Date Received: 2023-08-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I'm recently just finding out a credit card was opened in my name with Bank of America. I see it's on my credit report. It's saying the card was opened XX/XX/2021. AND I owe a balance of {$880.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I initially have {$1500.00} in my account with Bank of America to avoid monthly maintenance fee. The bank however charge me {$12.00} to get the account below the {$1500.00} threshold and then continue on for the next two months to keep charging me {$12.00} per month because the account was below {$15.00} minimum for the account maintenance fee and they refuse to refund. I think this is a very predatory practice. Please fine them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We opened a business account with Bank of America on XX/XX/2023 and we have received checks made out to our company but the bank will not allow us to have access to our funds at least 10 days later. They are holding our checks as they see fit. Initially we were told the funds would be available the next business day or if there was a hold it would be on checks over {$5500.00}. We have had checks under {$4000.00} deposited and they are holding them for 10 business days or as they see fit as we were told by a branch manager. I asked for a copy of a signed agreement where these terms were specified but there is nothing we signed agreeing to that. Our business has been negatively impacted by this bank since we can not access our funds in a timely manner. I believe they are holding our money unjustly and doing whatever they want with their customers. They are misleading and they did not disclose any of this information at the time we opened our account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91324
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I wrote a check to a XXXX out of my XXXXXXXX XXXX XXXXusiness checking account in the amount of {$6600.00} and mailed it to my vendor. The check was intercepted in transit and never reached the intended payee. It was then improperly endorsed by the interceptor and deposited by Bank of America. This was brought to our attention XX/XX/XXXX at which point, I called XXXX and made a fraud claim on the phone. The fraud agent recommended I go into a local branch to complete a Declaration of Improper Endorsement form to complete my claim asap, which I did immediately that day. The branch offered to send copies of my paperwork directly to the fraud department on my behalf which I allowed. I followed up with the fraud department on the status of my claim for several weeks after that and kept being told they were still awaiting my Declaration of Improper Endorsement. I went back to the same local branch again on XX/XX/XXXX and the same advisor helped me contact the fraud department, who asked us to complete the paperwork a second time and resend. I did so, and once again the branch advisor sent copies to the fraud department via regular mail and digitally directly to the fraud department. I proceeded to contact the fraud department every few weeks to check on the status of my claim and was always met with the same response which was that they were still awaiting a response from the depositing bank which was bank of America. I went back to the branch again on XX/XX/XXXX to see if the same helpful advisor could help get me some more information on the status of my claim. We reached out to the fraud department together, and were told that there was no new update, and we were still waiting on Bank of America to respond. At this point it had been well over the 90 day period I was told they had to respond within. I called the XXXX XXXX fraud department every few weeks after that for the last 6 months and have been given no new updates on my case. On XX/XX/XXXX I contacted the CEO and XXXX XXXX XXXX XXXXXXXX XXXX directly and made them aware of details of my claim. I explained that while the amount of the check is small in comparison to most business transactions, the loss of funds has been directly impacting my small business operations. And that I had now spent several hours at the bank and on the phone with the fraud department and was growing increasingly frustrated by the lack of urgency in the matter. I recognized that I know it is up to the endorsing bank to reconcile this issue, however as a valued client of XXXXXXXX XXXX, I felt some effort should be made by them to refund my money as quickly as possible. I got a call and email response from a representative of the executive branch of XXXX within a week of contacting them. The rep offered me assurances that my case would not go unresolved and that they would check in with Bank of America again on my behalf and monitor the claim. On XXXX XXXX I received a letter in the mail from XXXXXXXX XXXX alerting me that Bank of America had declined my request for reimbursement and that my case had been closed. Enraged, I reached back out to the executive office and fraud department. I was assured they were handling my claim and that it would be resolved within a matter of month. I received a notice on XX/XX/XXXX letting me know they were still following up with B.O.A who had not responded to the claim as of yet. On XX/XX/XXXX, I received a letter from XXXXXXXX XXXX letting me know for a fourth time that they were not able to recover my funds from Bank of America and that my case is once again being closed. As it stands right now, almost a full calendar year after the incident, I still have no recourse options available to me. It is overwhelmingly frustrating that neither Bank of America, who allowed the incorrect endorsement, and XXXX XXXX, who released my funds, will take ownership or offer any assistance. Shame on Bank of America for supporting and aiding a criminal over a hardworking, law abiding, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: In 2018, my XXXX XXXX XXXX cashed 3 checks forging my signature with the total amount of {$2400.00}. Bank of America informed me that for me to get my money back I needed to make a police report since the person that stole the money was related to me. I made the police report and submitted the police report to Bank of America. Bank of America sent me a letter denying to reimburse the money stating that it was my responsibility to have my check book secured but the letter stated that I could appeal it. I did appealed but the answered was the same. The bank denied reimbursing the money once again. As a result of this incident, I opened a new account with Bank of America which is my current account : XXXX. The prior account number were the money was taken was : XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90032
