Date Received: 2023-07-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of America i made a cash advance withdrawal in XXXX or XXXX ( i am not exactly sure of the date but it is on record with the bank ) and the bank has been charging me for the cash advance to this very day i asked a bank rep. when would the cash advance payment stop being charged to my credit card and was told when my credit card is fully payed off the cash advance payment was only for {$400.00} i believe if my recollection is right and also several times i have overpaid my credit card so that i could use it to pay for items.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94103
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I want to emphasize that I have not applied for any credit or services offered this company nor have I granted permission for them to access my credit information. Therefore, the inquiry ( s ) made by this company are unauthorized and potentially damaging to my credit score and financial reputation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30344
Submitted Via: Web
Date Sent: 2023-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An account was opened in my name without my authorization by Bank Of America twice. I believe this is being done by Bank of America and I would like to file a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60714
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
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 am disputing the original {$5100.00} charge via my bank of America credit card ( XXXX ) from XXXX XXXX XXXX ( subsidiary of XXXX XXXX XXXX ) in XX/XX/XXXX. I did not consent or authorize that charge regarding an upgrade ( I already prepaid my car rental through a third party called XXXX on XX/XX/XXXX for a total of {$1100.00} which obtained my car rental in XXXX via XXXX XXXX XXXXl ( see below Below are additional details and context regarding this charge with the vendor ( XXXX XXXX XXXX ) which I provided to Bank of America in XX/XX/XXXX ). To resolve the matter, when I first found out about the charge, I discussed it with the company XXXX XXXX XXXX and later with their parent company XXXX ), but they refused to refund the charge and maintained that I agreed to an upgrade. When I tried to escalate the matter with the vendor, they refused to work on the matter and told me I had to go to the credit card company. When I demanded proof of such an agreement, the vendor did not provide any evidence ( such as a signed receipt ) for the charge. Running out of solutions with the vendor, I then went to the next step of the resolution process - through the dispute process provided by my credit card company ( Bank of America, which I am directing this complaint against ). Since the vendor claimed I signed a document that I never signed ( and did not procure a document which I could see evidence of my signature ), I approached it as a fraud because there was no evidence of such an agreement and claim that I signed an agreement. Despite multiple phone calls and multiple tickets and case numbers over 15 months, Bank of America grossly mishandled the dispute and repeatedly undermined my attempt to resolve it through very confusing and contradictory communications. Even though it should have been approached as a fraud in the first place, Bank of America initially asked me to provide a signed receipt which I never was provided in the first place ; I tried to explain to them that there was no way to prove something that did not exist in the first place. When I asked what evidence did the vendor had to validate their claim on the charge, Bank of America was unable to provide any evidence from the vendor that I signed anything regarding the original charge. Once that was realized that there could be no signed receipt to validate a fraud, Bank of America changed tack and told me that the vendor was able to treat my credit card like a blank check and could charge any amount because I agreed to incidentals. I then explained to them that almost all of the charge was due to one single charge, an {$4200.00} upgrade ( plus tax ) which I did not sign or authorize. In other words, as one of the analysts in Bank of America told me, akin to what hotels could charge if you damaged the room or took items from the snack bar, Bank of America treated the whole vendor charge as if it were an incidental ( i.e. tolls, gas with the car rental ) and ignored the fact that most of the charge from the car rental vendor was claimed through a upgrade which I never agreed or signed to. Note : I pointed out that, in my brief internet research, XXXX XXXX XXXX has had a shady history abusing use of credit cards and with charging customers on car rentals such as toll fees in XXXX, accusing people of stealing cars in XXXX, and so on, but Bank of America still continues business with them. Again, even though I asked for any evidence that I agreed to an upgrade, no evidence by the vendor or by Bank of America was provided to prove the charge. When I began demanding evidence that the vendor should have provided to the Bank of America for the dispute, Bank of America provided me an inaccessible