Date Received: 2023-09-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My mother has a credit card through Bank of America. She has XXXX and is unable to handle any of her own finances, so I have had legal XXXX of Attorney for her since my father died last year. A few weeks ago, I received a notice from BoA XXXXs Estate Services offering their condolences about her death and requesting a copy of the death certificate. SHE IS NOT DEAD. I have called them twice to try to get them to remove the DEAD status from her record but so far have been unable to. I've been told I either need to bring her in in person, or I need to appear in person myself to be added to her account as PoA. My mother is in no condition mentally or physically to do this, and the nearest branch to me is over 100 miles away. Even though I have provided them a copy of the PoA papers, BoA has continued to state they have no way to resolve this issue remotely, and in order to even get their legal team to review the case and consider waiving this requirement, I must file an additional official complaint with them. After speaking to a BoA manager today, she agreed to file the complaint on my behalf, and said I would hear from their legal team in two days by phone, but there should be no expectation that they will be able to do anything remotely. We have already had bills that were supposed to be charged automatically to the card get rejected, and I am concerned the longer this goes on, there is a possibility that her " death '' will be reported to other financial agencies and Social Security, which will impact her income and ability to get Medicare benefits. I've asked who notified them that she had died, and all they will tell me is it was a third-party institution, not a person, but they will give me no other details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52302
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: Fraud or scam
Subissue:
Consumer Complaint: I have accounts at BOA, I got scammed and sent money to the scammer three different times via wire transfers. The first transfer was completed with payment of {$24000.00} to an individual account on XXXXXXXX XXXX from online banking on XXXX The second transfer was completed with the amount of {$35000.00} on XX/XX/ and the third transfer was completed with the amount of {$30000.00} on XXXX Those XXXXwo transfer sent to the same account of BOA. the account name was under " XXXX XXXX XXXX '' which is a property management company. The scammer told me I am making payments to XXXX XXXX XXXX XXXX This is totally scammed. I found all true information via XXXX XXXX after I made all money transfer. I called back a week later to refund my money or cancel the transaction. They say they can only try with first transaction ( {$24000.00} ) since this was made on online backing. Other two transactions are not possible even though it was transferred to the same bank ( BOA ). Please help me to get a refund my money. I have all evidence that supports I got scammed. I got scammed by people in XXXX. they left me with bunch of debt and broke my heart.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98030
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: First dispute filed XX/XX/XXXX for the amount of {$1100.00} claim # ending XXXX was repeatedly being denied finally was ruled to my favor till XX/XX/XXXX nearly 8 months. Second dispute XX/XX/XXXX for the amount of {$2700.00} claim number XXXX was being denied till XX/XX/XXXX was ruled to my favor after 3 months. Third dispute XX/XX/XXXX {$860.00} claim number ending in XXXX was being denied repeatedly till XX/XX/XXXX over 4 months of disputing. Forth dispute XX/XX/XXXX {$1500.00} claim number ending in XXXX disputed for XXXX weeks till XX/XX/XXXX. My favorite one been disputing since XX/XX/XXXX for the amount of {$5200.00} claim number ending in XXXX and Im Ive yet to receive my money back today is XX/XX/XXXX Ive filled a police report number ending in XXXX a ftc claim number ending in XXXX a fdic claim number ending in XXXX and XXXX separate CFPB claims numbers ending in ( XXXX ) - ( XXXX ) - ( XXXX ) and yet havent received anything yet this is ridiculous if any one bothers to ask I may want to ad BofA has a huge security problem with their prepaid cards and someone needs to address this immediately!!!
