Date Received: 2023-09-07
Issue: Problem with customer service
Subissue:
Consumer Complaint: Complaint Reported By : First Name : XXXX Last Name : XXXX XXXX Email Address : XXXX Phone Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : Nebraska Zip Code : XXXX Complaint Reported Against : Name of Business or Person : Bank of America City : XXXX State : New York Name of individual with whom you dealt : Bank of America in XXXX XXXX NY Product / Service Information : Date of Purchase or Service : XXXX Method of Payment : Wiring from my bank, XXXX XXXXXXXX XXXX located in XXXX, Nebraska Type of Product or Service : sending my published book to traditional publishing company for final acceptance of traditional company XXXXXXXX XXXX XXXX, which Writer 's Value lied after I checked with traditional company. Contacted Business : Yes Amount should be Paid : XXXX Steps Taken to Contact and Fix the Issue : After I found out the Writer 's Value is not providing the service that they promised I went to my bank and dispute the {$3800.00} that I wired on XX/XX/. the disputing date was XXXX XXXX XXXX At the same date, XXXX XXXX XXXX XXXX XXXX XXXX contacted Bank of America, Bank of America did not respond. Two more times XX/XX/XXXX, XX/XX/XXXX my bank ( Wiring Department of XXXX XXXXXXXX XXXX XXXX XXXXXXXX Nebraska contacted Bank of America for refunding my money, {$3.00}. But Bank of America has chosen to ignore the request of my dispute by not responding at all. Writer 's Value publishing company did not do the service ; so, I disputed it through my bank. But Bank of America is not responding to my bank dispute and ignoring the situation. Since XXXX I have not receive any money. Since Bank of America has chosen to ignore to respond so I have placed this complaint. I complaint to Attorney General of Nebraska. Attorney General also sent letter to Bank of America about a month ago. but he has chosen to refuse to respond. Attorney General encouraged me to send my complaint to you. With high respect, XXXX XXXX XXXX XXXX Phone XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68154
Submitted Via: Web
Date Sent: 2023-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: Yesterday ( XX/XX/XXXX ) morning, I was trying to open a chiropractor website to schedule an appointment. Then there was a popup on my screen from XXXX XXXX XXXX with a phone number. I could not do anything to the laptop and was paranoid. I then called the number and a representative picked up. He told me that my IP address has been compromised and that I needed to contact the bank to check and stop any suspicious transaction. Then they also told me that my phone has been compromised so it was not safe to contact the bank directly. I was resisted but they told me that many people have lost money this way, I should call as fast as possible. Because my phone has been compromised, they said they could transfer me to Bank of America using IRV or IRA line for safety. I thought it did not hurt to just check and the moment he transferred me to Bank of America line, there was an auto voice from Bank of America, then someone picked up saying his name is XXXX XXXX. He told me that there were two websites had been visited by me, one is a gambler site and the other is a XXXX site. He said that there was a {$18000.00} transaction was made to the gambler site and that it was already approved by my phone and my laptop. There was an investigation has been started by Bank of America headquarter. They kept telling me to not contact anyone at the moment because my phone has been compromised. Then he told me that I should drive to the local banks to withdraw the cash and put money into encrypted machine, that way they could cancel the transaction. He gave me an address of an encrypted machine which is near a gas station. I was prepared to go to work but he said that I should tell my workplace that I had an emergency. I followed his instruction to go to the local banks, he was on the line with me, he told to XXXX XXXX and he would be staying on the line to support me if I have any question. Because it was a huge amount of money to withdraw, he told me to not tell the local bank why I withdraw such a huge amount of money, because there was an investigation going on and the moment the local bank knows, they would cancel my account which would alert the hacker. I was running around to different banks and ATMs to withdraw the money. He told me to leave my phone in the car and just bring the cards to go inside the banks. Because I said I was on a rush to go to work, and the bank has not opened until XXXX, he told me to just get some cash from ATM and put into the machine to open my account. Then I got {$1000.00} and put into the machine. After I put into the machine, I drove back to the bank to get some cash, they only allowed me to get {$5000.00}. I told him that I could only get {$5000.00}, then he suggested me to go to a bigger bank and get the rest which is {$12000.00}. I got that amount and put into the machine again, but the machine had a limit of {$14000.00}. QR code for bitcoin address was sent from a different phone number for security purpose, he told me. After every transaction, he told me to send a receipt to him via that same number. After that, he gave me another address for a different machine. When getting there I saw an alarm on the machine that 'do not buy bitcoin to protect your money from bank account compromise ' and that got me to think whether I was actually in a scam. I requested him to talk to his coworker who was from fraud department. Someone named XXXX XXXX picked up and introduced himself, telling everything I was doing is right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95138
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: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: In XXXX of this year had got a short term load with Bank of America. I notice a few weeks afterwards another account appeared on my online banking. At first, I thought it had it correlated to the loan, but shortly after I paid the load off it was still active and this probed me to investigate. Also, I had started to accrue maintenance fees ( {$4.00} monthly ). I paid them from XXXX to XXXX. Fast forward to XXXX, I have been trying to get this account to close, but none of the representatives I talk to can seem to do so. I've gone into one of the local branches and they couldn't help either. Plus, I asked for a refund for the maintenance fees, they agreed the account was fraudulent and were going to refund the maintenance fee. They only refunded me two months and they put that on the fraudulent account, which I can not access because its a credits only account. I talked to 8-10 representatives who only transfer my call around. It shouldn't take two months to close an account that I didn't open in the first place. Thanks for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23231
