Date Received: 2023-09-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 around XXXX XXXX, I went to the ATM connected to the Bank of America at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I drove up to the drive-thru ATM furthest from the building. I submitted that I wanted to withdraw cash, and the machine let me know that it only had XXXX to dispense. I used my debit card to withdraw {$1100.00} from my checking account. We then used my husband 's card to withdraw {$1000.00} from the same ( joint ) checking account. When we counted the money, we found that that the ATM had actually dispensed XXXX dollar bills instead of XXXX. We only had {$420.00} instead of {$2100.00} in hand. We promptly went inside the bank and they said there was nothing that could be done - call customer service. Customer service advised that they had to take up to 10 business days to research the claim. This happened on the first of the month. That was my rent money. I expressed repeatedly how this is causing a hardship and was told my case would be expedited. I have not had any follow up on the case. I call and they simply say it is in research. Today, I received a 3 day notice on my door threatening eviction. My bank account is also overdrawn. The hardship is profound and completely beyond my fault. The bank has robbed me and refuses to take prompt action to make me whole again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33611
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my second complaint being filed with the CFPB. A fraudulent business bank account was opened using my information back in XXXX according to XXXX and the information on that account is now being merged with my personal account which was closed back in XXXX. The time frames of the account does not match so it cant possibly be correct. This is a violation of the FCRA and the Gramm Leach Bliley Act. I spoke with several people over the phone and filed claims, but they refuse to help me or send me any confirmation that I can take to XXXX to clear my name with this issue. ( They also can not find the claim even though they gave me a claim number which means they didnt even care to file the claim. ) The supervisors are all rude and incompetent, no one knows what to do or even who to transfer me to. I constantly get transferred XXXX or 4 times per phone call back and forth to the same departments and no one tries to help me. They all tell me to call XXXX, and when i do XXXX refers me back to bank of america since they are furnishing the information. They refuse to give me any requested information and try to rush me off the phone when i try to call them, they also ignore all of my written letters. Bank of America has opened dozens of fraudulent accounts in the past and is currently being investigated by the CFPB for similar issues as this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 912XX
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: I WAS SCAMMED XX/XX/ Heres my pitiful story. Our Bank America Credit Card wasnt working quite right, but we thought everything had been straightened out. Then I got a call from Bank America, with caller ID for them, asking if we knew XXXX... And had I sent her {$990.00} on XXXX. I said no and they gave me a long case number and two cancellation numbers then transferred me to the XXXX department. I gave the new person the info and he started having me put numbers into the search line, etc. explaining that this is the way they can block anyone from tampering with my XXXX account. I was so flustered trying to understand the XXXX guy who spoke with a heavy accent as so many companys customer service people do. I could barely keep up with writing numbers and typing them into XXXX. He explained that we needed to do it multiple times with different numbers but not to worry all would be cleared after we finished the process. On the fifth round of numbers I had enough time to see a notice on top of the XXXX page saying beware of a scam. They would never ask you to send XXXX to any numbers. I read that to him and at first he ignored it but then said he knew but he was doing what needed to be done. I said that I no longer trusted him but he said I could trust him because he had not asked for any personal info and if he were doing something bad he would hang up right away. He was so kind and patient repeating numbers for me. I got my credit card and called Bank of America on my cell. They had heavy call volume and I had a long wait to main line then another wait for the XXXX department. The scammer asked me what I was doing and I told him I was reporting him. Then the last transaction was denied because I had reached the limit for {$3500.00} in one day. But he wasnt bothered and said that was normal and he knew how to unlock that. He kept assuring me he was working it all out so I would see nothing was taken out of my account. I had stopped talking to him and had laid the phone beside me. He started yelling the instructions but by then the real XXXX department had connected and the scammer hung up. I was so upset. The agent was kind, took lots of info for the claim but said they rarely recover any XXXX losses though they are trying so hard. I was sick I had fallen for so much. The call from scammer came Bank of America on caller ID at XXXX at XXXX XXXX XXXX at XXXX XXXX at XXXX My call to real Bank XXXX XXXX XXXX at XXXX. The first 5 names and amounts are the frauds/scams. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53188
