Date Received: 2023-08-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been a customer of Bank of America since XX/XX/XXXX. I opened a savings account for travel. I have only deposited money into that account, and have never, ever in the 7 years I've banked with them, withdrawn any money from this account, not even once. I'm fact, the actual card has never been on my person, it's been in a file box the entire time. I was perusing my account in XX/XX/XXXX and came across two debits on the same day, XX/XX/XXXX, one {$1000.00}, and one for {$750.00}. I filed a complaint for both of them with the telephone banking center. This was highly unusual activity on that account and BoA 's fraud detection system failed to detect or even notify me. {$1000.00} was taken out of the drive through ATM and {$750.00} was taken out inside the bank. I was assured on the several phone calls I made regarding this case that they do have security tapes and they would investigate these issues. I received no information for very long periods of time. After one of my calls they sent a letter by mail declining to affirm that the {$1000.00} ATM withdrawal was fraudulent activity. I called the fraud department and they could give me no added information. I could not get an email address, name or direct phone number to anyone in the fraud department. I called again and sent another letter requesting any information they had that would conclude it was legitimate. No reply. I sent another letter ( 3rd letter ) and a fax, to a number I was given on the phone, inquiring about the {$750.00} in-bank withdrawal and much later I received a letter denying this claim as well. I will include all correspondence and if needed, statement summaries going back to XXXX which proves everything I have said. Again, BoA fraud department has NO EMAIL ADDRESS, NO NAME, AND NO DIRECT PHONE NUMBER to the fraud department. This is highly suspect to me. I have had to communicate with them only by mail. They have not answered any questions, and haven't given me any information I've requested. I have attached 33 pages of account statements going as far back as I could, to XXXX, including the XX/XX/XXXX statement showing the glaringly fraudulent account withdrawals, which proves everything I've said. The bank tapes should back this up as well, if they actually do have them as they claim to. I have obtained legal council, who advised me to file this complaint with the FDIC as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77023
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XXXX XXXX XXXX is holding {$4100.00} XXXX Dollars on case number XXXX. The merchant is XXXX XXXX merchant number XXXX. I made the payment using Bank of America Visa credit card on XX/XX/2023. I have opened a dispute with BOA claim ID is XXXX on XX/XX/2023. USD amount is {$3000.00}. The payment is for the rental of a condominium in XXXX XXXX. XXXX arbitrarily decided to cancel and close the merchant account without reason and demanded and received back their credit card machine. They have refused to pass the payment to the merchant, and have told the merchant they were going to hold all funds in the account for 6 months. They instructed merchant to tell me to request a refund from my CC, which I did. I have contacted BOA 4 additional times and they have not issued a credit and are taking no action to resolve the dispute. They have indicated we will need to wait 90 days to see if the merchant will not dispute the charge back. The merchant has already contacted XXXX and sent them written instructions that they will not dispute the charge back, and requested they refund the money to BOA, but they have taken no action. REQUESTED ACTION : XXXX needs to refund the credit to BOA so I can pay for the rental and access it on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. Despite my previous written request, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly UPDATE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or upated immediately. Account number XXXX, account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I the consumer have asked XXXX XXXX XXXX to validate the alleged debt he claims that I owe, and all he has provided me with are statements to an Alleged account that he can not prove is mine. I never gave XXXX XXXX XXXX consent to use my private personal information for anything. I do NOT have a contract with XXXX XXXX XXXX or his company. This is the 3rd attempt and I still have not received the relevant paperwork that the law requires this debt collector to provide the me the consumer. XXXX XXXX XXXX and his company have violated my Consumer Rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts. You XXXX XXXX XXXX ( XXXX XXXX XXXX ) failed to validate this alleged debt. I refuse to pay this alleged debt until the proper validation of this debt is provided. You are an attorney/debt collector is this correct? If so, I imagine you know the difference between a Validation and Verification of Debt Pursuant 12 CFR 1006.34c. This is all hearsay, what firsthand knowledge do you have? This is all false and misleading information. Furthermore, I request verification of the alleged debt, specifically, a copy of a CONTRACT or AGREEMENT. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect this alleged debt and money that I do not owe. An attorney can not be a debt collector and a debt collector can not be an attorney. You are claiming to be both an attorney and a debt collector.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I added {$440.00} from my Bank Of America checking account to my XXXX XXXX It said declined from XXXX but withdrew the funds from my checking account anyway. No record on XXXX. I called in on XX/XX/23 to dispute the transaction and the original rep told me that it is covered under regulation E and that if there was no resolution within 10 business day I would recieve a provisional credit. 10 business days go by and I call in to BofA to get an update. I am now being told the original rep gave me misinformation and that in fact the transaction was not covered under regulation E. Some back and forth and I ask to speak to a supervisor. XXXX from XXXX said that she is sorry I misinterpreted what the original rep told me.Putting the blame on me. I said no, they certianly told me it was covered under regulation. I do some research on exactly what is this regulation and to me " electronic funds transfer '' seems to be covered. XXXX went on to say how services and digital goods are not covered. I asked her to point to me where it says that. She became irrate saying " its not her job to help me understand the bill. If I have a problem with it to take it up with congress because they are the ones who write them. '' I asked them to explain to me what guidelines are and why this isn't covered under electronic funds transfer. She just continued belittling me and putting the blame onto me and then hung up on me. Just blatanly lying to my face.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49503
