Date Received: 2023-09-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/23 I requested a refund of {$13000.00}- which was a return of my money that was paid for a Cruise. I owe them NO MONEY ... they owe me {$13000.00}. I believe this is usury, I would like to but my money in a place that makes money not let them make money off my money. PLEASE HELP ME GET MY MONEY BACK IN A TIMELY TIME FRAME. Todday in conversation with XXXX and BofA she said it would be at lease XXXX more weeks before they would send a check. I also had a refund witrh my XXXX XXXX XXXX for the exact same reason. I canceled a Cruise and they refunded my money directly to my bank in XXXX business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98310
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23, I awoke from sleep after working night shift to a text message about verifying repeated failed login attempts from XXXX, FL. I was able to log into my online banking and all was well at the time therefore I felt that I would contact BOA once I arrived at work to inquire. At work, I tried to log into online banking again to see that I was locked out and it was asking me to verify information that I didnt have at my desk. I dont carry my card with me all of the time and I had left it at home. I checked my email to see that someone had OPENED A SAVINGS ACCOUNT UNDER MY NAME IN FLORIDA. I was shocked to be honest and immediately called the fraud department. They were difficult to deal with and I was shuffled from not just one to three people before being able to explain what was going on. At this point, the rep on the phone told me that I needed to work with her and answer the questions to resolve the issue and I was demanding, rightfully, reassurance that nothing had occurred and we could close this new account. Unfortunately, XXXX dollars of MY MONEY was allowed to be fraudulently removed under the watchful eye of Bank of America who, despite sending me XXXX text requesting that I verify my identity, decided to allow a random criminal to open a savings account under my name, transfer my money to another BOA account and then out of the bank entirely as it appears all under a few hours. No security checks from me. No inquiry on my behalf although it was opened in Florida and somehow California is involved in there as well. I am utterly appalled and not to mention distraught at the loss of XXXX dollars of my money. Equally appalling is the lack of security measures and verification on behalf of such a large institution. When I requested that funds be immediately transferred back, I was told I have to wait. So now, I am told as the victim to wait 10 days for a provisional refund and this may take up to 45 days to investigate. I want my money which is rightfully mine. I can not afford to wait for it due to this companys deplorable blunders and I would investigate the fraud prevention practices of Bank of America. Consumers have a right to identity protection and this place simply does not have it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 654XX
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: 2023-09-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello I am wanting to send in a formal complaint to you to see if it is something that you can help me out with. My complaint is against Bank of America. I am going to upload several documents for you review. It has been an ongoing since XXXX of this year and the bank is not giving me any help on this matter. You will see the large amount of money that is involved and I have had these funds traced back to fraudulent crypto currency wallets. The transactions you will see highlighted from several bank statements with my account information blacked out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78602
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have been with Bank of America for XXXX years. I recently ordered a new credit card. I tried to make a purchase on XXXX and got a fraud alert on my phone. I approved I made the transaction and was told to make it again Again card is blocked and I had to call fraud Fraud released my card AND TOLD ME I SHOULD TRY AGAIN. again, the bank blocked my card but now demanded I got to a branch physically. I called a supervisor in the morning then they released the card. Then I went to XXXX XXXX to make the purchase again. Physically this time, with my credit card, XXXX XXXX and my ID. Again my card is blocked Again I answer yes it was me on the phone Again its blocked. Again I call fraud explain the situation. Again, THEY GIVE ME BAD INFORMATION AND TELL ME TO USE THE CARD. Again bank blocks my account and this time blocks my online banking. Forcing me to go to the bank. I go to the bank thinking itll be a quick process. I spent apporx XXXX HOURS (!!!!! ) in the branch to get the matter resolved. We make sure everything is ok. Only to have MY ACCOUNT BLOCKED AGAIN. Fraud refusing to tell me why my account was blocked telling me no one is allowed to talk to me until I go to the bank. BANK TREATS ME POORLY TELL ME TO WAIT IN LINE AFTER ALL THR CUSTOMERS DESPITE THE FACT I HAVE TO LEAVE FOR XXXX WEEKS THE FOLLOWING DAY. I SPEND XXXX (!!!!! ) MORE HOURS IN THE BRANCH. Initially they refuse to tell me why my account was blocked again until they finally confess that someone made a mistake and didnt document things properly that I was identified with XXXX forms of ID. XXXX also told that my card was