Date Received: 2023-09-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I opened a claim because a merchant over charged me and the service I was asking for wasnt the one they was providing. I requested a cancellation to the merchant ( XXXX XXXXXXXX ) and the service was supposed to start the next day and I canceled the Same day I took it without Leaving the merchant site. I first the merchant Told me they did it, for my records I asked for a cancellation prouf or paper, the merchant started fighting and I told them I will call the police .She told me she wont give me a refund because I stepped out but I was in the front of the office because I was checking on the paper she gave me, she did not explain me anything telling me everything is a email they will send me ( I got a quote from an agent on the phone and I when to the closest place to paid it. The original price I was supposed to pay was {$230.00} ) when the lady I find there charged me {$330.00} because they were already a quote. When I checked I realized she over charged me and that wasnt a service I was asking for. I called immediately the agent who did my quote she apologize to me and told me the company they find for me is not providing it at the moment and she asked me if I would like to cancel and I told her yes, she told me to go back inside and request for cancellation and make sure to get a confirmation paper.Now they told my bank I did not cancel it and I sent my bank the paper stating cancellation request and proof I got another insurance after I canceled it and my bank credited the claim money I opened. I submitted all documents.they tried to lied I sign something but they forgot to put the XXXX I signed but all documents showed everything was on the XXXX I even my bank transactions was on the XXXX .which means they was lying. I gave all all documents to the bank the event didnt check they just closed my case stating I did not give them enough evidence.what else they want than a cancellation paper? Please check attached for documents and all explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77079
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: 2023-09-13
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I am a XXXX XXXXXXXX XXXX member. I have auto loan with bank of america. they already asked me to submit my XXXX order and already approved and applied XXXX benefit to my account. But when I apply the auto loan, the interest is still higher than 6 %. I told them to fix it but they said they could not do it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: As happened in 2022, I received a prepaid XXXX card from XXXX XXXX because I am a part of a study they are running on behalf of the XXXX. This time, I received two cards, not just one. I tried to set up the two card per Bank of America 's instructions, and at first I was sent to an account I already had on their prepaid card site, and when logged into my account there, I was offered no option of adding these two new cards. Instead, I had to set up two more accounts, one for each of these new cards. So, once again Bank of America is working as hard as it can to deny people the ability to use these prepaid cards. For a total of {$50.00}, I now have three Bank of America Prepaid card accounts, with individual usernames and passwords. Seems like intentional obfuscation to me. Oh, and for that first card that they tried to charge me for activating, despite the fact that their system wasn't even working properly at the time, they continue to send me spam emails, reporting that there has been no activity on a card that I exhausted the available balance well over a year ago, heading towards two years now. Please, hold these XXXX accountable for pulling these kinds of stunts. If I had a credit card with Bank of America, which I once had until I closed because of the bank 's predatory practices, it was easy for me to set up a single account for my checking, savings, and credit card account, which amazingly were all associated with one and only one account. Bank of America should be required to do the same for these silly prepaid cards. If they are allowed to sell these items into the marketplace, they should be required to make it easy to both manage them and use them. And for the record, they should not be allowed to issue one-time use, plastic cards. If they are going to issue plastic cards, those cards should be required to be ones that people can add value to if they want to do that. That would be in keeping with good environmental stewardship, which the US federal government should be promoting. Finally, I want to thank you folks for holding Bank of America accountable for all the XXXX fees it was charging people. Now, they no longer charge if someone needs to call in to activate one of these silly cards. So, there is progress here ; but not enough. Too Big to Fail Bank of America is still taking advantage of consumers with its prepaid cards, and that needs to be stopped. I am also on a XXXX XXXX at XXXX XXXX, and amazingly I get a prepaid card from those folks every month. I don't have to set up an account to use those XXXX cards, and it is easy to find out the balance left on them online. So, if one company can do this, Bank of America can do it too. I now have three accounts on the Bank of America prepaid card site, all with distinct usernames and passwords. I was forced to offer Bank of America security question answers three times now. That is total XXXX, and should not be allowed. That is abuse of consumers, period, end of sentence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21213
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank Of America violated Consumer Financial Protection Act, Unfair and Deceptive Practices, Consent Order 2022-CFPB-0004 related to Failure to conduct investigation on error notice, failed to provide credit to account and Applied Faulty Fraud Filter which resulted on denial of error claims to consumer accounts that reported unauthorized transactions. Bank of America with an on going Orders and subject to oversight by CFPB regarding certain Consumer Protection Law and Regulation. Bank of America still continue to deceive and unfairly treats reported notice of error which harmed consumers are left without redress or any resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91007
