Date Received: 2024-02-01
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Had to pay overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Sunday XX/XX/2024 I used my ATM card at a Bank of America ATM machine in a XXXXXXXX XXXX parking lot on XXXX XXXX in XXXX NC. I heard the money counting but the machine never opened for me to retrieve my requested {$200.00}. My bank account was withdrawn by the {$200.00} but I did not receive it. I called immediately from the location and watched as other cars approached to be sure they were not given my funds. A representative over the phone assisted by opening a claim as I sat in the parking lot for 40 minutes. That was Sunday and now it is Thursday and I still do not have my money. This is becoming too much of a common place with Bank of America. I constantly have to fight to get my money returned. I have been banking here for over 20 years! My paychecks are direct deposited. Why is this so difficult and takes so long? Fix it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Is Bank of America South Carolina unemployment card I had a roommate who filed and got it in my name and among trying to straighten it out they sent me a card in my name however she was my roommate and while I was out of town she checked my mailbox and she got the cards again she kept canceling the cards and ordering cards because she knew all my information so she could be me at any time no matter how many times I stopped the card I've made police reports on it she paid her phone bill with the card there's proof that she had all these guards make of america has denied half of my claims and then they approved the other claims they approved one card And then a deny one charge and then approve another charge on the same card and I have sent them reports I have sent them everything I've had trying to explain to them she was my roommate they told me That I gave her permission to use the card I never gave her permission they said I got it out my mailbox I did not get it out my mailbox she did I've been going back and forth with this 43 years now XXXX XXXX is my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I discovered some fraudulent activity in my transactions while filing my taxes. I filed the claim on or about XX/XX/2023 the claim included almost {$2500.00} in transactions that should not have been included. The claim was denied and so I called and went over the transactions with an operator and resubmitted the claim. The claim was denied 2 or 3 more times each time I had the same 2 hour call removing the transactions that didn't belong. This tells me that there is no investigation happening or the notes would have been read and seen the amount change and the transactions that had been removed but obviously that didn't happen and I know this because the correct transactions are cut and dry fraudulent and will not provide them with a reason to deny the claim. The denials were coming every 2 to 3 days and I find the speed of those investigations odd since they have had this resubmittal now since XX/XX/2023 and still claim to not have an answer. We are well past the 20 buisnesss days and I can't seem to reach anyone accept for operators that are in place to keep the customers from reaching anyone that can help. BofA no longer handles the XXXX accounts so I believe they are just stringing me along hoping I will just give up. This is not the WORLD CLASS SERVICE they claim at the start of every phone conversation I have filed complaint after complaint to no avail I have done all they asked of me I took it upon myself to fax over a couple things that an employee told me may help speed it up and faxed it at a branch of BofA only to have them say I didn't send them and they never received the fax. I then had to go to XXXX store and pay to have them faxed again so I would have a document showing it was received and copied it only took 8 days for them to add them to my claim finally. I didn't want to file this but they have left me no choice I believe they are not intending to pay my claim I don't believe there is an investigation happening at all since they are no longer with XXXX. After this I am going to either file a small claims suit or have a 3rd party arbitrator over see and rule on this issue I am positive that I am in right and simply want what is mine and no more! Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2024-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Oh, money to the banks that I paid not sure why its not off my credit. Hopefully you guys can send me a card so I can pay off my debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94801
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: This past week, I got a refund from a company overseas. This was a refund that was delayed due to the pandemic and took a long time for them to confirm it. The amount for the refund was XXXX I checked my account this morning and I saw that a fee of XXXX XXXX was charged to my account. This was not my doing, I had no control over the refund amount that came from overseas, wasn't aware they were international. If I did a wire transfer on my own accord, that would be one thing. But to be charged a fee for a refund is not acceptable. Also the multiple charges for a low account fee is beyond unfair. I was struggling with some health issues and had no control over what was happening. In XXXX XXXX XXXXXXXX I believe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02176
