Date Received: 2023-07-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I kept getting alerts from my credit report saying there was past due payments on two different bank of america credit cards. When I went to look there was two credit cards opened up in XX/XX/XXXX and XX/XX/XXXX. It looks like XX/XX/XXXX is when those " payments '' fell behind and I am now being notified. I had a bank of america bank account that has been closed in either XXXX or XXXX and I have not had any credit cards with that company since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93720
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I tried to open a to open a credit card to build my credit score and was told all I had to do is to First have the {$500.00} available and submit an application and it would take 24 to 48 hours being that I had to fund the account if I didn't have the money I wouldn't be able to use the service they wouldn't give me the opportunity to try I have a copy of they're denial letter I'm submitting!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My complaint is with the Pay Bill Process at Bank of America Credit Card using online or mobile app. My bill was due on XX/XX/2023 and I wanted to schedule the payment and amount using my checking account information. I used the mobile app which steered me to the ebill and payment process. My intension was to enter my bank routing # and acct # along with the amount and date to make payment but it appears as if Bank of America wants to force customers to schedule payment and amount but before they do so their process verifies that you have an account with the bank and that it has sufficient monies in the acct to make payment. So to verify that the account is valid, they will send 2 small deposits to my account then shortly thereafter debit my account to retrieve the monies. I have a problem with this. I don't like any company going into my account. If the account balance is not sufficient to cover the payment that is my problem as a customer and I should be charged whatever fees are appropriate for insufficient payment. I do not need to have Bank of America monitor my ability to manage my checking account. I believe the Bank has over stepped boundaries with customer bill paying. In addition, my bank account information would be stored on the screen as well as in their databases which I don't like a result of the rise in data breaches being reported. As Bank of America is not my primary bank and is just a temporary creditor, I do not want to store my bank information. The one-time payment option which is suppose to exist will not work unless it includes the verified bank information. So each time a one-time payment is made, the verify process will be invoked. Thus, can't make one-time payment on line or through the mobile app, because they both use the IVR process XXXX The one-time payment can only be made using the phone. This is not very convenient and does not work like other banks bill pay process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I got my account closed and informed nothing could be done. I made several calls but never given any reason or what i did that led to the closure. I do respect their decision and i have no problem with it. However, i got a mail saying that they might report me to XXXX XXXX and XXXX XXXX XXXX The day i got my account closed there happened to be a sudden deposit of XXXX $ and it could reflect on my balance. Then when i called the bank, they said they couldn't see such a transaction from XXXX. I wonder why i have to be a victim of all these while i never did anything. How i'm supposed to explain the sudden deposit and it's disapperance. The bank themaelves never gives any reason but keeps telling there nothing that can be done. What i'm supposed to do? Do i take responsibility for something i never did and i honestly have no explanation or any idea what happened? Do i take responsibility for something i never did? How i'm supposed to prove something i didn't do or something that i dont know?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97233
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am writing to express my deep frustration and concern regarding the closure of my personal checking account with Bank of America. It was closed on or around XX/XX/XXXX, and I was not notified of this action. When I attempted to pay for my medical bill, I discovered that my account was locked. Upon contacting the account closure department, I was informed that there were two options to retrieve the outstanding balance left in the account 1 ) Withdraw from a financial center if request is approved or 2 ) wait till account is officially closed to have a check mailed out. I submitted a request on XX/XX/XXXX to withdraw the funds at one of your financial centers, but I have yet to receive a response or any updates. I was informed this request usually take 5-10 business days. The request was put in XX/XX/XXXX and it is XX/XX/XXXX and i still haven't received a response yet Moreover, the estimated official close date for my account was XX/XX/XXXX, and it is now XX/XX/XXXX, but I have not received any confirmation on whether the account has been officially closed or when the check will be mailed to me. This situation has left me unable to access my life savings and essential funds needed for my medical expenses, rent, and other financial responsibilities. I have a XXXX scheduled, and I fear I may miss it due to this incident. I have been trying my best to be patient and respectful throughout this process, but the lack of communication and delays are causing significant distress and financial hardship. I urgently request your assistance in resolving this matter and providing me with prompt updates on the status of my account closure and the issuance of the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have issues every day with Bank of America the debit cards on the company account are placed on fraud holds daily more than two to three times a day ; the bank constantly asks me to come in and verify my identity has now begun to place holds on all deposit for 7-10 days this has become an overwhelming issue which has now began to affect me emotionally, mentally and physically. I go to the banking center and they have no explanation and or resolution the banking staff themselves do not know why this is happening. On Thursday, XX/XX/2023 all my cards were blocked I went in to the bank waited about an hour to be helped and then another hour while staff contacted Bank of America XXXX number to be told to identify me and while in XXXX bank all cards were blocked the lady told the banker all was cleared and while I am still at bank again all cards blocked I need help and a resolution. Bank of America is a disgrace it impedes small business owners and provides no financial assistance an or communication they hold your money XXXX. Additionally, you now have to chat with XXXX to see if the bank deems your call important to speak to a specialist beyond ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33142
