Date Received: 2023-07-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I contacted bank of america about fraudulent charges on my credit card on XX/XX/2023. I spoke to a representative and listed the charges I knew to be fraudluent. One was for one of the semi-legal weed shops another was nearly {$100.00} at target, and at a pharmacy I haven't used. The rep said I would have the money refunded while they investigated my claim. On XX/XX/2023 I got a message saying they were unable to approve my claim and were recharging my account for the amounts. Their messages say that they confirmed the charges with the merchants but provided no further details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10022
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: Deposits and withdrawals
Consumer Complaint: I deposited a {$550.00} USPS money order XX/XX/XXXX at Bank of America. I asked the person that processed my deposit if there was going to be a hold and they said no money orders are not put on hold. The attached receipt does not state a hold. When I arrived home, I accessed my email and there was a notice that a hold had been placed on my deposit until XX/XX/XXXX. I accessed my BOA account, and it stated the funds would be available the next day. This morning the message in my account changed stating there is a hold until the XXXX. Everyone I talk to at BOA states money orders are not placed on hold. I called the XXXX GA branch ( XXXX ) XXXX and they transferred me to the holds department she said she would call me back in a couple of hours to make sure the issue was resolved, but my phone has not rung yet. I was transferred to the Hold Dept. ( XXXX ) XXXX. The employee I spoke with stated she tried to remove the hold but could not. The rep stated she was going to escalate the removal of the hold. I was then advised it could take 24-96 hours before the issue is resolved. I have been with BOA for 30 years and there have been no problems with my account. As I told the employee that advised me it could take 24-96 hours, I would charge BOA 29.50 % interest compounded daily until I am made whole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
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: Problem with rewards from credit card
Consumer Complaint: I am writing to bring to your attention an issue regarding the withholding of my credit card rewards by Bank of America. In XXXX, BoA closed my credit card ( ending in XXXX ) citing risk concerns. It is important to note that I have always paid back the full amount on my credit card without delaying a single day for the past XXXX years. Furthermore, I maintained an investment account with BoA, holding assets worth over {$400000.00}. Prior to the closure of my account, I had accumulated a total of XXXX rewards points from all my previous card purchases. These rewards points are equivalent to {$1300.00} in cash value ( see screenshot for evidence ). Despite making multiple calls to BoA, requesting the redemption of my rewards, I was informed that they will not process the redemption after the account was closed. It is worth mentioning that BoA has gained notoriety for withholding customers ' credit card rewards and has recently faced a significant fine of {$100.00} XXXX, as reported in this link : https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ Regrettably, it appears that BoA has not made any improvements in this area, and I find myself to be another victim of this practice. Consequently, I kindly request Bank of America to issue a check in the amount of {$1300.00} to compensate for the rewards. Please be aware that if necessary, I am prepared to take legal action to seek a resolution to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94043
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: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: We applied for a 2nd Bank of America VISA XXXX XXXX credit card after XXXX receive an offer in the mail. XX/XX/2023 {$100.00} statement credit. XXXX bonus miles and famous companion fare {$120.00}. We received the cards and I used mine to charge {$3700.00} on XX/XX/2023 for my first XXXX XXXXXXXX. Since then, we have been trying to get XXXX added as an " owner '' instead of just an applicant. Bank of America has not been honest and transparent with the application process. So this card did not show up online with our 5 other accounts, checking, savings, XXXX XXXX XXXX, 2 equity loan accounts. After calling them up, we were told that XXXX had to give his permission to add me as a co-owner. We did this. XXXX gave his permission over the phone and the rep claimed " her computer crashed ''. She told us to go into a bank branch. We did. XXXX tried 2 times to call the credit card phone XXXX. 2nd time we got through. To verify us, the rep tried to send XXXX 's work phone a code. It did not work. They tried to send a code to XXXX XXXX XXXX. It did not work. The bank manager had to confirm our identities on our drivers ' licenses. They then responded that this account would go to a board to decide if this change would happen or they would cancel and start a new account. So i used it a couple more times and paid the {$5000.00}, more than we have charged. NOTHING. We can not see this credit card and our transactions. We do not know why BA is denying this credit card. XXXX does not do any online banking and gave his permission for me to keep track of this card. XXXX is a community property state so why does this even matter? Maybe you guys can get BA to add me as an owner on this account so that we can see it online with our 5 other accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