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I am writing in request immediate intervention from CFPB for Bank of America. Bank of America correspondence dated XX/XX/XXXX, entitled Your Claim is Closed. This letter serves as a formal request for CFPB to govern XXXX XXXX XXXX XXXX compliance to conduct a comprehensive review of fact-based documentation provided and request for additional scrutiny and a reassertion of my request for a refund of {$5000.00}, a sum representing charges for purported legal services. This Appeal concerns the legal services provided by XXXX XXXX XXXX XXXX, in the amount of {$5000.00}, which are currently the subject of ongoing litigation due to allegations of Attorney Malpractice. I appreciate the due diligence performed by your investigation team. However, I believe that critical aspects of my claim may not have been fully considered, which has led to the conclusion that no error occurred. Bank of America denial of my claim disregards the clear breach of the contractual Agreement and the substandard level of professional service rendered. I assert that the services for which I was billed were either not provided or grossly inadequate, failing to meet the requisite standards of legal practice, as codified in Maryland 's Professional Conduct Rules, particularly Rules 19-301.1 ( Competence ) and 19-301.5 ( Fees ). The services billed and the resulting charges are incongruent with the actual legal assistance received. This discrepancy is evident in multiple facets of XXXX XXXX representation, including but not limited to, a significant failure in upholding communication standards, inadequate legal argumentation, and a marked deviation from the agreed-upon scope of representation. XXXX XXXX XXXX XXXX decision to deny my claim is untenable and overlooks the fundamental principles of justice and equitable treatment. Therefore, I demand a reevaluation of my claim and immediate processing of the refund owed to me, given the irrefutable evidence of XXXX XXXX non-performance and palpable breach of our contractual terms. I. Legal Malpractice and Ethical Violations This formal Appeal regarding the refusal of my claim is rooted in the professional inadequacies and ethical violations of XXXX XXXX, XXXX, as outlined below. Breach of Professional Standards : Under Maryland Rule 19-301.1, an Attorney is obliged to provide competent representation. Regrettably, XXXX XXXX 's services significantly deviated from these legal and ethical benchmarks. Instances of inadequate legal strategizing, lack of thorough case preparation, and a failure to provide knowledgeable legal counsel were evident, all of which undermined the integrity of my legal representation. Financial Misconduct : In accordance with Maryland Rule 19-301.5, legal fees should be reasonable and transparently conveyed to the client. XXXX XXXX 's billing for services that were either unprovided or unauthorized by me represents a clear violation of this rule. XXXX XXXX charged me for services that were either not rendered or not authorized by me, constituting financial misconduct. The overcharging and billing discrepancies reflect financial misconduct that further exacerbates my grievances. Negligence in Representation : Drawing on the precedent set by XXXX XXXX XXXX ( XXXX ), it is evident that XXXX XXXX 's representation was marred by negligence. This negligence manifested in a failure to advocate effectively on my behalf, resulting in a detrimental impact on my case 's outcome. The lack of due diligence and professional attentiveness in managing my legal affairs was not only disappointing but also materially harmful. Ethical Violations : Pertinent breaches in confidentiality and fiduciary duty, as delineated by Maryland Rule 19-301.6 and Rule 19-301.7, were apparent in XXXX XXXX 's conduct. The unauthorized disclosure of sensitive information and the failure to prioritize my interests over others are clear ethical breaches. These actions not only compromised my legal position but also eroded the foundational trust essential in an attorney-client relationship. Please be advised that non-compliance with my refund request, due to Attorney Malpractice, may place XXXX XXXX XXXX XXXX in violation of specific Maryland banking regulations and statutes. As the institution managing the financial transactions related to these services, continued refusal to process the refund might be viewed as an endorsement or acceptance of such malpractice. These regulations and statutes include, but are not limited to, the Maryland Consumer Protection Act ( Md. Code Ann., Com. Law II 13-101 et seq. ), which requires financial institutions to engage in fair and equitable practices, especially in situations involving professional misconduct. Additionally, the Maryland Uniform Commercial Code ( Md. Code Ann., Com. Law II 