Date Received: 2023-08-29
Issue: Advertising
Subissue: Confusing or misleading advertising about the card
Consumer Complaint: I would like to file criminal charges against the people who answers the phone for the claims department for bank of America and only them. They are the ones who's committed felonys on millions of people account. They are lieing and cheating me out y money. There latest is taking pictures of me at there bank getting money from another bank and using them on my 3 year claim and two year claim. I was told on XX/XX/2021 they had a picture of me at there bank and at that time my account was frozen and I had no card. I have the proof from EDD the day that they froze my account and it was frozen for 11 months because EDD start sending me checks at the time when they reopen my account Bank of America still had it closed so EDD started sending me checks. I have check subs from EDD. This back has 9 felony 's on my account alone and I sent Cfpb the proof of tat and you are still getting this there claims department get away with t and I would like to now why? This bank is not doing nothing they soppose to be doing that was order in there injunction by judge XXXX in XXXX XXXX and I would like to file criminal charges against only the claims department there names and addresses to send them subpoenas for court. I was informed by Bank of America that they don't have to give us their names or nothing to be suspended for court so since you're the customer financing protection bill that they pretended to be at one point can you please get their names and addresses so I can send them subpoenas for court thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/2023 at XXXX I got paid for work, for a job that I did via a XXXX payment in the amount of {$1000.00}, confirmation number : XXXX. The Payment ID : XXXX. I immediately got the notification & immediately logged into my XXXX XXXX Account, that has my Bank Of America account linked, to transfer the full {$1000.00}. It landed in my XXXX XXXX Credit Card instead of my checking account, because it was said that when I transfer from their end instead of Bank of America it can't go directly to my credit card. I contacted XXXX XXXX Credit Card customer service the next day when I noticed that issue. When I called XXXX XXXX, to request them to get understanding and then to request that they send the {$1000.00} to my checking account as it was intended to go to from the beginning, they said sure but they had to call Bank of America on three way to verify the funds were clear. We made the call, and on XX/XX/2023 the very next day Bank of America confirmed with XXXX XXXX that the funds were cleared as the day before, XX/XX/2023. XX/XX/2023, Bank of America was still using the {$1000.00} that was cleared XX/XX/2023, that I transferred on XX/XX/2023 immediately and the {$1000.00} showed up on my XXXX XXXX Credit Card same day right away. XX/XX/2023 Bank of America send an email ( that I didn't see until days later after seeing XXXX subtracted {$1000.00} from my account ) saying I didn't have enough money in my account. XX/XX/2023 XXXX XXXX sent a notification saying the " funds transfer has been returned to XXXX XXXX '' from Bank of America to XXXX XXXX in the amount of {$1000.00} and said return reason was " Insufficient Funds. '' We called on three way to try and handle the situation, Bank of America said I could add XXXX XXXX to the account so that I could transfer the money back to them, I tried to do it while they were on the phone and it said that I couldn't link the account both times that I tried although I've transferred before. So I took {$960.00} out of my Bank of America while on the phone and put it on my XXXX card, leaving {$39.00} in my Bank of America account and waiting until it cleared so that I could withdraw what was left and close the account. I then transferred that money immediately to my XXXX XXXX Checking ( I already had money in that account ). All this to say, Bank of America was double dipping in that money, causing XXXX XXXX to charge me an extra {$1000.00} on my credit card which also made my credit card balance be maxed out messing up my credit when I just got my credit to go up a lot of points, and because the " changed their mind '' about my funds being cleared a day before and decided to hold on to those funds. The {$1000.00} was reversed from my checking and credit card. Also, I made a cash deposit into Bank of America in the amount of {$130.00} and immediately withdrew {$120.00} the same day. Bank of America has on my statement that I deposited {$130.00} on XX/XX/2023 and withdrew {$120.00} on XX/XX/2023, how is any of that even possible. Summary : I am demanding that money back for that bad mishandling of money and having me to have to lose {$1000.00} that I was saving, also, putting wrong dates of transactions, withdraws and deposits, changing dates. Causing all this stress for the past month, for me losing money to drive around not only to Bank Of America, but all the way from XXXX to XXXX NC to XXXX XXXX, losing money by transferring from XXXX immediately, causing my credit card to Max out, my credit score to drop points, printing out all of my transactions from my end, slowing down my process of having that money for a deposit on a place, potentially delaying my process of having a good standing relationship with my new credit card and more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28405
