Date Received: 2024-02-07
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: This past summer, I went to XXXX on vacation. Our flight was supposed to leave on XX/XX/XXXX, but the flight got cancelled by the airline due to mechanical problems. The airline automatically rebooked us on another flight to XXXX the following day ( XX/XX/XXXX ). I already had made hotel reservations along with a car rental reservation and after I found out that we wouldn't be arriving in XXXX until the next day, I got to work shifting all of the reservations forward by XXXX day ( example, if original reservation was for XXXX, I had to shift it forward a day to the XXXX... etc ). I reserved several of the hotels through XXXX, and when I called XXXX on the phone to explain the situation, it was determined that the easiest way would have been to just book new reservations with the correct dates and have the original ones cancelled. For this reservation in particular, it was a hotel in XXXX. The original reservation was from XX/XX/2023 to XX/XX/2023 for {$390.00} and I made a new reservation with the correct dates which was from XX/XX/2023 to XX/XX/2023 for {$430.00} with the understanding that the {$390.00} would be refunded ( based on the conversation I had with XXXX over the phone. I've also attached email communications with XXXX where I sent proof of flight cancellation. I later found out a week or so later that XXXX refuses to refund the {$390.00}. I filed a dispute with my credit card ( XXXX XXXX XXXX ) which was through Bank of America and the past few months have been nothing but stress and anxiety. First it got denied because they didn't have enough documentation when I never got an email asking for me to send specific documents and the communication was terrible. I made numerous phone calls and spent a lot of time being transferred from XXXX department to another. About XXXX weeks ago I sent in additional documents and today I got a letter how the claim was denied. It is ridiculous how I should be expected to pay for a hotel that I did not use and Bank of America cares more about the merchants than they do about their customers. Based on the conversation I had with XXXX on the phone, I had the understanding that if I made a new reservation with the correct dates, which I did and paid {$430.00}, the {$390.00} would be refunded, and it is not fair that through their deceptive business practices, I should be the one that has to suffer. The flight cancellation was made by the airline, NOT me and it was totally out of my control. Also, the way Bank of America handles the dispute process is horrible. Please help me get my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX XXXX XXXX XXXX XXXX I went to Bank of America located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. I walked into the bank to make a withdrawal since I received XXXX deposits : a paycheck and a XXXX XXXX refund. When I walked up to the teller, I asked to take off XXXX. First the teller asked me to verify my identity three ways, through Identification, the last four digits of my social, and through the phone. After I identified myself successfully he then proceeded to call his XXXX over, XXXX. She asked me to verify my identity again, after that she went to the back to get an I.D maker to check and see if my I.D was real. Once my I.D proved to be real she began to humiliate me even more in a bank full of people with the line out of the door. She states she's not familiar with my XXXX institution, or my place of employment. I was not allowed to get money out of my account, accused of fraud and humiliated. I called the bank immediately after leaving, and they hung up the phone. I then called Bank of Americas customer service immediately after.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of America charged a right to offset on a business card leaving me in dire straights to pay my mortgage. They took XXXX out of my checking fully knowing I was in a hardship. They offered no solutions and increased a payment for when they knew I couldnt pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Bank of America was well aware I was going through a hardship. I advised them many times. They only thing they offered was credit counseling which I was not approved for. Upon requesting help with my payments, they gave me a higher payment. They do not have any solutions to help out borrowers. They run the time on complaints- stating they will respond in two day then take weeks to. They took XXXX} from my checking account fully knowing I was in a hardship. They put me in dire financial stress making it difficult to pay my mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/, I went to the Bank of America location at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX. I asked to close my accounts with Bank of America ( checking and saving ) because they had been charging me low balance fees. The representative I spoke with advised he would close the accounts and not charge me any more low balance fees. I checked my mobile Bank of America application this morning, and saw that my savings account had been closed, but my checking account had not been. Further, I have been charged {$12.00} for a " monthly maintenance fee ''. I called the representative I spoke with this morning, and left a voicemail asking him to call me back. He has not called back. I called Bank of America 's helpline, but no one answered. I want my checking account closed, and I want the {$12.00} fee waived. It is an unfair and deceptive act to represent they have closed my account, while failing to do so and charging me for the same. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98027
