Date Received: 2023-09-25
Issue: Problem with customer service
Subissue:
Consumer Complaint: I went to the Bank of America branch at XXXX XXXX XXXX XXXX on XX/XX/XXXX with two {$100.00} and one {$100.00} bill of worn money. I was refused the service of unfit money exchange and the teller asked me to XXXX for solutions. The bills I wanted to exchange are only slightly worn. They should definitely be categorized as unfit money according to XXXX XXXX XXXX The pictures of the unfit bills are attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94539
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
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/XXXX I purchased a flight on XXXX XXXX via XXXX to occur on XX/XX/XXXX. Obviously I no longer took that trip due to the Covid-19 pandemic. For a long time the cost of the flight sat there as a credit in my XXXX account, but then one day disappeared. On XX/XX/XXXX XXXX XXXX emailed me that I may be eligible for a refund and sent me a link to apply for it, which I promptly did, and on XX/XX/XXXX XXXX XXXX informed me that my refund was approved and I should see a refund within 30 days. I waited and waited and did not see a refund to my credit card for the purchase. In XXXX I contacted and spoke with XXXX and they confirmed the refund would be coming from XXXX XXXX directly so I needed to speak with them. On XX/XX/XXXX I called XXXX XXXX and they confirmed that they sent my refund on XX/XX/XXXX to my credit card. I happened to book my underlying seat with one card ( Bank of America ) and a seat upgrade with a different card ( XXXX ), and sure enough when I went back and looked at my XXXX account the seat upgrade amount was refunded when XXXX XXXX said they sent the money. I then called Bank of America ( on XX/XX/XXXX ) about the flight purchase in the amount of {$690.00} on XX/XX/XXXX and that it should have been refunded to my account already as XXXX XXXX sent it on XX/XX/XXXX and offered to provide them with the ARN number as XXXX XXXX had given me that. They said they didn't know why it hadn't posted to my account, that that was weird ( they also couldn't even find the initial purchase because they inexplicably change your underlying account number to match the credit card number so when they send you a new credit card your account number changes? It was only because I went back 3 years in my statements and found proof of the purchase and its reference number that they could even pull it up ), and that they would be launching an investigation into where the money went because it wasn't sent directly to my account. They told me it could take 30-60 days and they would let me know when it's resolved. They never sent me anything via mail or the online message center in my account. On XX/XX/XXXX I called again because I had heard nothing. They told me they couldn't find proof of it so they closed the investigation. I asked why had nothing been sent to me via either mail or the online message center about it, there was no clear answer. I eventually was connected to a manager and spoke to a man named XXXX who said he didn't know why they hadn't communicated with me but that he would launch another investigation and assured me that this time they would communicate with me in writing about the investigation. He had zero interest in the ARN number, saying that really only helps XXXX XXXX keep tracking of the money, not BofA on the receiving end. He gave me a case number and we hung up after yet another hour on the phone with them. It is now XX/XX/XXXX and I have heard absolutely nothing from BofA about this case, despite it being almost 3 months now since they 'reopened " another dispute and I'm 45 minutes in to yet another call with BofA to get my money back. The woman helping me today ( XXXX ) is lovely but can't actually help me and the department that can help me has already gone home for the day as it is XXXX EST though nowhere on their website does it state that. I have had to take time off of work to deal with these calls as I am now over 10+ hours of phone time into trying to resolve this and BofA is clearly not interested in resolving this issue and can not be bothered to even communicate with me their dismissal of the investigation of them continuing to hold onto {$690.00} ( plus the interest it has accrued since XX/XX/XXXX ) that is rightfully mine. I am owed this money and what is to stop major institutions from just 'losing ' refunds like mine all of the time? There needs to be accountability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98106
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had my Bank of America accounts since XXXX through all change of names. I had a Mortgage with them, in the XXXX. I would call BOA about catching my mortgage up and they would tell me repeatedly I was up to date, yet they continued to report me as 1 month late. I had many overdrafts. For every one I was charged {$35.00}. As each transaction came in, it was another {$35.00}. I had to change my account numbers because I was scammed. From then on in XXXX I was charged a XXXX XXXX monthly maintenance fee each month. When I had my older accounts I was told I was never charged a maintenance fee because I had a banking with BOA since XXXX. They tried saying it was because I had deposited a large amount in XXXX. I was never charged any fees before the new accounts were open. I just had a checking and savings before that and never paid a maintenance fee, even before I had a mortgage with them. They explicitly told me it was because of the amount of time with them. I have had many overdraft charges over many years. They did refund some if I called but most were not. Once I had XXXXne overdraft they just built up for anything that came through. There were many things that went on with BOA. So many I can't remember. If you are to look up my accounts, the one checking and savings had I to be closed in XXXX, due to a scam. To determine anything you would need my older accounts because I had that one from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20745
