Date Received: 2023-09-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed a claim in XXXX of XXXX in the amount of {$1000.00} it was denied XX/XX/XXXX reopened XX/XX/XXXX denied XX/XX/XXXX reopened XX/XX/XXXX & since then its still been pending its been over 3 years Ive been waiting on a resolution Ive called numerous times only to be given the runaround and told there is no time frame for a resolution which is absurd because how long does it take to investigate unauthorized charges theres no way it takes over 3 years I filed a complaint & an escalation XX/XX/XXXX & they still said as of today that there is no time limit on this claim or the escalation Im not sure what is going on but I need help with this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48706
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: case # XXXX To whom it concerns ; My account was hacked or somehow compromised on XXXX XXXX for the amount of XXXX to pay a apple card last XXXX ending XXXX, the next day XXXX 2023 the amount of XXXX was paid to an apple card last XXXX ending in XXXX... I have never owned a apple card in my life or had a XXXX sacks account, been a gold member of your bank for approximately 38 years. I have contacted fraud division of bank of america several times and was told they will review it again immediately, yesterday received a letter stating it was denied, so I called back and was told that's not the way the do that I have to submit this in e mail, was told this 1 week later..My account was left with XXXX dollars which was not enough to pay my own bills, I am a senior citizen, XXXX vet on a small pension, I had a major XXXX XXXX 5 years ago and this is not helping, too much stress from this. XXXX things, my phone was stolen 6 months ago in XXXX. XXXX XXXX XXXX XXXX ago I opened a cd from the hermit branch and after that my account was violated.Ive repeatedly asked to be notified immediately, and received a letter in the mail 2 weeks later. I have contacted the police and have a file number of # XXXX out of the perris sheriff station. Also contacted the Consumer Financial Protection Bureau with a complaint number XXXX. Have been into the branch manger in XXXX for help, to no avail. I have also contacted the XXXX XXXX I at XXXX. This is a hardship for me i am pleading for help Please contact me asap my phone is XXXX, you have my email XXXX. I have also contacted XXXX XXXX and they verified no account, then contacted XXXX card and verified no account in my name in my name. I am desperate and please need your help Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 925XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Over the past year, Bank of America has kept failed wire transfer fees when either the wire was initiated using the self-directed wire transfer option under Transfer/payments online or in branch repeatedly. Can recall 3 failed wire transfers where Bank of America has kept the fees without properly reversing them to me timely. If Bank of America 's employees are unable to enter correct wire instructions and/or if their fields in the self-direct wire transfer were clear, conspicuous and understandable to an average person, then these wire transfer attempts would not have failed. Lastly, Bank of America does not provide the same wire transfer fields on the self-directed wire transfer under Transfer/payments, as it does when going into a branch, and having a representative to enter the fields. Bank of America makes it extremely easy to ACH and send money peer to peer, but has failed to create a user/ADA friendly wire transfer platform on its website. The fields that are asked from customers as myself are extremely different than wiring instructions provided by XXXX XXXX, XXXX XXXX, and XXXX. Due to these material differences, users like myself can not make timely and opportune transfers.In a couple instances, I have loss over XXXX XXXXXXXX in day trading/investing opportunity at my external brokerage accounts because Bank of America 's confusing, unconventional and cumbersome self-directed wire transfer platform. This is further uncovered by the fact that 3/4 time when I go to the Branch to have a wire performed, the branch representatives also find it difficult to use Bank of America 's wire transfer platform, and have great difficulty entering standardized wire instructions from other financial institutions onto its platform. Lastly, due to dilemma raised by the limitations of Bank of America 's self-directed wire transfer platform, customers like myself are forced to go into branches with an iota of hope to get wire transfers completed and completed successfully ; although as mentioned XXXX XXXX reps have difficulty processing wire transfers on XXXX XXXX platforms as well. XXXX knows that customers can not just walk into branches to perform wires, but they are encumbered by XXXX representative scheduling in which in some times are heavily booked and again financially injures customers like myself to wire money timely, notwithstanding the time, gas, pain, XXXX and emotional distress associated with jumping hoops to do such. In some instances, I have had to drive long distances just to find an available XXXX representative. These issues above have costs my thousands of dollars and lingering heartache and emotional distress as a result, because the Bank I have frequented business for years undermines my financial freedom/mobility and ability to generate wealth for myself and my family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/23 I filed a claim dispute through Bank of America from merchant XXXX in the amount of {$5300.00}. It's been more than 90 days and the claim has yet to be resolved. It's now XX/XX/XXXX, and I've been getting nothing but a run around to nowhere. Bank of America refuses to resolve the claim and credit the funds into my account. Now my account is overdrawn, and if funds are not deposited in a timely manner, the account will be closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33496
