Date Received: 2023-09-16
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: XXXX XXXX - XXXX XXXX no support from Bank of America credit card. My return was not possibly although the company, the owner and sales rep said they would take it back. The problems, the items do not match the contract. When calling they say they will arrange pick up. Then they would update the policy on their site. See below : I paid to have each item assembled and the trash taken away. {$2600.00} in assembly alone. Their assemblers ran into my garage door causing an additional {$1800.00} in damage. I can not return a marble dining table at my expense that they assembled. There is no way to determine the product is incorrect without assembly. There is now way to determine a table is matte not gloss without assembly. There is no way to see the product is poly urethane not leather without assembly. The owners are complete fraud. They even added pictures of my custom made product to their site and had multiple ratings of XXXX out of XXXX when I hadnt even received the XXXX of a kind product. XXXX would not return calls and make promises they never followed up on. I spent XXXX on polyurethane not leather, received incorrect product and bank of America, my bank for 22 years offered no support for the fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
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: I want to dispute a check that wrote to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. That is check # XXXX in the amount of {$95.00} that just cleared. This Complaint involves a switch and bait tactic by this merchant. ================================= This complaint falls under compliance issues with the Magnuson-warranty Act of 1975 c/o the Federal Trade commission ============================= XXXX XXXX I bought a incinerator garbage disposal from XXXX XXXX for {$94.00} each On XXXX XXXX I called an authorized company to service an Incinerator garbage disposal which i bought from XXXX XXXX on XXXX because of performance issues and poor quality of Galvanized metal at the bottom oft he disposal which accumulated an abnormal quality of rust. Normally, because they are coated with Zinc Oxide this should not have happened. The service rep came out and spend 15 minutes servicing the unit adjusting the bolts. etc. with pliers. The day before, one of their consumer specialists told me that there would be no Problem possible replacing/servicing the unit. When the service rep was finished he said he had to charge me {$95.00}. I followed up with the merchant to no avail. If I refused to pay him it would have possible ended up in collections. affecting my credit. I just Called my bank- XXXX Bank of America dispute department and spoke with a XXXX. He told me that I could not dispute this because it was a check. However, the day before, i talked with a consumer specialist and was told that the Bank would back me up. It was annotated on my account. Could you please escalate this issue for me with Bank of America as soon as possible. I feel that this whole episode with the warranty and my Bank has been a bad experience. BOFA- They were very nasty and abrupt when i followed up and hung up in my face. My current contact information is Phone XXXX *
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bank of America changed their bill payment process on their website and their mobile app. You can't just simply login and pay the bill. You have to go to the bill payment center and ADD your credit card to that system. The system wasn't working and wouldn't show my current card with them and so I couldn't select it. So I didn't make payments. I've never been late to any other card before. And it's their new process, which is about 4 months old, that kept me from making timely payments. I have the funds and have had it all along. They refuse to acknowledge that it was their new system 's fault and will not remove the negative info from my credit report. I find this very unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76117
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/23 a XXXX XXXX banking account was opened at Bank of America without my knowledge ( acct XXXX ). I called and reported this, was given the case id : XXXX, told it would take 90 days to resolve. On XX/XX/XXXX, they requested I send a copy of my SSN to prove I didn't open the account. I declined, as they already had my SSN, DOB and address, so showing my SSN would not prove anything. On XX/XX/23 I received a letter that they decided to close my account, that they could report me and it could affect my credit, and sent me a check for {$1.00}, which was what was left in the account ( I did not cash as it is not my money ). This could damage my credit, and I was offered no cybersecurity measures or ID monitoring. Please note, I have no accounts with Bank of America, and at no point did they request I go to a branch in person to show my license to close this account immediately and flag it for fraud. There only investigation was to ask me if I suspected anyone of doing this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 a payment was made to my BofA account in the amount of {$1200.00} but when I went in the next day I noticed it wasn't there. My valid payment went to a fraud account in error that had not been removed from my online bill pay. I contacted BofA to advise and they transferred my payment to my correct account at that time which caused an overpayment. I advised the representative at that time that I just wanted them to keep the overpayment on my account and I had stuff coming through that would basically wash the credit balance. I received my statement and it said that I was past due. At that time it was also saying that I owed {$1900.00}, which I only actually owed a little over {$500.00}. I was extremely confused and noticed on my statement that on XX/XX/2023 my payment was reversed which in turn said I was past due which I am never past due. On XX/XX/XXXX I called to find out why my payment was reversed and they could not answer me as to why and said that they would have to research to find out. They did say that it was there error and that they would fix it for me. They removed my late fee and promised me that I would not received finance charges. I I then called again on XX/XX/XXXX and was told that they were still researching and that they would come to a decision as of XX/XX/XXXX. I called the company on XX/XX/XXXX to see why my account was still not credited. They tried to explain to me that they didn't know why and needed to research it again. I asked to speak with a manager and she out in a research request AGAIN to find out what was going on. On XX/XX/XXXX I received a letter saying that my issue was resolved and I received those funds back into my personal bank account, which I did not!!! I then called again on XX/XX/XXXX to escalate to another manager, gave her my personal bank account which is the only