Date Received: 2023-08-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: THIS ACCOUNT IS REPORTING INACCURATE AND HAVE VIOLATED MY CONSUMER RIGHTS DUE TO MILD PRACTICE. THIS ACCOUNT IS REPORTING INACCURACIES ACROSS ALL ( XXXX ) CREDIT BUREAUS. BK OF AMER
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a complaint against BOA for allowing me to be scammed by fraudulent lawyers.. the contact representative from BOA for CFPB complaints have not responded and listed an incorrect number for contact.the lawyers I paid never showed to court, BOA is allowing them to keep my money and not provide services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34639
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: bank of america was the bank that XXXX used for are accounts in XXXX XXXX i started getting money from XXXX i recieved the first check and thast was it i contacted bank of america asking them what was going on because i didnt not receive any money after the first check and all they would tell me is the money was deposited on my card well i never received another payment and i have contacted them and i filled 45 claims and all they keep telling me is they have payed all kinds of the claims XXXX sent me a letter explaining that there was XXXX XXXX dollars put in to my account everytime i call bank of america they tell me that the claims are payed them i received one payment from bank of america and thats it its been 3 years and this is not right all my XXXX was stollen from there bank and they are not paying none of that money i was suppost to get on my claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: bank of america was the bank that XXXX used for are accounts in XXXX XXXX i started getting money from XXXX i recieved the first check and thast was it i contacted bank of america asking them what was going on because i didnt not receive any money after the first check and all they would tell me is the money was deposited on my card well i never received another payment and i have contacted them and i filled 45 claims and all they keep telling me is they have payed all kinds of the claims XXXX sent me a letter explaining that there was XXXX XXXX dollars put in to my account everytime i call bank of america they tell me that the claims are payed them i received one payment from bank of america and thats it its been 3 years and this is not right all my XXXX was stollen from there bank and they are not paying none of that money i was suppost to get on my claim
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92220
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Consumer Financial Protection Bureau 1700 G St. NW Washington , DC 20552 XX/XX/XXXX Dear Sir or Madam, I am writing to report an invalid practice or potential fraud by Bank of America ( BOA ) related to the withholding of a {$200.00} reward bonus. In accordance with the attached offer letter ( Attachment 1 ), I was informed by BOA that I would be eligible to receive a {$200.00} cash reward upon making at least {$1000.00} in net purchase by XX/XX/XXXX. As per my records, I made a purchase of {$77.00} at XXXX on XX/XX/XXXX ( Attachment 2 ), which contributed to my net purchase amount exceeding the specified threshold at {$1000.00}. This was based on the cumulative total of {$1000.00} before XX/XX/XXXX. XXXX, ( $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$1000.00}. However, it has come to my attention that BOA has altered the transaction date for this purchase to XX/XX/XXXX, as indicated in a monthly bill from BOA ( Attachment 3 ). This change in transaction date has resulted in my failure to meet the spending requirement for the reward bonus. It is essential to note that the purchase with an expense of {$77.00} took place on XX/XX/XXXX, and the order was received from XXXX on XX/XX/XXXX and XXXX, XXXX. I have diligently communicated with BOA on multiple occasions, engaging with representatives at both BOA headquarters in Texas and the local BOA branch at XXXX XXXX, XXXX, NY XXXX. I wanted to provide them with evidence of my purchase ( Attachment 2 ) and expressed my concerns. Unfortunately, my requests have been denied twice, and I have been informed that BOA intends to conduct its own investigation into the matter. However, the responses I have received have been unsatisfactory and have merely stated that I do not qualify for the {$200.00} cash rewards bonus ( Attachment 4 and 5 ). I am seeking the assistance of the CFPB to conduct a thorough investigation into BOAs invalid practice or potential fraud. It is my hope that your expertise and intervention can help rectify this matter and ensure that I receive the rightful {$200.00} cash bonus that I am entitled to. I am fully committed to cooperating with any inquiries or requests for additional information from your esteemed agency. Please feel free to reach out to me if you need any further details. Thanks so much for your attention to this matter, I am looking forward to hearing from you. Sincerely, Attachments : 1-5