blocked at XXXX XXXX since I used XXXX XXXX instead of the physical card, where their own Fraud Rep told me its ok to use the card again. Bank should be forced to compensate me for my time since this was their own mistakes and misinformation that lead to this chain of events, plus wasting my time twice for the same thing due to their own negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am a vendor for the Federal CJA in the XXXX XXXX XXXX Pennsylvania. I am paid through U.S. Treasury Company name / BofA business checking account info/ EIN number are all attached. Friday XX/XX/2023 - I made a mobile deposit of 6 checks ( images attached ). Each check has an accompanying voucher number/case number/client name etc. ( images attached ) Monday XX/XX/2023 - My Account was closed - no reason given Spoke to " Risk Management Dept. '' 4 times over the a few weeks. I was told they are verifying the checks. XX/XX/2023 - Received letter ( attached ) and refund check for {$970.00} ( attached ) from BofA XXXX- I was transferred to the Check Fraud Dept. '' I was told that Hold Harmless Dept. has decided not to release my paychecks back to me. One or two calls later, I was told that the matter was transferred to the " back office '' at Bank of America and no agent on the phone could give me any more information after that point. I have uploaded a PDF file with all the necessary information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: the account was closed for fraud but reopened, they say they sent a check but i did not receive it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I was contacted XXXX central time on XX/XX/2023 from my mom that she was being contacted by Bank of America XXXX there was a flagged suspicious application in my name. The fraudulent applicant put my mom 's number in the application. I was put on a 3 way call to cancel the application as well as put in a request for the copy of the application which can take 7 days to receive the request form and up to 30 days to receive the copy of the application. I was advised I would need to contact the credit bureaus ( XXXX, XXXX, and XXXX ) where there was a hard inquiry to my credit from Bank of America. I was able to have the hard inquiry removed from my credit and have gone down the avenues to be put on an initial credit alert for the next year, as well as, put my credit on freeze with all 3 bureaus, but I need to supply the bureaus with an FTC report/CFPB report in order to be granted a 7 year credit alert.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been charged on my debit card for a monthly subscription with XXXX. XXXX charged another credit card as well. Subscription was never subscribed. My other credit card was refunded. My debit card charged and caused overdraft fees. I contacted Bank of America ; I spoke with XXXX from the dispute department. The person was rude and refused to dispute this transaction and to place a stop payment. My checking is overdrawn due to this transaction, and Bank of America has charged me overdraft fees. Unlike credit cards, this is my checking account and impacts my bill payments and everyday life. This situation is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48127
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XX/XX/XXXX my balance fell below the {$300.00} minimum which I was not aware off since I did not check my Bank of America Savings account. And was charged the {$5.00} maintenance fee until XX/XX/XXXX so for 10 months a total of {$50.00} in fees when I realized that then I contacted customer service in XX/XX/XXXX and they were only able to credit me {$10.00}. And was told that I need to maintain {$300.00}. So that is what I did to maintain the {$300.00} minimum. Then to my surprise I was charged another {$5.00} maintenance fee for the month of XXXX on XX/XX/XXXX and that caused my balance to drop my balance below the {$300.00} minimum so in XX/XX/XXXX I saw what happened so I contacted Customer service and they refunded me the {$5.00} maintenance fee. Then to my surprise on XX/XX/XXXX I was charged another $ 5 monthly maintenance fee. I guess now I am told that if anytime during the month if the balance drops below {$300.00} then I will be charged the monthly maintenance fee so it looks like that happened between XX/XX/XXXX to XX/XX/XXXX but the reason why that dropped is because your $ 5 monthly maintenance fee caused the drop in balance and all this issues. So it was due to them that caused the drop below the {$300.00} due to the fee. So in retrospect I should of been credited {$10.00} not {$5.00} for XXXX and for XXXX instead I was charged another {$5.00} fee in XXXX. All I am asking is to refund me the XX/XX/XXXX {$5.00} maintenance fee because it was because of your system that caused me to drop below the {$300.00} minimum. You could say it is my fault for not paying attention and not understanding the rules but as a customer your practices are not consumer friendly and really what you should do is in the Account summary page highlight a warning that the minimum amount is not met and that maintenance fees are warranted. For now I will have to add extra funds to make sure even if I get charged a fee that I don't drop below the {$300.00} minimum. But your practices in fees are really questionable and not consumer friendly. I am sure this is also happening to others and not just me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A