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have moved from the USA to XXXX in XX/XX/XXXX but did not close the personal account held with Bank of America as my employer had plans of sending me back in couple of years. All was going well so far. During first week of XX/XX/XXXX, I updated my mailing address to my current address in XXXX and received a renewed credit card from the Bank. A week later I tried to update my primary address after logging into my bank mobile app and which I was able to do successfully but moments later my account got locked and I was unable to login as system suspected that it may be a fraudulent activity. Called the Fraud department of the bank on XXXX XX/XX/XXXX and I was asked to provide a phone number from the States to verify my identity by sending code. As I am no longer using any number from the States so that option failed, next thing I was told that a reference code will be sent to my address after receiving which I need to call back. On XXXX XX/XX/XXXX, spoke to a representative over phone from fraud department but the person did not share any information whatsoever about the address where I am supposed to receive the reference code. Again, on XXXX XX/XX/XXXX, spoke to one more representative over phone but this time I was informed that it is the primary address in the USA where the reference code was sent on XXXX XX/XX/XXXX. Having informed that I no longer live there as it was a rented apartment, so requested to resend the code to the mailing address updated with the bank but the request was denied, and the representative repeatedly told me during our conversation that I need to visit the nearest Bank of America branch with 2 proof of identity to get the account unlocked. I made my situation known that I can not travel back to the States as I no longer hold a valid visa. But all I get in reply is, it is the ONLY option available to me to get help. I am in need of the funds but can not do anything to get the issue resolved while I am in XXXX. Please advise and help!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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: 33607
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
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 XXXX 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: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to file a formal complaint against Bank of America regarding a grave and ongoing issue concerning their reporting of a fraudulent charge-off account to XXXX and XXXX XXXX XXXX XXXX This situation has not only caused me undue distress but has also resulted in a severe violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ). The crux of the matter lies in Bank of America 's egregious mix-up of a fraudulent business account, purportedly opened in my name sometime in XXXX, and an entirely legitimate account that was mine, opened in XXXX. The timeline of these accounts is drastically inconsistent, and Bank of America 's lack of due diligence and attention to detail is painfully evident. The fraudulent account in question bears the ending digits " XXXX '' and was closed without a balance, which only reinforces the fact that Bank of America has erroneously intertwined these two accounts. I have made repeated attempts to rectify this situation by reaching out to Bank of America on multiple occasions. However, my pleas for assistance and clarification have fallen on deaf ears. Bank of America 's disregard for my concerns is not only frustrating but also unacceptable. Furthermore, Bank of America 's actions go beyond mere negligence ; they constitute serious violations of both the FCRA and the GLBA. Under the FCRA, it is explicitly forbidden to report fraudulent information on a consumer report. Bank of America 's inclusion of the fraudulent charge-off account on my report is a direct violation of this statute. Additionally, the GLBA mandates that financial institutions safeguard non-public private information. Bank of America 's reckless handling of my personal information, including my name and social security number, by furnishing it to third-party entities such as XXXX and XXXX XXXX XXXX XXXX XXXX blatant violation of this act. I have attached all relevant documentation and evidence to support my claims with this complaint. I wish to make it unequivocally clear that I will pursue legal action if Bank of America does not take immediate corrective measures, including the removal of this erroneous information from XXXX and XXXX XXXX XXXX. It is worth noting that the Consumer Financial Protection Bureau recently took decisive action against Bank of America for various financial transgressions, including the illegal imposition of junk fees, withholding credit card rewards, and the opening of fraudulent accounts. The fact that these actions mirror the very same issue I am currently facing is deeply concerning and emphasizes the need for immediate intervention. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly, take appropriate action against Bank of America, and ensure that my rights as a consumer are upheld. I appreciate your prompt attention to this matter and eagerly await your response.