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to address an issue regarding my Bank of America credit card account, specifically its absence from my XXXX credit report. As a long-standing cardholder with an account dating back to XX/XX/, I have noticed that the information related to this credit card account is not reflected on my XXXX credit report. Credit Card Details : Company : Bank of America ; Account Number : XXXX Date Opened : XX/XX/XXXX ; Credit Limit : {$50000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33024
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am writing to inform you and seek intervention in a matter that significantly impacts the financial well-being of countless Bank of America credit card customers , including myself, my husband, and numerous acquaintances. Despite repeated attempts to address this issue directly with the bank, amounting to over 10 hours of customer service calls, the resolution offered was merely to file a customer complaint internally with Bank of America, which has proven ineffective and does not alleviate the financial risks posed by this glaring omission in their service. The issue is Bank of America 's failure to offer a customer-facing " auto-pay '' feature for settling credit card " Statement Balances, '' a basic yet crucial function standard across the banking and credit card industry. The absence of this " auto pay full statement balance '' feature has led to unnecessary financial burdens due to missed payments, accruing late fees, and escalated interest rates, adversely affecting credit scores and financial stability for millions of Americans. What is particularly disconcerting is the bank 's apparent lack of initiative to rectify this situation, possibly due to the financial benefits it reaps from penalties imposed on missed payments. This situation raises serious concerns about the bank 's commitment to consumer welfare and the potential exploitation of its customers. Given the CFPB 's staunch commitment to ensuring fair, transparent, and competitive financial markets, I urge your office to take immediate action. Bank of America 's customers desperately need a customer-facing auto-pay feature to settle their full statement balances each month on their personal and business credit card payments, aligning with industry standards and safeguarding consumer interests from potentially unfair practices. I am ready to provide further details or documentation as required and eagerly await your prompt and decisive intervention in this matter. Today ( XX/XX/year> ) was my final attempt to rectify this issue with them after spending over 10 hours trying to get ahold of a customer service representative who could help me address it. The conclusion was that Bank America does not offer this feature, and customers must manually log in to pay their full statement credit card balances each month. This process can not be automated with any customer-facing features, which does not align with industry standards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On Saturday, XXXXXXXX XXXX XXXXXX/XX/2024 I went to a Bank of America to get a cashier 's check. Please note, I've never once paid for a cashier 's check before. The lady that was helping me stated all of a sudden that the fee was {$10.00}, but when the check was processed she said she " made a mistake '' and its actually {$15.00}. The total of this check was {$1100.00}, with {$1100.00} actually being for teh cashier 's check and {$15.00} being the fee. I then learned on my way out from a different bank representative that I could have done a money order at XXXX for {$1.00}, and didn't need to do a cashier 's check. I even told the teller that I wanted to know what the cheapest option was to make this payment given that I did not have a phsycal checkbook. I think in light of the confusion and misinformation even during my interaction, I should be reimbursed the {$15.00} for the cashier 's check fee. This is incredibly unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: On XXXX XXXX I went to the Bank of America XXXX XXXX XXXX XXXX to start my financial life in the United States, Im an XXXX who came to the XXXX on XX/XX/XXXX of XXXX to start a new phase of my life and I thought Bank of America was a good option for me. I was advised by XXXX XXXX and XXXX XXXX that it was a good idea to get a secured card credit of a {XXXX and after 3 months with my constant financial movements and well payment behaviour my name and credit score was going to be visible in the credits bureaus of the U.S. I went on XX/XX/XXXX of XXXX to the branch in Downtown to communicate with the credit card department to ask the reason why I did not get what they promised and did not found an answer to my problem. Today XX/XX/XXXX of XXXX I still don't have a XXXX Score even though I followed all the recommendations and procedures to get one. I'm taking the decision to file a complaint after I called and went several times to the branch and did not get a solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: My account with Bank of America has been closed by the bank, and I am requesting you to reopen it. I deny Bank of America 's claims that I initiated a payment of {$24000.00} on XX/XX/2023, resulting in a credit or negative balance of - {$24000.00}. I did not make this transaction online, and autopay was not set up. Upon noticing the payment, I immediately called Bank of America, and the agent confirmed that autopay was not configured. The agent advised me to stop the payment, which is why it was returned. Subsequent payments were also returned because my bank had placed a stop payment on all future transactions without my knowledge. Four payments, in total, were returned after that, leading to Bank of America terminating the relationship. This situation seems unreasonable, and I kindly request you to review it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10038
Submitted Via: Web
Date Sent: 2024-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A