Date Received: 2024-01-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/2024 around XXXX XXXX I was at the drive thru ATM of the Bank of America located at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I tried to withdraw {$760.00} and the ATM didnt give me the money but discounted the amount in my checking account. I immediately made the claim by phone and 7 business days have passed and the bank doesnt have any information about the case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/year> I am writing to dispute my reduction of my credit rating from XXXX to XXXX due to a one time 30 day late payment of XXXX for my credit card account ending in XXXX. My late payment was an error on my part. However, I have always had a high credit rating and because of this one transaction I should not be penalized by having a significantly lower score. The lower score caused by the 30 day late payment on my report is unfair and severely damages my credit. In the next coming months, I will be in the market for buying my first home and the lower score will hurt me significantly due to a late payment balance of XXXX I am requesting to have my 30 day late payment removed on all credit reporting agencies for the following reasons : XXXX. Bank of America stated my account was 60 days past due. This is false. I attached a statement for reference. The total due is on the XXXX of every month. On XX/XX/XXXX, I had a balance of XXXX} and I paid it in full to have a XXXX balance. On XX/XX/XXXX, in a new cycle, I made a charge of {XXXX. On XX/XX/XXXX, I had a charge of XXXX}. I logged in to make my payments however, the XXXX} was the only charge posted. I made that payment on XX/XX/XXXX. This cycle falls between XXXX XXXX XXXX XXXX. On XX/XX/XXXX, XXXX, my credit monitoring service, notified me Bank of America reported a 30 day late payment. As soon as I was aware of a late payment, I paid in full and set up auto-pay to prevent further issues from happening. XXXX. I did not receive a notice from Bank of America that I had a late payment. Had I known, I would have made a payment much sooner. I also had the funds to pay in full as well. I am providing statements to show my balances. XXXX. During this time, I was living in an apartment without heat in the winter months in XXXX XXXX and had to move out quickly because the landlord refused to fix the issues. I moved out and found a new place immediately and was focused on settling in to my new apartment as fast as possible. That was my priority and this was a very stressful time. XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX at Bank of America. I explained my situation and she assured me the delinquency payment would be updated from all credit bureaus and marked as current. This conversation was recorded. I feel her statement should be honored. XXXX. A friend of mine, who is with Bank of America, had a similar circumstance while his mother was in the hospital and requested to have the late payment removed. Bank of America was able to update the payment history. XXXX. For over 20 years, you can see I have not missed one payment and have been responsible. For these reasons, I am requesting my 30 day late payment to be removed and changed back to current on all credit bureaus. This would restore my credit rating back to where it was previously to be in a good position for purchasing my first home. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: HARD INQUIRY for Bank of AmericaXXXX XXXX XXXX XXXX XXXX This is not me! I didn't apply, inquire OR request! I tried calling them. Totally automated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX a scammer called with BofA phone ID. The man claimed that BofA had issued a person a credit card with a line of credit with my stolen identity. that person had already spent XXXX at an XXXX XXXX and before it had posted I could stop payment by depositing money in an XXXX account.I had XXXX in my savings and not knowing at the time if I had deposited XXXX in an XXXX account it would have been flagged by the FTC this scammer knew that and I inadvertantly put XXXX in an XXXX account that I provided. Now of course I'm not seeing any red flags.My XXXX son also has an account with BofA and he's listed jointly with me. He had over XXXX from his SSI and the scammer moved XXXX into my sons account so that he could also get XXXX into an XXXX account. Now both my son and I opened XXXX accounts. I deposited the money unknowingly but realized that I was being scammed and got a hold of Bof A and we realized that my money was moved but my sons account was locked due to suspicious activity. I verbaly said to the rep that please keep this account frozen!!! She was more concerned with why my son had more money. She referred me to the fraud department which was closed I went to bed thinking that I was only investigating my XXXX when first thing on my phone I see that my sons account was depleted of all his funds. When I finally got a hold of someone from the fraud department they said they don't freeze accounts! He knew darn well I meant locked. Now my son never had access to that account on the XXXX, actually the scammer was texting