Date Received: 2023-07-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I deposited XXXX check and taken 45 days to even release certain funds at certain times all of a sudden they close my account when I had almost {$15000.00} in it and they never told me anything about it and they just take my money and I want my money back it's not right
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had a car loan with Bank of America in XX/XX/XXXX and fell behind payments for several months due to illness. I called Bank of America in XX/XX/XXXX to requested car loan extension but got declined. They repo the car in XX/XX/XXXX. After that I never heard anything from them. The loan account info is no longer available on my online app ( that where I get the info from ). I never received any letter or phone called about the car loan debt and what they did with the car. Because I was home less and no job due to health issues. I made some money from XXXX XXXX XXXX on XX/XX/XXXX. Money deposited into my account on the XX/XX/XXXX and then Bank of America illegally took {$10000.00} from my account on XX/XX/XXXX without my consent. Because I never received any explaining letter, email, phone calls about the debt collection after they repo the car. The debt information is never available on online app for me to see. I talked to them on the morning of XX/XX/XXXX and asked them to return my money but they declined. Its illegal to take my money without my knowledge about the debt. I dont know how much they sold the car and how much I still owe them because I never received letter, email, phone calls or online app. I dont have a home that is why I cant receive the letter, I changed my phone number but I was updated on online app. They should send me an emails or provide the info on online app so I can see them and make an arrangement to repay. Its illegal to take money from me without my knowledge or consent. Please return my money and info me how much I owed and I can make arrangements to repay. Thank you XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93063
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: About 5 years ago I applied for a Credit Card XXXX Bank of America because they had a promotion going on for a Bonus after meeting the minimum spend amount. But Bank of America didn't honor that promotion for my account. I tried finding a solution with the bank 's Customer Service but they still denied the promised Bonus. The Bonus amount advertised was for {$200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94603
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Bank of America is not allowing me access to my money in my account and is closing my account. Because I have XXXX and couldn't figure out how to use the online banking app.Bank of America is closing my account in my opinion because of prejudice. The way they spoke with me. Bank of America claims that they are sending my remaining funds to my address? I can't contact them about this. Help me get my money out of the bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: On XX/XX/2023 I sent an email to XXXX disputing debts in letters from XXXX XXXX XXXX dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying XXXX XXXX XXXX was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from XXXX XXXX XXXX in an attempt to verify the debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/2023 I sent an email to XXXX disputing debts in letters from XXXX XXXX XXXXXXXX dated XX/XX/2023 and XX/XX/2023. In that email I asked them to verify the debt and to stop contacting me. On XX/XX/2023, I was served an Original Notice for one of these alleged debts saying XXXX XXXX XXXXXXXX was suing me in XXXX XXXX, Iowa XXXX XXXX XXXX. On XX/XX/2023, I received a packet in the mail from XXXXXXXX XXXX XXXXXXXX in an attempt to verify the debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 515XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To whom it may concern my name is XXXX XXXX I am former Bank of America custor after 17 years continuing & financial services needs. It begins in XXXX of XXXX unexpectedly I received a phone call from a customer care Agent stating that my account compromised It was informed that a new account been set up. If I need my new account information I need to come to nearest Branch. Account already set up to complete the opening new account My new account. The same activity continued for next 2 years Each time I was told the same thing always no explanation since BOFA would not helping me I choose to look in to it myself. XX/XX/XXXX BofA called as expected with the same story Account compromised new account already opened local branch to complete account set up. This time I made sure to ask direct questions To maybe understand better situation I was told nothing going on or taking out of my compromised account The account been frozen with XXXX XXXX XXXX Knowing BOFA will call I had been picking up My statement from local branch On XX/XX/XXXX I obtained a statement from BOFA To see what's going on with my account After I was told my account was frozen It was 10 debits & credits & 46 withdrawals With in 12 hrs on the next statements It was 46 deposit credits and 151 withdrawals And {$910.00} XXXX pending and credit hold XXXX on XX/XX/XXXX the freeze was removed Activity with creditors I was told I need