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: Funds not handled or disbursed as instructed
Consumer Complaint: For four months I have been trying to get Bank of America to add my checking and savings account to a trust I have established with my wife. I contend that Bank of America has deliberately and repeatedly misconstrued my instruction in an effort to generate more business for the bank. On at least FOUR separate occasions I have stated that I want to add my accounts to an existing trust. EVERY TIME the response was " Oh, so you would like to set up a trust '', meaning that rather than follow my instruction they seize on this as a sales opportunity. This has happened to me by telephone repeatedly - I spent OVER an hour trying to get this done, only to have the bank send me paperwork to open a new trust account with the bank. On a separate occasion, I was sent the paperwork I needed, I sent it back, and was told in late XXXX that there was an error with the paperwork, but they couldn't tell me what it was, and I would have go to the bank to " set up my trust ''. Again I stated that I was ADDING the accounts to an EXISTING trust. Their objective was to FORCE me to go to the bank. I had the matter escalated by contacting the executive office. The executive office told me my signed, notarized paperwork was all correct - the person who decided it was incorrect had " assumed '' my wife and I were both owners of MY checking and savings account ( ANYONE dealing legitimately with an account would check the owner 's name rather than make an assumption ). But he told me that nevertheless, we would have to go to the bank. We went to the local branch on XX/XX/23, stated what we wanted to do, and were met once again with " Oh so you want to open a trust ''. We clarified, the person we dealt with submitted our paperwork again, and we were told we would be called back in a couple of days when it was approved. I called back today after four business days to check the status. I was told I would be called back with the status. Rather than that I got a SALES PITCH to " help me with all my banking needs ''. I asked the salesman if he was calling in reference to my effort to add my accounts to an EXISTING TRUST, and the salesman said " Oh, so you want to set up a trust ''. It is IMPOSSIBLE that EVERY person I dealt with misunderstood my requests. CLEARLY Bank of America 's policy is to DISREGARD its customers ' clearly stated wishes, through up ROADBLOCKS that make it impossible to do business other than by going to the branch, where they will be subjected to SALES PITCHES rather than SERVICE for their accounts. I am CONFIDENT that this is in their TRAINING SCRIPTS because it happened 100 PERCENT OF THE TIME. Bank of America has been fined MANY TIMES for DISREGARDING its customers wishes, and clearly they have learned NOTHING. PLEASE take further action against them, on behalf of consumers like me who have to WASTE tremendous amounts of time dealing with their FRAUDULENT BUSINESS PRACTICES. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10573
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an alert about my social security number being compromised on the dark web and used to open a Bank of America account. I called their fraud department and submitted a claim on XX/XX/XXXX. The account had XXXX dollars in it and it was opened with my name and social security number. The account was closed on XX/XX/XXXX and a fraud alert was placed with the institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92543
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 with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Hello my name is XXXX XXXX my ss is XXXX and my complaint is back in XX/XX/20 I was XXXX with XXXX XXXX and during my recovery I noticed many unauthorized atm withdrawals and purchases, I believe {$8400.00} was stolen from my account, well after I reported to bank of america , 15 days later I received a letter saying my case was closed, several times I called and had my claim reopened and today it's still pending and still i have not got any information or have I got my money returned
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92399
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: Can't close your account
Consumer Complaint: I believe my account with BANK OF AMERICA EDD in California was fraudulently reported to the IRS. Between XXXX - XXXX my tax return has been taken for the reason of unemployment fraud. I have not received unemployment between those years. I was on unemployment between XXXX - XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: I received a letter from Bank Of America " we've made the decision to close your credit card '' because of a returned payment and utilization of my credit is high. Conditional XXXX of your claim. This is an attempt to validate a debt against Bank of America. This response is not a refusal to pay, this response is my conditional acceptance to Bank of America on the conditions being met as required by XXXX. Intentional Misrepresentation and Breach of Contract. Please provide a true bill of XXXX or reopen ALL my credit card accounts within 24 hours. Reopen my credit card account and increase my credit limit for each credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33579
