Date Received: 2023-08-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was locked out of my online account for two checking accounts with one debit card with the reasons stating Im a risk factor when I was returning there request of suspicion of activity Ive printed all emails and have tryed to understand the stamens and transfers and they refuse to explain or follow any laws and policys of banking laws in ca they kept my account open with no way of me having access till XX/XX/XXXX and I was locked out XX/XX/XXXX did not received any stamens till XXXX this year and all my disputed along with police report have been ignored and Im getting emails about accounts being opened and my card. Being used on a closed account. Please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I opened a 12 months CD with bank of America in the month of XXXX. Few months later, in the month of XXXX, i needed to access the funds, so i closed the account. Not surprisingly, Bank of America subtracted the earned interest as the account was cancelled before the maturity term. In addition, to that, they charged me {$1000.00} fee for closing it early. I chatted with CD department representative, and they agreed that it happened in error and assured me that i will get my funds back. Unfortunately, that never happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97124
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I lost my identification somehow a lot bank account online opened under my name I didnt opened them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: My XX/XX/2023 statement for my Bank of America Visa card showed a previous balance of {$940.00}, of which I paid {$930.00} on time. The statement showed an assessed interest charge of {$13.00} based on {$790.00} of balance subject to an interest rate of 19.49 % for purchases. This number didn't make sense to me because most of my balance was paid on time, and only {$3.00} of the balance was outstanding. On XX/XX/2023 I phoned Bank of America to ask how this balance was calculated and they told me they couldn't tell me that because the number was generated by their computer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I called Bank of America to have them place a temporary hold on my account so a creditor could not debit money from my bank account. First I talked with XXXX ( XXXX ) who transferred me to the Fraud Department. I spoke with XXXX, who said that BoA does not do temporary holds. I explained to her that XXXX does it ( I know other banks also do this ). She said she worked at BoA and knows a lot about its procedures. She said she can place a " balance hold '' on the account so any attempt to debit the account would result in an XXXX. I told her I don't want to be charged a XXXX fee by the creditor and the bank, she was not empathetic or understanding. So I asked for a supervisor and she placed me on hold for longer than 5 minutes, so I hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I became unemployed and filed for Unemployment Insurance with CA XXXX. A XXXX prepaid debit card was mailed out to me. However I never physically received it ( I did not have possession of the card at any point in time and therefore I never activated it with my credentials ). On XX/XX/XXXX, I logged into my online account with Bank of America and discovered that there were several charges/transactions ( in the amount of {$3500.00} ) that I did not make and/or authorize anyone on my behalf to make. Some of the charges were from out of state ( New York, which I have never even traveled to ) I immediately filed a claim on XX/XX/XXXX with Bank of America and disputed the charges. The claim was denied on XX/XX/XXXX. I appealed the claim on XX/XX/XXXX and reopened the claim with Bank of America for reconsideration. Once again, Bank of America denied the claim on XX/XX/XXXX. I proceeded to file a police report and faxed that report along with a copy of my drivers license directly to Bank of America on XX/XX/XXXX for further investigation. I have requested a copy of all supporting documents that they relied on to deny my claim a total of 3 times and have never received those documents. Please note that there are additional fraudulent transactions/charges made in the amount of {$63.00} on a separate claim that are also currently in the process of being disputed with Bank of America XXXX Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Ok, so I was with bank of America for XXXX years and they were ok for a while then last year/ XXXX was when they started to randomly raise my monthly payments to exorbitant amounts. I tried talking to them about it and they said " there was nothing we can do. '' So I took out a large loan and finally paid off my credit card. Then recently they said after months after I closed my accounts with them I got a random late fee and tried talking with them about it. They forced me to pay it. So I need help please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: On XX/XX/2023, there was an ATM withdrawal from my XXXX debit card account using my information! The problem is that I had my debit card in my wallet when this withdrawal was executed! I live in XXXX XXXX, Ca and the transaction was executed at a XXXX ATM in XXXX, Ca. I conveyed this information to the bank, and they denied my claim stating that upon investigation, the transaction was authorized by me or someone else that I gave them authorization to do so! I am appalled and insulted for this decision, as it is clear and obvious via my account history, that this transaction was not authorized and fraudulent! I asked to speak to a supervisor, and was hung up on by the customer service rep I spoke to... This is wrong and I depended on this money for bills. This was my unemployment benefits, and I would like for Bank of America EDD card operations to do the right thing and refund this unauthorized withdrawal... It was in the amount of {$120.00}, and was NOT authorized by ME... It was simply stolen from my account in a fraudulent manner ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93065
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account with Bank of America ending in XXXX and XXXX had been in good standing. I had several claims from a credit card company that I owned and paid through this account. I filed the claim through the bank and some of the claims were paid. On XX/XX/XXXX my account was closed abruptly. At the time I learned the account was closed I had just arrived at my XXXXXXXX XXXX needless to say I had to reschedule because I couldnt pay my copay with my debit card and I didnt have any other way to pay. I have {$9500.00} in claims that should be paid as well as {$380.00} that was in my bank accounts. I called the bank several times and was told that they dont have to give me an explanation why they closed my account. Its a XXXX weekend and I dont have anything from my accounts and Im XXXX with a XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28037
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
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 had two purchases from XXXX XXXX that were not me show up on my statement. I filed a dispute and Bank of America claimed they were me and that I was lying they totaled to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A