Date Received: 2023-07-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Got XXXX unauthorized transactions from Bank of America debit card through XXXX : XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX XXXX ( XXXX dollars XX/XX/XXXX ( XXXX dollars I didn't even register for XXXX. Remind employees said they are the third party merchants so they refuse to refund me. Bank of America refunds me with the first one but marked the other two claims as " claim not paid '' reported to both the FDIC and the identitytheft department
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I started an account and had every intention of using the account. My other accounts have XXXX figures in them. About XXXX months ago I started receiving {$25.00} fees on the account. When I called in 60 days ago the representative told me that she fixed this for me, I would not receive any more fees and credited me back the {$50.00}. Now I have received those fees again and they are refusing to credit me back those fees. Call XXXX XXXX, XXXX told me that he assumed I was given proper counseling to avoid this situation and that is incorrect. I have been with Bank of America since the XXXX 's and I can not believe I am being treated this way, especially by a member of management. Being in customer service myself I know that they are better than this as I have never had poor service like this in the past. I am requesting that the {$50.00} be credited back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX I sold my sister 's car to XXXX XXXX for {$3500.00} via XXXX which she transferred to her name at NJ XXXX on XXXX. On XXXX XXXX I received an email from XXXX saying I had lost a dispute which I didn't know I had because the transaction was not covered under XXXX XXXX XXXX. ( see attached ). I called XXXX several times over the next several days to try to get some understanding and resolution. According to XXXX, XXXX XXXX notified her bank XXXX Bank of America ) that the transaction was unauthorized and requested a charge back which XXXX sent causing my account to go negative. I explained to XXXX about the car sale and sent them the Bill of Sale ( see attached ) but they said it was out of their hands because it was not an internal XXXX dispute but a charge back request for and unauthorized transaction in XXXX XXXX name from BofA. XXXX XXXX said she told both XXXX and BofA that she had authorized the transaction and was not asking for her money back. She said her BofA account was hacked about 2 days before this happened to me. She said BofA closed her account due to suspicious activity so she no longer has an account there and they will not give her any information. XXXX says they can't help me and XXXX XXXX will not speak to me because I am not a customer of theirs. I'd really like to get my money back!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92064
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: my account is on hold and closed with bank of america with over {$7000.00} in it i have reached out to bank of america benefits card holder several times the hold was because of an identity issue with was resolve with the department of maryland unemployment my identity is verified i no longer have a hol with unemployment habe been expressing this issue to bank of america over XXXX times and they still will not release my funds in the closed acount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44137
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My debit card is also a credit card I keep getting overdraft fee late payment fee XXXXevery month I never signed for credit card only debit card from bank of America my income and spending and beganing and ending balance don't match my online statement every month in XXXX I was overdrafted and charged XXXXdollars overdraft fees.my monthly ending balance is not applyed to next months beganing balance for 2years now I have been loosing money with bank of America insufficient fund every month in XXXXand late XXXXthere are 31computer generated checks from XXXX XXXX payday loan all XXXX by bank of America XXXX dollars each paid from my account all 31.overdraft XXXX dollars each paid then overdraft I never signed for overdraft protection.bank of America has charged my account for many reason I have received a couple refunds because of fraud to my account by bank of America I have most of evidence to show fraud by 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: 92110
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My social media was hacked, and my XXXX was hacked as well. My Bank of America account was connected to my XXXX at the time and the my personal information was compromised. I then in return tried to go through the merchant ( XXXX XXXX ) to get my money back and after months of no progress, I went through my bank. I was told false information, repeatedly and Bank of America broke, rules and regulations by not following guidelines with their policies, which in return lead to unethical practices and they should be held accountable for lying on noted documents and to the customer ( ME ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have had a business checking account with Bank of America for year with no fees. Without notice I was charged $ XXXX. As I had never had fees before, I didn't see this fee until 4 months in. As I didn't have a a high balance, B of A stole over 25 % of my balance. B of A would only credit one month, leaving me on the hook for almost {$90.00} in junk fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Hello there I got a credit card from Bank of America in 2017 and I was paying regularly all the payments until I lost my job at the time of Covid and I stopped paying for the reason that the bank itself does not reduce the payments that I was paying in all my payments for example I paid more than seventy percent of the borrowed amount and I did not get Except in installments of the same value, as if I had not paid anything, and for this reason I stopped paying them. I hope you study these types of problems with Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60091
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XX/XX/2023 at XXXX Am I deposite a {$6000.00} cash all $ XXXX bill in ATM OF XXXX XXXX XXXX XXXX XXXX ATM number is XXXX. ATM message appeard said we are unable to return your cash and receipt of {$300.00} printed out. I called the number written in ATM XXXX, and reported the issue and file claim number : XXXX. Bank saiyng it take XXXX to XXXX business days to resolve claim. I dont blive bank have the right to hold my cash deposite for that long time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94066
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 I filed a dispute with Bank of America in the amount of {$400.00} for a charge that I made with my Bank of America debit card ( ending in XXXX ) to a merchant ( XXXX XXXX ) for goods and services that have not been delivered or performed. I have followed the guidelines provided by the Consumer Financial Protection Bureau, Federal Trade Commission and the State of Georgia Attorney General 's office of Consumer Affairs in their guidelines to attempt to recoup the {$400.00} paid to the merchant which includes : 1. a failed attempted negotiation with the merchant for recoup of funds or delivery of the goods ; 2. disputing the {$400.00} transaction with my bank , Bank of America . However, as of the date of this complaint I have ye t to receive a satisfactory result which would be Bank of America supporting my dispute and restoring the {$400.00} funds to my account. I am disappointed and dismayed at the lack of action on the part of Bank of America in support of me as their consumer, especially in light of the deceptive consumer practices recently attributed to Bank of America. I would think that BoA would want to restore the trust of consumers rather than further eroding that trust. I am respectfully requesting that the {$400.00} be restored to me, forthwith. I have provided and proven to Bank of America that the merchant failed to satisfy the terms for this transaction. In addition, BoA has placed the burden of proof on me as their customer, when instead it should have been the merchant providing proof of the satisfaction and delivery of these goods and services that I paid for, which the merchant can not, and will not, be able to show. If the {$400.00} is not restored to my Bank of America account, I will be withdrawing the remainder of my funds and taking my banking business elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A