Date Received: 2023-08-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Bank of america refuses to refund Me the money that was taken out of my account when covid hit I have been going back and forth with them for over 1 year I never received a card or a check I was out of state my old roommate stole my identity and bank of america will not help me I have sent them all my paper work and it's a joke now inwas denied for unemployment and disability with out them even Investigate in this situation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: They pushed me by advertising to apply for this credit and when I apply for it I get denied and my credit score want down XXXX XXXX by hard inquiry check to my credit score and now I can't dispute this check. And is going to effect in my credit score for long time. Plz I want to remove the inquiry check from my credit score history plz. And I don't know why I get denied..there is something weird in this bank the one I was talking about. He is ( bank of America )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I bank with Bank of America, Im currently on a XXXX for the XXXX and soon will be coming home. Ive been out here since XX/XX/XXXX, and around sometime in XXXX on the XXXX to be exact my account was charged and someone had taken XXXX dollars out of my account. I opened up a investigation with the bank and they gave me my money back for the time being till the investigation was concluded, now about 2 days ago the bank is taking away my money again because their saying I had to give this person authorization to use my account which makes no sense. They tell me that this person had use my pin ( Im the only person who knows my pin ), and had to use my debit card ( which is impossible because my debit card has been deactivated before the month of XXXX. Now the bank is denying my claim and are uncertain that Ill get my money back, so basically the bank is stealing XXXX dollars away from me. I have proof that I have not been in the states since XXXX and am certain the only person who knows my pin is me which is why Im telling them someone is scamming me. Would really appreciate you guys help, thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11967
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My name is XXXX XXXX I received a call from Bank of America while at work in XXXX MA stating that my XXXX account was being used so they needed me to verify if I made the transactions. I said no I didnt he gave me a reference number and told me as a BOA rep he would contact the 3rd party XXXX and we needed to send the money to the email XXXX in my name to hold the money for 24 hours and block the account so that whoever was trying to get the money in Connecticut could not. Well all this was a scam it was not the bank and my account balance is {$0.00} a claim was placed but they wont guarantee Ill get my money back, {$2700.00}. I just survived XXXX for the 2nd time, I am newly XXXX and have a young child. I really need some help recovering my money. The existing claim number I was given is XXXX. If anyone can help me I would greatly appreciate it. XXXX XXXX ( maiden name on file at BOA ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
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: 2023-08-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had ta Bank of America XXXX XXXX card and the account was switched to XXXX XXXX. When I received the letter I closed out all the Travel rewards I had been saving for a XXXX XXXX XXXX before the switch. I believe it was sometime in XX/XX/2022. I closed out all of it so I believe it was between XXXX XXXX XXXX XXXX XXXX I never received the voucher. I started calling and the BOA stated they would look into it. I kept calling and then around XXXX they stated I would have to deal with Comenity to resolve this issue. They could not talk to me since I did not have an active account with them. I called XXXX starting in XXXX and they opened a ticket and told me that BOA has 90 days to respond, call back in 90 days. I did, BOA never responded and they opened another ... and another. This has been going on since XXXX XXXX supervisor told me in XXXX that BOA will not respond to them. I just got a letter from XXXX stating since its been so long they are closing my complaint there is nothing they can do. I have spoke to XXXX and asked for a supervisor to call me and I have not heard back. It is not my fault BOA will not respond or talk to me and they are the ones who kept telling me call back in 90 days. I know this is BOA 's issue, they have my money, but I cant get anyone to take the time to look into it. I dont know if it was lost in the mail or just never sent, but either way I never received it. If it was mailed they should be able to see the check was not cashed but if no one will take the time to look into this issue and they dont care because I am no longer their card holder. Its not my fault they lost the XXXX account. Please help me resolve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have chosen the fee problem because it is one of the issues I will discuss in the description section, but the major problem needs to be listed. Bank of America has repeatedly failed to take matters seriously and often seeks ways to dismiss any complaints. I have reached out before, and the complaint is referred to the Regulations Department, which needs to be investigated properly and thoroughly. I am requesting that the