Date Received: 2024-01-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Bank Of america is reporting me a latte payment in my credit report when was not latte, bank of america must to provide me it is right on XXXX and XXXX/ 2022 if not must to change this ustatus from Close / latte to Close/ never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33157
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: To recap the events from XX/XX/2023 to now, in XXXX, a fraudulent check in the amount of $ was deposited into my checking account by perpetrators. The funds were then tried to be withdrawn by the perpetrators, which resulted in my account being frozen. I contacted customer service as I tried to log into my account via mobile app and saw my account no longer existed. I then was told a fraudulent check was deposited into my account. I couldnt believe or understand HOW this could have happened. My phone was indeed stolen before with my bank information present as well as my card which at the time I thought was misplaced. I was told my case was under investigation and would be resolved within 30 days repeatedly. I was told the fraud claim was closed and that I would receive MY funds in my account back. I called repeatedly & again on XX/XX/XXXX and was told there was no update, that my funds were still frozen but the representative said a work order would be sent to the internal office to request my funds to be returned. On XX/XX/XXXX, I called and spoke with another representative, which then put in another request for my funds to be returned and she asked me to call back for an update. I called again on XX/XX/XXXX and was advised to call the XXXX XXXX because of the XXXX XXXX XXXX report filed by BoA. I was asked to dispute both the XXXX XXXX and BoA ( which was already done ) and to file a police report. I filed a police report then. I then was told to contact the fraud department in XXXX, FL. I spoke with 2-3 people to resolve my issue. They ghosted me and continued to not help me when I complained repeatedly about my name being on XXXX and XXXX XXXX XXXX which prevents me from opening ANY bank account OR credit card. One of them finally got back to me and removed my name from XXXX but not first warning. So currently, im still unable to get ahold of any bofa representative I have talked to for help, nor am I able to open any account. I am not responsible for the fraudulent actions and desperately need help to have my name removed. Please help me. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21222
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX I noticed a {$12.00} service fee was taken out of our account, went to the branch, and spoke with XXXX XXXX President : XXXX XXXX XXXX, who closed the account and advised that I would receive the service fee back, but a form needed to be submitted by her, on XXXX sent in for review on XXXX I received an e-mail " review that was done and was approved for reimbursement. XXXX. The branch visit was advised that it would be in the form of a check. On XXXX Branch visit, XXXX requested that I send her the e-mail which I did. On XXXX. Branch visit was told I would get a phone call, never received it. On XXXX left a VM for XXXX to call. On XXXX another VM On XXXX call to customer service was put on hold and I was advised I should contact the Branch. On XXXX Branch manager submitted a form to reopen to receive the {$12.00} to be applied to the account. On XXXX received a call from XXXX stating, " She'll look into it again and talk with her manager and get back to me on XXXX. On XXXX sent an e-mail to XXXX requesting an update. XXXX received a phone call from XXXX working on it but she doesn't feel her manager will approve it and that should file a complaint. All along XXXX advised me that it should not have happened and it was the principle of it. My account had a very large sum in it for years. Due to many bank errors that had to be corrected after I informed them, I decided to withdraw on the advice of XXXX, still showing the {$12.00} fee that should have been reimbursed to me. As per insutruction, I from the Federal Reserve faxed the approval from B of A along with the B of A form Account Maintenance completed by XXXX dated XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called BofA because they erroneously denied my wellness incentive from XXXX. XXXX does not require any documentation for the reimbursement. They told me the issue would be resolved by now previously. However I looked on my account and there is a negative balance on my account. I called back, they put me on hold forever, then the agent hung up on me almost immediately once i did get through because it took a couple seconds for me to get off mute - i guess they thought it was a false call. There is no way to contact the bank electronically. The chatbot is an XXXX XXXX and can not resolve issues. there is no email. This makes it virtually impossible to resolve issues and access my funds. This is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: -An unapproved transaction was made on XX/XX/XXXX to merchant called " XXXX XXXX XXXX '' in XXXX XXXX FL for {$80.00} on my Bank of America credit card -PDF of transaction receipt on Bank of America website shows no item description, no seller information, and an invalid merchant website -I have been in XXXX, XXXX XXXX since XX/XX/XXXX ; previous approved transactions on this same BOA card include payments at gas stations in XXXX XXXX XXXX XXXX on XX/XX/XXXX, XXXX XXXX, XXXX - showing that I was traveling north to XXXX -I am STILL in XXXX presently ( XX/XX/XXXX ) ; I have statements from my other credit cards that show transactions consistently made in XXXX from XX/XX/XXXX - XX/XX/XXXX -I have had my credit card in my possession the entire time, and the card was installed on apple wallet on my personal mobile phone -I have not used this BOA credit card at any merchant since XX/XX/XXXX -Merchant 's address on Bank of America differs from address found on XXXX XXXX - the merchant, or " XXXX XXXX '' is currently at my previous address, to where all of my Bank of America mailing communications was sent before I changed the address in my BOA profile -XXXX XXXX moved into the shop I had left to travel to XXXX ( as confirmed by XXXXXXXX XXXX XXXX XXXX XXXXXXXX and friends that still reside XXXX XXXXXXXX XXXX ) -I noticed the fraudulent transaction on XX/XX/XXXX ( due to not using the card since arriving in XXXX ) and filed a fraud claim with a Bank of America associate -I received a resolution letter from Bank of America dated XX/XX/XXXX DENYING the fraudulent claim and forcing me to pay the amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I identified a machine ( XXXX XXXX XXXX XXXX ) on XXXX XXXX ' website, a reputable site for buying and selling large equipment. I indicated interest to purchase the machine in partnership with my cousin in XXXX. The XXXX XXXX site, as the standard process, then provided me the actual seller 's contact information as XXXX XXXX XXXX in XXXX, TN. On XX/XX/XXXX, I began corresponding with XXXX XXXX, the owner of XXXX XXXX XXXX. I had a series of communication with XXXX through email, phone calls and text messages. I eventually agreed to purchase the machine. I have a XXXXersonal Bank of America account, and XXXX XXXX XXXX also has a business Bank of America account, so we arranged, and I initiated transfer of {$30000.00} from my BoA account to the business BoA account on XX/XX/XXXX and XX/XX/XXXX. My cousin also initiated international wire transfer of {$50000.00} from his bank account in XXXX to the same XXXXXXXX XXXX XXXXXXXX business BoA account on XXXX XXXX, for a total purchase price of {$80000.00}. I continued in closed daily communication with XXXX XXXX, and Bank of America to ensure the purchased XXXX XXXX XXXX will be delivered as the transfers are being completed. I have documentation of all the files and communication. As of XXXX on XX/XX/XXXX, XXXX XXXX XXXX to me that BoA has a hold on his account for my {$30.00}, XXXX transfer and will not be available to his business until XXXX XXXX. Given that even the {$30000.00} domestic BoA to BoA transfer has been placed on hold, it was very likely the international wire transfer of {$50000.00} was also on hold by Bank of America. The machine was supposed to be delivered to the port in XXXX, MD, by XXXX on XX/XX/XXXX, to be shipped to my cousin in XXXX XXXX The machine never arrived at the port as planned and the business representative, XXXX XXXX, whom I was corresponding with, stopped communicating with me by XXXX on XX/XX/XXXX. On XX/XX/XXXX, as I conducted further internet research, it turned out that the bank of America business account was fraudulent, as I found out after that the XXXXXXXX XXXX XXXXXXXX business owner, XXXX XXXX, was deceased and someone was pretending to be him. Also, although the physical address on the business and Bank of America Account were the same " XXXX XXXX XXXX, XXXX, TN, XXXX, the name on the bank account appears to be different. It was run through XXXX XXXX, XXXX which appears to be located in XXXX XXXX, FL, and that business was just created in XXXX of XXXX and used to open the Bank of America account. I quickly notified Bank of American, and they advised me to file a Police report, before they could file a transfer claim. I filed with my local Police, called and filed a Fraud Claim with Bank of America on XXXX XX/XX/XXXX. I then called Bank of America Fraud Services on daily/weekly for status and to ensure the fraudulent account is frozen before the imposter could withdraw any of the {$80000.00} transferred. I faxed over additional document needed by the bank. I was told it will take up to 90 days for resolution of my claim. On XXXX XXXX when I called Bank of America, the claims specialist informed me the case was denied, however, they also found out the case was filed wrongly. Therefore, it has to be refiled correctly. Another case was filed on same day, and all the previous documentation was transferred over to new claim. I was informed it will take another 60-90 days for resolution. I continue to call on weekly basis for status. On XXXX XXXX, XXXX when I called, the claims specialist informed me the status of case was " sent for reconsideration on XXXX XXXX ''. And that will take up to another XXXX calendar days for resolution. On XXXX XXXX when I called, the claims specialist supervisor indicated that the 2nd claim was also filed wrongly, and therefore she has to refile it correctly again. I insisted on better explanation as to why claims gets filed incorrectly. The supervisor eventually stated that " session XXXX?? '' of their code indicates they are unable to file a claim for my {$30000.00} internal transfer, and therefore suggested, my two options are : 1. Go to the banking center where I made the transfer to ask what they could do to help me with in getting the money returned. 2. Go back to the Police station to see what they could help me with in getting the money back. On XXXX XXXX I went to the local banking center and the banker got on the phone with the fraud claims department. After XXXX of phone discussion and transfers from department to department, the banker was frustrated. She then told me they are unable to return the money, and suggested two options : 1. Go through a Small Claims court 2. Hire an attorney to assist through a lawsuit. I believe the fraudulent BoA account is frozen, and the funds are still held in it. It needs a higher order and process to be released and returned to us who have been victimized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76244
