Date Received: 2023-08-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My on line banking is being accessed by another device. The person who's doing it is paying for rent at other places. Buying things online. And changing my password. Also changing my address address. My address is getting changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Bank of America closed up my credit card and didn't give me my rewards back and also they overdraft my business account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48126
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the XXXX of this month. XX/XX/2023 I was transferring my social security check from my major checking account to another. It was XXXX dollars. While making the transaction my money was taken from me and sent to a balance assist account at bofa which was closed. I've been waiting to be reimbursed for the money they took out my account. I owed them XXXX they took all of my money and are not sending me the balance of what they took
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a notice from my XXXX Credit Card account that an inquiry had been initiated by Bank of America on XX/XX/XXXX. This was done without my knowledge or consent and was done without any action on my part that would justify a credit inquiry. I sent them a letter on XX/XX/XXXX ( attached ) requesting information. I also sent them a copy of the notice I received from XXXX ( also attached ). My XXXX score is over 800 and I jealously guard that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Received opening of a new credit card with Bank of America in XXXX XXXX XXXX Did not have a account number and after multiple calls with Bank of America they could not find record of account. Credit report pull in XXXX did not show account. Received a bill on XXXX XXXX for annual renewal fee for credit card. I was able to close the account as I now had a account number. The only business I have done with Bank of America was through my employer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54701
Submitted Via: Web
Date Sent: 2023-08-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am filing this complaint because I have been defrauded out of {$28000.00} over a two- month period from XXXX to XX/XX/2023 on Bank of America XXXX XXXX A total of 32 transactions were conducted on this platform provided by Bank of America! None of these transactions were created by me, nor were they authorized by me. I don't know any of the recipients and none of them are on my XXXX recipient list. In fact, I hardly use XXXX. I have a checking account jointly held with my father, and these fraudulent transactions have been made from this checking account. This account is primarily used by me, a XXXX year old, whos just started her career I am being denied access to my hard earned money because of fraudulent activity on Bank of America provided platforms! I filed a fraud claim in XXXX to which Bank of America did not take action my account was not put on restriction, my debit cards were not canceled. Nothing was done. Then in XXXX I called Bank of America again and filed a fraud claim for all the fraudulent transactions that had continued on my account. This claim has been repeatedly denied by Bank of America. I have provided details of my interactions, in chronological order, with Bank of America below. I have also attached all the correspondence with the bank - the initial denied claim notice, the faxed letter I sent to Bank of America with all details of the fraud transactions - after which I received another denied claim - and the emails my father sent to XXXX XXXX, the President of Retail Banking at Bank of America, to which he has received no response. XX/XX/XXXX - filed initial fraud claim ( no resolution or action taken by Bank of America to protect my account ) XX/XX/XXXX - filed second fraud claim for all 32 fraud transactions XX/XX/XXXX - fraud claim denied XX/XX/XXXX - called Bank of America to dispute the denied claim XX/XX/XXXX - faxed letter to the Bank of America fraud department and investigator [ letter attached ] XX/XX/XXXX - fraud claim denied by Bank of America once again, after reviewing the faxed letter and supposedly conducting another more thorough investigation XX/XX/XXXX - email sent to XXXX XXXX, XXXX of Retail banking [ email attached ] XX/XX/XXXX - follow-up email sent to XXXX XXXX XXXX after receiving no response [ follow-up attached ] As you can see, I have repeatedly tried to resolve this issue and get my money back, but Bank of America continues to deny my claims. I have been a loyal customer of Bank of America for 7+ years as a Preferred Rewards client ( and my father is a customer for 23 years! ), and the bank 's lack of effort and interest in a matter this serious has caused me a great deal of stress over the past few weeks. My father has also filed a complaint with their Preferred Rewards service desk but has received no response. I hope you will appreciate the stress I am going through and hold Bank of America accountable for their lack of customer protection on checking accounts platforms and for their poor customer service. I would like to receive my money back as soon as possible- PLEASE HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94117
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: In XXXX of XXXX Bank of America opened an " XXXX XXXX XXXX '' account in my name without asking me. I have never had a Bank of America Checking account or Savings account. I do have a mortgage and have made several complaints about Bank of America 's handling of my mortgage to the CFPB over the past year. In XXXX v. Bank of America ( 2017 ), XXXX XXXX XXXX, Bankruptcy Judge, wrote : XXXX XXXX lives. This automatic stay violation case reveals that he works at Bank of America. https : XXXX As of XX/XX/XXXX Bank of America states that I have a negative balance of {$14.00}. That is XXXX for XXXX, XXXX and XXXX of XXXX. I have no idea how this account was opened and honestly wonder if it is a punishment for complaining to the CFPB about my mortgage. I would have not considered that prior to reading this article about the XXXX case : https : XXXX " The judge cited communications from the office of Bank of America 's CEO, both to the Sundquists and to the Consumer Financial Protection Bureau , the watchdog agency currently under attack by the Trump administration . After the XXXX petitioned CFPB about the case, Judge Klein wrote that BofA lied to the agency by denying that they ever foreclosed. '' " The oppression of the XXXX can not be chalked off to rogue employees betraying an upstanding employer, '' XXXX XXXX wrote. " This indicates that the engine is driven by direction from senior management. '' He even added that the misconduct of the CEO 's office " strayed across the civil-criminal frontier. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-27
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited a check on XX/XX/XXXX ( XXXX XXXX, XXXX, # XXXX ) from a scammer who claimed to be XXXX XXXX from XXXX XXXX. Before I realized two days later that the check was fraudulent, I expedited two XXXX transfers on XX/XX/XXXX in the amounts of {$980.00} and {$1000.00} to a colleague of the scammer based on the funds from the check that I now know is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44310
Submitted Via: Web
Date Sent: 2023-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Over the last two years, i've been having problems by accessing my online banking with your company I have got no response from Bank of America. When I had try to call or send an email to the finan I believe that someone in that agency is trying t Also having the same problem with XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72206
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 purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Im XXXX and my ex wife has been stealing my money and identity to use me and ruin my life
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A