1-101 et seq. ) mandates financial institutions to exercise due diligence in financial transactions. Furthermore, it is pertinent to highlight the applicability of the Electronic Fund Transfer Act ( EFTA ) and Regulation E in this context. These regulations encompass a range of electronic fund transfers that authorize a financial institution to debit or credit a consumer 's account. This includes transactions from various types of consumer accounts, specifically demand deposit ( checking ), savings, or other asset accounts established primarily for personal, family, or household purposes, as well as prepaid accounts as defined by Regulation E. The term electronic fund transfer encompasses any transfer of funds initiated through electronic means such as terminals, telephones, computers, or magnetic tapes for the purpose of authorizing a financial institution to debit or credit a consumer 's account. Therefore, this regulation covers person-to-person ( P2P ) payments, mobile payments, debit card transactions, ACH transfers, and other electronic transfers to or from consumer accounts. These regulations are crucial in ensuring consumer protection in electronic financial transactions, making their applicability to this case both relevant and significant. In the matter concerning Attorney, XXXX XXXX, there was a blatant disregard for the provisions of the Health Insurance Portability & Accountability Act ( HIPAA ), specifically outlined in Public Law No. 104-191, 110 Stat. 1936. This law mandates strict confidentiality and security measures for handling personal health information. Additionally, the Health Information Technology for Economic and Clinical Health ( HITECH ) Act, part of the American Recovery and Reinvestment Act of 2009, Title XIII, Subtitle D, extends these requirements. It directs entities, especially those not covered under HIPAA like certain health record vendors and service providers, to notify individuals and relevant authorities in instances of data breaches or unauthorized disclosures of unsecured health information. Attorney XXXX 's actions, involving the disclosure of my PHI without explicit consent, appear to contravene these federal regulations, constituting a serious legal and ethical violation. Failure to process my refund request in the context of attorney XXXX XXXX 's malpractice may lead to serious consequences. Such inaction might be perceived as a lack of due diligence on your part, potentially exposing XXXX XXXX XXXX XXXX to allegations of complicity in unethical practices. This scenario risks both reputational harm and legal scrutiny, especially in light of potential violations of consumer protection laws. An immediate and fair resolution to this matter is crucial, not only for my interests but also for upholding the XXXX XXXX XXXX XXXX commitment to ethical banking standards. Given that the transactions in question fall under the purview of these regulations, I urge XXXX XXXX XXXX XXXX to reassess my refund request with this regulatory framework in mind, ensuring compliance and upholding my rights as a consumer. A prompt reassessment of this situation is not merely a matter of fulfilling fiduciary duties ; it aligns with the stringent standards of legal and ethical banking practices. Moreover, it is a crucial step in addressing the purported professional malfeasance. II. Rebuttal to Merchants Response to Chargeback The documentation provided by XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX, such as the Fee Agreement, detailed invoices, court transcript, and Attorney 's Fees Affidavit, fails to adequately address the central issues raised in my claim. The documentation furnished fails to establish the legitimacy of the transaction under dispute. The mere presence of a Fee Agreement, Invoices, and even a Court Transcript does not conclusively prove that the services charged for were rendered or that they met the standard of care contractually promised. It is essential that each charge be demonstrably linked to a corresponding, competently rendered legal service. Absent this, the transaction 's validity is rightly called into question, warranting a thorough review and appropriate remedial action. Under the Maryland Consumer Protection Act ( Md. Code Ann., Com. Law II 13-101 et seq. ), transactions must be fair and transparent to protect the consumer from unfair or deceptive trade practices. Additionally, banks have a fiduciary duty to their clients to act with care, honesty, and diligence as set forth under the Maryland Uniform Fiduciary Access to Digital Assets Act ( Md. Code Ann., Est. & Trusts 4-501 et seq. ). These laws mandate that financial institutions maintain the integrity of transactions and uphold the trust placed in them by their clients. If a transaction, such as the legal charges in question, lacks a valid basis for its execution or fails to meet the agreed-upon standards, it may be deemed invalid, prompting necessary rectifications to align with these legal standards. The documents furnished by XXXX XXXX, while procedural, do not substantively validate the quality or the effectiveness of the legal services rendered. My concerns revolve