pay Anyone who was not been paid to account ending with XXXX And money will be transferred to my new account The money I paid they we're charged to my frozen account and money never been transferred to my new account. All transactions I have included on statements I have attached with this email. BofA gave no explanation.I went to severely banks trying to find answers. I was lucky enough to find a lady that wanted to assist me. She did her best to try to figure out what was going on. She spoke with me for a good 10 mins trying to see what was Going on she wasn't able to to assist me because The BOFA noted to my account phone number I need to call whenever I need a help with to my account the risk department phone number is XXXX XXXX XXXX. And she gave me account number The BOFA Closed with funds in it # XXXX XXXX XXXX XXXX I'm attaching the card she gave me with this email also. She was quickly called by the manager she can No longer assist me. For several weeks been contacted BOFA I was told that BOFA decides not to do business with me anymore they're will mail me a cashier 's check for my funds was remain in My Accounts with no explanation at all I reviewed lettera from BOFA that my accounts Will be closed on XX/XX/XXXX and BOFA will mail me a cashier 's check. I waited for a month I didn't receive any check I went back to BOFA XXXX XX/XX/XXXX I asked BOFA Statements I find out my accounts never was closed there's Grant I was given by SBA went through.to the account was frozen since XX/XX/XXXX and closed XX/XX/XXXX I filled complaint to FDIC and I was told to contact CFPB Till to today 's date I have no idea The reason my account was closed I'm trying to understand why the Bank of America panelized me to my account with my Funds I have lost everything because of BOfA I'm hurt and lost I don't know what to do Anymore. In correspondence from BOFA it is clear BOFA is dishonest about information being disclosed. The XX/XX/XXXX account XXXX subsequently Was closed on XX/XX/XXXX with XXXX balance Then clearly stated next paragraph account closed again XX/XX/XXXX with negative of {$560.00} also I all documents needed are Attached with this email if you need Anything else please please let me know Thanks God Bless. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: 75062
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have filed a dispute with Bank of America and the credit bureaus, I have never had a credit card with bank of America. Also how did a credit card with a XXXX limit end up being over {$6300.00}? This is not my account and was opened and used in id theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 936XX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XXXX of 2023 I discovered that a checking account was fraudulently issued to me by Bank Of America. I am not nor have a ever been a BOA customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48601
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I applied for a 0 % interest card with Bank of America ending XXXX. They denied the application. Then a few days later I received a text that the account was approved. After the account was approved, I activated the card and they put an immediate fraud hold on the account. I called the fraud center and they removed it. I attempted to use the card and they put a second fraud hold on the account. I called again and was told I needed to go into a banking center. I went to a banking center and was told that I would have to return with an appointment. I made and appointment and returned. I was there for 30 minutes. The took 2 forms of ID, personal information and verified me on the app. They removed the fraud hold. A few days later I attempted to complete a balance transfer and received an email that it was rejected and I needed to call. I called and completed the same balance transfer again.I asked for the reason for the rejection and there was none. I received the disclosures from the representative, listed to them in an audio recording, and verified the transfer several times while being recorded. I received a confirmation that the balance transfer was submitted. The next day I received an email that the balance transfer was not completed. I called and there was another fraud hold on the account. Then they transferred me to the fraud department who once again insisted that I needed to go into a branch ... for the third time in a week. When I asked why, they stated that they had no record of me being in the branch. I was in the branch for about 30 minutes and they verified my account in several ways including two forms of ID and through a code sent to my cell phone. I was again told Bank of America had no record of this. I immediately asked to speak to a supervisor. I was put on hold and then suddenly the fraud alert was removed and I was told to call the balance transfers department again. I am currently on the phone with the balance transfer department. They just informed me that I need to call the fraud department. In essence, I have a card offer that can not be used and the time to complete the balance transfers for 0 % is ticking. There is nothing I can do to remove the fraud hold or use the card. I would not have applied for this card if I was aware that I would never be able to use it at the promotional rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A