him while I was on line with the BofA rep saying he was from the fraud department and he needed to call this number ( which ended up being a number from XXXX ) my son is smart and just kept writing STOP the scammer did this until someone from BOFA unlocked that account and the money was deposited into the XXXX account which my son set up but if they hadnt unlocked it never would have been released.BofA dropped the ball and now have refused to pay my son. They also let the scammer try to get into his locked account four days later and tried to blame me for it. I said I don't understand the purpose of a locked account thats being investigated for fraud when letting scammers back four days later into locked accounts!! now I may have to pursue a lawsuit since my son is XXXX but not mentally. I hope they are not using that as an excuse to not pay him his money from his account. Very disappointed in a bank Ive been doing business with for over XXXX years, very hard to get a hold of someone from the fraud department and they keep referring you to talk with different departments and keep you tied up on the line for sometimes an hour before you speak to someone. I would just like to see my son get the money he deserves and have BofA take the blame since they were the ones who let the money slip into the XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27455
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I LOST MY SOCIAL SECURITY CARD RECENTLY AND HAVENT BEEN ABLE TO REPORT IT, I GOT A TEXT today XXXX saying that my bank of America credit was approved and items will arrive in 14 business days. It was from a XXXX number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Set up banking account with BOA to monitor daily transactions, most notably food, car rental purchases, etc. for my new job at XXXX XXXX. Everything seemed okay at first until XX/XX/2XXXX when I rented a car from XXXX. Every week money was deducted from my account for XXXX and put into pending status then debited by BOA. Sometimes multiple debits for the same charges!! ( I notified BOA the first time it happened then later that day two of the charges were reversed. ) When I went to extend my rental for the month of XX/XX/2XXXX XXXX told me I owed money and that that they were missing payments. I showed them the transactions history on my BOA app and they said they never received the money. After a long drawn out back and forth I was forced to pay XXXX to cover the remaining fees owed and continued with my rental extention. During the month of XXXX things got worse. I continued seeing debits from XXXX but was surprised one tuesday when my debit card was declined while at work. I had {$1100.00} that morning in my account and it was suddenly all gone. XXXX had debited the card and taken all the money which included some transactions dated from the prior month. I immediately transferred money from my XXXX daily pay into my account and contacted both XXXX and BOA. XXXX transfered me to financial services and told me I needed to return the vehicle because they weren't receiving payments from me and referred me to BOA. BOA told me I had to speak to XXXX because XXXX had a particular billing process that may have led to the issue. Round and round I went with no resolution, filed an investigation with BOA and nothing was resolve. I returned the car, paid for what I owed at the time and went about my business. About three weeks later while trying to pump gas my debit card declined again. I called BOA and they told me my account was over {$2000.00} negative because of a bulk charge posted to my account from XXXX and that they paid it on my behalf. I was furious. Of course BOA referred me back to XXXX who stated that they had charged me the money because they hadn't received any of my payments from my XXXX car rental. Flabbergasted and confused since I personally talked to them and BOA multiple times in XXXX, I needed clarification on how my money was being deducted from my account from XXXX ( or XXXX XXXX ) yet they didn't receive any of it!!?? Bank said its XXXX fault, XXXX said it's the banks fault. As far as up to 2 mo after my rental, I still had debit chages coming through from XXXX. Total grew to about {$3500.00} with overdraft insufficient funds charges. 6 months have passed since then and still no clarity on the situating and my account is closed with a negative $ XXXX balance. For context and the reason for my complaint, this ruined my rental opportunities because of the loss of my debit card/account and in that 3-4 mo time frame with XXXX/BOA I made {$21.00} XXXX XXXX ( majority, if not all of it directly debited to BOA ) and by the beginning of XXXX I was XXXX and negative $ XXXX!!! How is it possible that XXXX didn't recieve any money when I personally witnessed the transactions process in my account every week? How is that possible and where did the money go? Bank statement showed that it was going to XXXX but if they didn't recieve it at XXXX then where did it go? Were those fake XXXX transactions and was it stolen? Is XXXX lying and was I double billed? Is BOA lying? Who's to blame? It took just 2 months for BOA/XXXX to ruin everything