place. My bank account address is the same as the one I changed the shipping address to. This is incompetence on the highest levels and one that has wasted a lot of time and energy on my part. I am furious!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
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: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I lost my job due to the Covid pandemic. I filed for unemployment and was to receive weekly payments. I looked and nothing was deposited. Kept checking for deposits and still nothing. We were told on the news that many people were not going to receive our payments that we should be patient it would take a while. I kept checking and then stopped checking. I forgot about my unemployment checks until I just recently needed unemployment, a little over 3 years later. I had seen on the unemployment website that over 3 years ago I had supposedly been paid. I checked the prepaid card and the card had been canceled, but was transferred to a Bank of America customer assistant who told me that the card had been canceled and after their review that card had been used in 51 card transactions and there was no money left on the card. I told them that it was impossible I had used it and that card was in our file cabinet since the pandemic first began, and that we were under a lockdown for almost 6 months since everyone systematically contracted the virus and we went person to person until we all finally contracted this virus, during which my mother in law was XXXX and shortly after died due to XXXX! There was no way we could have used this money. They said they have to file fraud and do an investigation which can take up to 90 days. I've called throughout the last 90 days and nothing is being done and they keep saying that I have to wait the 90 days and that I've just filed the previous week, not 30 days. They are now ignoring my calls and refuse to answer my questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89503
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: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: XXXX Became aware of credit card opened fraudulently in my name using a stolen social security number. XXXX Bank of America ( XXXX ) - Account closed. Told investigation would take place and I'd be contacted XXXX Called to check status, talked to XXXX and then XXXX told I would not be made aware of any resulting information from internal investigation. Asked about getting copy of fraudulent application per FCRA. Told I'd be sent paperwork to complete to request this and would need to fax/mail back. XXXX Called to check status. Talked to XXXX. Told that XXXX never sent me any of the paperwork but it would now be sent. XXXX I completed required paperwork and mailed back to Bank of America XXXX XXXX Called to check status. Talked to XXXX. Status still listed as Processed. She emailed the person responsible to get status. XXXX Called to check status. Talked to XXXX. After being on hold for most of the XXXX min call, XXXX hung up. Called back. Talked to XXXX. XXXX indicated that nothing has been done with my request since the paperwork was sent out to me in XXXX That is the last update to my case file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 194XX
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: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I open an account in XXXX and was explicitly told that regardless of balance that I would not incur any fees, as long as I had direct deposit set up for both checking and savings. Despite these reassurances, I was charged for six months unfairly. I attempted to bring this to Bank Of Americas attention And they refused to compensate me for the funds stolen from my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76201
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my XXXXXXXX XXXX from the US Treasury in XXXX and there was nothing hold placed on the check. I deposited my check for the same amount on XX/XX/XXXX and was told there would be a 24 hour hold. Now my account shows they are extending the hold until XX/XX/XXXX. I see in most cases a hold on this type of payment is released within 24 hours. I checked their parent company which shows they like to Float checks/payments. I guess BOA is into Floating on government checks due to people who really need the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74112
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I got scammed last year, where in a person claiming to be from Concession Solutions XXXX XXXX XXXX paid XXXX towards my XXXX XXXX bill, and asked me to pay XXXX by Money Order to account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America on XX/XX/2022. The XXXX bill payment was then reversed. I filed a complaint XXXX XXXX XXXX with the US Postal XXXX, XXXX with the XXXX XXXXXXXX Police Department and XXXX XXXX XXXX MO Attorney General at the advice of the Office XXXX XXXX ( XXXX XXXX XXXX Bank of America closed this saying they would work with law enforcement, but not the XXXX who they identified as a compliance/regulatory agency. Communication and screenshots are attached. I reached out to Office XXXX XXXX who filed my report multiple times by various means and updated on the response from Bank of America, but there hasn't been any update on this complaint progressing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63043
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: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Ive been asking for documentation stating why my fraudulent charges were being denied and this is what Ive gotten back since 5 months of asking for them Date : XX/XX/2022 Time : XXXX ; XXXX XXXX XXXX : Consumer Web Sent : XX/XX/2022 Sent to : ( XXXX ) XXXX Dont know what exactly does this refer to or has to do with because first of all the dates the the charges were made are XX/XX/2022 - XX/XX/2022 - XX/XX/2022 and me as a consumer I would be expecting something for each and one of those transactions a reason on why each on of them were declined for a return
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A