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: This bank of America claims department are criminals. Everyone I have spoken with have a criminal back rounded sould ot be at this bank and as you see on my RT respond they have said that my aims were closed and they were not said they have paid me.and that's not true because if they did why was re they open now. The latest after falsifying my whole account to. They now have taking pictures of me at Bank of America last year. And when I didn't have a bank of America Bank card but I did have a bank account with XXXX XXXX so I was going to Bank of America which I was living next door to to get money out of my XXXX account but they took the pictures from me being there getting money out of my XXXX account and use it on my claims from 2020 and it had nothing to do with me getting money out of Bank of America account. They also have people on the pictures with me I have never seen a day in my life I don't know those people not guarantee you find out who those people they are they don't know me first my account not a falsifying pictures and lying about my pictures on my account I don't know what you guys job is and what you're supposed to do but I would assume you guys are supposed to help us I sent you all the evidence that this bank is falsified my account or Central evidence of this bank has done a whole lot of things that's against the law my next move is to file criminal charges against Bank of America and XXXX XXXX that you guys charged them to pay back to customers believe me they're not giving us anything so what are they doing with the money can y'all find that out too please thank you and they claim to know nothing about the injunction that was filed against them none of the supervisor or the employees and that's ridiculous when the injunctions it's rules they're supposed to be following I don't care if they know nothing about it or nothing they supposed to be following certain rules that judge XXXX put down for them and they're not doing any of it that's another crime they're committing one I guess they need to be reminded that no one is above the law I mean no one you commit the crime you do the time it's hard to trust someone that lies to you about their name in the state they were in every time they pick up the phone the first thing they do to us is lie how are y'all trusting these people with millions and millions and millions of people money and their criminals and liars and thieves and scammers it's only thing I got out of them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I went to XXXX XX/XX/2021 for two years while I was in XXXX someone hacked into my bank account and transferred money from my bank account at Bank Of America using XXXX I found this out when I got my a power of attorney to be able to send me money while in XXXX that my account was frauded I tried to contact the bank on several occasions but couldnt get into my account due to not having the proper credentials due to the fraudster changing my information I tried to have my power of attorney make a claim but the bank would not let them and said I would have to do it when I got home this person explained to them that I would still have to come in there myself due to the activity on the account so I finally got XXXX two years later and filed the claim I provided them with a police report number and all the transactions that where fraudulent they denied me about 4 days after the complaint stating that laws governing electronic transactions the consumer has one year from the date of an unauthorized transaction to recover any loss from their financial company I called and reopened the case and sent in proof of XXXX that same day I did that I got another email stating that laws governing electronic transactions is that the consumer has one year from the date of an unauthorized transaction to recover any loss from their financial company I have been trying to explain to these people that I had no way to make the claims due to me being XXXX and provided proof and they still closed my case again and not trying to refund me my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49507
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I changed my checking account to a new bank in XXXXXXXX XXXX and changed my auto debit on Bank of America 's website to bill the new bank for my auto loan payments. Bank of America has a verification process for the new bank, which I completed and I got an email from BoA that I could now make the change, which I did. My payments are due on the XXXX, so my auto debit has always been set for that day. XX/XX/XXXX would have been my next payment, but the payment was taken from my old bank ( with no money in it as I was in the process of closing it ) on that day. The same amount was also showing up in my new bank to be paid on XX/XX/XXXX. The details for my new bank were accurate and included routing numbers as well as the name on the account reflecting the exact name used on BoA ( and not on my new checking account ). This information could only have come to my new bank from BoA. However, when I called BoA about the double dipping, they have records only of the mistaken payment from my old bank. I advised them this was incorrect, and I reversed that payment through my old bank. It is time for me to make my next payment, but the correct XXXX payment is still showing as paid from my new bank, while BoA can't locate the payment on their side. I have called numerous times, been through hours of rerouting into numbers that can't help me, supposed transfers that put me back to the main screen ( push 1 for ... ), and information that was contradicted in subsequent calls or by facts. Now, BoA is