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX Bank of America Credit Card which I've had since XXXX in good credit standing with my XXXX rating today of XXXX. I did a 0 % interest rate balance transfer for 1 year XXXX. promo on XX/XX/XXXX in the amount of {$1200.00} to my bank of america credit card. I used Automatic payment.on Bank of America Website. Bank of america website when you set up automatic payments there is a small box which flashes up to inform the payer that a automatic payment may take 30 to 60 days to actually be paid. This is start of my 1st problem with B of A why does a automatic payment has to take 30 to 60 days to make a payment, all my other credit cards pay the month their Due. This is the first reason why i missed payments for my B of A credit card. The 2nd problem paying my B of A card is that if you change anything on their website for automatic payment from date you want to pay and the amount of money you want to pay the B of A website misses that months payment, which B of A never informs the customer about on their website. I inform B of A financial Department by phone to complain and ask that all my late fees be credited to my account and to have my credit rating fixed which they said they did and they informed me if you set automatic payments by phone there is no 30 to 60 days waiting time for payments and my question is why their Website is different from calling them by phone which is really inconvenient to do they had no good reason for. Also B of A credit Department lowered my available credit on my credit card from {$10000.00} dollars to {$400.00} because My Automatic payment problem of which their Website is responsible for not me. B of America refuses to reinstate my credit and this has caused me problems with my Credit Rating. I want my full amount of Credit to be reinstated with my Bank of america credit Card which was {$10000.00} not the {$400.00}, since their Website has a Automatic Payment problems. The above has all been documented by me and also phone calls to Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19320
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This bank is adgrecious, I disputed charges twice for XXXX they approved the 2 smaller amounts which they approved but in the first complaint I never mentioned those 2 amounts so why were they brought up oh to pretend like you approved part of my claim another lie and illusion. The second time I asked for a review I was out of town so I was not able to provide any paperwork. When I look on my online account it says I sent in paperwork which I did not I have screenshots. I never sent in any information they lied playing games again with my money. The last person they switched off my case she emailed me, I responded back she never called me or responded back. A guy calls on XX/XX/XXXX and says oh the person who had your file was switched and then he starts talking about another claim that had nothing to do with this one. To make it seem as if they did approve some of it. He named 2 different claims that I never mentioned in my first complaint. Why not name all the account activity then. Your bank now owes me double my claim so think wisely. I'll give you 5 days to adjust my account, or I'll be seeking 10 times the amount. So I feel as a consumer that's unacceptable to lie and say I sent something and didn't. The record shows that it says information received. What information liers. So you made a decision off what for the review. Now that my consumer rights have been violated I'm going for double what your bank owes me. Usc15 section 1681section 602 ( a ) A consumer has a right to privacy. USC Section 18 code 1001 USC Section 18 code 1344
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14616
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Recently on the news Bank of America was overcharging for fees and over drawn accounts. I have had a checking account with Bank of America for over 5 years and it was a big problem up until a year ago. I want to be able to be compensated for the money that was taken out of my account and used in their company. I want to file a class action lawsuit and get my money back that I earned by working.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97305
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Complaint Summary Bank of America continues to report my credit cards ending in XXXX and XXXX past due when I have made payment plans with the Bank on both credit cards and payed as agreed. The Bank maintains that they have no record of payment plan agreements and will continue to call me demanding payments. In fact, the Bank has full and complete evidence that they established payment plans on both credit cards and validated their existence by attaching funds from my designated payment bank. Payment Plans Negotiated In XXXX, XXXX, both credit cards, XXXX and XXXX, were past due. I was unable to pay the minimum required payments to bring them current. I contacted the Bank and asked them to set up payment plans with me. For Credit Card ending in XXXX, the Bank agreed to accept a monthly payment of {$220.00}, due on the XXXX of each month. For Credit Card ending in XXXX, the Bank agreed to accept a monthly payment of {$120.00}, due on the XXXX of each month. Payment Plans Executed I explained that I could not agree to automatic payments as the dates of my monthly income vary. The Bank representative agreed not to set up automatic payments. She said I could make the monthly payments online or at a Bank branch. She did, however, schedule the payment of {$220.00} on card ending in XXXX for XX/XX/XXXX. She did schedule the payment of {$120.00} on the card ending in XXXX for XX/XX/XXXX. Therefore, the Bank knows WHO set up the agreement and WHEN. The Bank records customer calls. Knowing WHO and WHEN the payment plans were established allows the Bank easy access our complete discussion and agreement details in full. Maintaining no agreement was made is simply false and insupportable. Legally Binding And Enforceable I did not recall the Banks intention of scheduling my first payments under my payment plans. Consequently, I scheduled a payment of {$220.00} on card XXXX and of {$120.00} on card XXXX for XX/XX/XXXX. Both the Banks and my scheduled payments were paid, resulting in an overdraft at my Bank. As inconvenient as that was for me, it does establish that both the Bank and I understood that payment plans had been negotiated with specific payment amounts and due dates. It suggests a binding an enforceable contract. Notwithstanding the Bank must act in good faith and continue with the payment plans it negotiated and properly report good account standing with credit scoring companies. Age Discrimination I contacted the Bank many times trying to get my agreements documented. Each time, the Bank representative asked for my birthdate. The Bank representatives say it is a proper form of identification. As my birthdate is XX/XX/XXXX, I rather felt that I was blown off because they thought trying to resolve my issues was too much trouble and they could without consequence ignore aged me. I believe the Bank should abandon birthdate as ID.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A