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: 2023-08-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX of XXXX I had to file two police reports of fraud from Bank of America, someone tried to open up an account or has an account in my name, not sure if it's a checking/savings account or credit card. The company did not give me any information as to who opened it or who has it. XXXX XXXX police report of fraud is # XXXX I live in XXXX XXXX, Oregon XXXX police report of fraud is # XXXX the person who opened account is in XXXX Oregon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 there was unauthorized transaction from merchant XXXX. Bank of America refused credit my account with temporary even doe there could see where the merchant took my money unauthorized. I have waiting over 90 day have not see any money put back in my account. Or temporary credit while they researching problem my XXXX still missing me account. On top that there is other unauthorized transactions happen in my checking account the Bank of America refuse to refund my credit in my account along with the fee they keep hitting my account with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02122
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The items was removed from my credit and now I see they are still on or back on
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Early morning of XX/XX/2023, I received a promo email from Bank of America. As there appeared to be a lot of " fine print '' to the offer, I decided to visit a branch bank and speak with a specialist in-person to make sure I understood everything before enrolling in the new promo savings account and depositing money. Around XXXX on XX/XX/2023, I visited the Bank of America XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. I was met by the bank specialist, XXXX. He seemed very polite and knowledgeable. I addressed all my concerns about the promo and he assured me everything was fine and there was nothing for me to worry about. I was enrolled into the new BofA Advantage Savings Account with the promo offer and then, XXXX asked me how much would I like to deposit. I replied, I'm currently earning a little over 4 % at my Savings Account at XXXX XXXX ( currently, it's at 4.25 % as it went up a little lately ), so I would be happy to transfer {$250000.00} into the BofA Advantage Savings Account as long as the promo rate of 4.41 % will be honored immediately. XXXX assured me it would. On XX/XX/2023, I noticed BofA only credited {$2.00} for interest on my bank statement. On XX/XX/2023, I texted, called, and emailed XXXX immediately to express my concern about what little interest I earned. While waiting to hear back from XXXX, I also reached out to the BofA 's main customer service number ( XXXX ) and spoke with a phone rep, XXXX. XXXX said that the promo had a " wait '' period before the promo interest was activated. I said this was not very clear which is why I personally visited a branch bank. I explain my interaction with XXXX and expressed my disappointment in having lost " real '' interest I could have earned at XXXX XXXX on my {$250000.00} ( which is not small money ) during this time. If XXXX would have better explained the promo and had me only deposit a small amount and then transfer the {$250000.00} once my promo rate was activated, I would not have lost all this interest rate opportunity I could have stilled earned keeping my money at XXXX XXXX longer. XXXX clearly communicated her disappointed in my experience and said a supervisor will get back to be soon to address my concerns. On XX/XX/2023, XXXX returned my call ( around XXXX XXXX ). He appeared just as disappointed and bewildered as me on discovering how little interest I received on my account. He claimed he would look into the matter and get back to me soon. On XX/XX/2023, not having heard back from any BofA supervisor or XXXX, I decided to call the main BofA line again. The rep, XXXX, apologized to me for the fact no one has gotten back to me yet and told me I should hear back from a supervisor for certain with the next XXXX hours. Today is XX/XX/2023, I still haven't hear back from either BofA supervior or XXXX. In the meantime, I have tried contacting XXXX via text, phone, and email to no avail. I believe all my phone conversation with XXXX, XXXX, and XXXX were on BofA recorded lines. Also, I have documentation of all my attempted communications with XXXX as well as the day I went in to his branch to see him in-person. While I await to hear back from someone from BofA, I have lost all trust and confidence in them. So, as I wait for a fair judgment on my situation, to minimize my interest losses, I will be moving most of my funds out of BofA ASAP. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A