for me. The XXXX, stress, anger and hardship this situation caused me and my family is beyond measure and knowing there will probably never be any resolution is the most hurtful feeling. I was treated by both companies like I was ignorant, clueless and annoying for constantly calling. All I was trying to do was rectify this situation to protect my account, protect my money and continue to use my rental so I can work. I can never see myself stepping into a XXXX rental facility ever again and I've spoken to literally thousands people since this debacle and everyone hears about this story. BOA is a joke cause they never cared enough to do a thorough investigation ( and were quite rude about the whole situation ) and XXXX employees have zero compassion for the customer. Trust me, I have almost 20 years in customer service sales and never in my life would I have treated my customers this way. It's disheartening, sad and in a way feels criminal the way this all went down!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92602
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX I was involved in a romance scam that BOA allowed monies to be deposited in my account and that money was transferred out to the scammer and then my account was charged $ XXXX and now I've received a XXXX 1099 C that I owe a write off for $ XXXX. When this happened I went to the police because BOA said that was needed. My account was cleaned out XXXX I had in there plus the amount they added of XXXX. I tried contacting Bank of America and asking but they don't respond other than trying to do collections. Bank of America didn't help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78541
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: Beginning XX/XX/year> I applied for a home equity line with Bank of America. Sent all pertinent documents. On XXXX XXXX I received an appraisal for my home for {$470.00}. On. XX/XX/XXXX I received a letter stating sorry we can not approve your home equity line. I have a Bank of America credit card with a {$23000.00} credit limit I have been a customer with Bank of America for 18 years. I called the bank requesting an explanation for refusal of credit and was toldI would have to have assets in the amount of {$1.00} XXXX. If I would have XXXX XXXX in assets I would not need a home equity line. I am XXXX years old, pay my bills on time, have excellent credit. This is insulting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92057
Submitted Via: Web
Date Sent: 2024-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Provided a complaint in writing and requested a written response. Bank of America will not respond to my complaint in writing, they refuse. There is no way to know how many complaints they receive if they fail to document receipt of complaints and responses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Other transaction problem
Subissue:
Consumer Complaint: On Thursday XX/XX/XXXX I sent a XXXX transfer of {$2900.00}. The transaction immediately stated pending review and the funds were removed from my checking account balance. I received a email on Thursday XX/XX/XXXX of the pending review and immediately contacted Bank of America on XX/XX/XXXX to see what is going on and If I can provide any additional information that could speed up the review to assist with my XXXX transfer completing. When I contacted on XX/XX/XXXX I was told there is no information needed from me at that time since the email didnt say to contact them. On the morning on XX/XX/XXXX Friday at XXXX XXXX I received a email stating to contact Bank of America regarding the transaction with a case ID in the email. I contacted them on XX/XX/XXXX at XXXX XXXX and spoke with someone and provided them all of the information requested and let them know the urgency of the request as it relates to my Wedding. They let me know that they can not provide a timeline but that most likely within 2 business days this should get resolved. Today Monday XX/XX/XXXX, I contacted the same phone number and spoke with someone named XXXX who was rude and unprofessional speaking over me on the phone and requested an update and he responded saying that today is the first business day this case has passed and that there is no update and I requested to speak to a supervisor and was connected to XXXX who stated that there is no escalation path to expedite the review of this transaction, and that there is no way to intervene for a customer to escalate the delay or expedite in any way. I also would like to mention this transaction review was initiated by Bank of America over XXXX discrimination due to not understanding the language written in the comments of the XXXX transaction which was in XXXX written with XXXX letters, where as my transactions with comments in XXXX written in XXXX get transferred immediately, but in this case due to it being written in another language the transfer is now being reviewed. This situation does bare resemblance to the case CFPB handled with the discrimination of XXXX Americans by XXXX that was announced by CFPB in XXXX, and this is unacceptable on part of Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A