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: - I was issued a XXXX debit card with {$28000.00} on the card Bank Of America allowed someone to use my card and spent {$16000.00} before it was brought to my attention i have submitted a claim and police report along with my identification and statement to them and XXXX why have denied my claim TWICE I dont think there actually investigating these claims I need my issues resolved why dont they want to release my money to me?????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX company has let someone open an account in my name twice I contacted them several. times letting them know it was fraud and to close the account asap and they won't close account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I contacted Bank of America because I've been approved for Unemployment benefits and someone has been collecting my benefits and using them from XXXX the total amount is XXXX I'm a XXXX XXXX and struggling I need that money. I've done over XXXX claims with Bank Of America to get my money back. I was told I need to wait 90 days that is crazy I can't wait that long I'm a single mom of soon to be XXXX XXXX that can all benefit from this money that was taken from us. I had over XXXX taken from my taxes for an over payment from Unemployment that I never received. Bank Of America is being wrong for this I will reach out to more people and places for help with getting all of my money back! I'm not sure of the card information but this is my second complaint the first one states the card number I was given
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92040
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I was provided false information via bank representative regarding a CD account. I was specifically told by the representative and they verified that several times that the early withdrawal penalty was insignificant and basically what the representative told me was that I break rhe CD one week or more after opening it I will not lose any money. Basically I was told if I deposit XXXX and I withdraw them a week after depositing the money into the CD or later the amount of money I would get, would be XXXX XXXX or higher. Today I called the bank to withdraw the funds from my CD, and I was told this was not the case. Basically, the representative that offered me to open the account lied to me about the terms of this product and I opene the account based on this fslse information. Yes, the bank did play a long recording that is pretty difficult to understand and which I agreed to, but I took the time to verify the terms with a representative and he provided me false information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Bank of America has accused me of committing fraudulent activities in my accounts resulting in their closure without notice. An advance-fee scam had taken place in one of my accounts via online search for payday/installment loans and a docusign, followed by money placed into my account then the sending of money via XXXX XXXX to the scammer 's name and city/country. The promise of money from what I thought was a reliable source took my hard earned income via overdraft fees and ways. I feel this was a mistake and shouldn't be handled by the permanent closure of my account without opening another in its place. I feel that I should be able to utilize their banking tools for and in my personal needs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2023-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday XX/XX/XXXX we deposited a {$2000.00} Bank of America pay check to our Bank of America checking account that was opened in XXXX and has always been in good standing. The check was issued to us and deposited because there was an employer error and the normal ACH wasn't sent. At the time we deposited the check we were told it would be available on Monday XX/XX/XXXX and so we completed the deposit. When we looked later, Bank of America has now decided to hold the on-us check until Friday XX/XX/XXXX. They will not cancel the deposit so we can go back to the employer and request that an ACH be sent instead. We have approximately 2.5 times the amount of the check already on deposit with Bank of America. This check is drawn off the same financial institution that it was deposited to. Our accounts have always been in good standing. The only returned item we have ever had on the account was due to an error by Bank of America in applying our overdraft protection from oursavings account which no one there was ever able to provide an explanation for. We called a couple of times and were given broad and general lists of why checks may be placed on hold, but no one was able to tell us specifically why this check was held and they refused with generic scripts to cancel the extended hold or to cancel the deposit entirely. This is an on-us check and Bank of America can tell right now if this check is good but they're refusing to do anything about it or give us any information. It is my understanding that Reg CC specifically disallows multi day holds being placed on on-us checks and requires that specific reasons be given for extended holds and that the extended holds must be " reasonable ''. None of those are being followed in this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61938
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I had a bank of America cc, which never had a late payment and had just been paid off on XX/XX/. The following day, the card was closed without notice and without consent. Today, XX/XX/, a statement was generated stating I owe money ( which I do not ) and that the " available spending limit '' ( meaning, as per my statement, the account is active ). I have called several times and Bank of America refuses to correct the " amount owed '' ( I do not own anything ), and they have been dishonest stating they " sent me a notice '' ( all notices are online, that's how I see my statement, and there are no other notices ). Didn't they just get into trouble for this? If the fines they have been ordered to pay do not teach them to handle business legally, why are they still in business at all?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78640
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A