Date Received: 2023-08-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: 1. I have been a reputable consumer of Bank of America for almost two decades. 2. Right after I filed a complaint against a bank employee named XXXX XXXX on XX/XX/2023 my account has been blocked as an act of personal revenge and abuse of power. If there was any suspicious activity in my account the bank should have referred to me and should have asked me if I recognize the suspicious activity. However, nothing of this sort has happened. Conversely, my account was blocked immediately and no communication has been made to me. Since that day I have been denied access to my account on online banking, mobile app, and all phone representatives have denied me access as well. 3. Since then, and for more than a month, I made dozens of telephone calls in order to get access to my account and to urge the bank to take action and rectify its behavior, for no avail. 4. In all such calls, the bank representatives asked to authenticate me using a single method - sending a text message to a phone number which I reported many years ago that is no longer mine. Over the years I have reported this information about my phone number dozens of times to the bank, including at least three times in person - twice in XXXX and once in XXXX XXXX XXXXXXXX. I have been promised that the phone humber has been removed from my profile and the bank will never ask me again about it. This was not true. The bank decided to make this number the ONLY (!! ) method to authenticate me. 5. Because I live outside of the USA I do not have the option of visiting a financial center of Bank of America, which makes the ability to effectively authenticate me remotely crucial. 6. In my calls I insisted that Bank of America rectifies its misbehavior in two ways : ( i ) by looking at the underlying ( false ) reason for blocking my account ; and ( ii ) by allowing me access to my account in a method that is different from the phone number which I reported the bank that I no longer have. The bank has consistently failed to take any action to correct its fundamental mistakes. The last call was made today, XX/XX/XXXXXXXX, and I communicated this information to a supervisor named XXXX, employee number XXXX 7. Despite blocking my account the bank has recently received a wire transfer into my account in an amount of XXXX USD, making things worse, and holding more of my money without allowing me access. 8. By performing the above series acts of misconduct the bank has breached four basic duties : ( i ) by blocking my account as a personal revenge the bank abused its power against me. No system of internal control detected anything, and no system of internal controls has responded to all the red flags that I raised in dozens of conversations with the bank employees ; ( ii ) by sending security codes to a person which it knows is not me it knowingly compromised my account security ; ( iii ) by not allowing me access to my money the bank has violated its basic duty to allow its customers access to their money ; and ( iv ) perhaps the worst of all - all my numerous inquiries, dozens of calls, long hours of conversations, have been encountered with rude representatives, who hung up on me once I detailed the facts above, and who have consistently failed to take any single action to correct any of the acts of misbehavior that the bank consistently and pervasively conducted. 9. This scandal exposes deep, comprehensive and systemic weaknesses in the bank 's system of internal controls, abuse of power, lack of the slightest ability to fix serious mistakes, and overall complete disregard of its duties to its customers. Under such extreme circumstances Bank of America should not be allowed to continue to provide commercial banking services.
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: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Between years of XXXX to XXXX. I have opened two visa credit cards with Bank of America one was at XXXX XXXX XXXX XXXX XXXX, CA XXXX another one was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. Both Credit cards never arrive to my home address after more than a month, I called Bank of America to tell that i didn't receive my credit cards after more than a month. they asked my cell phone number and sent me a code to verify. after a few days, i received a new credit card with a new number and then after another a few days i received another credit card again with a different number. i called bank of America again to tell them that i received two credit card with two different number, they said they are the same. i went to the Bank of America at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX tried to cancel my two credit cards, but didn't successful. i have called many times and fight a lot with Bank Of America then they cancelled my credit cards.. I think they are cheating customer to open more credit cards. i had a problem with BOA with opening credit card at XXXX XXXX XXXX, ca XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94010
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: Found old Bank account number which is unavailable right now. Upon retrieval of this personal information I went to Bank of America in which XXXX XXXX was supposed to be either in a savings account or attached to the account number. Customer serventice then informed me of account being closed without my permission. This was to be a payment for my painting titled XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10034
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I will be a visiting fellow from XXXX at XXXX XXXX this fall. I visited XXXX last spring and opened a checking and a savings account with Bank of America last spring. I transferred over XXXX dollars to these accounts in May. On XX/XX/XXXX Bank of America sent me a letter closing my accounts with no reason given. There has been no banking incident since the opening of my accounts. I contacted the bank. The person on the phone could only tell me it was a corporate decision and would not give me any reason for their decision
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Bank of America XXXX edd card let someone transfer all my funds out of my card via a XXXX party bank and they have not yet to return my money. I also made a police report so they can get involved. My name is XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I saw that some have access to my information and used to apply from companies without my consent and I want to let the company know that Im not the one responsible for it so it shouldnt be on my record
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66441
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a credit reporting 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: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I already have a open complaint but they have seen their errors to a point and want me to pay {$680.00} to cover their mistakes. My account prior to all of these disputes was in the positive and until someone other than the dispute dept can figure the correct balance which if they go back to the date prior to all temp credits, reversals, etc they will see I had a positive balance not NEGATIVE {$680.00}. THEY CANT even figure it out with over 500 temp credits, to reversals, to duplicates and I gave not used my account since mid XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 023XX
Submitted Via: Web
Date Sent: 2023-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem with a credit reporting 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: 33177
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-22
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Yesterday I had about {$2.00}. Today because of the way Bank of America process their transactions I'm negative {$110.00}. All the transactions that put in the negative are things I already did, not anything new that just came out. I have enclosed a screenshot of the latest transactions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92374
Submitted Via: Web
Date Sent: 2023-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A