Date Received: 2023-08-10
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: BANK OF AMERICA IN THE XXXX AZ AREA PHONE ME TO VERTIFY IF I GAVE PROMISSION FOR XXXX XXXX TO SEEK A LOAN IN THE AMOUNT OF {$5000.00} IN MY NAME. I HAVE NOT GIVEN ANYONE PROMISSION TO USE MY IDENTITY. THE ACCOUNTS IN WHICH SHE ATTEMPTLED TO OPEN ARE - XXXX AND XXXX. CONSIDER THIS A COMPLAINT. FOR I DIDN'T GIVE XXXX XXXX PROMISSION TO USE MY IDENTITY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
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, a fraudulent transaction in the amount of {$2100.00} was shown on my Bank of America MasterCard credit card account with number XXXX XXXX XXXX XXXX. I did not authorize this transaction and the card was always present with me physically and never handled over or authorized to use by anyone. Accordingly raised a Fraud claim with Bank Of America on XX/XX/2023, and Bank of America opened a Fraud dispute claim ( Claim Number : XXXX ). Also filed a police complaint with XXXX Police department the same week with complaint Case # XXXX and an Identity Theft report with FTC Report Number # - XXXX. On XX/XX/2023, Bank of America denied the fraud claim saying incorrect information through I did not initiate the fraudulent transaction. This was not expected, since even though I mentioned to the Bank of America XXXX department that this transaction is fraudulent and not at all authorized by me, Bank of America incorrectly denied my claim Requesting help in this matter to resolve this fraud claim, and issue the credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We a XXXX XXXX with which we used to receive regular monthly payments from XXXX XXXX XXXX XXXX a.k.a. XXXX via ACH. We opened a new account with Bank of America and ever since we have been unable to receive these funds electronically because Bank of America keeps rejecting the ACH deposit from XXXX XXXX XXXX XXXX a.k.a. XXXX. As a result, we have had to deposit manual checks from XXXX XXXX XXXX XXXX a.k.a. XXXX which has resulted in additional fees. In XXXX we deposited our first check into Bank of America via Mobile deposit without any issue, and typical XXXX hold time. Last week on XX/XX/23 I deposited another check at the branch. I was not advised that there would be any hold beyond the typical XXXX time, as before. A few hours later, Bank of America advised me that there would be a 15-calendar day hold on this check, because " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' Now mind you, not more than 30 days ago we deposited a check for roughly the same amount and from the same company and same account and it was paid, without issue. The check was drawn on XXXX. XXXX has confirmed that the check was paid. Bank of America is refusing to acknowledge that they have received the funds and stated that even if they do, they will not release the hold. Bank of America has placed this hold strictly as a punitive measure on our account because one, we have a very low balance and two it was overdrawn by their fees at the time of the deposit. There is nothing abnormal about this check or transaction that would cause the hold to be placed otherwise. I have tried to reason with them, but they refuse to budge. Bank of America rakes in BILLIONS of $ $ $ $ in profit every year on the backs of poor and working-class people and micro businesses and their policies such as they unreasonably long funds hold in spite of already receive the fund punishes and pushes people like us further down the run of society bearing the brunt of fees for no reason other than to line the pockets of the wealthy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-10
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I discovered on my own that a fraudulent auto loan was originated and approved by Bank of America under my name for {$130000.00} XXXX days ago on XX/XX/2023. There had been no contact by any means from Bank of America to me on this loan origination process. Believe I am a victim of identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: OnXX/XX/2023 I deposited XXXX in my acount all XXXX ' bills. The ATM did not say out of order before I did it but afterwards a error popped up saying there was something wrong with the machine and they can't deposit my money or return it, my bank has not responded or went out to check the atm they have not even turned off the atm until it gets resolved this was my mortgage money!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank of America closed my account due to a scam I had no part of, someone that I did not know sent me a XXXX, I later got a call saying I had to send that money back which I did. It seems that the actual owner of the account that sent me money reported me saying that I scammed then when I in fact had nothing to do with it. As a result of this Bank of America closed my account even when I made a report about this, this happened last year
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-09
Issue: Lost or stolen check
Subissue:
Consumer Complaint: I have been dealing with the Bankk OF America Thieves for over 30 years never have I ever dealt with such BULL and lies from any bank. I was informed that a fraudulent check was deposited into my account while being out of town on XX/XX/XXXX and my account was shut down while out of town. The uncaring XXXX had the nerve to tell me that my account was going to be closed because I commited fraud. I'm not the smartest person on earth but I do know that if I committed fraud I wouldn't have waited 30 years to do so ... XXXX XXXX XXXX XXXX ... .I should have listened to ppl when they tried to warn me about this trifling bank of thieves but I didn't and this is why I'm in this situtation. I'm tired of asking for my money that belongs to me now on XX/XX/XXXX they finally sent my check out after already causing me to go into a Eviction Status where I live and I have never once been late on my rent in 5 years and I want BO Thieves to compensate me for the incomentence and neglignce. When I received this check that I supposed to have deposited the Signature didn't match mines - 1st Red Flag, The amount of the Check - @ nd Red Flag, XXXX signed the check using my name and writing For Deposit only was the 3rd Red Flag In 30 years I have always signed my checks with my Signature and my acct # and the last Red Flag was the incompentent employee that called me and stated the deposit was made outside of my normal region that I deposit in all these Red Flags but I'm responsibe. I want my money to me no later than XX/XX/XXXX or I will sue for pain and suffering and causing me to go into an Eviction Stage when all you idiots had to do was return my money to me in the amount of {$2500.00} which I still don't have since XX/XX/XXXX. Sure the post office may have lost my check but had you never caused anny of this bull I wouldn't be in this mess. I called the post office and they said you can track the check which your lazy employees refuse to do. I'm tired of your excuses eiter have my money to me in full on XX/XX/XXXX or be prepared to be sued for paid and suffering and my money. I will walk into the bank and get my funds in Cash or I will contact a lawyer to make an example out of you for playing with my funds and telling me I have to wait 121 days for the check to be returned that's your problem not mines. I will be telling the ppl when I go to Eviction Court this is all your fault Ban of Thieves.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a account with Bank of America for my mother because there was fraud done at moms XXXX XXXX by a XXXX XXXX The account was opened XX/XX/XXXX. Bank of America flagged the account because of the fraud and froze the account. They said they had to investigate and therefore would close the account and at the end of the month they would issue a check with the funds 10 days after the account was closed. We are now XX/XX/XXXX and still no check. I called again and was told yet again it would be closed the end of XXXX then have to wait another 10 days. I have called several times and keep getting told it will be the end of the month and check will be mailed. The has been several months now. When I ask why they say that's all the information they have. I go into the bank and they tell me to call the XXXX XXXX No help at all!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 880XX
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX of XXXX, my vehicle was broken into. My wallet and other valuable items were taken. My wallet contained my phone, license, health insurance card, car insurance card, COVID-19 vaccination card, cash, and private information. I believe the incident occurred while I was attending mandatory clinicals for my XXXX program. My clinical groups were instructed by our XXXX dean to always park as far away as possible from the hospital to respect patients and visitors. That week, I attended clinical every day for twelve hours a day. My car was mainly parked in unsupervised, wooded areas. Since my clinical schedule was so busy that week, I did not realize something was wrong until I randomly checked my online account and saw that numerous large transactions had been made with my debit card in multiple states. The total amount of fraud was well over XXXX XXXX XXXX, my entire savings. I immediately contacted Bank of America and I filed two claims, however both were eventually denied. I have contacted Bank of America time and time again since then seeking a resolution. They have denied every claim. I have explained the incident to them in detail. I have restated multiple times that I did not authorize any transactions that were made. I have provided various pieces of evidence proving my whereabouts during the period of time the transactions were made. I have restated multiple times that my phone was not in my possession, nor did I have a password on my phone at the time. I had to replace everything that was stolen including my phone. I have provided Bank of America with more evidence than I honestly think is needed. I have provided my work schedule, clinical schedule, class schedule, police report documentation, XXXX exam documentation, documentation from my doctor who I visited during the period of time the transactions were made in other states, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34655
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: They've reimbursed me for purchases that where made unauthorized by me and then, made my pay them back for the reimbursement, they refund my accounts for unauthorized purchases and payment made from my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28352
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A