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: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: My sole income is Social Security XXXX and XXXX XXXX XXXX. XXXX & XXXX started sending me collection letters on XXXX XXXX regarding a credit card from Bank of America. I sent immediatedly a cease-and-desist email indicating that my sole income were federal XXXX benefits, which are exempted from garnishment by federal law. That was not enough for XXXX XXXX XXXX, and they sued me in state court on XX/XX/2023 without serving me the papers. Fortunately, I got to know about the lawsuit on time by checking the courts online database and responded to the court. XXXX & XXXX knew that my case was an automatic dismissal, but they continued with their harassing letters threatening me with future legal action if my financial situation improved even if they could not collect currently. I filed for bankruptcy on XX/XX/2023, which orders an automatic stay while the case is resolved, and submitted the corresponding evidence to the state court. XXXX & XXXX wrote a collection letter on the same date of my bankruptcy filing and another the following day after the bankruptcy court notified all my creditors of my filing. XXXX months later, XXXX & XXXX had no option but to petition the state court to dismiss their lawsuit, and I received my discharge XXXX month later. This complaint is about three violations : ( 1 ) attempting to collect a debt from exempted income even after the debtor notified XXXX XXXX XXXX in writing ; ( XXXX ) inflicting emotional distress by threatening a XXXX debtor with future reviews of the case, including legal actions ; and ( XXXX ) sending repeated collection letters, XXXX day after the other, with the sole purpose of intimidating the debtor in violation of the automatic stay from the bankruptcy filing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I'm a customer of XXXX on XXXX XXXX I filed two individual claims one for the amount of XXXX and another for XXXX in which was supposed to be deposited into my account on XX/XX/XXXX too XXXX XXXX XXXX which during this process of these claims BofA of claim department decided to credit me XXXX then in a 5 minute expanded turned around and did a adjustment debit and proceeded to take those funds back from my account and turned around and accused me of receiving those funds. As the investigation into my claims continue to see time pass bye and into XXXX. I continue to contact BofA and the claim department till XXXX XXXX and hack a reconsideration put back in on these claims and while waiting on this matter to be resolved I also sent in supporting documents to the investigation team of BofA and still no resultion but during this wait the claim department took it upon themselves to add two different claims amount one for {$1000.00} and another for {$500.00} that I did not submit or authorize as well as not being aware that those two claims whete add in doing they decided to credit me those claim amounts to my account but want resolve the two claim that i submittin XX/XX/XXXX to be resolved and the funds credit back to my account this has been s lengthy over two and a half years with them trying to resolvef this claims and to no effort all i get is it still under investigation with no answer to why all this and its time frame
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a small business checking account for my real estate brokerage with Bank of America for over 25 years. In the last couple of years my business has been very slow and I have not been making large deposits. In XXXX of this year I had a closing and had no problems making the deposit and having it clear. This XXXX I made a larger deposit because the sale was for a larger transaction. - Unfortunately, the title company made out the check to a slightly different company name - Instead of XXXX XXXX XXXX it was made out to XXXX XXXX XXXX which is the name of a different company in a different city in my state. Despite I stopping in person and the branch manager informing me that was the most likely reason the hold was kept for 10 business days! It cleared the title company 's account the next day- which the title company verified for me. Despite me telling them that the check had cleared the issurer BOA did not lift the 10 day hold and I was told by their customer service department that NO ONE at BOA had the authority to lift the hold! I tried 2 different times and escalating both times. No one could help and no one cared. Needless to say after not having a sale in so many months I had bills that were past due and personal loans that needed to be paid. I had another commission check deposited today for under $ XXXX and again I come home after making the deposit at a teller at a different branch with the message that they thought the check was going to be returned by the XXXX XXXX XXXX XXXX XXXX and the hold was put on it! I just don't understand how they can get away with this. Checks in that account are usually from Title companies, HOA 's, or when I had them landlords for services that my company had done for them. I never had issues like this when I was making more deposits and real estate was fairly good. I have never had a large account since real estate comes and goes in cycles. I just don't understand all these holds from funds that are as good as they come since Title companies get wired funds from lenders and/or homeowners wired to their accounts to fund the transaction. I will be calling customer service again and being told the same thing- we can't do anything once a hold is placed on a check!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60543
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I had a state of Arizona unemployment claim for PUA during the pandemic. I had a prepaid debit card issued from Bank of America which the Arizona used to deposit funds on.. I did get statements every month. Recently my identity has been stolen so I have been reviewing my credit and previous accounts. I asked bofa to send me a copy of my XX/XX/2020 statement which was a archived copy. I compared it to my original copy that I still had They are Completely different I have multiple charges that are duplicates that appear tO have gone thru my account. I have charges on one at Statement but not the other. Example : on XX/XX/XXXX I sent XXXX XXXX XXXX not once but twice. So it appears I want answers to all charges that appear as duplicates. Why are the statements different?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85014
