Date Received: 2023-09-23
Issue: Problem with customer service
Subissue:
Consumer Complaint: I stood in line for a hour got to the teller, she calls over another XXXX woman who happens to be customer care they talk in XXXX type a few things then tell that I can not cash my check because you guys have a check cashing limit. I then said you guys charge non customers to cash checks no matter the amount and she said that they do not do that I MUST have an account with them. The check is for XXXX from my lawfirm who happens to bank with boa so boa is who issued the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: In XX/XX/XXXX I paid off and closed my credit card account with Bank of America in order to avoid the annual fee. A week later, when I went in to get historical information, I discovered my online banking account had been completely XXXX because I no longer had any active accounts. In order to get it reinstated I opened a checking account through my husband, only to discover once I logged in that my closed credit card, and all of my transaction history and statements no longer existed. I contacted Bank of America on XX/XX/XXXX in order to ask for them to send me electronic copies of my transaction history or statements, and they told me this was no longer possible ( despite being required by law to keep this information for years after the account is closed ), and that they would only provide it on paper via mail or in a branch ( the closest of which is 2 hours from me ). Given that they are required to still have this information stored in their electronic database, completely hiding the account immediately from me and refusing to provide the information they are legally required to provide in any format other than paper feels deliberately difficult and as though they are punishing me for closing an account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04401
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/XXXX I went to my local Bank of America branch. I wanted XXXX cashier 's checks to the same apartment complex but they wanted XXXX separate cashier 's checks. XXXX for {$25.00}, XXXX and XXXX totalling worth {$620.00}. I was never informed of the charges/fees at the counter. XXXX XXXX who was the teller was distracted by the ATM team/truck and he was the only teller so he excused himself. Returned back and processed the cashier 's check transaction. At no point did he say the charges were $ XXXX. I went home the next day I saw a charge of {$670.00} was posted on my account. I called BofA and was told only the branch can make these changes. Upon receiving an email for customer satisfaction survey I responded to the survey and the Branch Manager called me the following morning. He assured me he will look into it and will reverse the charges but he also added " I can not grantee it ''. After waiting for days, I wrote to Bank of America 's investors relations and other got a response from someone who said I can correspond with her on her Co provided cellphone and she will get back to me. It's been over a month. For almost XXXX decades I have banked with Bank of America when they acquired me as a customer from XXXX acquisition. For all these years and especially during financial crisis I have kept upto XXXX months of my household expenses in cash in my checking account with this Bank. From XXXX through XXXX my avg bank balances were very high and I didn't get any interest and I didn't care. In these years I have used maybe XXXX cashier 's checks including these XXXX and money transfer possibly 4 times. Bank has no business in charging me fees that first of all shouldn't cost them anything but ink and paper. Secondly sending updates to their fees or service changes is absurd. Do they recognize customers just don't pack up and go to a competitor because there are more fees? Of course they do and they capitalize on it. If a bank employee is mediocre they will have no issues in firing the employee but the banks services and treatment of customers is poor and no one us responsible. Today is XX/XX/XXXX the incident of have reported to Bank of America 3 times occurred on XX/XX/XXXX. Should the XXXX management be fired for performing a mediocre job? There is no response and no one cares? They called me and promised me to " train '' the employee better that's it? Seriously why is there a {$15.00} charge for a {$25.00} cashier 's check? My son for whom I was getting the cashier 's checks is a recent graduate from XXXX. His XXXX charges $ XXXX 's check if BofA had told me XXXX were going to charge me despite my " preferred '' customer status would I have gotten the checks from BofA? My son has had his banking relationship with the bank for 4 years at XXXX, I have a Banking relationship that goes back to XXXX. Does it matter when BofA deposits XXXX interest for my deposits in checking account to see how much they are and have been making off of my money over the years? Shameless behavior
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Since XXXX a hacker entered my account in Bank of America and stole my identity and cloned my debit card the hacker made various purchases through a company named XXXX with XXXX and I explained to the bank that my account got hacked and they sent me a new debit card and I didn't authorize any purchases and the bank argue that I authorized 2 transactions for on XX/XX/XXXX but I wasn't me also my phone got hacked as well. We made 1 claim with the bank, and they refused to settle the claim and refused a reconsideration. Also, we sent an email of the evidence and mailed the pictures of everything that Bank of America sent to my phone. They closed the claim and refused to pay us the amount of {$7600.00}. They haven't sent proof of the transaction that I supposedly approved. I told them that it was the hacker who authorized the transaction and not me. The bank also told us that it was 26 transactions made from XXXX and I didn't authorize any of them. I never received any notification of any fraudulent activity and I felt unhappy with how the bank escalated this matter. Also, I don't feel secure using them in the future. They didn't protect me as a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to cash a 3rd party check which is my son 's check he is XXXX yrs old but not available to go with me in the branch. my son signed the back of the check and wrote pay to the order of my name he endorsed it to me to deposit it in my account and cash it. I have his California ID card and my ID. spoke with customer service with BOA one of their manager by the name of XXXX told me yes, we can deposit and cash 3rd party checks as long as it is signed by your son and pay to you. you can go to one of our branches they should deposit or cash it for