Date Received: 2023-09-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a credit card with Bank of America and I scheduled a payment of {$300.00}. That payment returned for insufficient funds. It's an account I use to pay bills and I made a mistake with my balance. I called the bank customer service and asked if that amount would be charged again and the associate I spoke with said it wouldn't because she could not see anything to be charged on her system and I would have to reschedule a new payment manually. I did not schedule anything on the same day and when I checked my account the next day, the amount was being charged again and returned with insufficient funds again. They canceled my card for that reason. I did not have any payments overdue. They even said that was not justifying reason to cancel my card, and they would do that based on my debit amount with other institutions. However all my payments are on time. I've called them around XXXX weeks ago because I want to negociate my debit and the person who I talked to was really rude, screaming at me and justifying her rudeness saying that I had payments returned because of insufficient funds! I requested that she treated me polite and with respect, but the more I asked, the more she screamed at me with because I had my payment returned. I felt really discriminated by the way she treated me, especially because I'm a hard work person, who works 3 jobs to pay my bills on time, as my credit score shows. I felt humiliated by Bank of America. The way they treat people they can not profit from. They had no reason to treat me like that, I always paid them, at least the minimum amount on my card. What I want now from Bank of America is not the credit card anymore, but the discount on my debit due to my difficult Financial situation. They have already caused damage to my credit score by simply canceling my card. They treated me with discrimination because of my financial situation and you can see that on the phone calls that I believe they have recorded. I want them to listen to the 2 phone calls I had with their associates : The first one in which I asked if I would be charged again and the second one in which their associate treated me aggressively and with discrimination. They can't just do that to people who are going through a difficult time, but paying on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I checked my credit score and it had a hard inquiry from Bank of America which it is effectively tampering with my score when I called to let the know what was going on they let me know like I knew I didnt have an account with them I have never contacted with them for any reason with that being said 15 USC 1681 the accuracy and fairness of credit reporting the information on my report is not accurate nor fair please removed the inquiry off my report as soon as possible or my next step will be to take legal action and file suite .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38024
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: On XX/XX/2023, I filed the attached complaint against both Bank of America and their representing counsel, XXXX, XXXX, and XXXX. Bank of America responded that since this was in litigation, it was to be addressed with their firm. In response to the complaint filed, their firm filed a prompt response with the CFPB and on or near XXXX XXXX, sent me what I presume to be a proposed court order ( attached ). My assumption is the attached proposed court order was to satisfy the original complaint that this firm was inappropriately delaying my case. As illustrated in the attachment, Bank XXXXf Americas firm vehemently denied that allegation. However, on or near XX/XX/2023, I received notification from Bank of Americas attorneys that they were responding to a Failure to Prosecute ( attached ) initiated by the State of Florida, for time languishing between court events. The above-mentioned proposed order, sent to both my employer ( garnishee ) and myself, WAS NOT sent to the court. No effectual activity was done to proceed with my case and now, further time has languished. A reasonable person would question the intention behind this mismanagement of court documents. One paper delivered erroneously is understandable, this makes two documents I have received that the court has not. At this time of record inflation, surging fuel charges, and Florida energy increases of 20 %, I am unable to navigate the inconsistencies of this case that surely do not follow Florida law. For a year, I have had no ability to intervene and discuss the financial hardship this has and is creating. When I received the proposed court order, I was relieved because this would give me the opportunity to present an appeal. Though I would be out further funds to defend my case, this would be a path forward to correcting and alleviating a dire situation these errors continue to create. To date, I have not seen any activity with the proposed order. This judgement will be fully satisfied in approximately one week. I have been rendered completely defenseless. Surely this is an abuse of debt collection practices, at minimum. In addition to financial hardships created by circumventing the judicial process, I have battled severe bouts of anxiety for the past year and, especially, the last few months with increases in all living expenses, I have been unsure how my family could survive. Bank of America has been sited before for improper garnishment techniques and I ask the CFPB to review these facts and documents and see that this is continued garnishment abuse by this bank, carried out by their firm, and endured by me. I truly hope that no other consumer is expected to endure a collection process like mine. This has required unspeakable mental fortitude that the bank has no compassion and accountability for, which is a shameful business practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My brother became XXXX he gave me power of attorney before he got sick they cut his leg so he went to a XXXXXXXX XXXX until he get his XXXX I went to the bank because I need to pay the XXXXXXXX XXXX the first time I access the bank they told me that how he got sick so quickly I took the Dr report and letter then they say the letter from the notary I did that and they still have me waiting is bad because my brother need his money can you help me the media will eat this up for breakfast that will be my next step thank you XXXX bless you and your angels watch over you always my name is XXXX XXXX XXXX my brother name is XXXX XXXX XXXX XXXX hope you can help really really need your help so I can pay his XXXXXXXX XXXX the reason I can't bring him home is because I have a coop no elevator my brother have XXXX 3 times a week if I bring him home with XXXXXXXX XXXX he would not go to XXXX then he's going to end up in the hospital and is not going to be easy for me XXXX blessing
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: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I got a letter stating that I put a stop payment on an account from XX/XX/XXXX to XX/XX/XXXX. That was in my name I didn't open a account with BofA till XXXX so someone at that bank had an account open and was withdrawing money without my consent I have a letter stating that is from BofA. Then XXXXne of the bank representatives told me about consequential harm and damages I knew nothing of this untill she said
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95993
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: BOFA Sent the information, I wrote a complete report ( 48 pages ) with all the information showing the weakness of BofA security and they responded the same, that the transaction was authorized from a known device, without any explication how they prove that,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My credit report is showing late payments to BANK OF AMERICA XXXXXXXX. 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 BANK OF AMERICA XXXX customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: My Business XXXX XXXX XXXX account mailed a check for {$5500.00} to U.S. Treasury. The check was deposited into a Bank of America account. I filled a claim with XXXX on XX/XX/2023, XXXX submitted claim for fund reimbursement. To date Bank of America has not responded to XXXX request of claim.I have sent 4 emails directly to Bank of America fraud claims with no response. The check for {$5500.00} was made out to US Treasury, The check was deposited into a Bank of America account, which is clearly not the US Treasury. It has been over 90 days now. XXXX claims that BOA is responsible for the funds. My claim number is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I did not authorize this XXXX that was charged. By XXXXXXXX XXXX for Bank Of America to charge this XXXX I notified them n was wrongfully reversed plus they have for months been charging me this illegally XXXX month fee witch I have not been using any of this bank services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/XXXX I was scammed out of {$500.00} from a buyer on XXXX XXXX! he was suppose to be purchasing a washer and dryer from my XXXX daughter who has XXXX kids and was getting evicted! so i was trying to help her out this guy XXXX XXXX offered to purchase the set for the asking price of {$900.00} he supposedly XXXX the money and XXXX contacted me and said in order to get the funds he sent i had to send {$500.00} because my account wasn't a business account once sent then i could withdraw {$1400.00}! my daughter was desperate im thinking this was legit, but i was WRONG!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A