Date Received: 2023-07-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Hi so I received a Bank of America EDD card about 2 years ago and I filed for identity fraud and filed a claim for {$8000.00} something hot dollars and another one for {$2000.00} something dollars and it's been 2 years now and it's still being investigated without any provisional credit or anything I believe something should have been done by now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93033
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I used my credit card according to congress pursuant to 15 usc 1602 ( L ) I applied for a accepted credit card pursuant to 15 usc 1602 ( M ) I have been making consistent payments with my card for the past 2 years. I recently applied for an extention of my credit because credit is my right according to congress 15 usc 1602 ( f ). i was denied which is a violation of ECOA. It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transactionbecause the applicant has in good faith exercised any right under this chapter. That chapter is consumer credit protection chapter 41 under title 15. The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. The Consumer Financial Protection Bureau ( CFPB ) states that credit reporting is optional. 15 usc 1602 ( p ) makes it clear that a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 15 usc 1691 ( a ) ( 3 ) makes it clear that i can not be denied by exercising my rights how do you continue to let these companies violate consumers rights. I would like my account to be restored and my extension of my credit returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95691
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, my checking account was charged $ XXXX at XXXX XXXX that I did not make or verify. I called the same day to file a claim and was told because it was a chip on chip transaction I might not get it. Which is just XXXX because I didnt spend the money. On XX/XX/XXXX, I got a temporary credit reversal for $ XXXX. Life goes on and nothing happens until XX/XX/XXXX, $ XXXX was taken from my account. I have called 3 times and everything said that there is pretty much nothing they can do. Only one of the customer service workers said i should have received an email from Bank of America telling me when they were going to take that money back. I NEVER GOT IT. Now it is XX/XX/XXXX and I am still negative {$240.00} dollars and have been since then. I have missed payments, can not afford groceries, and have been strapped yet nothing has been done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: A unauthorized/Scam deposit happened it wasnt meh but they closed my account with no reason given it was nothing but a minus XXXX dollars on there an it was near when I get my check an I was trying to login an find out that my account was locked currently an I called them an they said it was locked or whatever trying to call them about three times they gave meh different reasons one said wait on Monday an the other said that the account was frozen but didnt know the reason an the other said that the account was frozen due to the deposit an the other was like the account is closed an I cant d on nothing about it which is really bad for meh because I have bills to pay..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a ck acct w/ the Bank of America . I continue to be assessed a " check image fee. '' I have never asked for or authorized that ck images be included with my monthly statement. The fee appears about every six months. I waste my time in call BofA customer service to reverse and halt the fee. I advise I do not want the fee in the future. But, about every six months it shows up again. I believe this is a fraudulent scheme by BofA to increase revenue from fees. Surely, BofA has the capability to permanently turn off this fee in my acct. Their failure to do so indicates this is an intentional act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85718
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I was robbed of {$6900.00} by Bank of America with unauthorized charges and overdraft fees due to them. I would like to be reimbursed and letter of apology. I went from XX/XX/2022- XX/XX/2022 to 3 appointments inside bank, just to be led a long with the same enticing assurance that I would get a resolution within 10 business days, by 3 associates of different origin 2 females, ( Manager of bank, being 1 of 2 ) and a male. I lost my home and car due to this unfortunate incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 716XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
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: I told my bank I was scammed but they said there was not proof, if someone else taking my money, I was scare to share what happen, because was scare by the person who scammed, saying it was an investment. The manager number is XXXX ( XXXX ) XXXX He contacted me, saying to send XXXX so I can get my money back, they stole XXXX from me but the bank couldnt get it, XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Since starting my card with Bank of America I have not received the rewards points that were promised per the promotions available when signing up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I HAVE PROBLEMS WITH BANK OF AMERICA SOMEONE MADE A FRAUD WITH MY DEBIT CARD AND FRAUDED ME WITH {$4500.00} I MADE A CLAIM TO THE BANK AND THEY AS IF NOTHING TELL ME THERE WAS NO FRAUD AND THEY KEEP ALL MY MONEY, I MADE A COMPLAINT AGAIN TO THAT THEY INVESTIGATE I WILL MAKE A COMPLAINT TO THE POLICE DEPARTMENT, I NEED HELP TO RECOVER MY MONEY. CLAIM ID # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07501
Submitted Via: Web
Date Sent: 2023-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have notified chime and also been notified by emails as well of my SSN, dob and personal information has been use on two bank accounts that's is FDIC insured with the government. The name of the bank I'm with is XXXX. I'm not sure how my information was use on XXXX different banks but my account is under my Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Now this other account I don't have the phone number right away but it is on the XXXX XXXX works account or check free score which shows many records of multiple things of my information being use. I filed a federal trade commission and consumer financial report as well. I am a gold metal olympican of XXXX '. I filed a complaint with XXXX XXXX and XXXX XXXX for himself of being the first as right now. I have not heard anything back. I did filed a mandamus petition in XXXX XXXX ga courts for a criminal case XX/XX/XXXX which was filed on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX I'm not sure why my first offender isn't there anymore but I do know chime open XX/XX/XXXX. The same month chime open and I taken my conviction in XXXX XXXX XXXX not sure if it has anything to do with that XXXX XXXX investigation but I don't think it's fair for me as a young XXXX entrepreneur from XXXX MI trying to do what's right. I'm a Olympican gold metals of XXXX ' in XXXX for basketball and I want something to be done about this Lawyer XXXX XXXX XXXX XXXX Ga I been having a hard time opening cd accounts brokerage trade account and etcs
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 318XX
Submitted Via: Web
Date Sent: 2023-07-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A