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 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: 33615
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 @ around XXXX. to about XXXX. I went to a Bank of America ATM @ XXXX XXXX XXXX, XXXXXXXX XXXX XXXX. I used my bank card and deposited {$410.00} in the drive Thru ATM. I completed the whole transaction and the screen prompted me to choice which option did I want to receive my receipt and I choose the print option. As soon as I choose that option the ATM displayed ( The ATM is Temporally out of Service ). I just assumed that the atm was out of paper. I checked by mobile banking app and found out that my funds were not deposited. I called the Bank Customer Service the next day ( XXXX XXXX ) and spoke with the rep and she stated she could file a claim and I would have to wait 10-15 business days to receive a credit to my account. That is unfair as a customer because it was not me who made the mistake. I called the next day to talk to someone else to see if they can help. This was the atm department and they stated that the earliest that they could do anything with my account would be XX/XX/2023. I have bills that are scheduled to come out of my account and they stated that the would reimburse me their NSF fees but not with my bills NFS fees that will occur by sending my payments back. This is not Fair my atm card lets the bank know about all of the transactions on that card. Why should I have to wait XXXX business days to received MY MONEY that I deposited?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
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 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: 33614
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I tried to use my card on XX/XX/XXXX in XXXX XXXX for about {$11.00} and Bank of America blocked my card. Unfortunately, being in rural XXXX XXXX, I was not able to immediately call and try to authorize the charge. When I was able to get to a place with cell phone reception, I called Bank of America and they refused to unblock my card unless I came into a financial center. This is not possible as I am in XXXX XXXX and they do not have centers in XXXX XXXX. I am not able to return to the US until XX/XX/XXXX. I alerted the agent to this problem and asked to speak to a supervisor and I was refused that request as well. I further explained that I had a balance on the card that needs to be paid, but that I can not do that as long as the card is blocked. The agent provided a phone number to an automated phone payment system, but I am not able to access that either as long as the card is blocked ( redirected back to the fraud center automatically ). A further chat with a new agent further confirmed that I have no way to make a payment on the card currently, but am liable for the payment and will receive fines and fees if I do not pay it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35007
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I've been having credit card with Bank of America for years and I just heard that this bank has been improperly charging extra fees and withholding reward. I think I'm one of these victims.,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48135
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I noticed a fraudulent charge on my credit card from XXXX XXXX XXXX XXXX XXXX for {$5000.00} on XX/XX/XXXX. I immediately contacted Bank of America to report this fraud and cancelled the credit card to ensure there was no more fraudulent charges. I also contacted the XXXX XXXX Sheriff Department and filed a report. Bank of America denied this claim for {$5000.00} and then tried to charge me interest for the amount. I reopened the claim again and they denied it without any explanation, I asked for all the documentation to show why they denied it. They responded and said I am not allowed to see the information as it is internal only. At this point I asked for a supervisor and had to provide all the information again to them. They reopened the case in XXXX and I haven't got a update since. Now being XX/XX/XXXX ( almost 8 months after the fraud ) I called Bank of America for an update : XXXX : Called the same number I have been calling and spoke with a representative. They notified me that I had the wrong department and transferred me. Once getting on the phone with that department they transferred me again. Now talking to the 3rd person they hung up on me. XXXX : Called the " new number '' I was provided for the fraud department after 2 minutes of explaining that I needed information on the claim they hunt up on me. XXXX : Called the number again and spoke to 4 different people in 4 different departments. After over an hour of trying to get information they hung up on me again without providing any information. XXXX : Called the number again and immediately asked for a supervisor. After explaining what was going on he hung up on me without providing any information. XXXX : Called the number again and the representative told me I had the wrong department ( been the same phone number everytime I called. Transferred to a different department and immediately asked for a supervisor. I was on hold for 33 minutes and they advised me they couldn't connect me to a supervisor and hung up on me. I am at a complete loss and not sure what to do at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Contacted bank about monthly fee waive options. Qualified as monthly direct deposit of paycheck, gov't checks etc. Indicated I do my own payroll and pay myself. Told that I need a payroll company to direct deposit my pay ( check )? Hire a payroll company to do one payroll.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A