Date Received: 2023-09-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have a saving account with bank of america. There only options is to close by mail or by phone. Which is crazy in this day and age. I tried calling by phone. Out of 17 options for my saving account, 'closing it is not one '. The automated voice dose not understand closing acocount. I have spend over 2 hours trying to talk to someone. I have also been cut of on a number of occaisions for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: THE INFORMATION ATTACHED TO THIS COMPLAINT IS IDENTIFIED AS IDENTITY THEFT AND IS NOT RELATABLE TO ANY TRANSACTIONS MADE BY ME. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THESE CHARGES. I AM REQUESTING YOU BLOCK AND DELETE THE INFORMATION. MY REQUEST IS NOT MADE IN ERROR NOR IS MY REQUEST IS RESULT OF MISREPRESENTATION.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My brother is XXXX he have and account with bank of America I submitted every paper work they requested and still they are blocked me status is the documents are not notarized as you can see it is need your help please
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10456
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
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: Bank of America - VISA A BoA customer used his VISA card to purchase online services from me. He subscribed to 6 Fast Feed Accounts ( valued at XXXX USD per account ). Customer therefore had 6 active subscriptions starting from XXXX XX/XX/2023 until XXXX XX/XX/2023. Customer then contacted his bank and filed a 10.4 complaint, saying that he didnt make these purchases himself. BoA filed a dispute using the XXXX XXXX with my merchant XXXX. This system is completely inadequate and as such, I was unable to provide " compelling evidence '' to BoA as this requires the upload of the chat transcript I had with the customer. I have such compelling evidence as customer, who identified himself previously in XXXX chat, provided his email address ( which he uses to make online payment for the last 5 years according to XXXX XXXX XXXX ). I called BOA and attempted to contact XXXX XXXX, the agent that is supposedly handling these 4 dispute-cases against my company to no avail. The number she left in the dispute section leads to BOA, however, they refuse to redirect my call to XXXX XXXX. I explained what had transpired to an agent, and she told me that the only way for me to update the case is through their online system, which I no longer can access as my section of evidence provisioning is closed. There is as such, no further way to reach BoA to provide compelling evidence and as such, I am standing to lose XXXX USD, simply because BoA 's inept evidence provisioning system or the inability for such a bank to provide direct dial through ways to get in contact with a human to explain and provide evidence. As such, BoA is an accessory to commit fraud because it is impossible to update these types of cases with sufficient evidence without the ability to upload and foremost UPDATE cases.
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: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On several dates I requested the proper adjudication of multiple claims. -Several claims were mishandled and not completed as advised. -On XX/XX/XXXX BOA Claims Mgr advised I would receive my funds returned to me via check from XXXX claim amounts : {$190.00} {$48.00} {$48.00} {$48.00} {$22.00} -BOA has not disbursed issued my deposit funds after account closure. -Claims were not processed or resolved in the proper time frame per California State guidelines. -BOA is in violation of the claims adjudication time frame. They keep reopening claims as stall tactics. -Claims were not filed correctly resulting in an erroneous denial. Even though proof was provided. -On XX/XX/XXXX and XX/XX/XXXX I provided multiple faxed documents requested by BOA to local Bank Center . Was advised claim would be resolved within week. It has been over a month in addition to the the original filing date. -Ive made several calls with an Attorney conferenced on the call when Ive spoken with ALL agents. Misinformation, false information, harassment, discrimination and retaliation was witnessed by Legal counsel and BOA employees who were also conferenced on the calls. -Unethical bank practices -Failure to properly authenticate account when conferenced with a 3rd party merchant. XX/XX/XXXX -On XXXX XXXX XXXX XXXX ( merchant ) was conferenced on call with myself and BOA Supervisor. Sup did not follow proper 3rd party call, she heard the merchant advise they could not honor purchased voucher and to get refund from XXXX XXXX XXXX had violated the agreement between those two. Sup did not document any information, she did not reopen claim as she advised she would and call was dropped and BOA Supervisor did not call back. -I specifically requested phone only contact due to my XXXX in presence of my legal counsel. BOA refused to honor that request. -BOA claimed they did have Mgt available - On XX/XX/XXXX -I contacted BOA XXXX times, was passed around, refused service and was spoken to and treated horribly. In addition I had to file multiple formal complaints over multiple days : Complaint ID XXXX XXXX XXXX XXXX XXXX ID XXXX NO mail only XXXX XXXX ID disconnect complaint frm XX/XX/XXXX Req XXXX Belligerent employee ref esc XXXX Acct not authenticated XXXX BOA has violated my Consumer Rights as well as my Privacy Rights. They are in violation of the FOIA Freedom of Information Act. I am interested in pursuing legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My cards were stolen from my person on XXXX from a local store. I was not made aware immediately. The fraudulent charge was posted the following week due to it being an end-of-week date, so I did not receive a bank notification or statement notification for the balance until the following Monday. I filed a dispute with Bank of America for the transaction of {$1200.00} for a fraudulent XXXX purchase that was later determined to be an anonymous online purchase by investigating police. The police case number was provided to Bank of America by phone once made on XX/XX/ and I was not advised at that time that my case had been closed. Initially, the claim was rejected stating that it had not posted to my account when it had. They re-opened the case after I called a second time in late XXXX inquiring why there had been no updates and after receiving a determination letter that the claim had been rejected for not posting and provided my account the credit at that time. After investigating, they determined that they would not pay on the account due to my " required physical presence '' for the order, which I was not present for. I have not provided my PIN or signature to any individual and online credit card purchases do not require a signature. I have requested all paper documentation regarding this case and am filing a complaint with the bank as well as CFPB. BOFA informed me that there was no documentation available to send but they will re-open the claim for consideration without the credit to the account with a determination due in 45 days. Crime Case Number : XXXX, XXXX XXXX Police Department BOFA Claim Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83854