portal and then mailed some documents which were all related to Bank of America statements and nothing to do with the claim. These documents, so-called statements mailed to me, were simply former Bank of America monthly statements that I already had in my possession and had nothing to do with the case/claim/dispute. I pointed that out about the mailed documents, and Bank of Americas response was to ask for more time to research and re-evaluate, only to respond the exact same way months later as if nothing has happened since then. I dont believe they researched my case at all because they had no evidence or proof to support the original charge. Meanwhile with their very slow process, I was very patient and even made payments on the disputed charge in good faith that Bank of America would resolve the issue fairly. After months of delay and lack of resolution and multiple calls ( see below ), Bank of America finally provided a very confusing explanation how the charge was valid in the form of a letter in XX/XX/XXXX and then again exactly the same implausible conclusion on XX/XX/XXXX indicating that they re-evaluated my claim and stated they decided they could not approve my claim because we confirmed statements were mailed to the address you provided for this claim and payments have been made on the account. This is not a valid explanation to how my claim is invalid, much less how it is not a fraud. Also on XX/XX/XXXX stated they made note that they contacted the credit reporting agencies to add a comment to my credit report that I disagree with their decision on the fraud claim. Since the payments appeared to be a validation of the charge in Bank of Americas eyes, I stopped making any payments and let it go delinquent and planned to file a complaint with the federal government and credit reporting agencies about their mishandling the dispute/fraud charge. The following dates were calls I made via relay with bank of America with promises that they would pursue the claim and provide me a response without reasonable resolution on their part : XXXX Bank of America CC @ disputing charges with XXXX XXXX ( XXXX ) XXXX Bank of America ( CC ) @ Request for more understanding about dispute XXXX Bank of America @ dispute over XXXX XXXX charge XXXX Bank of America @ Dispute on fees, payment, and explanation of the XXXX XXXX charge XXXX Bank of America @ payment and concerns XXXX Bank of America @ trying to get a hold of Fraud Dept without success XXXX Bank of America @ trying to get a hold of Fraud Dept without success XXXX Bank of America @ credit card dispute into fraud XXXX Bank of America @ credit card dispute XXXX Bank of America @ credit card dispute XXXX Bank of America @ Fraud dispute The credit card dispute process Bank of America had in place appeared deliberately confusing to frustrate the customer and force him to give up, because, repeatedly in my follow ups, Bank of America told me they would research it with the vendor but never got back to me in weeks, then months, so I kept on following up, only to be told they needed more time to research. This happened again and again each time after lengthy waits ( in excess of 30 minutes each time ) calling Bank of America and have been given different case numbers which became very confusing and disorienting. Whenever I spoke with them and was moved to different departments beyond my understanding why, Bank of America confused the process by initially treating it as a legitimate complaint which they claimed I was disputing some of the amount and not as whole as a fraud. Even though they were dealing with me as a XXXX customer, they refused to communicate via email and instead insist they used relay ( which they hung up multiple times after long waits ), slow mail which did not substantiate or relate to the claim, or fax machines which did not deliver any documents or allow access. At the end, I refused to continue making payments to the charge, closed my accounts, and sent my business elsewhere to a competiting bank. However, because I refuse to honor a fraud charge, Bank of America still approaches my charge as delinquent and has reported to the credit reporting agencies, hence damaging my long-time solid credit score severely ( from XXXX to now XXXX ). This is not a healthy way to conduct business in our country. Below are additional details and context regarding this charge with the vendor ( XXXX XXXX XXXX ) which I provided to Bank of America in XX/XX/XXXX : Via a company called XXXX on XX/XX/XXXX for a total of {$1100.00} I prepaid for a vehicle rental in the XXXX airport ( XXXX ) for 28 days in XX/XX/XXXX ( from XX/XX/XXXX through XX/XX/XXXX ). You can see that charge on my credit vehicle bill ( XXXX ). XXXX provided me a booking number ( XXXX ) and information to pick it up from XXXX XXXXl in XXXX. On XX/XX/XXXX, I arrived XXXX on time, shuttled to XXXX XXXXl, and waited in a long line for over an hour to finally talk with an agent in XXXX XXXX. Environment was uncomfortable and noisy with long waits ( more than an hour long without a manager available ). On XX/XX/XXXX, I provided the agent in XXXX XXXXl my booking number and intended to get the