Date Received: 2024-02-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Someone used my XXXX account debit card and took over {$22000.00} and Bank of America denied my claim. Someone made over 30 transactions using my debit card between XX/XX/23 to XX/XX/23, and BOA refused to investigate. I couldnt take out any money at the beginning of XX/XX/2023, so I called BOA to find out why my card was not working, and they said Because you used all your money your balance is {$1.00}. I was shocked, I told them I had not even used my card since XX/XX/2023 and I filed a claim with Bank of America. But the bank said, Since we found several transactions where your card was present and the chip on the card was read and since your card was in your possession your claim has been denied. And they refuse to investigate and give me my money back. When I asked them again they just sent me a copy of several pages of transaction activity that I never made. Then I asked help from XXXX XXXX XXXX XXXX ( XXXX XXXX ) and they contacted BOA and BOA refunded {$5000.00} to me, but BOA dined the rest of my money which is XXXX. So please help me get back my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I was called about a new credit application on a current card. The individual knew the amount on the card and knew my address. He kept pushing me for information and said the request for a new card came from Indiana. I started getting suspicious and tried to call the credit card company. I was put on hold for 40 minutes with no answer, I tried going online and booted out of security. This went on for over 5 hours. I was never able to connect to an individual that could investigate the problem scam. I called to block the card and then out of frustration closed both of my accounts. I Still have not been able to reach anyone about the potential security breach. This company makes it impossible to reach anyone. 5 hours of hold time! I also wanted to adjust my automatic payments and could not do that either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: ACCOUNT WAS LOCKED FOR NO REASON AND COULDN'T BE UNLOCKED. SERVICE AGENTS ARE UNHELPFUL AND INEPT. I WAS PASSED FROM AGENT TO AGENT " JUST CALL THIS NUMBER AND THEY WILL FIX IT '' AND NO ONE KNEW HOW. I JUST WANT TO CLOSE MY ACCOUNT. THE CUSTOMER SERVICE MEMBER DIDNT KNOW HOW. PREVIOUS COMPLAINT : EXECUTIVE COMPLAINT DEPARTMENT REACHED OUT AT INCONVENIENT TIME AND LEFT MESSAGES BUT THE CONTACT NUMBER PROVIDED FOR " XXXX '' IS NOT FUNCTIONAL ( ALWAYS GOES TO VOICEMAIL, EVEN DURING STATED WORK HOURS ) XXXX I HAVE LEFT XXXX SEVERAL MESSAGES CLEARLY REQUESTING TO CLOSE MY ACCOUNT BUT HAVE RECEIVED NO RESPONSE I TRIED TO CALL THE GENERAL CUSTOMER SERVICE NUMBER AGAIN BUT WAS ON HOLD FOR OVER 25 MINUTES WHICH IS UNACCEPTABLE. I JUST WANT TO CLOSE MY ACCOUNT. THIS HAS BEEN THE ABSOLUTE WORST BANKING EXPERIENCE OF MY LIFE. PLEASE CLOSE MY ACCOUNT! SEND CONFIRMATION TO EMAIL ON FILE, AND REFUND ANY FUNDS TO ADDRESS ON FILE. WILL CONTINUE WITH REGULAR COMPLAINTS UNTIL ACCOUNT IS CLOSED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, I met with this person online, as I had posted ad to find a roomate.. This person sent me his Drivers license ( Attached ) and we text and exchanged emails and even talked couple times but never saw him, I needed {$1600.00}, but he made some story about how his employer will pay me and sent me check worth {$3900.00} I deposited check and waited for approval, and in 24 hours I could see the money in my account so I thought check is valid.. So I XXXX him {$2300.00} back, But after 2 days I saw bank cancelled my check stating it was not a legit check, when I text him about this, he sent me another check worth {$3900.00}, which was also fake ( Attached ) and now I cant reach him for 3 days I went to Bank of America but they DIDNT HELP AT ALL, and kept saying that amount I saw credit amount and not real, and it takes them XXXX days to clear check, which I was unaware of but didnt care and CLOSED MY ACCOUNT which still had {$1000.00}, which they refused to give till XXXX XXXX. Absolute bullying by BANK.. I reported police complaint already, and needed your help on how to get my money back.. I can send you more details as well if you wish.. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02215
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: After being with my bank for over 25 years all of my accounts were closed by Bank of America on XX/XX/XXXX without any notification. I did not have any penalties or violations on my account. When I called they said they had made a business decision to close my account. I'm in the process of transitioning my accounts and I went to transfer my rewards cash to my account and was unable to transfer. They stated that because accounts are closed I can not get my rewards cash. The amount of rewards cash is about {$5000.00}. This is completely unfair. They closed my accounts and cause a disruption and then I lose the {$5000.00} that they owe me. I'm okay working wth another bank and prefer to work with a company that wants my business. But stealing {$5000.00} from me is criminal. I called and they escalated it to a hire department. They only state that their policy is that once account is closed by either party your rewards are cancelled. I still have a balance on my credit card that I'm obligated to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
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: on XX/XX/XXXX my wallet including my credit card was stolen and fraudulent charges were made with it before I was able to freeze the card. These charges amounted to a total of {$490.00}. I submitted a report to Bank of America and disputed the fraudulent transactions on XX/XX/XXXX via the Bank of America app and via phone call. On XX/XX/XXXX Bank of America sent a letter to me titled " Update On Your Claim ''. By this point none of the charges were pending anymore. The letter stated the total amount of the claim to be {$440.00} and informed me that I would be temporarily credited {$44.00} while my claim got researched. Neither of these numbers match the actual {$490.00} of the fraudulent charges. On XX/XX/XXXX Bank of America sent me another letter tited " Update On Your Claim '' stating the claim to be {$490.00} and staiting " We're unable to approve your recent claim ''. This letter also stated the reason for denying my claim was that they " confirmed your card was used for the charge ( XXXX ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present ''. This statement shows that Bank of America did little to no research in coming to their conclusion. None of the fraudulent charges were cash withdrawl so none would have required a pin