BANK OF AMERICA, NATIONAL ASSOCIATION


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"Products" offered by BANK OF AMERICA, NATIONAL ASSOCIATION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Debt or credit management - Student loan debt relief
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Pawn loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - ID prepaid card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 8481410

Date Received: 2024-03-05

Issue: Problem with a purchase or transfer

Subissue: Card company isn't resolving a dispute about a purchase or transfer

Consumer Complaint: XX/XX/XXXX I was arrested bye the police ... after my arrest someone took my personal belongings including my wallet and debit card. Unfortunately I was sent to prison for three years ... During this time my card was being used for multiple purchases and withdrawals.. I did not authorize these transactions and I had no clue where or who had my card ... After my release I looked at the transactions and seen my account was drained. I notified police and they suggested I notify the bank no report could be filed because it was two years prior ... the total unauthorized transactions were about {$13000.00} claims dept denied me twice.. I provided supporting document of my arrest and the release date if my incarceration. I am a legitimate victim and bank of America has added insult to injury... I was incarcerated between XX/XX/XXXX and released XX/XX/XXXX please help me recovery funds

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 95991

Submitted Via: Web

Date Sent: 2024-03-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8479515

Date Received: 2024-03-05

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I paid my credit card account {$9200.00} in full on XX/XX/2024. The payment was completed manually as I transferred money from my checking account to BOA My credit card balance was {$0.00}. Yesterday, on XX/XX/2024, BOA withdrew another full payment for the account in the amount of {$9200.00} once again by automatic payment. In essence, I paid twice for the same credit card bill. I called BOA to complain and asked for an immediate refund of the {$9200.00} that is owed to me. The bank refused a immediate refund and stated I would need to wait 10 days for them to refund the money that BOA withdrew from my checking account. This is BOAs fault and they dont need to hold my refund for 10 days.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CO

Zip: 809XX

Submitted Via: Web

Date Sent: 2024-03-05

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8477279

Date Received: 2024-03-05

Issue: Problem with a company's investigation into an existing problem

Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone

Consumer Complaint: I have called the attorneys office that they provided and I havent gotten any response back and its been days. I really need this to be resolved.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 30028

Submitted Via: Web

Date Sent: 2024-03-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8476644

Date Received: 2024-03-04

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: First, I am XXXX. My XXXX is direct-deposited monthly into my Bank of America checking account. For my XX/XX/2024 deposit, I moved most of it to my savings, and a few days ago the XXXX XXXX XXXX was given my last {$260.00}. Bank of America claims that it is correct that they can not attach my XXXX money, but if it moves out of the original account it was deposited into, it's fair game. XXXX says they don't tell B of A what to do, and they won't give my money back. I am penniless until my next XXXX XXXX XXXX deposit. It is hard to understand that they can leave me with no money for anything, food, transportation, bills ... .when it is perfectly clear those funds are from my XXXX.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92123

Submitted Via: Web

Date Sent: 2024-03-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8473448

Date Received: 2024-03-06

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I received a Cashiers Check from a long time BOA customer and deposited the funds in my long term BOA account at the branch the Cashier check was obtained. Upon deposit I was given written documentation stating that the week long hold was placed on ( my ) deposit because we have information indicating the check may be returned. This is a misleading, false and deceptive statement. I would like immediate access to the funds OR interest at my current savings rate of 4.75 % APR until the funds are made available.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MO

Zip: 640XX

Submitted Via: Web

Date Sent: 2024-03-06

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8473359

Date Received: 2024-03-05

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: I filed a complaint about Bank of America on XX/XX/XXXX, and received a response from said company in writing on XX/XX/XXXX that advised that I requested that the account be closed on XX/XX/XXXX. I have called XXXX XXXX to discuss this matter and have not received a response. I never made any such request. This request would have to be made in writing and therefore there should be some documentation to support this claim. I am requesting proof as soon as possible. Thank you, XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 11236