vehicle without paying more than what I already paid for. I did not request an upgrade or fuel options and insurance. After talking to me ( which I did not understand most of what he said since I am XXXX ), the agent told me to sign on an electronic pad. He kept on talking after I signed on the electronic pad which I did not understand but got the impression he was trying to sell me something. He then printed out several paperwork with different dollar amounts. Nothing in the paperwork exceeded $ XXXX, and I understood it was part of unsigned paperwork in order to get the vehicle I already reserved XXXX ). Nothing was printed with my signature, and I did not sign anything else other than the electronic pad before he talked. I told him I am not interested in paying for more than what I already paid for. I asked the agent if I had to pay for anything extra over what I already paid, and he clearly said no. I asked him several times, and he pointed out that I was using the third party ( XXXX ) to get the vehicle, so that I do not need to pay extra and that the paperwork he gave me was not signed so, as he said, there is no obligation. There was no manager anywhere to help our communication. With a big line of customers waiting more than an hour behind us, the agent provided me the keys to the vehicle. I saw no paperwork, signed or unsigned, that showed anything more than in the $ XXXX ( I do not have a copy of this paperwork but since I already prepaid the car rental I didnt think I needed it ). When I returned the vehicle in XXXX on XX/XX/XXXX, XXXX XXXX did not provide me a receipt onsite even though I requested it but indicated they would email me. I left everything in the vehicle in good shape, believing everything was fine without additional ( incidental ) charges. XXXX XXXX did not email me anything until I found out about the charge via my credit card bill. I first noticed the charge {$5100.00} later in XXXX after when I checked my credit card bill. I contacted XXXX XXXX and asked for an explanation. I was told that the charge was for an upgrade that I asked for plus gas and tolls. I asked for evidence for that agreement. They emailed me ( and only then for the first time ) something that they claimed I agreed and signed something I have not seen or signed on XX/XX/XXXX or on any other time. I did not sign at any point to that particular paperwork or consented to the financial terms with that agreement. I asked XXXX XXXX to investigate the matter further, but they refused to even revisit the process in the context of dealing with a XXXX customer hearing or understanding terms orally and then signing on an electronic pad. They would not provide me information about the agent or the office that claimed the signature was mine. Also, XXXX XXXX did not provide any evidence when I requested a breakdown of the {$240.00} in tolls ( part of the {$5100.00} ). I reached out to XXXX and they indicated they have no charges against the vehicle I rented. I also disputed about the gas ( the vehicle came with a half tank and was told I didnt have to pay for additional gas ) and asked for support about toll fees the vendor couldnt substantiate any of these charges. They told me to email them, but that wouldnt allow a response before I can pay the credit card. Please note that I am XXXX, so oral communication is not the best way to ensure or validate agreement ( if the car rental company claimed they have orally communicated the terms with me before I signed ). I would not have agreed to this so unaffordable if I was made aware ( either in writing or orally, which nothing I received like this ). This frugality is consistent to my past history with renting vehicles for many years. For any rental vehicle, I never agreed once to options like fuel options and insurance or upgrades. With the vendor providing no evidence or support, the claim that I used a signature on a document I didnt sign as well as claims that I used tolls or gas without any support indicated this was a fraud which I complained to Bank of America starting in XX/XX/XXXX through XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I made a purchase for {$7.00} on my Bank of America credit card, a XXXX ending in XXXX. I have had the account in good standing since opening in XXXX, XXXX. The statement posted on XX/XX/XXXX and payment was due XX/XX/XXXX. I unfortunately forgot to pay, it slipped my mind. But I received no reminder emails about the missed payment and I had electronic delivery set up. So my account went from late payment to 30 day missed payment, and then 60 day missed payment, all with no contact from Bank of America. I finally noticed the payment was due when I saw it in my personal finance aggregator app ( XXXX XXXX, now called XXXX ). I paid it immediately, XX/XX/XXXX. Again, no late fee was charged to indicate something was wrong, nor any notice of late payment. In XXXX of XXXX, I noticed my account was closed. My credit report states is was closed XX/XX/XXXX. I had to call Bank of America, who would not disclose the reason for the account closing. I was informed that I would get a letter in the mail, which never came. I called back