CFBP investigate my allegations. I will present three ongoing issues : 1. Consistent violation of dispute policy 2. Overdraft fee charges for funds refunded 3. Delayed deposits or deposits not posted on the date promised. The consistent violation of the BOA dispute policy consists of threats to close my account, encouraging a disabled customer to shop in person rather than online, and the restriction of the dispute transaction link. This has been going on for years, and BOA expects me to allow merchants to keep the funds paid for products not received or damaged products. The only consideration given is if I express that it was fraudulently taken. If it was taken without authorization, I will not hesitate to mention it. However, if I give my information to the merchant and the items are defective or damaged, then I can not allege fraud. See below : How do I submit a credit card dispute? Before initiating a claim, consider calling the merchant first, as they may resolve your claim faster ( we may also require information from the merchant to process a claim, so contacting them directly may save you time ). Additionally, please note that only posted transactions can be disputed ( pending charges are temporary and may change ), so if you have any immediate concerns about a pending charge, you may want to contact the merchant. You can typically find the merchants contact information on your receipt or billing statement. Online Banking customers can submit most credit card disputes directly from the transaction detail found in the Activity tab on your credit card account page, or from the Dispute a transaction link on the Information & Services tab. Timely notification is important. Most transactions must be disputed within 60 days of the date of your statement on which the error appeared. If you did not provide your account information to the merchant in question and suspect that your information was stolen, please contact us immediately. While our online dispute process is the easiest and fastest way for you to submit a claim, you may also write or call us. Please visit our credit card customer service page for additional information. There is no indication in this BOA policy section of information that a customer has a limited amount of disputes per year. When I first applied, I was told the charges could be disputed. There were no terms impressed on sign-up. I am often denied the right to fight for my funds and to seek assistance from BOA, and even though I follow their directives to reach out to the merchant, I am still rejected, threatened, and discouraged from filing disputes. See website XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a dispute transaction link, and it is activated for every BOA customer except for me. When I inquire about this restriction, BOA refuses to answer. This is discriminatory. BOA violates its policies concerning specific clients. I can understand overdraft fees for charges taken for insufficient funds, but when the funds are refunded, the cost should be as well. If these funds had not been taken out, I would have had enough to cover several charges. According to a customer service representative ( CSR ), the transaction causing the overdraft fee was not XXXX XXXX but XXXX. This information needs to be corrected. Some CSR are not familiar with their banking policies. A deposit was made on Saturday, the XXXX of XXXX, and the next business day was documented as XX/XX/2023, I received the funds on the XXXX of XXXX, and I needed those funds to travel to have a XXXX XXXX done. This isn't very good to do to anyone. Holding the funds purposely is a problem. Bank of America has repeatedly refused me the right to services offered to other clients. I know this will be forwarded, but it will not lead to them investigating properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Bank of America {$320.00} from business account that was already resolved with police report due to check book being stole.They can tell me what the charge is from. Ive been calling for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Financial digital crimes lately with my personal checking/saving and business bank of America accounts , claims closed and denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX I received a Bank of America statement by US mail for an account I did not open. I called their fraud and they closed the account. XXXX XXXX I received an email from Bank of America saying an account had been created. I did not create this account. I called and they said they were closing it. XXXX XXXX I received another Bank of America statement by US mail for another account I did not open. I went to their branch office in X town, X state and tried to resolve it. They refused to close the account until I provided an affidavit, copy of my social security card and other identifying information-a large packet worth of paperwork. I told them they are allowing someone to keep opening fraudulent accounts without verifying their identify and asking me, the victim, to provide personal identifying information to a place that clearly has security issues. I told them this was backwards and wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60563
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was getting my unemployment through Bank of America I was paid XXXX dollars and I only got XXXX XXXX of it they sent debit cards to the wrong address
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A