Submitted Via: Web

Date Sent: 2024-03-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8470275

Date Received: 2024-03-04

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: To whom it may concern, Im currently in the middle of a fraud dispute with Bank of America on multiple credit cards on my account. I finally spoke to representative named XXXX XXXX who is in executive escalation and is assisting with my investigation. This is very first time in over a year in a half that my dispute has been open that I even reached this department. In the past my dispute was being rejected with auto message without looking into complexity of issue or ever reaching deciding department. My whole process is inconsistent one persons hears one side of story notes account looks into it and then its another rep does the same thing now its missing part of the same story. Its very hard to have resolution with no point of contact to even speak to resolve, and I cant reach this department who makes the decision because they don't take inbound calls. So finally after year in a half I'm reaching a person in the very department that makes the decision makes me think my investigation wasn't being taken serious. Now they have been threatening to charge off my account while the matter is being investigated. Can we please come to resolution before charging my accounts off that are fraudulent and in question. They balances are continuing to increase and gain interest. Not once have they even at the minimum considered a partial repayment or to discuss alternative solution. They have just been ignoring my pleas not caring how this will damage my credit reputation and Im not this kind of customer with any institution. The scammer who did this is not missing any sleep, not financially responsible, probably doing this to someone else, I really need a fair resolution. I'm not saying its BOA fault but other banking institutions even called me to tell me i was a victim of someone having remote access to my phone from they had fraud department at XXXX XXXX that notified me about this and returned my funds and closed my accounts and gave me new ones. I was also instructed go to XXXX to do a hardware reset. As I stated I have a XXXX credit score and no credit blemishes whatsoever. I'm a victim of elaborate scam and because they did a good job I'm being left with 100 % of the responsibility which isn't right. I even paid all he cards while the dispute was going to show good faith until the charges became too much to float and run my business. I paid the balances of over XXXX even when scam was going on cause i didn't know or see the individual charges. I was just having my employee keeping up with the bills keeping them current as we grow. Now i pay all my bills myself and look thru individualized statement not just total amount. I run a small business and we do the best we can i have multiple businesses projects, credit relationships, employees, its a lot to keep up with and this went under my radar because of nature of business and investing we do. I'm just asking for some grace with this I wouldn't have been able to be scammed without my Bank of America card that is why I'm pleading with you guys not to ruin my financial reputation over something i didn't do despite how good the thief was. I just don't feel like i should be the only one that is feeling the effect of this I'm well aware now of BOA timeline for fraud reporting policies etc. but these criminals came after me and it worked now " only '' me is at fault. Bank of America is looking at this as how big of a loss it is to them. However I'm no where close to the bank in revenue and they aren't realizing this is ruining my business and credit relationships with other lenders. I feel like the bank isn't taking this serious or even looking into this. I didn't make these charges I've been adamant about that. I'm also being held responsible despite not actually doing the charges because a criminal found a way to go under the radar use my credit cards to finance there scheme and then don't have to worry about being held responsible cause its fraud and they don't care that's customers issue not theirs. I've gone thru all the steps called the merchants in question looked up the merchants charges on my account disputed with them too. I even found one merchant was even arrested for fraud ( XXXX XXXX ). {$8000.00} charge in a city i have never been too maybe went through there or restaurant i have never eaten at. The other merchants XXXX and XXXX agreed they weren't my accounts and shut them down based on address accounts were registered under and names. However they wouldn't give me access to account or to get any information of who individuals were because of privacy and technically i didn't setup account even though they were using my cards. This is unique situation and I'm just asking for some leniency due to the timeline and complexity of matter. I just don't believe it's a good solution for either of us that the criminal who commits the fraud against me and banking system gets away and ruins the responsible customers finances due to a good ploy to steal that is successful I get you dont want anything to do with this but I find it hard that no one has reviewed this and came back to connect with me or try to sort this unique situation out. I just feel like all the departments are just playing keep away and its my financial reputation and credit at stake. Without having this Boa product this couldnt have happened thats why Im asking for some empathy in finding some resolution.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: GA

Zip: 30038

Submitted Via: Web

Date Sent: 2024-03-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8467561

Date Received: 2024-03-03

Issue: Trouble during payment process

Subissue: Loan sold or transferred to another company

Consumer Complaint: trying to information about my home loan modification, we have been modified but it took XXXX years and added an additional XXXX dollars to my loan, can i get someone to explain or sit down with to go over this problem and how to go about to get answers, XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CT

Zip: 06851

Submitted Via: Web

Date Sent: 2024-03-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8465198

Date Received: 2024-03-03

Issue: Credit monitoring or identity theft protection services

Subissue: Problem canceling credit monitoring or identify theft protection service

Consumer Complaint: I went to check my credit score and I see that I have a credit card debt I only have one credit card I dont have a BANK OF AMERICA CREDIT CARD SOMEONE IS DOING FRAUD AND IT IT MESSING WITH MY CREDIT

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92405

Submitted Via: Web

Date Sent: 2024-03-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8463922

Date Received: 2024-03-03

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Under XXXX Membership # XXXX Section XXXX XXXX reporting only. Section XXXX and XXXX seem to be correct. I only have 17 open accounts and NOT 19 what XXXX is stated. The extra two accounts are listed duplicate twice ...... I dont know who is at fault, but somebody needs to look into this issue immediately. I DO NOT have 2 of the same BOA Cards & XXXX XXXX XXXX It is an overall concern that becomes a problem in the availability percentage and utilization ratios in my credit reports.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TX

Zip: 77377

Submitted Via: Web

Date Sent: 2024-03-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.