you. but, when I went there XXXX XXXX financial center manager and assistant vice president of BOA on XXXX XXXX XXXX XXXX, XXXX CA, XXXX ( XXXX ) XXXX XXXX told me No we don't deposit or cash 3rd party checks at all BOA don't cash or deposit 3rd party checks even if it i signed or have His ID. I told him XXXX customer service manager from XXXX said you can XXXX said NO we don't and he was very rude the way he was talking I was sitting with my other son and he was standing in the office talking to me he just wanted us to leave and I asked I would like to wait here and call the customer service to confirm which one is correct. Then XXXX came in the office standing both in front of us talking no we cant. instead of trying to find out who we talked to if they can get hold of them or check online both said we already know. which is unfair practice not sure who was telling me the right info. was waste of my money went by taxi came back by taxi and got headache and XXXX XXXX said we don't know who XXXX is from the customer service and there is no way for us to check who you talked to. so this is our policy. we left when I came home called their customer service again XXXX talked to XXXX from Florida and she also reviewed said they were supposed to help you in the branch because it says on the guideline but when she called the branch talked to someone in XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX said no we cant accept 3rd party checks. XXXX also changed her words after talked to branch on XXXX XXXX. I told XXXX your guidelines has other info and you said they should of help you but now you changed your word after you talk to branch. someone has to review this complaint because I went thru headache and they should be responsible for the money I paid for taxi and my time and headaches. she created the case # XXXX Please get back to me regarding this matter. I called other banks they have no problem to deposit or cash. I will go to another bank but, I took pictures of the checks to clear this with BOA they should pay for my time, taxi fees and the headaches and XXXX and the way XXXX talked to me standing talking fast and rude. he was suppose to set and talk answer our questions that is why he asked us to go to one of their offices which was unprofessional. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95212
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-23
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: the dispute was filed so long ago i dont recall each transaction or amount of each transaction but the disputed amount is for {$3100.00} and was filed all the way back in 2021 and my claim is still yet to be resolved. i've submitted all documentaion thats been requested from me and have called countless times as to the status of my claim and each time all they say is we can file a complaint on the timeframe of the claim but that obviously isnt dong any good because wer 're going on 3 years with no resolution to the claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92395
Submitted Via: Web
Date Sent: 2023-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Found out near the end of XXXX that my XXXX XXXX XXXX tanked by XXXX points. A possible result for the decrease was from an opened credit account in XX/XX/XXXX that opened for 2 years and ended on a late payment of 120 days in XX/XX/XXXX. From my best recollection, I was not physically in the United States for longer than 20 days, and am unable to open a credit account as I did not have an SSN and only visited the US as a dependant with my family using a visitor visa before XXXX. From this, I believed it to be a mistake or fraudulent account and attempted to dispute this with XXXX, I received a result from XXXX on XX/XX/XXXX stating that the dispute had been denied as BoFA presented " evidence '' and certified that the information was accurate. I was guided to find the " evidence '' from the company that reported the information " BoFA '', and attempted to do so in person at a local branch. The investigation was escalated to the Texas main branch of BoFA, but the personnel stated that they could not find a record of the said credit card account being opened or closed from XXXX. I brought the new information to XXXX with a new dispute claim and requested a review, requesting the evidence that BoFA would show to XXXX to refute my dispute. The result from XXXX on XX/XX/XXXX was various other records from my credit history being removed, however, the Credit Card account has not been removed. They also did not provide any information on what evidence BoFA used to certify that the information was accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: During my trips to XXXX and in XXXX this year, I was charged 3 percent foreign transaction fees for every purchases I made while abroad. Their associates never informed me of the foreign transactions fees when I opened the account at the Bank of America Branch in 2022. I have called their customer service department and credit card department many times but they did not provide any explanations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received an Emergency from BOA ( my bank NEVER uses this to identify the message ) text late in the evening from ( XXXX ) XXXX requesting me to use a link the text provided, to check my personal banking account, and verify if I approved an extremely larger Bill pay which will be debited from my bank account. This text was meant to trigger me into using the link required check my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I log in to my BofA credit card account ending in XXXX to make a payment online. After I am logged in, when I select the " Make Payment '' button I keep getting a popup box that shows : " Your request can't be processed due to account status. Please contact us for assistance at XXXX ''. This has been going on since XXXX. When I called XXXX, I spoke with a BofA customer service person who told me that she did not know why this was happening and did not know when I would be able to make a payment online. This is an unacceptable level of service. I use the BofA online payment system to make payments using the BofA epay system which lets me set up payments days, weeks, or months in advance. This way I can set up a payment when I am thinking about it and not have to worry about a late charge when the payment comes due. Now that I can not pay my account online, I also can not set up advance payment ( s ). Because I pay my bills online, BofA is, in effect, not allowing me to make or setup my payment ( s ) so they will not be late and subject to one of BofA 's outrageous late charges!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2023-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A