Date Received: 2023-09-15
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have two accounts with Bank of America in both on supposed to be zero interest rate, but they charge me more interest rate on my credit card because I did not make any purchases on one of them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
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: Funds not received from closed account
Consumer Complaint: Bank of America closed my business account and dont give me the balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44139
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have frequented this location several times to purchase construction/renovation materials. I have received the first few orders. However, since XXXX of XXXX I have purchased flooring, windows, interior doors, exterior doors, bathroom vanities, a kitchen cabinet, microwave and oven range that has not been delivered. Including a partial delivery for lumber - missing items. I have been promised delivery on several occasions and have yet to receive my full delivery. This order totals approx XXXX XXXX. What seemed to be a reputable business has turned into a scam, it is also believed that the employees are being paid " under the table '' and some have since quit or been fired after not being paid. I opened a chargeback request through my bank of america account and was temporarily issued a credit while and investigation took place. I logged into my app and noticed they have since reversed the temporary credit stating they have received a contract. I have never signed a contract with these individuals and have photo and video proof of merchandise not being delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 297XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XX/XX/23 I had {$70.00} in my checking account and now it dropped without me knowing about any fees I always see my checking account going down without being notified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 919XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Bank of America has two accounts under my personal information, one of {$1000.00} and over {$5000.00}. Someone is using my personal information to open credit cards and get a car loan. I have tried to do a dispute and they refuse to remove me. There is also a loan car under my credit that will also need to be reported
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was involved in a scam with my XXXX, transaction with Bank of America. An impostor from Bank of America called me and I interpret them to being real. I ended up transferring funds to reverse the transaction, but I ended up sending it to a scammer. Bank of America researched my claim and they rejected and didnt approve my claim. They told me that they couldnt recover the funds. This was a scam so they are responsible or the other party is responsible returning my funds. I contacted Bank of America and told him to reopen my claim, and to recover these funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02021
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
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. XXXX XXXX XXXX XXXXXXXX. This item was reflected as a late payment on my credit report in violation of Federal Law. Under FCRA you are required 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: 92024
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Request To Review Denied Claims Dear Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX regarding the numerous disputed transactions that were filed on my Bank of America account ending in XXXX. While I appreciate you providing a detailed summary of the claims and their respective statuses, I find your uneven approvals and denials of these claims to be highly perplexing. As evidenced by the subject matter and timing of these charges, it is abundantly clear that they originate from the same fraudulent scheme perpetrated by an unknown third party without my consent. However, your decision to approve certain claims ( XXXX, XXXX ) while denying the majority of others appears inconsistent at best and contradictory at worst. If you had investigated the claims thoroughly, you would have undoubtedly reached the conclusion that these charges lack merit across the board. I am hard pressed to comprehend why approvals were granted for some and not others, when they clearly exhibit the same indicators of fraud according to my account history and your documentation. This arbitrary cherry-picking of disputes to approve casts serious doubt on the rigor of your investigative process. I request that Bank of America undertake a comprehensive review of ALL submitted claims with greater scrutiny and care before reaching determinations. Moving forward, I expect that my disputes will be evaluated fairly based on their individual merits, not on vague assumptions or internal policies that fail to account for nuances in fraud patterns. Additionally, please provide a detailed, point-by-point explanation for why each claim was approved or denied. I believe I am entitled to understand the rationale behind these decisions that directly affected my finances and livelihood. Anything less would be a disservice to your customers who trust you to thoroughly investigate fraud and reimburse them accordingly. I look forward to receiving your response to address these inconsistencies and provide next steps. Please feel free to contact me if any additional information is required from my end. As the victim of an apparent scam, I hope you can understand my position and desire for fair treatment and transparency from my financial institution. Thank you in advance for your cooperation and understanding.Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: This was XXXX of the most humiliating experiences of my life, and happened on Wednesday, XX/XX/23 from XXXXXXXX XXXX XXXXXXXX at Bank of America , located on XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX I received my debit card from the XXXX in XXXX, and these debit cards are all from Bank of America. I received the debit card earlier this day, and activated it online using the website. I went into the branch because I did not want to withdraw cash, and wanted to withdraw a check, as I dont use Bank of America . After waiting, XXXX of the representatives asked me to insert my debit card, and entered my PIN. I did this twice, and the representative said it didnt work, and asked me to give my ID. So I gave it, and she asked me to come around the corner and did not even give me and explanation of what she is doing at this point. ( I also used the card an ATM shortly before and my PIN worked fine, I just did not want to take cash out and thats why I went into the branch ). I then waited at the ladys desk, and she was trying to do something on the computer, and then asked me to login to my online banking. Before I could even have a chance, she just said wait Ill be back. She just took my license and debit card and walked to the back again, and I asked if I can have my cards back. She said hold on and then just ran into the back of the bank. At this point, I have no explanation of what she is doing with my cards ( ID and debit card ), no estimated time, nothing at all when I just wanted to withdraw my OWN money, which I have documents and electronic accounts to show its all my money and its my debit card. At this point, no one is coming back to get me, and I have to go to the front of the bank on the line again, and ask where my cards are. Someone else came out from the back and gave me my ID, and said the debit card got stuck in the machine, and they cant take it out. I then was very shocked and upset, and told her I need my card back. I literally just received the card in the mail earlier in the day, which I was waiting weeks for. She then said show me your online banking account. At this point, I suspected even further they are thinking this isnt my card or whatever they want to think. She then goes into the back again without giving me a chance to even login and show her!! I then just login on my phone so I can show the tellers my account, and demand that the manager or teller come out so I can show them. The same lady who originally helped me comes out, and starts looking at my account. She then asked my name again, and I said my name is right there on the account, and you have my ID! She then asked to show me another card with my name, which I did, and then went into the back again to get my debit card back. She then handed it to me and did not say a word. I said you should be ashamed of yourself, this is how you treat people? Just take their cards and dont say anything? No further help, no explanation, no withdrawal of my money, nothing at all. Just accusation of fraud and stealing with NO EVIDENCE, and they were stealing MY CARDS!!! This was XXXX of the most disgusting and traumatizing experiences of my life. I felt like I was being robbed! Bank of America also got sued because they were holding peoples unemployment money! I am so disgusted by these practices, and disgusted by the rude, unprofessional, discriminating staff at this location!! This was theft! The bank tellers just stole my ID and my debit card and I had to demand to get it back!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: hello, I am holding a Bank of America checking account which I opened in USA. Now I am not in USA anymore. On XX/XX/2023, I initiated a wire transfer, which I was directed by BOA associate to use a XXXX XXXX with my finger print, to transfer the money to my son 's account in USA other bank, and then my account was blocked by BOA. When I called the BOA, they said I need to go to BOA financial center in person in USA. My question is there is no reaching out to me for confirmation of the wire transfer to decide if it is a fraud or not, and then my account is blocked, is this legal or who authorized the BOA to make this decision? I am not going to USA any more, and I want my money either go to my son 's account in USA, and come back to my own account outside USA, and BOA is a bank? which I have tried 4 years to get my money out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A