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Im XXXX XXXX military who was just stationed XXXX to the XXXX on XXXX XX/XX/. I called Bank of America ( BoA ) on XXXX XX/XX/XXXX at approximately XXXXXXXX XXXX to inform them of my departure from the US due to XXXX orders for the next three years so my account wouldnt have any issues when being used in the XXXX. On or about XXXX XXXX XXXX, I attempted to charge XXXX ( approximately {$560.00} ) from my checking account using my BoA debt card and it was flagged for fraud. This attempted charge was for a home holding deposit to secure housing in the XXXX. I attempted multiple times to resolve this issue and verify the transaction on their mobile app but it required me to call BoA. The international number on the back of my card did not work so I purchased a XXXX phone number and service for approximately {$70.00} and added {$10.00} credit to receive text messages. I updated my phone number with BoA to this newly acquired US number from XXXX on the banks mobile app. I then called BoA to resolve this issue. The first individual I spoke after approximately 14 mins of hold time was able to access my account and stated they removed the restrictions on my account and the card will be able for use. I reattempted to charge the holding deposit for XXXX and it was again declined while I had the BoA representative on the phone. I tried several times ( I can not confirm how many since my account is now suspended and Im unable to login ). I dont we informed to wait an hour and then try again. After an hour, I reattempted this charge and it was again declined. I then called BoA using my XXXX number but this time the representative was unable to help me and requires me to authenticate my account by texting me a code to my phone number. The phone number they had on file was my US phone number with XXXX that was disconnected due to XXXX military service and not active. I was informed that despite me updating my phone number on the app, it could take 6 weeks for their system to show the update. I was then informed that I could use the XXXX on their mobile app to authenticate myself but calling BoA through the mobile app. I attempted this however it required me to call a US number on the app and my phone didnt allow that since Im in the XXXX XXXX I then went to a local cell company in the XXXX called XXXX and purchased a SIM card for XXXX and added XXXX credit to an international plan. I then reattempted to call BoA through the app using XXXX but it failed since it assumed my country code was in the US. Luckily I was able to copy the phone number and add the required XXXX country code ahead of the phone number to initiate the call. Unfortunately, this did not authenticate me through BoA system and I was told by another representative that they are unable to access my account or help me. The options I was then given was to visit a BoA branch with two forms of ID. This was not feasible since Im not in the US and there are no BoA branches in the XXXX. I then reinstalled my XXXX XXXX card back in my phone, called XXXX to reactivate my phone service, added an international service, and then called BoA using my XXXX number ( the same number they have on file ). BoA was this time able to sent me a text to my US number ( I was charged for an international text rate *uncertain this amount at present* ). I was successful at authenticating my account this was and the BoA rep stated that my account was no longer suspended and I would have full access to use my account again. I then called XXXX and resuspended my cell service. Afterwards ( on or about XXXX XXXX XX/XX/XXXX ) I went to the XXXX XXXX XXXX ( operated by BoA ) to pull money out of the ATM and my transaction was declined. I logged in on the BoA to verify the transaction and was instructed to call BoA. I called BoA on XXXX XX/XX/XXXX and they were unable to authenticate my account since my phone number was not showing updated with them and I was informed that the fraud department put a note on my account to only unlock it after I visit a BoA branch with two forms of ID. As of XXXX XXXX, I no longer have access to view my bank account information online or through the mobile app. I have a credit card with BoA that has a balance that Im unable to pay and certainly will incur late charges and potentially affect my credit history. I can not access my money in my account. Additionally, it is impractical for me to personally purchase a plane ticket from the XXXX to the US for the some purpose of visiting a BoA branch to have my account access restored. BoA representatives to include members of their fraud department were u able to resolve this issue, help in anyway, and simple stated repeatedly that they are sorry for this inconvenience. This situation has developed far beyond inconvenience and into the realm of of complete alienation and isolation with regards ot my financial security and services with BoA. This is a significant issue and problem that certainly affects XXXX XXXX military personnel assigned XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A