Date Received: 2024-02-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called Bank of America to get info about the status of my account and the available balance in order to re-activate my account if needed. They asked for XXXX number i provided the number and also the issuance and expiration dates. As well as passport number used during onboarding. As they indicated if you provide these information we can verify your identity and provide you all information request you required. But after providing they said we can not reach your account and then they said we could not verify you. I asked to get a case/ complaint number they refused but later they provided the case number which is XXXX. Please listen to the recorded call at XXXX XXXX XXXX XXXX time to find out how they refused and all the needed info were provided. I am willing to go on video call/face time to verify my identity if needed since i am outside the US currently .
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: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I was in XXXX Florida. I lost my phone/stolen and visited Bank of America branch . I met with an XXXX in parking lot. I understood him to be completely attending the customer into the bank branch in XXXX XXXX and confronted a stranger. He apparently was acting some kind security. I attempted to get service at a branch in XXXX, Florida. I met with complete hostility by employee 's Bank of America. I guess I didnt speak XXXX. What is it about culture politics and banking. Florida, California, Arizona, New Jersey. are some of the culture politics and banking. Finance, transportation are area of business shouldnt be based on classism, ethnic background.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07030
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: BANK OF AMERICA allowed me to open two accounts on line and let me deposit money. Turns around and denies me as customer. Meanwhile they have my money which they say will be returned by check. Very unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 014XX
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I can not reach Bank of America. They will not respond to any messages, nor will answer their, Customer Service, telephone line. I message them constantly. My last message to them : 3 XX/XX/XXXX Absolutely the worst back in the world. I paid through my checking account and sent two checks in the amount of {$180.00} to my account a month ago and it still hasnt posted to my account. What is going on with you? I have called your customer service, line, spent over an hour on hold each time, five times; wasting five hours of my time over the last month with no one ever answering me. Im praying Bank of America will go out of business immediately and every one of you lose your jobs. YOU are ridiculous and disgusting. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Idaho XXXX Phone : XXXX XXXX XXXXstudio Why dont YOU call me? ( I KNOW you wont ). You have a new online bill from Bank of America Credit Card Account Number : XXXX Due Date : XX/XX/XXXX Total Minimum Payment Due : {$70.00} Statement Balance : {$210.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am stressed and displeased that I see so many fraudulent accounts on my credit report. This is really damaging my credit worthiness. I am trying to buy a car for me and my family and this is not fair. I have tried several times to get these accounts removed. Let alone, my information was in a XXXX & XXXX breach some months ago so I thought you all would protect my consumer report. I do not feel that my information is being protected.This is a defamation to my character and this is a federal law violation. According to, 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) my consumer report fairness and privacy has been violated. The biggest violation yall are in is HJR 192. As all depths are prepaid, there is no valid claim for any further payment. I am upset!! I am depending on the banking system and credit reporting agency to promote my privacy and fairness and they have not. This is not right and going against my federal consumer rights. This is causing emotional and mental stress as of now. Also it is illegal these companies should NOT be furnisher people 's information to 3rd party companies so this is illegal, neglect and SECURITIES FRAUD. I have already reported this to the local police department and Federal Trade Commission. These companies and the credit bureaus can get sued for these damages. This is negatively effecting my livelihood and putting me in a bad space. I feel your database is inaccurate and I am filing ligation against this if these items aren't removed Immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
