Date Received: 2023-07-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I have not used my Bank of America credit card since XXXX of XXXX, nearly XXXX years. The reason is simple : when I navigate to the Bank of America website -- or use its banking app on my XXXX -- I can not determine whether the auto-pay feature is activated. I have contacted Bank of America numerous times to point out this shortfall, and have indicated that I will not use my credit card until they revise their online portals to indicate CLEARLY whether auto-pay is activated. I have switched to XXXX and XXXX credit cards -- charging up to {$10000.00} per month -- because their websites and apps indicate clearly whether auto-pay is activated. Similarly, I have discouraged my wife, son, and daughter from using their Bank of America credit cards. An objective observer would conclude that Bank of America conceals this information because their business model depends on customers missing payments and accruing interest payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 065XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
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: XXXX XXXX Account # XXXX XXXX XXXX-ending in XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. XXXX XX/XX/XXXX Bank In Question : Bank Of America XXXX for BOA : XXXX XXXX XXXX XXXX. XXXX, NC XXXX Dear CFPB I am writing this complaint letter to report BofA of fraud and deception. On XX/XX/XXXX I scheduled a visit to XXXX XXXX in XXXX, Tx. Later, that evening I noticed there were ( 2 ) made up charges ( MOC charges ) on my BofA account. One from XXXX XXXX XXXX and one from XXXXXXXX XXXX- XXXX XXXX. The 2 separate charges were {$290.00} apiece. This transaction totaled to {$580.00}. XXXX XXXX has a policy that does not allow them to charge anything until check-in. And they have a cancellation policy, that gives the consumer XXXX hours before check-in to cancel. These MOC charges happen the day of scheduling and have no bearings with the cancellation policy. The next day the MOC charges were no longer on my account information. But sadly, the money was not accounted for. The {$580.00} was still not accounted for in my account. On XX/XX/XXXX I had a live chat with BofA @ approximately XXXX XXXX with a representative name XXXX. This was held over the BofA app. The representative just explained that she couldnt see the charges anymore. Later the same day I called BofA to explain the situation. I talked to a rep over the phone, and she explained she couldnt see the charges but was willing to help me with the overdraft fees that this situation caused. So, in short if I wouldnt have said anything I would have been out {$580.00} and {$40.00} of overdraft fees. The {$580.00} has not been replaced or explained. BofA has performed a highly intelligent way to steal money from me as a consumer. And sadly, to say this is still going on this day. The accounting issues and money not accounted for very well seem to range from XXXX XXXX {$300.00} at each event. As of today XX/XX/XXXX, I feel and know that they are being dishonest, fraudulent, and deceptive with my account. Personally, I am trying to take snap shots of my account as much as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77545
Submitted Via: Web
Date Sent: 2023-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Yes hi my name is XXXX XXXX and bank. I was recently a Bank of America, client and the bank close my account without any knowledge of me. XXXX and I got funds that are gon na be going into that account on XXXX XXXX for XXXX and then I have my XXXX Social Security XXXX check that will be going in on XX/XX/2023 and I need access to the funds immediately to be able to pay my bills and things that I had to sell and the bank is saying that I wont have access to reading funds until probably the end of XXXX or beginning of XXXX and I can not go that long so I will please like you to help me get my funds reimbursed then and help me get access to my flaims The metet Great ouwes soon as they going to the account please its an emergency I have to pay my bills
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
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: 2023-07-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have made countless attempts to resolve this issue with Bank of America. I have explained to them that the account was created without my knowledge and consent and I demand for it to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33162
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a new credit card, new account opened, in the mail without my consent from Bank Of America ( BOA ). I called BOA and inquired about the card they sent. I informed them that i closed out my account about a year to a year and a half ago. They confirmed that the old account was closed. I inquired about how it was, that I was issued a new card, with a new account without applying for a new card, and they did not have answer for me. I also asked the to confirm the last XXXX digit on file of the new account and they replied with XXXX, which matched the card they sent me. I asked about when the new card was issued, I believed they said XX/XX/2023. I asked that they close the account, since I did not apply for a new card/account. Will this affect my credit score, since there was a new account created by them and me closing it out shortly after the account was created? 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: HI
Zip: 96797
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Bank of America account was hacked for over {$4000.00} and they didnt honor the discrepancy or put the money back in the account instead they made me- {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of America credit card In the past I set up automatic pay for monthly statements. Somehow the automatic payment wasnt processed. Then I immediately manually paid it. So the credit card take XXXX days to finish the process and charge me the late fee and excessive interest fee. This is exactly the fine the US government fined BOA for XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Two fake accounts opened in my name XX/XX/XXXX. XXXX XXXX XXXX mileage plan. Charged {$75.00} dollars by bank to open accounts that I DID NOT OPEN. Have made multiple phone calls, trips to three different Bank of Americas, filed a claim, that was faxed by B o A. No one responded to faxed claim. The employees at all three B o A denied the ability to help me, including the manager at one of them. One person deleted the {$75.00} dollars but would not help me otherwise. I have sent several request for information on how accounts opened. No response. The one thing that did happen was a " soft '' inquiry on my credit line by B o A after one of my several trips to the bank for help. I have XXXX protection and they notified me. Please help me. Have been with B o A since 1978. Am now in process of closing this long time account, which has caused many more hours of work with auto pay accounts, and transferring to another account, and personal visits to establish auto pay with places like XXXX, water company, sewer company, telephone company, computer company and any one else we do business with. Have filed police reports, notified Postmaster General and as many places that were recommended
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A