in XXXX of XXXX and was informed again that nothing could be disclosed and that I would get a letter in the mail. It is now XX/XX/XXXX, and I have received no letter. I believe Bank of America set me up for failure, as I now have two negative remarks on my credit report and they refuse to communicate with me about the payment or the account closure. I feel the situation would be rectified if the late payment remarks could be removed from my credit report since they also played a role in lack of communication about the missing payment and later failed to follow their own instructions that I would receive a letter with details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Since XX/XX/23 I made a claim for {$2100.00} and claim was received and investigated from my child support debit card the funds were taken off of my card and transferred to a XXXX account that I never owned. This transaction took place on XX/XX/23 I didn't know about it until XXXX because I wasn't getting any alerts that I was receiving benefits on this card as the company changed child support debit cards to new Bank of America cards. I spoke with representative on XX/XX/23 & XX/XX/23 and it seems they didn't even bother to take their time out & just dismissed my claim. So I requested for a reconsideration because I wasn't at fault. They need to have their systems updated for transaction alerts as well as fraud alerts. I am waiting on a letter from them in mail hopefully I get it so I can proceed with a full police report. I shouldn't have to be going through this for my child support money. Claim number XXXX for Bank of America XXXX child support debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07111
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I attempted to apply for a bank account numerous times, and i was told I was unable to get a account because I was in XXXX and XXXX XXXX by Bank of America. I reached out to them, and they told me how to obtain my consumer disclosure reports. While reviewing the reports, I realized i was a victim of identity theft. I made a claim to get the information removed from the reports. However, Bank of America did remove account ending in XXXX and not the other account ending in XXXX, stating that I did not file a fraudulent claim for that account. They told me to file one for that account. I also was advised to send them this report in connection to the identity thief that Ive been a victim off. Please assist with the removal of this erroneous and untrue information that I am a victim of. Thank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Bank of America opened a second foreclosure case on my home in Florida back in XXXX. Even though the statute of limitations ran out during the pendency of the appeal ( which was won ) for the last case, they restarted the case anyway. This time as the last time, the bank lost the Note. 8 days before trial, at mediation, the Note was suddenly " found '' after 8 years. Previous inquiries ( 3x last being XX/XX/XXXX ) indicated that the loan is held by the original lender yet the lawsuit ( filed XX/XX/XXXX ) reflects the owner XXXX XXXX. So I agreed to a stipulation under much time pressure to consent to judgment in exchange for more time to seek financing or sale of the house. That very day after consent was made, a proposed judgment amount came in and was not in line with what I envisioned. Moreover the co owner of the property came to the realization she did not retain the attorney I had used to make this deal. So I filed a XXXX XXXX to see if the bankruptcy court can help arrange a payment plan that takes into account the long and tortured history of this loan and any statue of limtations that can deduct amounts or arrange the debt to make it affordable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Bank of America pull my personal credit without my permission this was a business decision my social security number was not provided how and why would they pull my personal credit date of XX/XX/2023 XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60446
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/XXXX, I was the VICTIM of Fradulent charges in My BANK OF AMERICA accounts ending inXX/XX/XXXX & XXXX. I Sent in documents to BOA, Police Report, Etc but BOA still refused to credit back my account, even after I did the proper procedure. I did these claims at least 3-4 times. When I notify BOA that I want documentation in writing of why they REFUSED to pay me back the funds that was taking FRAUDULENT from myself & told them I had a Lawyer, and wanted the claims re opened again for FRAUDULENT activity for the 4 or 5th time, They proceed to close both my accounts, for FRADULENT activity, 2 months later, Retailiting against me because I told them I had a lawyer since they wasnt paying myself the money back. BOA are taking peoples money including mine, they did NOT do a proper investigation on my claims & are trying to hold me accountable & refuse to give myself the money back. In my XXXX account it was a total of {$1800.00} ( give or take ) and {$950.00} in my account ending XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A