Date Received: 2023-08-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Bank of America closed my account for unknown reason and refused to release my last three paychecks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Bank of America Credit card has a special rewards within certain time such as XXXX coming. I have to use my credit card during thsi time to avail of the promotion for a bigger cash back but this never happened. Nothing came back to my rewards amount and the promotion just disappear from the site.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
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: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: On XX/XX/23 a person called me from a restricted number saying they were trying to deliver important documents to me. He told me to call XXXX and reference XXXX XXXX. When I called the person read off my name, full social security number and asked for my DOB. I was hesitant to give it but I did. He then told me I had a civil suit against me with Bank of America to collect over XXXX XXXX. I told him I never had a Bank of America account and he became rude and told me I was in a lot of trouble if I didn't work with him on this, etc. so I hung up the phone. I was surprised that they had my full SS # which lead me to believe they were legit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My debit card was lost and money was stolen from my account! I called on a Monday and reported the situation and was told to call back the next day to Escalate it. I called and escalated the situation and was told on Tues that i should receive my credits within 24/48 hours. I called weds and was told that i should check back again the next day ( thurs ). I called on thurs and was told that the 1st person i spoke with on tues Never put in my escalation so the supervisor told me that she was going to escalate it and push my credits through and i should see my credits the next day ( Friday ). I called on Friday and was told i had to submit and written letter and provide proof in order for it to be escalated! I wasted a whole week ( my birthday week ) dealing with this misinformation and still havent received my money back!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11694
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: Fraud or scam
Subissue:
Consumer Complaint: I received an XXXX payment through Bank of America of {$3100.00} and the funds were immediately transferred to another account via direct deposit. I didn't set up direct deposit, and called B of A to clarify. This transaction was sent to an unknown individual, and B of A refused to refund the money during the fraud investigation. The frauf investigation was denied three times with only a letter in the mail with the fraud preparator 's email address. I've yet to get an explanation for the criminal and fraudulent transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92647
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: Fee problem
Consumer Complaint: On XX/XX/2021 Bank of America began deducting a fee of {$3.00} per month from my checking account for providing copies of checks written on this account. Neither I nor my wife ever requested or approved this service. I went to my bank and requested that this charge be discontinued and was told they could do nothing. I was told that I had to call the Bank of America service line to handle the problem. I began calling Bank of America on a regular basis and asked that the service be discontinued. I requested that I be given a refund equal to the service charges that I had incurred. Each service person to whom I spoke assured me that the deduction would be discontinued even though it might take up to 60 days. The {$3.00} deduction is still happening to this day. I need your assistance with this unlawful service charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77407
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX, a detailed complaint letter faxed to Bank of America disputing with timelines of a fraudulent charge by an international vendor to a credit card in my name that was closed ~ XXXX or XXXX and no activity in the account since this period. The fraudulent transaction was initially discovered and reported to BoA on XX/XX/XXXX. Since this time, BoA has not responded satisfactorily and their method of addressing the complaint is opening a new credit card account without my consent and transferring the the balance of the fraudulent to the newly opened account. BoA 's credit card department subsequently harass me by placing frequent telephone call to collect on the debt. I have spent many hours contacting BoA with the intention of resolving their errors and lack of basic controls to mitigate risk from vendors submitting fraudulent transactions. The last conversation occurred at XXXXXXXX XXXX. on XX/XX/XXXX with XXXX of BoA to address another credit card account opened and transfer of the fraudulent balance transfer. After spending over an hour discussing the background with XXXX, he confirmed BoA never filed a fraudulent claim since my initially reporting it to them on XX/XX/XXXX and that this will be the next action taken by BoA. Needless to say this came as a surprise and demonstrates BoA 's lack of basic controls in managing consumer complaints and mitigating risk from fraudulent transactions submitted to them. I'm familiar with CFPB 's recent record $ XXXX fine assessed on BoA for lack of similar controls in opening fraudulent accounts on behalf of their customers without the customer 's consent. I have similar experiences with fraudulent transactions and accounts opened by BoA which again I have brought to BoA 's attention since XX/XX/XXXX. This is the basis for this request to CFPB for assistance achieving satisfactory closure to this long standing complaint and assurance BoA 's failure to address the complaint timely does not adversely affect by credit rating in the industry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bank of America Well, back in XX/XX/2023 I missed a payment I called in a couple days later to make the payment. The woman told me to pay a certain amount which turned out to be XXXX or {$30.00} less than it shouldve been ( mistake on her part, how this all got started ). So I go on my merry way, thinking it was taken care of meanwhile, Bank of America is just dragging that XXXX or {$30.00} behind and charging the ridiculous amount of money. I called several times and it seems like we had it figured out here it comes again, It wasnt figured out. This was a failure on their employees, and now they have begun to ruin my credit. My other cards are reducing the limit, I had great credit Bank of America XXXX me. Now heres the kicker there talked me into auto pay. That way you wont miss your minimum payment they said. but of course they did not mention that my minimum payment coming up was over XXXX and something dollars I would never have a greed to that and they went into my bank account and cleaned me out. They took between XXXX and {$1400.00} I called to find out whats going on and they return XXXX ( which is around the amount that I paid them because of the late payment they usually double up on you ) I deactivated my account on my online banking so it was down and Bank of America somehow stole another XXXX and something dollars that night it was as crooked as crooked gets theyve basically robbed me. I talked to XXXX young man at BofA after the fact and he said that hes never seen anything like that and Bank of America definitely screwed me, I dont know why but now theyre ruining my credit my other cards are reducing the limit, as it stands I cant morally pay them any more money until we get this cleared up and I will never ever deal with that horribly corrupt institution again. I hope this is enough. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-04
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: I told them that they have now the car to the wrong place that I live in Florida and had the wrong name on it middle initial at my first name for my middle name wrong and XXXX was used and they made me going to the bank to verify my identity which I told him in Florida which just got issued in New Jersey.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32117
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: Other transaction problem
Subissue:
Consumer Complaint: Twice, XXXX of dollars were removed from my savings account overnight. It happened once and they couldn't explain it and then turned around and did it again a few days later. This was money I inherited from my mother. I had to move what little I had left from their bank and I have never gotten an answer of it returned. It is truly a horrible bank!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78633
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A