sending me emails and a letter about my past due account, I have been charged a late fee, I've been told everything from we have no record of your payment to we found your payment so we mailed you a refund check! A refund check for a payment on my account makes no sense at all, and it didn't arrive anyway. I was told it was mailed on XX/XX/XXXX, they have verified my address, yet I have not received a check as of XX/XX/XXXX. They have never sent me any information about this check and only one person said it was sent. Everyone else has said they never got my payment. Even if they had mailed it, that would be wrong as it would require me now to cash the check and send the funds again, while they could keep the late fee and additional interest because I " paid it late ''. Meantime I've had no access to those funds because they were with BoA or in limbo in a check ( which I still haven't had them verify they even sent ) while my account gets charged and I'm now directed to the collections number. However, the branch manager at my local BoA told me that this is common practice with BoA. I went to a branch office on XX/XX/XXXX, to be told by a woman they said was a manager ( although she had no office ) that they can't help me as they have no access to my account since auto loans are a different area. Although I initially believed they are incredibly incompetent and have very poor customer service, I now feel due to all the lies and issues that this is intentional. I am being harrassed now for a payment I can prove I made. I can prove they received it. I can't find anyone who understands and cares. Meantime I am being charged interest, a late fee, and I don't know how I can trust future payments will be correctly applied. They have my money and have had it since XX/XX/XXXX, but they truly don't seem to care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I received an ad in the mail for a Bank of America credit card in XX/XX/XXXX. I decided to apply for the card online to use it for the promotional balance transfer APR. At the time of application I entered in two balance transfer requests. One to my XXXX XXXX XXXX XXXX and one to my XXXX XXXX XXXX XXXX. I was approved for the BOA credit card and received it in the mail on XX/XX/XXXX. On XX/XX/XXXX I tried to activate the credit card with the telephone electronic system but was transferred to a BOA representative. The BOA representative then told me that for some reason ( I was not provided with an explanation other than " to prevent fraud '' ) I would need to go into a BOA branch and provide XXXX forms of ID in order to activate my new credit card. I informed the BOA representative that the closest BOA branch was XXXX hours away and that I would not be able to activate my card. I then asked the BOA representative to close the BOA credit card because there is no point in having a credit card that I can not use. The BOA representative told me that I would have to go into a branch with two forms of ID in order to close the BOA card. This is a very important part here... I asked the BOA rep if my balance transfers would still go through and she said " No '', I reiterate that I was verbally informed by the BOA representative that without activating the card, the balance transfer requests would not go through. With this information, I decided to not pursue the BOA card activation any further, and planned to go into a BOA branch to close my BOA credit card the next time I am in a city with a BOA branch ( that could be 6 months to a year from now ). With the information that my balance transfers would not go through, I went into a XXXX XXXX branch the next day and applied for a XXXX XXXX XXXX XXXX with a 0 % promotional balance transfer option. I was approved for the credit card in XX/XX/XXXX and soon thereafter I saw the balance transfers pay off my XXXX XXXX credit card and XXXX XXXX XXXX XXXX. Now, today on XX/XX/XXXX I went to review my XXXX and XXXX cards to make a monthly payment and I see that both cards have a large overpayment balance. In a review of the balance history ( and a review of my XXXX XXXX XXXX and history ) I see that Bank of America DID extend a credit balance and balance transfer to my XXXX XXXX and XXXX XXXX EVEN THOUGH I was verbally told ( probably on a recorded line ) that those balance transfers would not go through and that I couldn't even activate my card. Because the card is not activated, I can not even get on the app to review histories. I am sure that I was also charged a balance transfer fee. I want Bank of America to close the card and recall any funds they advanced ( I feel without my permission at this time since I was told the balance transfers were not going to happen ). I want them to reverse any balance transfer fees as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 558XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Bank of America, in violation of their own policies, continues to receive money intended to pay principal, misapplying the monies received in order to continue to charge me interest on the monies received. Currently my balance includes over {$740.00} in excess interest charges. I asking CFPB to step in and explain to the Bank of America that they need to follow their own policies and stop deferring application of monies received and to apply the monies as indicated below : The Bank of America continues to hold my money paid towards principal despite my requests to have applied as intended, as listed below : Date Payment Type XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 {$10000.00} Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 XXXX Regular monthly payment XX/XX/2023 {$5000.00} Principal only XX/XX/2023 {$9900.00} Principal only XX/XX/2023 XXXX Principal only XX/XX/2023 XXXX Regular monthly payment The Bank of America has acknowledged they have received the above monies but they fail to correct their repeated misapplication of funds received, holding the money while continuing to charge me interest. I believe there will come a class action lawsuit which I am prepared to start. I have made three other complaints. CFPB incorrectly closed the last case claiming a response which was dated PRIOR to said complaint was sufficient to close the case. I hold CFPB responsible for its assistance or lack thereof as a supervising bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A