around the actual execution and competence of the services provided, which I contend have not met the professional and ethical standards mandated under Maryland law. Therefore, these documents, in their current form, do not counterbalance or negate the assertions of malpractice and inadequate service that form the basis of my chargeback request. Fee Agreement and Invoices : While the invoices document the services billed, they do not reflect the actual quality or effectiveness of the services provided. There are notable discrepancies in services listed in the invoices compared to what was rendered, indicating a significant misalignment between billing and service delivery. Court Transcript : My statement in the court proceeding, as referenced in your communications, requires contextualization. The court transcript holds little weight in substantiating the quality of legal services rendered. Statements made within it are not incontrovertible evidence of satisfactory service, as they fail to capture the multifaceted and evolving nature of client satisfaction and the effectiveness of legal representation over the entire course of proceedings. Attorney 's Fees Affidavit : The submission of an Attorney 's Fees Affidavit, while procedurally correct, does not inherently signify fulfillment of our Service Agreement. There were specific service expectations outlined in our Agreement which were not met, despite the Affidavit. Transaction Authorization : Although I authorized the transaction, it was predicated on the assumption that the services provided would align with our agreed terms. The services rendered were materially different from those I had authorized, both in scope and quality. III. Conclusion Please be advised that the issues in question concerning the requested refund are currently under litigation. This matter is not merely a dispute over service satisfaction but a subject of legal proceedings, underscoring its gravity. Prompt and thorough attention to this refund request is not only appropriate but imperative. I expect that this matter will be addressed with the urgency and seriousness it warrants.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank of America is holding my fathers money within their bank. My father went into their branch and filled out a letter of beneficiaries identifying whom to disperse his account to after he passes, he filled that information out IN PERSON on XX/XX/23. The bank is stating they wont pay it out because several changes were made before and after his passing, which is illegal. The bank rep informed him after he completed the process that It can only be change by appointment only. They are stating they are honoring their clients wishes, which they are not doing by holding is money when he had physically went into their branch and filled out the proper paperwork. The branch notified the state about an individual trying to be added to his account, which the bank denied and about someone taking money from his account. The state interviewed my father and he made it clear to the investigator his frustrations with what was going on. Theres an active investigation going on now against the individual and the bank will not release his funds to his beneficiaries that he wrote down in their branch. Its just throwing salt in the wound of the family as we are mourning and causing more problems than they know between the family. Emotionally some individuals have spoke to therapist and my youngest sister had her doctor tell her the stress is causing her to XXXX and have other medical problems that effects her condition she has had majority of her life. We need the funds released and they are trying to give it to the individual he wanted to keep it from by asking everyone to agree or attend probate court which is super expensive. They are being unreasonable and borderline bullying by not honoring what my father signed in their branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66109
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The card Exp was in XXXX I canceled the account in XXXX I paied all past balances and interest on spirit card offered by bank of America with no Annual fee so I took it in XXXX by XXXX they sent me a letter telling me they were going to start charging me an annual fee of XXXX a yr so I paied them what I owed plus interest and canceled the card it's on my credit report still u want it off then this man contacts me from XXXX XXXX in XXXX XXXX gives me his name and number and Ext tells me he will send a full repot to my E-Mail I get a 2 line letter in the mail and it tells me the matter is closed and there not changing anything I filed a complaint with XXXX of XXXX North Carolina with a pic of there letter the letter offers no Explain of why and this XXXX XXXX from XXXX XXXX in XXXX XXXX doesn't answer his phone now interesting I want this off my credit report thank u
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93292
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: An application was submitted fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01945
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A