Date Received: 2023-08-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am the XXXX of my late mothers estate and I have been working with the Bank of America estate department to close her savings account and get the proceeds so I can distribute them to the heirs. I hired an estate attorney to advise me with the paperwork and mailed it first class certified to the Bank of America Estate Department on XX/XX/2023. The postal service confirmed that the Bank of America received my paperwork on XX/XX/XXXX. On XX/XX/2023, I visited a branch of the Bank of America to get help with the lack of a response. The staff person at the branch called the estate department in my presence and was told that they had a response in there files marked do not send. The branch person instructed them to send the correspondence to her digitally and gave it to me. The correspondence from the estate department acknowledged my letter and requested the forms that they had received with the letter on XX/XX/XXXX. I resubmitted the forms the estate department requested, taking them to a branch and having the staff there transmit them to the estate department on XX/XX/2023. On XX/XX/XXXX I telephoned the estate department to verify that they were processing the matter. They verified that they had the forms and would mail a check. On XX/XX/XXXX I telephone the estate department to verify that they had sent the check. They confirmed that they had mailed it and confirmed the address. They asked me to contact them if the check didnt arrive in a few days. On XX/XX/XXXX I visited a branch of the Bank of America and worked with staff to research why I had not received the check. The estate department told the branch person that they had not sent the check and would send it via XXXX or XXXX to arrive by XX/XX/XXXX. On XX/XX/XXXX I telephoned the estate department to see what happened to the check. The staff at the estate department said they had not sent the check and would send it to arrive in twelve days. I should note that each time I worked with Bank of America staff on this they confirmed my name and address. I have arrived at the conclusion that the Bank of America has no intention of sending the check and I would like to file a complaint against them and request that you compel them to issue and send the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85745
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Im here asking you for the love of God to help me solve this problem with the Bank of America ..... On XX/XX/2022 I contacted XXXX XXXX XXXXXXXX complaining about a fraud in my account... I saw them withdraw in a day almost {$1000.00}... when I went to take a look at my account to realize that XXXX was withdrawing money from my account for more than a year. I contacted the bank to open claim, they said they were going to investigate .... And they will ask me to contact XXXX ... .I contacted XXXX and XXXX will review my phone and saw that it was fraud ... I called the bank again and they will send I wait 45 days to investigate... well the 45 days have passed and they will not call me and did not send any letters and simply closed the case... I called the bank again, they simply said they closed the case for spending a lot of time I spoke to the attendant that XXXX spoke That it was fraud... they will tell me to go to the bank and sign a paper. I got there, there was no paper and the person who answered me called them And he explained everything again and the attendant asked me to go to the police station to open report I did everything they ask to me They will ask, I sent everything copie report And they will send I wait 30 days I waited I called again and they couldnt find the documents I sent and whenever I called I never found my case even with the claim number I asked about the fax I sent... I didnt have an answer and in the end the boy who answered me simply said that there is nothing else to be done .... Because I entered my account several times and because I didnt see the transactions .... So I explained why it is a Businesses account and that it entered several charges and entered money that my life is very busy because I have XXXX children .... Im single mother Bank of America will close the case Even though I said that XXXX said it was fraud For not speaking English Theyll think I wont run after my money Please help me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need, Ill send you everything from each sheet of this Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02148
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On Sunday XX/XX/2023, as I was traveling, I unfortunately misplaced my cellphone and it never got back to me. I allowed some time with the hope that it would return to me, but it never happened. Instead, all my accounts : email accounts, banks accounts, social media, etc, were accessed and used on my behalf by the new " owners of my cellphone ''. When I was able to access again to my email account, I noticed that there had been some unauthorized activity on this bank account. I immediately called Bank of America to report this situation ( XX/XX/XXXX ). I also asked them help to change my online banking password, which they did. I opened a claim on these two transactions and clearly stated that I did not make these transactions nor know who did it, and that my cellphone was no longer in my possession since XX/XX/XXXX. One of the transactions had not posted yet when I opened the claim, so it would have been easy for the bank to stop it. The representative that assist me submitting the claim said " you will receive a temporary complimentary credit for these transaction and once Bank of America finishes the investigation, if they find out that it was not you who did them, the credit will be final ''. I never received that credit. Instead, only XXXX business days later, on XX/XX/XXXX, I got a letter from Bank of America telling me this : As a result of our research, we've determined that we are unable to honor the claim for the following : Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity ( ... ) We now consider this claim closed. Clearly, in 4 days there was not a serious investigation by the bank, as I was told they would do. As the letter said, they just " research '' and found what I had already told them, that someone else in possession of my phone took advantage of it and emptied my account. If I am telling my bank that there is fraud in my account, that the transactions were not authorized, that I have been the victim of the robbery of my funds, why they can not reverse the transactions? Why they can not stop the transaction that was still fresh and was showing as pending? They could not at least open a serious investigation? Frauds may be considered a federal crime, and BofA seems to be taking these cases so lightly. By doing nothing and looking to the side, Bank of America is not only damaging me and me family for the loss of our funds, but they are also being an accomplice on this illegal activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: The Bank of America open an account whit out my permit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18201
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2023, an XXXXXXXX XXXX XXXX checking account with Bank of America was fraudulently opened in my name. I reported the incident with Bank of America XXXXs Fraud Department via telephone on XX/XX/2023 upon receipt of an account statement in the mail. The statement I received via mail on XX/XX/2023 indicated that an account was opened using my name and former address. The Bank of America associate informed me the account was opened online on XX/XX/2023, using my name, date of birth, former address, and social security number. The account was utilized to make an ATM withdrawal for {$10.00} ; to transfer {$770.00} to an individual named XXXX XXXX ; to transfer {$650.00} to an individual named XXXX XXXX ; and to return an item worth {$2400.00}. This resulted in a negative account balance of {$3800.00}. The Bank of America associate informed me that the account had been flagged internally for possible fraud prior to my call. He placed an immediate freeze on the account, but indicated the internal investigation will continue to allow them to ascertain more information on the responsible individuals. He also issued me a case number and informed me that the internal investigation will likely lead to the possibility of filing a lawsuit against the perpetrators. Following the associate 's advice, I placed a credit freeze and fraud alert with both XXXX and XXXX. Please note I am refraining from uploading the account statement I received in the mail because it contains personally identifying information, including my name, former address, and account number. I can upload this at a later time and redact the information if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: In 2022, my BOA checking account was fraud due to BOAs lack of management. I had to freeze this checking account and open another one. It took my a lot of efforts to update all my other automatic payments to this new checking account. Somehow my BOA credit card automatic payment was not updated with the new checking account. BOA did not contact me or call me regarding this issue. They closed my credit card which I had with them for 20 years, by over due {$13.00}. I think this is not a proper way of treating a loyal client who is with you over 20 years. I will appreciate someone contact to alert me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
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: I am the victim, in an identity fraud, attempted credit card acquisition and hard inquiry scheme that occurred twice, on the dates, of XX/XX/XXXX ( XXXX XXXX XXXX and XX/XX/XXXX XXXX XXXX reporting ). Bank of America XXXXredit cards was the host bank that conducted these fraudulent credit inquiries which was initiated by an unknown person who stole my personal information credentials possibly from a XXXX address as disclosed to me by Bank of America fraud department. However, my conversations with Bank of America fraud department, on XX/XX/XXXX yielded no results, in removal, of the hard inquiry pending conclusion of their investigation. In fact, the violations of my credit files continued with another fraudulent credit inquiry, on XX/XX/XXXX, at which time I spoke to XXXX, a member of Bank of America fraud department who advised me that a letter will be sent out to me, by Bank of America confirming the fraud credit breach which would have allowed me to secure a police complaint report in XXXX XXXX XXXX. There has been no communication from Bank of America since XX/XX/XXXX. The 2 fraud credit inquiries still remain on my credit report, from XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I see 2 hard inquiries on my credit report which I did not apply for : 1. An auto loan from Bank of America inquired on XX/XX/2023 XXXX. A home loan from XXXX XXXX XXXX inquired on XX/XX/2023 I see several soft inquiries which I haven't applied for as well. I need to dispute all of these and also place a freeze so my information is safe and protected going forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01002
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Transactions for Bills or necessities process for several days and then im charged late fees. Transactions that were processed can not be disputed until processed and if the transaction wasn't meant to be transacted my money is not put back in account by bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08302
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: A Bank of America inquiry on XX/XX/2023 applying for a unlimited cash rewards visa signature card. Refer # XXXX. I didn't apply for this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A