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: RE : Bank of America XXXX XXXX about a XXXX fraudulent charge made to my Bank of America credit card XXXX in XXXX To Whom it May Concern at the Claims Research Department of Bank of America : I am writing to contest a fraudulent {XXXX purchase made to my stolen Bank of America credit card XXXX ending in ****, on XXXX XXXX, XX/XX/XXXX. Summary Four of my credit and debit cards were stolen from a bag in my parked vehicle on XX/XX/XXXX, and ~ {XXXX} in total fraudulent transactions made. My Bank of America Visa Card ending in **** was among those stolen, and one fraudulent charge in the amount of {$100.00} was made to the card, with other charges being automatically declined after I responded No to a BofA fraud alert text message. I filed a XXXX Police Report & FTC Identity Theft report following the thefts and provided my notes and investigation information in detail to Bank of America. My original XXXX claim that was submitted on XX/XX/XXXX was denied. I called Bank of America XXXX times between XX/XX/XXXX and XX/XX/XXXX about the status of my claim. As of XX/XX/XXXX, I still have not yet been credited back the XXXX. I am still requesting a credit for the {XXXX} that was fraudulently charged to my XXXX card on XX/XX/XXXX. Description of Events I was visiting the XXXX XXXX XXXX at the XXXX end of the XXXX XXXX in XXXX, WA on XXXX morning, XX/XX/XXXX, and parked my vehicle in a spot close to the entrance around XXXX XXXX. When I returned to my vehicle shortly around XXXX on XX/XX/XXXX, after receiving mobile fraud alerts banks starting around XXXX XXXX, I observed my front passenger car window completely shattered and my backpack that I had placed on the front passenger floor missing. My backpack contained electronics, clothing, and a coin purse that I used to store my cash, credit, and debit cards. I placed fraud alerts and credit freezes on my credit file with the 3 credit bureaus : XXXX, XXXX, and XXXX on XX/XX/XXXX. I also filed an Identity Theft report on identitytheft.gov ( I provided this information to my fax to B of A ). I have included notes about my 16 calls to Bank of America below : BANK OF AMERICA XXXX XXXX Department - XXXX Claims Department - XXXX ( XXXX XXXX ) Main Support Line - XXXX Bank of America XXXX XXXX XXXX XXXX XXXX in response to Did you authorize activity? text message fraud alert on XX/XX/XXXX at XXXX, which blocked card * Called XXXX on XX/XX/XXXX at XXXX XXXX ( XXXX mins - on hold, no contact ) * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins - on hold, no contact ) * Called Claims at XXXX on XX/XX/XXXX at XXXX ( XXXX mins ) On XX/XX/XXXX - Received provisional credit * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins - on hold, no contact ) * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins ) * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins ) * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins ) * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins - on hold, no contact ) * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins ) * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins ) - On XX/XX/XXXX, I was charged XXXX again after my claim was denied. I called to re-open my claim. * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins )- I called the B of A Claims Department hotline back on XX/XX/XXXX at XXXX XXXX regarding my original XX/XX/XXXX claim that had been denied. The first agent was able to view the closed claim but could not re-open it. He transferred me to another Claims line, and the second Rep was able to re-open the claim. I provided the second Rep with the XXXX Police Report #, the XXXX Police XXXX XXXX, as well as the FTC report #. She provided the following claim # : XXXX. She also provided the following fax and mailing address for the Claims Resolution Department : Fax : XXXX, B of A Claims Research, XXXX XXXX XXXX, XXXX TX XXXX. I faxed in a XXXX page document to XXXX with my statement, the XXXX Police Department report, and the FTC report on XX/XX/XXXX at XXXX PT via Dropbox Fax. * Called XXXX on XXXX at XXXX XXXX ( XXXX mins ) - Spoke to agent from Fraud Department who recommended I reach out to Claims. Said he could not issue provisional credit. * Called XXXX on XX/XX/XXXX at XXXX ( XXXX mins ) - Spoke to XXXX XXXX? ), who provided the XXXX XXXX number and said she handles only new claims. She also said she would research the issue and get back to me. * Called XXXX on XX/XX/XXXX at XXXX XXXX ( XXXX mins ) - Spoke to agent who said she could not issue provisional credit. She instructed that I call back to receive credit for any interest payment for the {$100.00} fee. Initially put me on hold to speak to a supervisor, then instructed me that all supervisors were off work, then said Claims is XXXX but XXXX is XXXX hours. I mentioned I would wait for the supervisor. She then transferred me to XXXX. I spoke to XXXX, supervisor of fraud claims, who could not issue a provisional refund but entered notes to see if he could escalate my claim. * Called XXXX on XX/XX/XXXX at XXXX XXXX ( XXXX mins ) - Spoke to a general agent who informed me that the Claims department was closed. He checked my claim and stated that it was still pending. He then added another note to my dispute that I had called to check the status of my claim. I inquired when my dispute would be processed and he did not know. He stated that claims usually take 45 days to process and was unsure why my claim has been open for over 60 days. He was not able to offer any additional assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Bank of America continues to willfully falsely report my mortgage as 90 days and 30 days late although I HAVE NEVER been late and this was verified by them and stated in the last resolution. YET the credit reporting department continues to verify the INCORRECT reporting as of XX/XX/XXXX causing me serious financial harm. At this point it would be considered malicious. I am given the information that it was corrected, yet when disputed it is falsely verified instead of corrected. My modified loan began XX/XX/XXXX and I made ALL PAYMENTS ON TIME. Never late, never over 30 days late. This is LEGALLY VERIFIABLE. In addition BofA misappropriated a payment to principal, their OWN error and yet reported as late. Wrongly reporting last payments as well. Legal action is being taken, this just further documents Bank of America 's willful wrong reporting. Damages accrue daily.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96761
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: BANK OF AMERICA ASSOCIATE KEEP LIEING TO ME ABOUT A COULPE OF THING ONE IS I AM AN LLC AND I AM TRYING TO APPLY FOR A CRIDIT LINE OF {$50000.00} AND THEY TELL ME I DONT QUALIFY BECAUSE OF MY PERSONAL CRIDIT SCORE ANOTHER ISSUE I AM HAVING IS WITH MY OLINE ACCOUNT THE ORDER OF PAYMENT ARE MIXED AND NOT IN ORDER WITCH IS CONFUSING AND THE OTHER ISSUE I AM HAVING IS MONEY PAID TO THE CARD KEEPS CHANGING WITHOUT BEING SPENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92253
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: THIS IS THE 2ND TIME WE ARE FILING THIS COMPLAINT. IT APPEARS BANK OF AMERICA IS CASUALLY IGNORING THE CONSUMER COMPLAINT PROCESS THROUGH THE CFPB. COPY IS ALSO MAILED TO XXXX VIA THE US POSTAL SERVICE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WE ARE NOT THE ONLY ONE IN THIS CLASS WE BELIEVE MANY, IF NOT ALL, OTHER PROPERTIES THAT BOFA TOOK OVER FROM XXXX AND FORECLOSED ON ALSO WERE DEPRIVED OF THE REFUND TO THEM OF SURPLUS FORECLOSURE FUNDS. THIS IS A COMPLAINT FOR RETURN OF SURPLUS FORECLOSURE FUNDS THAT XXXX BANK STOLE FROM XXXX AND ILLEGALLY APPROPRIATED FOR THEMSELVES. THE SURPLUS STOLEN IS AROUND {$35000.00}. Sir : After taking over our home loan from XXXX XXXX XXXX XXXX Bank of America ignored our many communications that : 1. We have a loan modification application pending with XXXX XXXX. And that we are dealing with extensive black mold infestation in the house Without sufficient legal notice, they illegally foreclosed on the property and sold it to FNMA ( documentation provided previously ). BofA ignored the hold on the loan placed on the property while we were discussing a loan modification and working out a more affordable payment plan. Stretchable and Deceptive Interest Calculation It Seemed Designed to XXXX Up All and Any Remaining Funds We learned that BofA sold the house for substantially more than the loan amount, however, it appeared that BofA made sure to use up all excess funds above the loan balance by tacking on misleading, inaccurate and bogus interests and fees so that there will be no surplus foreclosure fund that normally would be returned to the homeowner. Thus, there should have been Surplus Funds of about {$15000.00}. We are Not the Only XXXX in this Class There XXXX be Other Members of the Class i.e. Owners of Foreclosed Properties that Never Got the Surplus Funds They are Entitled To During this period of XXXX Foreclosure crisis XXXX thru XXXX - hundreds of thousands ( maybe millions ) of homeowners lost their homes many of them through fraudulent foreclosures. As featured in XXXX minutes, hundreds of banks in their rush to foreclose forged and manufactured assignment of mortgages, and deeds and fake notices either signed by a certain XXXX XXXX, as XXXX XXXX of all thousands of different financial institutions and banks. There is of course no real XXXX XXXX she is a concoction of the banks. A XXXX XXXX of Consumers We believe that BofA during this period foreclosed on properties and never returned a single dollar to the thousands of homeowners of the properties they took over from XXXX and foreclosed on. Requesting a Full Audit We ask that the CFPB audit all foreclosure accounting done on all properties that BoA took over from XXXX and foreclosed on during the period XXXX XXXX. It is public knowledge that BofA lost money in their acquisition of XXXX By suppressing most, if not all, refunds of foreclosure surplus funds, it appears this is the way, albeit illegal, BofA was mitigating their loss on the XXXX acquisition. XXXX XXXX XXXX Former homeowner of property at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hi, my case XXXX wasn't solved. BOA said they sent me a letter response but I never received it. The case left me 60 days to respond on CFPB but I was traveling out of the country and wasn't be able to respond in time. When I checked my case today and it shows it is already closed. In a word, my case was not solved at all and nothing ( credit report ) has changed so far. It is very disappointing that I even don't have a place to leave even a simple comment or feedback.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A