Date Received: 2023-08-04
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged fees for overdrafts prior to my debits being paid and I wasnt overdrawn, this happened quite a few times, I paid once my check was automatically deposited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30152
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened the dispute with Bank of America regarding unauthorized zelle transactions on my accounts and recently i also dispute charges from merchants on paypal. After 2 days, BOFA comes back saying they denied the dispute! They basically didnt take this as seriously as it should be! I am desperate and upset because of zelle unauthorized transactions plus recent dispute that i did not receive my items i ordered it is obviously scam but BofA denied the claims! As i am being their client since XXXX they should at least put on effort to be on my side not just denied the dispute!! They denied all my transactions that I dispute i asked them to help but they couldnt! Very bad business and the reps that took the claims were very impatient as well!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Bank of America closed my account and wouldn't give me any info they also charged my account with insufficient funds and fees 3 years later they sent my funds to the state me and my XXXX can you please help me?
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: 2023-08-05
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: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: My problem with Bank of America. They keep charging me over draft. And I see alot of charging from my account for no reasonable authorization from my side. And I was trying to contact with the customer service for this Bank but it was so hard and I stressed out
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: So on XXXX ( XX/XX/XXXX ) between XXXX I went to the drive Thru at Bank of America XXXX XXXX XXXX XXXX Texas, XXXX. I made a deposit. The exact amount is {$3300.00}. This amount is intended to pay my tuition online ( I am a XXXX XXXX ). So I made the deposit, everything went smoothly then I was asked the usual question ( Are you done? Do you wish to make another deposit? ). After confirming everything, the drive Thru machine took at least 5-7 minutes processing before telling me that the transaction was cancelled. I received my debit card back but not my money. I called the bank and they are telling me to wait 10 business days and if they didn't solve it bu this date, they will issue a provisional credit. I can't wait this long, I need to pay for my tuition now as we are speaking. I also don't want to be issued a " provisional credit '' on my own money. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Thats why nobody should have an account with BOA. Bank of america states they will close an account at any time and doesn't have to give a reason to why. I find it hard to believe why there banking policies and rules are a bit weird. I feel that if your going to close an customers account then there has to be some sort of a reason to why you decide to be done with the customer for life. None of staff don't seem to realize that if more complaints and issues keep happening then this bank will never get better and will lose more customers. its not about there wants, its about what the customer wants. And the overdraft fees are ridiculous that's mostly the reason why they deemed me as risk and close my account, because I'm not funding my account to keep it out of the negative because of the fees that keeps accumulated after bringing the account positive. There was no money in the account and the account was just sitting. My account was closed out, I was told in XXXX of XXXX but they told me XXXX, and then XXXX, nobody is really helpful or honest and once they close your account just beware and good luck fighting to getting your money back, if you find any suspicious with using your card or account but later find out your account is closed and not knowing, for no reason, and your money still sits there, Just better hope there honest about sending a check to you. Youll need the money right away but won't have access to it immediately or anything. They will leave you screwed with nothing else to have left and once the damage is done. Theres nothing you can do and it's all they say they can do. They don't give you a chance, they don't care about what concerns there customers and won't help you. They better realize that dealing with a banking industry is serious business especially when it comes to there clients money. Every single person is all about there money and understand what hard work is. At the very end of the day. I work hard for living especially being on fixed income.This business is running into more trouble if they don't change and they don't care but it's happening. It's bad business in the worst way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29403
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 accessing account
Consumer Complaint: Account kept charging me over drafts before they advised they would not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37040
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: The closed my account and gave no reason to why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60540
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: Can't stop withdrawals from your account
Consumer Complaint: Bank never stop overdraft, until amount of {$800.00} and also opening another checkings account without my authorization
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78572
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Bank of America closed my bank account due to fraud and when I tried to tell them about it in XXXX the told me that it was nothing I could do
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2023-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A