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/2023 I received my statement that my payment was raised to XXXX dollars, I had a promotional credit card through boa that I qualified for that I did not pay any Interest for certain amount of months, so I used my boa card untill I came up to XXXX of XXXX were my balance hit over XXXX, I made my Minimum and more as I could all the way untill the first month that interest started.XX/XX/XXXX stated XXXX interest plus my minimum of XXXX was due on XX/XX/2023, making it XXXX dollars, I called bank of america because I had the cash to pay the balance off in full, I spoke to a supervisor in Texas amd have it recorded conversion from my end that I advised her of, you reassured me that if I paid my balance of XXXX it happened to be XX/XX/XXXX that it would clear my account to XXXX my credit limit of XXXX would come back and their were no other fees lingering, and so I paid it in full XXXX I screen showed everything to make sure to document it all,2 days later well checking to see if payment cleared I had seen a strange amount appear of XXXX but it did not give a Daye or that it was due or whatever my payment cleared my account went to credit limit of XXXX and showed I owed no more money as I payed my first month of interest that I had seen XXXX, then XX/XX/XXXX I received a email claiming I owed a additional XXXX dollars, I started doing math and it added up to XXXX dollars, now I paid my balance in full early XX/XX/XXXX with my interest taked on and I assume whatever else, I called bank of america went to a supervisor who could not explain to me but that it was interest owed, well my interest owed was XXXX my Minimum od was a XXXX dollars, which came out to a total of $ XXXXwell I cleared my debt in full on XX/XX/XXXX at the amount of XXXX with the interest I screen showed in the the first complaint of XXXX and payed well early, a Executive from Bank of America . Call me the very next day. I have done unable to speak to this. Gentleman on the phone he's calling me at times where he knows that I can not answer the phone I wan na head and I paid the {$140.00} plus and additional XXXX cents. because I do not want no negative remarks on my exceptional payment history I have 6 years worth of credit. I have XXXX XXXX accounts, and all of those accounts have been paid a 100 % most of them in full every single month for the last 6 years.i want my XXXX dollars and XXXX cents back, how is it that I owe XXXX if I paid my XXXX interest that totaled with the debt amount all together of XXXX, this has not been explained to me.its caused my credit score on all 3 bureaus to drop XXXX points .now I have just read that bank of america was just sued in the last few months for millions if not billions for doing stuff like what they just did to me, on top of setting up accounts without permission, fees charged that weren't owed and so I feel as if I'm being taken advantage of one and being stolen from.all that matters is that I paid my debt to them early in full!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Claim XXXX XXXX XXXX A distressing series of events, an i have become a victim of both EDD card theft and identity fraud, plunging them into a prolonged period of hardship. While Im playing on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but The situation unfolded when an unknown perpetrator gained access to my personal information, including my EDD card details. Armed with this sensitive data, around XXXX of XXXX the perpetrator embarked on a spree of fraudulent activities, leaving the unsuspecting me grappling with not only financial difficulties but also mounting medical bills. As i face the overwhelming burden of family expenses alongside of my own, weight of isolation an intensifies. The aftermath of having my EDD card and identity stolen has taken a severe toll on the me, fostering feelings of vulnerability, isolation, and helplessness. The months-long struggle to resolve the issue has worn me down, and the mounting pressure of unpaid medical bills further exacerbates the emotional and financial strain. The constant battle to rectify the situation can often lead to moments of despair and thoughts of giving up. However, it is crucial to remember that there is hope and assistance available to overcome these hardships. Recovering from stolen identity and financial hardship requires perseverance and a proactive approach. I took immediate action by reporting the theft to the relevant authorities, such as the EDD and law enforcement agencies an Bank of America. Simultaneously, reaching out to financial institutions, including banks and credit card companies, is vital to alert them of the fraudulent activities and mitigate further damage. As I am Seeking professional guidance, such as credit counseling services or legal assistance, can help navigate the complexities of identity theft recovery, providing a much-needed lifeline during this challenging period. Please find it in your heart to do everything you can as I am a god fearing man an i hope you are as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94509
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-07