Submitted Via: Web
Date Sent: 2023-09-19
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: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XXXX I sent a dispute for two items from a specific merchant. 1 transaction was for failure to provide the service that I purchased/ Failure to provide advertised refund. The second was an unauthorized transaction from the same merchant. I provided full and adequate information in my dispute for BOA to open and process an investigation with the merchant, On XX/XX/XXXX I received a letter from BOA requesting " additional information '' concerning the case. The majority of the information requested had already been provided in my initial dispute. I sent a full response up by Fax and Postal mail on XX/XX/XXXX. On XXXX I received a second letter asking me to sign a form to report the charges as unauthorized and issue a new card. I returned this form on XXXX by Postal Mail. On XX/XX/XXXX I received a letter from BOA ( Dated XXXX ) stating that the case had been closed because additional information was not sufficient or received in a timely manner. I very promptly replied to BOA 's arguably burdensome inquires. I.e. BOA requested information already provided as well as mailed multiple requests that could have easily been combined into a single inquiry. Additionally BOA asked for information to be returned in a timeline not reasonable by today 's Postal Mail standards. I am very concerned based on this experience that customers are being denied their rights to dispute purchases intentionally and/or unintentionally by BOA. The requested response deadlines provided by BOA could not be met by the typical customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40503
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: Fraud or scam
Subissue:
Consumer Complaint: My company was acquired by XXXX last year and the relationship with my former XXXX XXXX ( XXXX ) was being terminated this year, forcing me to transfer my XXXX funds. I chose to directly roll the XXXX ( approx $ XXXX ) into my new XXXX XXXX account. XXXX insisted on a paper check being sent to my home address from XXXX, then sent on to XXXX 's retirement services department in IL. I received the paper check, added the necessary rollover paperwork, and mailed it all ( XXXX ) to Accenture on XX/XX/XXXX or XXXX from an official USPS mailbox in XXXX, CT. The check was somehow intercepted, forged, and deposited or cashed on XX/XX/28 at XXXX. I discovered this on XX/XX/XXXX when XXXX sent me the attached forged check after I inquired about why it still wasn't showing up in my account at XXXX. We submitted a Declaration of Unauthorized Endorsement to XXXX the week of XX/XX/XXXX. I understand their fraud division opened a case with Bank of America the same week. I spoke with the police on XX/XX/28 to open a report and filed a complaint with the XXXX the same day. XXXX XXXX fraud department is in contact with Bank of America ( not sure which branch was responsible ) yet they are refusing to return my funds despite acknowledging the fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I paid my account balance of XXXX in full and still was charge an additional {$160.00} interest rate. On my XXXX statement from XX/XX/XXXX-XX/XX/XXXX, it says that I had a previous balance of {$11000.00} and had made a payment of {$12000.00}, paying my previous balance in full. On my XXXX statement it included one charge that hadnt been paid of {$67.00} from XX/XX/XXXX and received an interest charge of {$160.00}. I called and explained that I paid my previous statement in full and it didnt make sense that they continue to charge me interest fees, especially since I havent experience this with other credit cards or other car/student loans. Usually when you pay the full balance, that stops the collection of interest rate fees. They said the charge was correct and can continue charging interest until two months in arrow are paid in full. Someone could easily pay off their credit card in full and continue accumulating endless interest fees. This feels like predatory business practice that should be change and most likely impact other customers. Also, their should be a refund for interest rates charge after balance was paid it off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
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: 2023-09-19
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said account. BK OF AMER XXXX was reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America hold placed on my business account. This hold has restricted my access to funds, severely impacting my ability to meet essential financial commitments such as rent, loan payments, and credit card dues. Despite my efforts to understand the reason through customer service, I've received no clear explanation, only advice to wait. This is highly concerning, as I rely on these funds for daily life and business operations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America Check Processing Center Dear Bank of America Check Processing Center, I hope this letter finds you well. I am writing to inform you about a check that I recently received in the amount of {$5000.00} USD, which is intended for deposit into my business checking account at XXXX XXXX XXXX. I kindly request that Bank of America and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to verify and confirm that the check is clear for deposit into XXXX XXXX XXXX Business Checking Account. Your prompt attention to this matter is greatly appreciated, as it will ensure the smooth and timely processing of this transaction. If there are any additional steps or information required from my end, please do not hesitate to contact me at XXXX or via email at XXXX. Thank you for your assistance in this matter, and I look forward to the successful completion of this transaction. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A