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is additional letter that Im attaching to the current claims that are pending investigation. Please attach this document for Claims ID : XXXX ( {$11000.00} ), Claims ID : XXXX ( {$8900.00} ), and Claims ID : XXXX ( {$10000.00} ) The charge is in error because the items werent delivered. I ordered XXXX orders of the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, XXXX orders of the XXXX XXXX XXXX XXXX XXXX on XX/XX/2023, and XXXX orders of the XXXX XXXX XXXX XXXX on XX/XX/2023, exclusively release in XXXX. The seller promised me to deliver the items to me on XX/XX/2023, but I never received the items. Upon checking with my seller, my seller informed me that the items she received to her house were not the cups that we were expecting it to be therefore my seller agreed to send me the refund on XX/XX/XXXX because she called me stating that the cups, she received were not the cups that I placed the orders for. She made me look like a fool into thinking that all my orders were fully secured. For 2 months, she keeps reassuring me that everything was secured and on the way. I had a feeling that she did not secure because I asked her why the package barely ship now from the other province when the release was end of XXXX. She did not reply. I have done business with my seller multiple times, and this is the first time that she has not provided me the merchandise. She even has my bank information to process the refund, so I dont see the hold up from her. I am requesting that the errors be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. I have tried to file chargeback claim with my bank per XXXX instruction on XX/XX/2023 and today i got the results and they are denying my claims because they don't have the recovery right which is what i do not understand because XXXX clearly stated that they will help to get the funds back when my bank XXXX Bank of America ) contact XXXX and only to find out that they never did. They just contact XXXX 's bank which is XXXX XXXX. I absolutely do not feel protected, depositing my money with Bank of America anymore. I will be closing my account effective immediately because of the way Bank of America has been handling dispute claim and it is truly disappointed. I've been a value member for 12 years now and this is the second time i filed dispute and Bank of America decided AGAIN not in my favor Enclosed are the copies of documentation ( screenshot from my seller ) stating that she agreed to send me the refund supporting my position and experience. I will be attaching written statement from XXXX that they have my back and will work with my bank. Please correct the error on my account promptly
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91748
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: This is something that has been going on for about 2 years now maybe three I actually even went to my local mayor as well as the FDIC in complaints to Bank of America and regards to the way that they were treating me and the fact that they were holding money from me over which was over from unemployment they continued to refer me to unemployment after my money from employment had already been transferred to my bank account at Bank of America they refuse to give me a debit card they closed my account out and I could not get my money after dealing with that for about 2 years I finally was able to speak to a representative who was able to help me and fix that now a year later I got a job and I once again now had to have Bank of America because of unemployment the very first time I contacted them they immediately had me go through security verification I had a fraudulent charge on my card within the first month of me having my I'm sorry 4 months after I had actually started my unemployment and that very first charge that I complained about they closed my account out blocked my account and told me that I could not use the funds and then they were no longer going to allow me to be a customer the date that this originally started the most recent one was XX/XX/2023 the amount of my claim was for {$400.00} and now they're refusing to give me any of my money that's on the account which is going to be over {$1500.00} I contacted them they're refusing to speak with me in any way whatsoever I asked to see to a manager several times and every time I start to spoke to manager somebody told me something different but the bottom line at this point is I have no access to my funds once again which is the same problem I had 2 years ago and at that time it was for {$5000.00} which I will submit a separate claim at this time for that amount thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
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/2023, I made a purchase of 14 items with an online retail vendor for {$290.00}. The same day, I received a shipping confirmation generated by the vendor, as well as a XXXX shipping confirmation with a US postal service tracking number. On XX/XX/XXXX, I tracked the whereabouts of the shipment through the USPS website and saw that the package status was : " Pre-shipment label printed; USPS is awaiting shipment from sender. '' I reached out to the vendor regarding the shipping status and am informed that " Processing time for orders is 7-10 business days. '' I reply that the shipping confirmation suggests that the order has already been processed and is now en route to the customer ( me ). However, the carrier has not received the package yet and I am requesting the status of the shipment, not an unprocessed order. Again, the vendor states that they " just print the shipping labels as soon as the order comes in... but the website shows that order processing takes 7-10 business days. '' Having been a long-time XXXX member and former seller, I know that XXXX holds the buyer funds until a seller ships purchased goods. Yet, I continue to wait several days for an update. After 10 business days from the time I placed the order, I contact the vendor. Vendor gives me the runaround several days until I request a refund twice. When it becomes apparent that I'm not getting anywhere with the vendor, I dispute the charge through Bank of America ( issuer ) on XX/XX/XXXX. After that, I open a fraud case directly with XXXX against the vendor, since the vendor used XXXX as the payment XXXX and generated a shipping confirmation to me through them, even though she didn't ship the items. On XX/XX/XXXX, Bank of America notifies me that they have filed the dispute with the vendor 's bank. I receive no other notifications since that time. Today, XX/XX/XXXX, I check the status of my dispute through Bank of America and see that the claim has been closed with a status of " Resolved - Claim not Paid '', with no explanation provided!! I still have not received my order and am out of the money. Now I'm opening this claim against Bank of America for closing the claim with no notification to me -- I just happened to stumble upon it -- and no explanation for the denial nor follow up. As the victim, I am not willing to eat the loss.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A