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I lost my card around XX/XX/XXXX ( Account # XXXX XXXX XXXX XXXX Visa Signature but shown as Account # XXXX XXXX XXXX XXXX on XX/XX/XXXX closing statement ), which is currently # XXXX XXXX XXXX XXXX, and I found out about it around XXXX and then reported it lost and stolen. Apparently, I also saw another transaction on XX/XX/XXXX that wasn't mine. I had to report it to the issuer, Bank of America, and I wanted to let them know that I didn't make these charges. After a month of not hearing from the bank or getting any letters, I decided to call them back and ask for an update, and I was told that it was resolved almost 2 weeks later. After speaking with the representative, I was told by the bank that I made these charges even though I did not have the card in my possession, and so all provisional credits were reversed. I decided that I wanted to reopen the case with a police report on file, and right now it is stuck pending. I was told that a letter was sent out to me, but I never got the letter, and when I checked online, it didn't say anything other than a reason why it was closed. The letter said " The merchant provided documentation confirming you received the merchandise or service ''. I saw a number on the bottom of the PDF letter, and I called for information and detailed information, but I never go to that letter after requesting it over a month, so I called around the beginning of XXXX, and they said that they were still researching, but no provisional credit was issued to me. I have no information about the letter or any evidence supporting it, so I am writing it here just in case. In the claim 's history, it said, I can not pay, '' but it didn't say anything in detail or give me anything regarding it.I also filed a police report. Police Report # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94124
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Advertising
Subissue: Confusing or misleading advertising about the card
Consumer Complaint: Now the bank has lied about the photos of me They had nothing to do with me getting money from there account I used their ATM to retrieve money from another account and they took the pictures of me getting money out of that account and use them on my Bank of America account and that's not true or accurate they have committed another felony on my account by doing this and now they say that they paid me both of my claims which is a bald-faced lie this bank is lying and doing more lying they telling you guys one thing and telling me another thing and all I want is my money that they took for me when they took that {$37000.00} that they place to my account they took a {$20000.00} claim I had and a {$9000.00} claim I cash and they all so made up of {$8000.00} claim to take it back for me so I would like all that money back and I also want my XXXX back that they took of mine this bank is ripping me off and they doing it by committing felonies on my my account are you guys supposed to be helping us to get our money back from this bank because you guys are letting this Bank commit felony after felony on my account and lie after lie on my account and fix up my account the way they want to fix it up with which none of it is true and I mean none of it this Bank falsified my whole account to steal my money from me and I was in hopes that you guys could help with me to get it back but you are not paying me this bank no attention I wonder if this bank is paid you guys to look the other way cuz that's what you guys are doing you looking the other way why this bank is committing felonies on my account and committing crimes on my account to keep my money and I don't know these people why are they doing this to me I've been suffering and going through a whole bunch of heartache and pain for three whole years that this bank has been keeping my money from me what's their problem and what's your problem I need my money I need medications I need to pay back rent I need my money for whatever reason I need it for is my money that I worked hard for what gives this Bank the right to steal my money and dictate my whole life for the last three years you guys need to do something about this bank and y'all need to do something about this bank now cuz I'm not the only person they doing this to this bank is doing committing crimes on people accounts and they need to be in prison
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I purchased an XXXX XXXX online for {$300.00}, The seller never shipped my item. I put in a dispute with XXXX which was unresolved, On XX/XX/2023 I filed a dispute with my bank, Bank of America since I used my debit card to facilitate payment. I was told by the agent in the Fraud Department that Id have the temporary provisional credit for {$300.00} applied to my account within 48-72 hours, Today XX/XX/2023 I still havent received my credit, I called Bank of America who stated that this doesnt fall under some federal law so they arent giving me a credit. This is the first time in my XXXX years with the bank that Ive not gotten a credit, My money was stolen and Bank of America seems to be helping the thief instead of their own customer. I want my money returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-20
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023 I went to pay my friend XXXX for her XXXX XXXX XXXX. I then noticed in the activity that multiple charges were not recognized. A lot of them were XXXX Games and XXXX people with XXXX transactions each that were identical that I did not know who they were. I then remembered an email from what I thought was XXXX that stated my account needed attention. I clicked on email back in XXXX and the screen kept loading after I put my login credentials in. I suspect that I was a victim of a phishing email. I reported the unauthorized charges immediately with my explanation. The XXXX games had started in XXXX per statement with small transactions that would not be caught without investigation. The XXXX charges to unkown people were back to back. BOFA declined my claim within 2 days stating that I had logged into my online banking " x '' number of times. I called for an explanation and the CSR stated that they had put the wrong reason code for claim and it needed to be fixed and then escalated. This was XX/XX/XXXX and they stated it was escalated and that I would have a response in 72 hours. This time came and went with nothing. I called and they stated that my claim was not escalated and would re-do the claim again. After everyday calling BOFA, I received different answers each time. I hope whoever receives this messages listens to every recording. The claims department does not know left arm from right arm. I was told I was getting provisional credits since it falls under Reg E and their mistake for not submitting claim reason code correct the first time to " I do not qualify for provisional credit '' due to x, y, z reasons ( which were different each time ). Frustrated, I called and asked to speak to supervisor who said since my claim was escalated that I no longer qualify even if it was their mistake. He even said that since I clicked on phishing email that it was now a billing error and not fraud. This makes no sense. All the research I have conducted points out that I am entitled to provisional credit. Supervisor said that they are waiting for response from merchant. Does this not qualify as accepted claim and provisional credit due to me, the consumer? I am beyone XXXX. I have XXXX kids and bills to pay and have now beeen out XXXX due to the incompentence law breakers of BOFA. I want my money back now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-09-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A