one BofA has on file and they told me that they are still " researching '' and I need to wait the 10 days. I have spoken to several people for a total of 5hrs of my time, time that I can not get back. I still have not received a phone call OR my money back to my credit card OR my personal bank account. I feel at this point that they are stealing my money. I owe nothing on this card at this time other than they money that needs to be credited back. I am getting impatient because I am never late on payments and pay in full every month and my cycle date is getting ready to hit soon and I do not want this to reflect on my credit history since this is their error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: Hello, I made a wrong balance transfer to Bank of America credit card and to correct that they issued a cashier check. But that check was never received by me or the institution ( XXXX XXXX ) which did the balance transfer in first place. Now bank of America is quoting ( Funds have been withdrawn ). I havent received the funds and neither has my institution ( First tech ). Bank of America is not filing a claims case / is not helping me locate the funds and issue a new cheque. They are not sharing the image of cheque/ account number where money was sent / address where it was sent. I have called them 20 times and every time they end up disconnecting without any resolution. My funds are stuck/ lost for no lost of mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: In XX/XX/XXXX I secured a job with the XXXX in XXXX, NC, I was supposed to start the training at the end of XX/XX/XXXX, then in XX/XX/XXXX I moved from XXXX XXXX to XXXX, NC .After that on XX/XX/XXXX due to the COVID-19 pandemic all schools were closed down, and at the same time my new employee postponed training and hiring day, so I had to remain at home with my XXXX boys XXXX and XXXX XXXX XXXX without any income. I received a call from Bank of America customer service offering XXXX pandemic relieve, stating that the bank was offering deferred payments, I was offered to stop making monthly payments during the pandemic and that the amount of the monthly payment would go to the back of the loan, so I wouldn't have to make all those payments at once as a lump sum at the end of the pandemic relieve program. I had 24 months deferred payments, the schools were closed and I had to stay home with my kids from XX/XX/XXXX until XX/XX/XXXX, my kids ages were XXXX and XXXX years. I started to make payments in XX/XX/XXXX, after the relief program ended, this are the dates and amounts of the payments made:XXXX {$150.00}, XXXX {$160.00}, XXXX $ XXXX $ XXXX {$230.00}, XXXX $ XXXX {$300.00}. Bank of America never accepted those payments towards my monthly payments, the told me that the minimum payment had to be the total amount $ XXXX since I could not make this lump sum payment Bank of America started to report me as late payments every month to the 3 credit bureaus XXXX XXXX XXXX and XXXX XXXX also after the month of XX/XX/XXXX the online portal to make payments was blocked, so I was not able to make any more payments. During various times during XXXX and XXXX I was told by Bank of America account managers that I had to make the total amount deferred totaling a lump sump payment of $ XXXX, and that any payment made less than that amount will not be reflected as a payment made. I responded that I could not make that big lump sum amount that I could only make the regular payments up to $ XXXXBank of America offered me to do a loan modification to modify the terms, I told them that this heloc was in my name and my ex-husbands name, ( only this heloc, not the original 1st mortgage loan ) that I have a divorce decree showing I am divorce, showing the house is not part of the divorce because I purchased the house on my own before I was married to him and also my ex-husband filled bankruptcy removing himself from any obligations to that heloc loan, Bank of America told me that in this case I could do the modification on my own since I was the only owner of the house, the second borrower ( my ex-husband ) XXXX XXXX was never in the house title since I purchase this property in XXXX as a single woman and we got married in XXXX, this loan was taken out in XXXX in both names but his name was never added to the house or any title. XXXX XXXX is not interested in being part of any loan modification since he has not interest on the property. I agreed to start a loan modification back in XXXX XXXX and now I just find out that Bank of America recorded a " Substitution of Trustee '' against my property without any legal notices against my knowledge. I been trying to modify this line of credit into a fully amortized loan ( meaning my payments will go towards my principal and interest ) before it goes to foreclosure, I tried to negotiate many times with different managers in the same department, and I keep getting the round around that if I don't submit a quitclaim deed from the other borrower that I cant do the modification, meanwhile I am under modification they are continuing the foreclosure process even though in the state of Nevada is illegal, they foreclosure process should have never started while I am under modification,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Over XXXX was taken from my account and I had to make claims because they kept missing out on everything and didnt want to give me my money back when my phone was stolen and someone had access to all my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I run a small business in Florida doing water damage restoration. As a result 90 % of our are paid in checks from home owner insurance policies. In the last year I have lost several employees because Bank of America just freezes my account with every deposit. When asked about the answer is always that the issuer of the check has multiple returned checks. The issue I have with that is literally every insurance company in the state of Florida would have this problem since theyve held checks from XXXX XXXX, progressive, citizens, heritage, just to name a few. This is creating a problem because every time I hire people I end up loosing them because of delays with their paychecks. If I was losing them because I didnt have the money is one thing however when the bank is constantly holding up funds creating this problem it gets annoying. Can someone please look into this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I just opened my checking account with Bank of America on XX/XX/2023. I only used it a few times. Also, I connected my direct deposit to it. But, without notice, they closed my account. I had bills to pay but everything was stopped. Other than a person calling me the XXXX, letting me know that I needed to take my ID to a local bank. I agreed and let them know that Id go to the bank on the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85756
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A