and I had informed them that the thief had my credit card and likely my entire wallet so the thief had acces to my card with my chip and my driver 's license so could have copied signature on my license to forge a signature. None of the reasons Bank of America gave for denying my claim are relevent to the claim. on XX/XX/XXXX Bank of America charged me for their earlier {$44.00} temporary reimbursment. Currently the {$490.00} are still on my credit card bill due XX/XX/XXXX. After recieving the claim denial from Bank of America I sent them a letter via certified informing them that I would not be paying the fradulent charges as I was still disputing those charges as well as requesting that they credit the disputed charges to my account and provide all the documents they used to make the decision to deny my claim. I was able to verify that the letter was recieved by Bank of America Billing inquiries on XX/XX/XXXX as it was certified mail. As my bill is not due until XX/XX/XXXX this means that Bank of America recieved my apeal within the time p [ eriod they had given me for payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
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: 2024-02-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Paperwork is being sent to me via US Mail. I believe XXXX of XXXX has overcharged me by approximately {$1000.00} for XXXX, 2024, when I add up my purchases vs the total owed claimed by XXXX. XX/XX/XXXX -- I talked by phone to representatives who gave me confusing explanations. PREVIOUSLY -- I payed-off my credit card on XX/XX/XXXX by phone, based on what the comnputerized system told me I owed at that moment. The amount I payed was actually {$180.00} OVER that XX/XX/XXXX balance. According to the info the representatives gave me, there are around {$1900.00} of transactions in XXXX after that date, but XXXX claims I owe over {$2800.00}. The explanations seemed vague and unclear. I still believe XXXX is overcharging me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: XXXX XXXX XXXX c/o XXXX XXXX XXXX XXXX , NJ XXXX ( XXXX ) XXXX XXXX Social Security : XXXX Bank of America , N.A . XXXX XXXX XXXX XXXX, TX XXXX Subject : Request for Rescinding Signature, Access to Applications, and Card Reopening Dear Bank of America , I hope this letter finds you well. My name is XXXX XXXX, and I am writing to express my concerns regarding my credit card applications and their associated information held by your company. As a holder in due course, I am invoking my right to rescind my signature on applications containing my non-public personal information, including my Social Security number. Given my decision to no longer engage in business with your company, I am uncomfortable leaving such sensitive information in your possession. Denial infringes upon the Uniform Commercial Code ( UCC ) and contract law. In light of this situation, if it is not feasible to provide the authoritative copies of the applications, I request an alternative resolution. Specifically, I propose that you reopen all of my cards and place them in an opened-end status with no preset limit, accompanied by an automatic monthly discharge. I believe that this solution would address my concerns while still aligning with the legal and contractual obligations involved. I appreciate your prompt attention to this matter and your cooperation in finding an amicable resolution. Thank you for your understanding. Sincerely, XXXX XXXX
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: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint - Request for Assistance in Reopening Dispute Claim for over {$7500.00} Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint and seek assistance regarding the closure of my bank account last XXXX # XXXX claim for over {$7500.00} merchant name, XXXX, before the resolution of a dispute claim involving unauthorized transactions that I strongly believe were a result of fraud. I, XXXX XXXX, residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can confirm that I have conducted a comprehensive investigation involving my other bank account H & R Block Spruce account. Enclosed with this letter, please find supporting evidence from these investigations. The evidence clearly indicates fraudulent activity associated with the transactions in question. The closure of my account has resulted in significant inconvenience, and I am concerned about the impact on my credit and financial stability. I have attempted to resolve this matter with the respective banks directly, including Bank of America, but to no avail. I kindly request the XXXX XXXX XXXX XXXX intervention to facilitate the reopening of the dispute claim and a thorough investigation into the fraudulent activities outlined in the enclosed evidence. I believe that a fair examination of the facts will contribute to a just resolution of this matter. Enclosed, please find the supporting documentation from the investigations conducted by XXXX XXXX XXXX XXXX account. I am prepared to cooperate fully and provide any additional information necessary to assist in the resolution process. Your prompt attention to this matter is greatly appreciated. If further details or documentation are required, please feel free to contact me at XXXX or XXXX. Thank you for your time and assistance in addressing this issue. Sincerely, XXXX XXXX
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: 2024-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: You listen to not XXXX for your benefits. That's why we're not going to further. Went to court on the just that I was everyone VS situation. And there's still refusing to give him money. I XXXX, my car got stolen while I was in XXXX. I filed my claim. They won't give me my money and I have all the neighborhood that state. I was in XXXX and I'm doesn't match out. Do you think I'm gon na make a XXXX, but I'm gon na follow them? You're gon na understand at the time of the instant the transactions. It does not match up but showing you documents, but your city pickworth, saying that XXXX is saying I'm eligible that's all reason you're denying so every time I call it. It's like you're never telling me about me not about. You no, I'm gon na not be you know. Being at the hospital that you listen to court now that I've got appealed. You have no explanation, but but that's only excuse they're saying there's some. Thing, it's on the phone that the title is the metric that I've seen in no documents that. I'm out this senior camera or another. No, nothing like that. Everyone said, so he can't deny the more which they've done already. They said we're out of it now. Because open the car back up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A