Date Received: 2023-07-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Bank of America - Complaint My Bank of America bank account was compromised. Somebody used my Bank of America Visa debit card to create a fake account on XXXX and fraudulently spent {$3100.00} over a series of illegal transactions. In essence, my Visa debit card account was stolen and used on a fake XXXX account. I have called Bank of America numerous times... spending hours at a time. Each time, they create a claim, give me a claim number and insist they will get back to us. When we call back ( again, hours each call ), they have no records of the claim and we have to start from scratch. They pass us around multiple departments and nobody knows how to help, don't want to help, and quite frankly, they don't care at all. Bank of America should be ashamed at the level of service they provide. More importantly, is is our understanding that they need to refund us the money fraudulently being used on my Visa debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06820
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: My name is XXXX XXXX. On XX/XX/2023, I came across a post on the social media platform XXXX ( XXXX XXXX XXXX ) where someone was selling their XXXX handbag. Interested in purchasing it, I sent a private message ( PM ) expressing my interest. The seller added me on XXXX and provided me with the details of the bag. After confirming my decision to purchase, the seller provided a XXXX account named XXXX XXXX ( XXXX ). The confirmation number is XXXX. On XX/XX/2023, at XXXX XXXX, I used Bank of Americas XXXX function to transfer {$3000.00} USD to the provided XXXX account for the purchase of the XXXX handbag. Subsequently, I transferred {$430.00} USD to the XXXX account @ XXXX ( phone number last XXXX digits : XXXX ) as requested by the seller. However, after receiving the payments, the seller made various excuses and failed to send the purchased item. Additionally, the seller has disappeared since then. On XX/XX/2023, at XXXX PM XXXX, I reported the fraudulent transaction to my bank, providingg a detailed description of the entire process. Despite the 12-day period that has passed, I have not received any confirmation email from the bank regarding my claimthe claim number from Bank of America is XXXX Furthermore, I discovered on the same social media platform that other individuals have fallen victim to the same scam, with the scammer defrauding them of varying amounts ranging from two to four thousand dollars. Some of them have successfully initiated chargebacks through their banks, but my claim has not been processed yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2023-07-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid my Bank of America credit card on XX/XX/XXXX and I was failed but also it disappeared there is no transaction about it and was charged {$35.00} late fee this month XX/XX/XXXX XXXX paid {$100.00} to my account and it went three like normal. When I check my credit card on the app today XX/XX/XXXX XXXX shows payment failed and late fee of {$40.00}. I had no idea the payment failed and it was through their own app my debt is with Bank of America. I even had auto payments setup earlier this year and they still where finding a way to charge me fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: A person named XXXX contact me by XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX she like my photo and ask me for use it to do an art project for a client with the cost of XXXX, I will cut XXXX of it for me, she ask my name my bank and my email, also she told me the check need to be nominal me because I should process he for use my image without permission, she send me XXXX check of XXXX dollars and one more of XXXX it was in my email I did the deposit, my bank completed the deposit and I send her part with the total of XXXX, at first was pending and she ask me to call my bank and ask to complete the payment, then my account was closed by the bank and I realize that I was an victim of scammer. My bank send me the bill and denied my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02149
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: Managing an account
Subissue: Banking errors
Consumer Complaint: We deposited a check in the amount of {$220.00} on XX/XX/2023. The same day the bank made an adjustment and debited our account for {$61.00}. When questioned they told us that because the check was from XXXX, the adjustment was because of the difference between dollars and euros. The check was clearly made out in dollars. See case # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a business credit card with Bank of America. I paid the credit card balance using Bank of America Checking account. After payment the whole balance was paid and there was a credit balance on the credit card. Without letting me know Bank of America has put a hold on the payment, though it has already cleared the account. XXXX days after making the payment I had to Call the Bank to have the hold removed. No reason for the hold was given.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Bank of America opened a fake account without my consent on XX/XX/. I have to make many calls and trips to branch office to get it closed. At first I thought it was because of identity theft and I have to close down all accounts with BOA and freeze my credit with the bureaus. It was until recently that I learned from the news that BOA was sued for opening fake accounts and trying to charge fees. I am the victim of BOA 's sneaky act and please urge BOA to compensate me for the damage. Thanks, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have 3 credit card accounts and a checking account with Bank of America. This complaint is specific to the accounts ending in XXXX and XXXX. On the XXXX of XXXX, the account ending in XXXX was paid in full through bill pay, set up from my banking institution ( XXXX ). At the same time, as there was an autopay active with Bank of America XXXX Bank of America also pulled the statement balance amount of {$11000.00}. The autopay transaction took place on the XXXX of XXXX after Bank of America was paid in full. A call was made to Bank of America on the XXXX of XXXX explaining the situation. The name of the representative that I spoke to is XXXX. During this call I was promised that the money that was pulled the second