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/, I walked in to my financial institution BANK OF AMERICA to withdrawal my available funds to pay my monthly rent and monthly utility bills. Unfortunately, to my surprise the bank teller told my checking is closed and are unable to withdrawal my available funds at this time and wrote down a phone number for me to call to receive further information. I then call and came to find out the risk department closed my checking because of a check that was deposited into my checking account that I did not deposit. And let the representative know that on XX/XX/ my car was broken into, my purse, wallet, bank ATM card was taken n stolen from stolen me. I went on to say, I guarantee you won't see my face depositing that check. I do need access to receive my available funds. The representative then told me my available funds will be put in a check and will be issued out to meXX/XX/2023XXXX I then said What? Wait a minute, that's my source of living, my social security benefit payment, my federal income tax refund funds is what I have to live off for the month. So my rent, my utility bills, are going to be unpaid. N more than likely be given a late charge and be put at risk of being evicted because my rent is every XXXX of the month. How am I suppose to eat. The representative very rudely said I'm sorry I don't know what else to tell you. And hung up on me. How unfair is that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91755
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Applied for a credit card on line for {$30000.00} Online on the Bank of America website, the application was not approved immediately, Subsequent it was approved for a lower credit limit without notice to me. Without my consent Monies were paid to two of my credit cards and a fee of {$390.00} was charged to my card. I received notice of the said transactions only on the XXXX of XX/XX/2023. I objected to the transactions by my letter dated the XXXX of XXXX to the bank CEO. Received a call from XXXX of the CEOs office, I offered to payback all monies immediately to the bank in return, for the fee to be returned. I have not received any reply from the bank. My credit card number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
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: On XX/XX/2023, I purchased XXXX tickets for the XXXX concert at the XXXX XXXX for XX/XX/2023. They were to be delivered electronically via email. I received an email the tickets had been transferred but never received the tickets. I called several times speaking with a customer service rep to had me search all of my email boxes for XXXX XXXX XXXX and XXXX XXXX. After the tickets could not be located, the rep said they would contact the seller and have him retransfer the tickets. In the meantime while waiting for the retransfer of tickets, I called and emailed XXXX, checked my email boxes daily, and checked my XXXX account daily. The concert came and went with no help. I contacted XXXX who was not able to provide a refund. I contact my Bank of America card to dispute the purchase. This week I received a closed dispute letter from Bank of America saying I was responsible for the charges. Attached was XXXX policy but nothing about an investigation into this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60525
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: 2023-08-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America ATM never dispense cash out, bank took funds out my account, they gave it back now they took my money again and telling me its nothing I can do to get it back claims they have me on camera collecting funds which is a lie I need to sue for fraud pain and suffering this has been stressful cant pay my bills this the second time and I have some information that can back my story up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My Bank of America was compromised on XXXX XXXX with unemployment benefits from Washington State, and frozen and 2 deposits remain in the account, from the XXXX and confectionery union for my pension salary deposited on XX/XX/20 for XXXX and on XX/XX/20 another deposit for XXXX I received a letter from the attorney General of Washington on XXXX XXXX to file a claim to have my pension salary to be return, for the amount of XXXX I had file the claim and received a phone call from the assistant attorney General and explain that's pension money belonging to me not unemployment benefits money from the state of Washington which was already returned but remains my pension salary the assistant attorney General sent documents signed by the judge in this case my name was removed from the list and my pension should be returned back to me Bank of America refuses to refund my pension money and I have forwarded documents from the court saying I have the right to have my pension money returned back to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60459
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A