Date Received: 2023-08-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I was out of the country from XX/XX/XXXX to XX/XX/XXXX for my wedding. I was unaware of any balance owed on my card during this time. I was alerted of being 30+ days late through one of my credit monitoring accounts. As soon as I was warned, I contacted Bank of America immediately and paid off the balance in full. The rep I was speaking with informed me that it was reported to my credit and that theyd place a request to remove this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 2 Months Ago, I filed a claim to BOA ( Bank of America ) that I did not recognize. The transactions were happening in XXXX California, while I was heading down to Texas ( im including time stamps of me driving down ) of the amount {$4300.00}, was taken out of my account consecutively. Starting on XX/XX/XXXX under the transaction name of BKOFAMERICA ATM # XXXX XXXX WITHDRWL XXXX XXXX XXXX CA '' of the amount starting off with {$300.00} almost everyday was taken out of my bank until XX/XX/XXXX of {$300.00}. Claim # 1 : XXXX Filed onXX/XX/23. They denied me first on XX/XX/2023. They said charges were issued and authorized or gave permission to authorize, when I didnt. The card was sent to my mothers house and I didnt even activate it yet, but someone was withdrawing {$300.00} a day out of my account. They suggested scammers used cybersecurity breaches to get ahold of my account. With it being compromised. I just reopened the claim today XX/XX/XXXX, and if they deny again then im going to file a police report suggested by my attorney, and create a letter explaining why Im not happy with the denial. Currently waiting on the re-opening approval. An agent under the the consumer information bureau name XXXX XXXX told me the same happened to her for when she was in New York and when the withdraw happened, the bank did not approve her either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: It has been an absolute nightmare trying to use Bank of AmericaXXXX credit card while traveling abroad. I let them know I would be gone for several months, but my card was still flagged and frozen, and the only option to continue using it is to travel hundreds or thousands of miles to the the nearest physical location despite multiple calls, offering to answer security questions, offering to have a family member take copies of my passport into an office, despite having access to all of the account contact methods ( phone, email, physical address ). It is absolutely ridiculous to have such customer service in the XXXX century.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 611XX
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A debt from Bank of America that was sent to collections for the amount {$3400.00}. I previously set up a payment plan with them where they were withdrawing {$20.00} a week from a previous Bank of America Checking account. Then they ended up closing my bank of America checking account without providing reason. The debt was then sent to collections. Upon trying to validate the debt directly they were not able to send me any information. Upon multiple attempts to contact them for previous bank statements on XX/XX/2023 and on XX/XX/2023 and several days later I received a statement stating that my balance was {$0.00} and no last made payments. This same situation happened with another Credit card debt that was sent to collections for the amount of {$5800.00}. I set up a payment plan to make payments of {$50.00} a week from that same checking account which was later closed. These accounts were both paid it should be removed from reporting as a debt and from reporting on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10454
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX I discovered several fraudulent inquiries on my credit report that I did not authorize : Bank Of America XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Bank XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XX/XX/2023, I applied online for a line of credit. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B by denying me and further discouraging me from applying for an extension of my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A bank account was opened in my name on XX/XX/2023. Also a debit card was issued in my name and sent tomy home address. I never opened up an account not applied for a BOA account. I called the fraud department and got the account canceled. They informed me to get credit monitor or locked to prevent further fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21208
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: A few years ago I made a purchase with my Bank of America card that offered 3 % back for online purchases. I checked the list of retailers and types of purchases that would or would not be covered prior to my purchase. The merchant I ordered from ( XXXX ) appeared to qualify. When I did not receive the 3 % back, I inquired with BOA and they confirmed there seemed to be no reason I would not receive the 3 % back. However, they further informed me there was nothing I could do to receive the promised credit. I asked if as a courtesy I could receive the credit. They said " no. '' I further asked in the future how I could determine if I would receive or not receive this credit. They told me besides looking at the list ( which did not work in my case ) there was nothing else I could do. I subsequently stopped using this card. I am aware BOA has been ordered to pay {$100.00} million to customers for illegal actions including " withholding reward bonuses explicitly promised to credit card customers. '' Regarding this purchase of {$200.00} on XX/XX/2019, BOA owes me {$6.00}. Note : This is almost 5 years ago and if I remembered the wrong purchase, I encourage BOA to look into my account and find the correct date and amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11225
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XXXXXXXX XXXX, I went to finance a auto at a dealership. I was already pre-approved from a certain lender, however, the dealership ran my application to other lenders. Bank of America Auto finance was one of them. Bank of America immediately denied an extension of my credit. This is 2 violations of ECOA / Regulation B, by denying me and further discouraging me from applying for an extension of my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America has closed my account later than requested and they are reporting wrong balance which is not even mine. I asked them to close the card but they did not and someone ended up doing fraud on that account still Bank of America is not taking action as the account and balance are not mine. Total Reporting as XXXX dollars when even card limit shows to be XXXX so I don't understand why they are not budging as the account is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90703
Submitted Via: Web
Date Sent: 2023-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A