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: 2023-09-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXXXXXX I attempted to open an " XXXX XXXX '' personal checking account. I submitted my application online and was informed the following : " We're sorry but we're unable to open your Bank of America account ( s ) online. However we can help you open your account at a local financial center '' I went to the finance center at XXXX XXXX XXXX, XXXX, TX XXXX and spoke with XXXX to attempt to open my account. XXXX informed me there was a " risk disclosure '' on my account and he would be unable to open the account. He also was unable to provide any additional information and suggested I call XXXX. I called this number and was unable to reach an agent that could help provide more information on why I had a " risk disclosure '' associated with my account. I had a very similar experience on XX/XX/XXXX. I opened a checking account online on XX/XX/XXXX and funded the account with a transfer from another checking account. On XX/XX/XXXX I received notice my opening account deposit was unable to be processed and my account would be closed. I want to be able to reach someone at bank of america that can provide actual information on why there is a " risk disclosure '' on my account and why both times I have tried to open a checking account, it has not been possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-09-13
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: Banking errors
Consumer Complaint: I stayed at XXXX XXXX XXXX in XXXX. Arrived XXXXXXXX checked out XXXXI was charged for 3 night, {$600.00}, I have a receipt for that. XXXX XXXX XXXX charged me for a second room, I did not have for {$780.00}. They realized their error and refunded the money to Bank of America. Bank of America has not replaced the funds to my account. I have filed a claim with them, but the matter has not been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98032
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: A fraud claim was filed with Bank of America ( BOA ) regarding an application for and receipt of a credit card. The account number for the card is xXXXX XXXX XXXX XXXXXXXX. The card was never used for any reason - purchases, balance transfers, or lines of credit. The credit card was received but never used. I started to get statements from BOA regarding fees and interest charges. Recently, I received a phone call from BOA telling me that i have an outstanding balance for over {$600.00}. After several calls to BOA, we requested the source of the fees/interest, and asked for a complete transaction history. We received statements and a photocopy of a check dated XX/XX/XXXX XXXX showing what we were told was a balance transfer, to an entity called XXXX XXXXXXXX. This is the only transaction on the account- as I knew since the card was never used, and was also told the same by BOA. This check was never known by me, I was never told by BOA of the existence of the check, it was never authorized by me, and I had no knowledge of the payee ( XXXX XXXX ) or payment until I received the requested transaction history with the photocopy of the check. After several fraud claims were opened, we were told that the only transaction on the account was the check to XXXX XXXX. The check number is XXXX XXXX XXXX XXXX - XXXX. After a call by me today, i was told that BOA can not tell me who drafted the check, or who XXXX XXXX is, or any further information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
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: 2023-09-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: 1. I had a Bank of American credit card account with auto-pay set up on the account for over two years. 2. In XX/XX/2023, there was an amount due on my account at the end of the month. The auto-pay failed to make the required minimal payment. There was ample money in my checking account. I could find no record that Bank of America attempted to make the pre-scheduled auto-payment. 3. When I realized there was a payment due I went online and paid the full balance due along with late fees. 4. I called and asked " customer ser vice '' how/why my auto-pay feature was disabled. The representative told me simply that she didn't know. She offered no explanation. 5. I requested a refund of late fees. My request was declined by Bank of America. 6. I requested that the adverse report to the credit monitoring agencies be rescinded and corrected. My request was declined by Bank of America. 7. My credit score was adversely affected by the erroneous reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
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: 2023-09-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX Bank of America received {$5300.00} from XXXX XXXX XXXX which represented funds being returned because a payment made through BOA 's online bill payment service had been refused. XX/XX/XXXX I contacted BOA bill pay customer service to get a status. The CSR informed me that she was able to see that the funds had been returned and would initiate a request to expedite the return of the funds to my account. I received a message in response indicating that the matter was being researched and I would be contacted in 3-5 business days with an update or resolution. I contend that no research was needed because they already knew to whom the money belonged. I sent a complaint email to BOA about the delays in getting my money back into my account. XX/XX/XXXX I talked to XXXX XXXX XXXX BOA XXXXs Executive Resolutions team in response to my complaint. She just confirmed that it would take 3-5 business days to address the issue, that it was " standard '', and that nothing could be done to expedite things. XX/XX/XXXX Received a message acknowledging that BOA was in possession of my money and it would be credited to my account in 1-2 business days. XX/XX/XXXX I was able to determine that the money had been restored to my account in the XX/XX/XXXX processing cycle. I do not think that financial institutions should be able to implement these arbitrary policies regarding when customers are given access to deposits that rightfully belong to them. Funds should be credited to customers ' accounts as soon as BOA is able to determine the rightful owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
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: 2023-09-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I had originally filed a claim with Bank of America and it has been maybe 3 to 4 months now. The claim was on a transaction that I never got the crypto the company had frozed my funds now because BOFA took so long that company has erased all of how much was in their and erased all text messages the good thing I took screenshots shots of all so I have plenty of evidence of the funds being their. The amount I disputed with BOFA is {$1000.00} I just want to get that back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A