BANK OF AMERICA, NATIONAL ASSOCIATION


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"Products" offered by BANK OF AMERICA, NATIONAL ASSOCIATION with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Debt or credit management - Mortgage modification or foreclosure avoid
Debt or credit management - Student loan debt relief
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Debt settlement
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Pawn loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - ID prepaid card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 7337064

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


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Complaint ID: 7337051

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


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Complaint ID: 7336697

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


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Complaint ID: 7336470

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


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Complaint ID: 7336464

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


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Complaint ID: 7336182

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


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Complaint ID: 7336180

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


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Complaint ID: 7336179

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


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Complaint ID: 7336145

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


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Complaint ID: 7336103

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


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.