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have a business and open a savings account at the bank. a bank account for the company. They never sent us the cards. We put money in the account and without the cards we can not transfer or withdraw the money. We haven't been able to get the money for 2 months now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84047
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a letter with the return address of XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE, XXXX addressed to me at my home address. The letter was on Bank of America Letterhead with their offical looking logo in the right corner. The letter stated the following : XX/XX/XXXX This notice is provided to you as the named account holder for a prepaid debit card ( " card '' ) issued by Bank of America , N.A . ( " we '' or " us '' ) on behalf of your state 's agency responsible for XXXX XXXX or-other benefits payments. After a recent review of your card account, it was determined that fees related to calls you made to Us may have been inadvertently charged to your card account. amount of crediting your card account in {$2.00} to reimburse those fees to you. We apologize our service did not meet your expectations. If your card account is closed or you would like to request a check for the remaining balance of your card, including the amount we have credited to your card account, you may call us at XXXX, XXXX hours XXXX days a week, to request a check. If your card account is blocked, we can work with you to see we can release the block on card account, which may include asking you questions or asking you tO take other steps to authenticate your identity. Please call us at XXXX, XXXX hours a day, days a week, you are interested in seeing if we can release this block on this card account and assist you XXXX accessing any funds remaining in your card account, including the amount we have credited your card account. The footer of the letter had the following identification marks : XXXX ( left footer ) XXXX ( right footer ) I contacted BoA and they were unable to locate my name or SSN in their database. I do NOT recall opening an account, applying for any type of state benefits. My only interaction with BoA was in XXXX, my employer provided us with a prepaid debit card for work expenses during a work trip. I returned the card to my employer and have not used in since XXXX. I believe this to be a fraudulent letter. I did not call any numbers listed on the letter, rather I contacted BoA through official channels.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56601
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Formal Complaint Regarding Unfair Practices and Late Payments on Credit Report Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX BANK OF AMERICA Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. Dates reporting LATE PAYMENT XX/XX/XXXX., XX/XX/XXXX I am writing to file a formal complaint against Bank of America regarding what I believe to be unfair and questionable practices that have negatively impacted my credit report. Recently, I discovered XXXX late payments on my credit report related to a credit card with Bank of America. This situation arose due to the imposition of an annual fee without proper notification, leading to unexpected charges and subsequent late payments. It is important to note that I have a credit card with Bank of America that I rarely use and has never incurred any fees in the past. This is the XXXX time such an incident has occurred, and I find it deeply concerning that Bank of America implemented a yearly fee without providing me with adequate notice. This lack of transparency and failure to inform me of changes to my account resulted in unexpected charges and, subsequently, late payments being reported on my credit history. I believe this practice is not only unfair but also raises questions about the ethical standards employed by Bank of America. I am seeking your assistance in holding them accountable for their actions and rectifying the negative impact on my credit report. I kindly request that the CFPB investigates this matter thoroughly and takes appropriate action to ensure that consumers are protected from such unjust practices. Your intervention is crucial to maintaining fairness and transparency in the financial industry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92612
Submitted Via: Web
Date Sent: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: Bank of America stole XXXX some odd dollars from me that say that they closed my account and was going to send me a check with my money did all they then they never did all I keep getting is my bank account statement saying how much is in my account and so when I went into the bank they just keep giving me the runaround
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: 2024-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A