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: I am writing to file a formal complaint against Bank of America regarding their unfair and deceptive practices related to my XXXX Featured CD account. My account matured on XX/XX/, and I encountered several issues during the renewal process, which have left me deeply dissatisfied and frustrated as a customer. On the maturity date, I was out of the country, specifically in XXXX XXXX, and I was unable to physically visit a Bank of America branch or contact their customer service center due to the time zone difference and my inability to make international calls easily. My intention was to provide clear instructions for the principal and interest from the matured CD to be transferred to my checking account, as I had initially opened the Featured CD online. To my dismay, I discovered that Bank of America 's online banking platform lacked any functionality to facilitate maturity instructions. This deficiency in their online services is troubling, especially in today 's digital age, where customers expect the convenience of managing their accounts online. Despite my best efforts to contact their customer service center and visit a local branch upon my return, I was met with further frustration. Bank of America insisted on renewing my CD as stated in their letter, offering an abysmally low interest rate of 0.03 % ( APY ) without my consent. This action seems designed to retain my funds at the lowest possible cost to the bank, taking advantage of the lack of clear online instructions for customers. When I called Bank of America 's customer service center to request the closure of the renewed CD account and the transfer of funds to my checking account, they informed me that a penalty would be applied for early closure. This penalty was greater than the mere {$0.00} in interest I would have earned on the renewed CD. I find this practice entirely unfair and unreasonable, as it punishes customers for circumstances beyond their control. My primary complaints against Bank of America are as follows : 1. Inadequate Online Services : Bank of America 's online banking platform lacks essential functionality for managing CD maturity instructions, making it difficult for customers to exercise control over their accounts. 2. Unfair Renewal Practices : The automatic renewal of the CD at a significantly lower interest rate without customer consent ( originally is a high interest rate almost 4 % - Featured CD to a 0.03 % Fixed Term CD ) appears to be an attempt to lock in customer funds at minimal cost to the bank. 3. Excessive Penalty Charges : Charging a penalty higher than the earned interest for early closure is an unjust practice that disadvantages the customer. Does not given any waive of charges right from their manager. I kindly request the Consumer Financial Protection Bureau to investigate these issues and take appropriate action against Bank of America to rectify these unfair and deceptive practices. Additionally, I urge Bank of America to waive the penalty for the early closure of the renewed CD account, as it far exceeds any interest earned. I appreciate your prompt attention to this matter and trust that your intervention will lead to a fair resolution. Please feel free to contact me at [ Your Email Address ] or [ Your Phone Number ] if you require any further information or clarification. Thank you for your assistance in addressing this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94030
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: A couple of days ago I tried to use my credit card to buy a XXXX XXXX XXXX meal. Card denied. I have plenty of credit available so today I telephone called Bank of America and their representative informed me there were questionable items charged to my Bank of America credit card ; however, the Bank of America representative would not provide details since I do not own a smartphone. The Bank of America representative told me the only way they would supply me the details needed to unfreeze my card was to either buy a smartphone or go by in person a Bank of America. I will not buy a smart phone to please Bank of America and since I live in XXXX XXXX, IA where there are no nearby Bank of America branches, I will not go there either. Bank of America claims my landline can not be trusted and Bank of American refuses to clear this matter up by US mail. The Bank of America recording of this telephone call will confirm what I write. Two things : Since XXXX people tend not to own smartphones, these business-practice restrictions correlate with age discrimination. Second, does not their bank charter require nondiscriminatory servicing of the public?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 51104
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I closed my checking account and I am still receiving online notifications that it's open and the account was never closed just stay at a XXXX balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Please be advised that this is my SECOND WRITTEN REQUEST asking to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). It is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. The company was not willing and able to produce any documentation that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Nor did someone within your company provided authenticated documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). The follow accounts are as follows : Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Name of Account : XXXX XXXX XXXX XXXX Account Number : XXXX Name of Account : BANK OF AMERICA Account Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called Bank of America to lower my Interest Charged. they say no because they do not have any offers. For almost years every month I pay almost XXXX just on Interest Charged. Also, I called t credit counseling services, they do not a fair program I want to pay for debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A