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/XXXX I went to Bank of America to request a credit card to star building my credit here in USA. For that they asked me for {$300.00} dollars as a deposit to have my credit card, I made the deposit, and I got my card. I was promised to have a credit line increase to {$1000.00} and my {$300.00} back after been using the card and getting my credit score better, but this never happened. Last XXXX XXXX I made a payment to the card of {$150.00} dollars then, I checked my available balance to spend in the card, but the balance was not reflected in the card, so I called to the banck and they just told me that my card was cancelled. They never notified me, not called me, not emailed me, nothing. Now they are asking me to pay the balance in the card, but they shut give me my {$300.00} dollars back I think.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01902
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Three Bank of America Business Bank Accounts opened fraudulently in our Company name, XXXX XXXX, using our correct Tax ID. We attempted to have the accounts closed by reporting this to the Bank of America Fraud line, and each time the Representative terminated the call after long waits. Today, we visited a local Branch to have the fraudulent accounts closed, and after waiting several minutes in long lines, left again with no action taken. This is an urgent priority for our small business- but we can not get Bank of America to resolve this expeditiously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08003
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
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/XXXX called Bank of America that we received an alert of fraudulent charges. Bank of America then closed the card and was supposed to send a new card. We never received the new card. Received another alert stating fraudulent charges on XX/XX/XXXX but holiday so couldn't call because Fraud department was closed. We called Bank of America on XX/XX/XXXX and told them how can we make these charges if we never received the new card. Then, the representative from BOA supposedly put all the charges that we didn't make on a claim. Noticed on XX/XX/XXXX that more charges from XXXX were made that were supposed to be taken off were NOT. I called and spoke with a representative who told me it takes XXXX billing cycles. I waited patiently until I receive another bill ( XXXX billing cycle ) The charges were still on there now collecting interest. I called back on XX/XX/XXXX and finally someone listened and took the charges we did make off the account. These charges were made on the card we did not possession which I told the agent. We received a letter dated ( XX/XX/XXXX ) that the claim was in process and the dollar amount was raised to {$1000.00}. On XX/XX/XXXX, I looked at my account and all the FRAUDULENT charges were put back on XX/XX/XXXX. XXXX department is closed on the weekend. Call on XX/XX/XXXX and after XXXX hour and XXXX minutes on the phone. The supervisor said there is nothing more they can do as I have to wait XXXX more billing cycles until this MIGHT be resolved. A consumer should not have to be penalized of charges they didn't make. Especially, when these charges are in another state that I don't live in. I shouldn't have to wait another XXXX billing cycles since this was first an issue since XXXX and now this is XXXX. I am very disappointed in Bank America. I have been a consumer since XXXX when it was XXXX. I do not feel protected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07407
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank of America let a third party checking account steal XXXX XXXX from me via a transfer. I have filed a police report and would like you guys to work hand and hand with law informant as I am taking legal action apon the person who stole XXXX out of my account which bank of america allowed them to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92394
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX Fraud/scam reported to Bank of America XXXX checking account frozen due to activity. Bank of America representative advised to open new account due to deposits that were going to be deposited into into old/frozen account, and then to call and have funds transferred to new account. This was completed. There was another deposit that was on hold to be released to new account XX/XX/XXXX @ XXXX, verified by Bank of America representative XXXX on XX/XX/XXXX the account, both old and new accounts closed by the discursion of the bank with no other explanation. I have {$1800.00} available but because Bank of America will not allow me to withdraw my funds from a branch location I now have no money available. Bank of America will not help me and I have called to resolve multiple times. I was advised I do no have a closure date but a live check with my funds will be mailed, this can take up to 8 weeks or more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27320
Submitted Via: Web
Date Sent: 2023-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A