time would be refunded back into the bank account from which it was withdrawn. I was promised that they would escalate this case and have the money paid into my account in three business days. They had asked for proof of bank activity from XXXX to show the transactions. The proof was faxed to the fax # that was given. At this time, I had also brought up the fact that the other account ending in XXXX, though it showed as paid in full, the payment would not go through as the funds in my XXXX account were depleted because of this double payment. I was told that since this was Bank of America 's error, I will not see any interest charges on my XXXX account until this issue is resolved with the XXXX account. Having not received the funds back into my XXXX account, I had called Bank of America a couple of times, asking about the money. During one of these calls, I was told that there is no provision 4 a refund to take place within three days. The normal process is 10 Business days, and that I was misinformed. Towards the end of XXXX, I received a letter from Bank of America, dated XX/XX/XXXX that the monies that were withdrawn will be deposited back into my XXXX account. Having not seen the deposit I called them the first week of XXXX to inquire about the refund. I was told that for some reason that they will be issuing a check rather than depositing the money back into the XXXX account. Having not received the check either, I called in on the XXXX of XXXX and spoke to a representative by the name of XXXX XXXX. He assured me that the check was in the mail, and I should be receiving it shortly. I had even asked him for a check number, which he duly provided. In the meantime, I received another letter from Bank of America, dated XX/XX/XXXX stating that we would be issuing a check rather than depositing the money back into my bank account. Having not received the check as of the XXXX I called in again. This time insisting on speaking to a supervisor. Name of XXXX XXXX XXXX XXXX. He in turn put a stop-payment on the check that was supposedly issued and restarted the whole process of trying to get my money back by asking for the bank statement to be faxed again. Account activity was faxed again. I was told that it would take another XXXX business days for them to make a decision on whether to refund the money. Today upon reviewing my credit card statement pertaining to XXXX, I saw an interest charge of {$160.00}. I called in to Bank of America again and spoke to a representative by the name of XXXX. XXXX explained to me that he will escalate this case and have Bank of America send me a decision via e-mail within XXXX business days on whether they can remove the interest charge. Unhappy that he was not able to remove the charges right away and his explanation that interest charges can only be removed once they are posted in the account and that the decision to refund the interest charge could go either way and I would not have any recourse if the decision is not in my favor, I asked to talk to a supervisor. I was patched up with a supervisor by the name of XXXX, who refused to give me her last name what was comfortable giving me her XXXX XXXX XXXX. XXXX told me categorically that since these interest charges pertain to a different account rather than the account that had the issues, it is my obligation to pay the interest charges as agreed upon in the terms and conditions of the credit card contract. There is simply no way that they will waive those interest charges in spite of the fact that I was misinformed by two representatives of Bank of America, XXXX and XXXX XXXX that there will be no interest charges on this account ( XXXX ) until my refund is credited back into my bank account. She just said that they will do agent retraining for their department, within Bank of America, but it is absolutely my responsibility to pay for a credit card in full, to avoid interest charges. She also told me that had I not paid the minimum due on the XXXX account, they would have reported it to the credit bureau. Please note that it was I that volunteered to pay the minimum, just to be safe, when I had the conversation with XXXX XXXX, and not advised by any rep to do so. Today is the XXXX of XXXX, 35 days from the day I called in to request the refund of my money that was withdrawn by Bank of America, in spite of already being paid in full. I'm yet to get my money back. On top of that, I am required to pay the interest charges on the XXXX account despite all promises that I will not face any interest charges because of an error committed by Bank of America in depleting my Bank account of funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01545
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was hired for a company and I received two checks for work. I put my checks in the bank and was told it was for computer supplies and tools. I have never worked online before and this was my first expericence. I received a call from the actual company and was told there was many wire fraud and money laundry. I went back to the man who recurited me and my money was out of my account. I went to my bank and told them what happend with all the check information and names. The actual company filled me in and told me there was a investigation in progress with the person who has been doing it. I talked to everyone I needed to and sent in multiple copies of evidence. My bank said they will look into it to get my money back because they took all the money out of my account and left with nothing. I was sent back that my request was not approved because I authroized the pay outs and I did not, they stole money from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have been a victim of fraud from Bank of America, someone opened an account with my name and social security number and has stolen my identity cause the Bank allowed this to happen. I was also charged high cost also which make me a victim of bad credit, I have to freeze my credit so the thief 's want us my name anymore which I can use either. I called the Bank of America, and they just told me that some kind of investigation was going to happen, but I have not heard anything from them as of now. I'm deeply disappointed. I should be confiscated for my problems and looking for someone to help me with the matter. my email address is XXXX. Please help me with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A