Date Received: 2024-01-26
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I moved from XXXX to XXXX and attempted to title and register my car in XXXX. XXXX DMV asked me for title. I reached out to BOA for assistance, but they did not take any action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22043
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have Bank of America Credit card where currently I get 3 % transaction fee for balance transfer or Direct Deposit offer. Recently I started getting message that it will be increased to new rate of 4 % of each transaction, unless I contact them to reject by XXXX XXXX 2024. When I called Bank of America to reject the new fees of 4 % I was informed that it would lead to cancel the credit card. Which means I have no choice and this is a forcefully new fees raised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32211
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: We contracted with XXXX XXXX ( aka XXXX XXXX XXXX ) to load, transport store and deliver our household goods from XXXX XXXXXXXX XXXX XXXX XXXX. The loading agreement included 3 hour per container to load each of our 4 containers. Once the move was complete we received a charge on our Bank of America credit card that included {$1000.00} for 10 hours of in additional labor to load that was not provided. We requested a credit from both the merchant and B of A. We also requested all documentation and receipts from the merchant. The only thing they included was an Additional Services form listing optional services which we did not agree to. We were told on the phone that the number 10 in the line total column meant they spent 10 additional hours loading the containers. Notably absent on the form is start and stop time, quantity and my initials. The merchant offered {$300.00} credit leaving {$700.00} in unauthorized and I believe illegal charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Filed a dispute for transactions that were not mine and was denied and the documents the transactions on my account that was disputed was not consistent with my purchase history
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95961
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX Thursday around XXXX I used a Bank of America ATM to deposit cash into my Bank of America business checking account ( location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX ) Amount {$1800.00} ATM # XXXX After inserting cash, atm screen went black, then appeared to reboot ( XXXX logo appeared, and blue error box appeared in upper right hand corner, went black again and then after a few minutes displayed machine temporarily unavailable message ) My card was returned to me but no receipt was dispensed and I was not able to complete transaction even though my money remained in the machine. I placed a call to the number listed on ATM ( XXXX ) XXXX and spoke with XXXX, call starting at XXXX. He stated he filed the complaint and that an investigation of that machine would be initiated. He gave me the number to then file a claim for the missing money. Call # 1 to Claims Department ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX in North Carolina Claim was started but she stated she was unable to complete due to computer issues on her end, requested I call another agent to complete my claim. Call # 2 XXXX in Michigan XX/XX/XXXX XXXX She stated that she completed claim, and emailed a B of A page link on how to look up the status of my claim online ( which was irrelevant and not helpful because I have to have a recorded transaction in order for that system to recognize a dispute ) Stated I would have a credit in the amount of {$1800.00} in 1-2 business days. Call # 3 XXXX in Arkansas XX/XX/XXXX XXXX I familiarized her with my situation and notified her that I had not yet received any funds/credit and requested an update. She stated that my claim was never completed and that the reason stated was due to a dropped call, which was innacurate. She then stated she would redo my claim and submit, and provided me with a claim # XXXX She also stated that she could see that the investigation into the ATM had been started and that they were able to confirm my being present at the machine at the day/time I stated, and that the money was found. She explained that the next step was that the money would need to be reconciled with any other disputes that occurred to conclude the investigation. I was again informed that it would be 2 business days to receive my credit. Call # 4 XX/XX/XXXX XXXX XXXX in Arkansas Employee # XXXX I explained my situation again, and notified her that I still have not received any credit/funds. I stated it has now been over a week, and that I was told over and over that it would take XXXX business days. She stated that I had been misinformed, and that it takes 10 business days and I am to expect funds on XX/XX/XXXX after the investigation has been concluded. I informed her that I had rent and bills to pay and can not, and should not have to wait so long to get my money. She stated that she would put an escalation on the claim, and a Same Business Day request on it so hopefully I would see funds by the end of business that day. Call # 5 XX/XX/XXXX XXXX XXXX in Arizona XXXX # XXXX I explained situation yet again and requested status update on escalation. He stated that he could the see escalation was started just under 24 hours prior, and that it could take up to 48 hours to process and that if the investigation isnt complete then I would not get credit/funds until the 10 day ( XX/XX/XXXX ) mark. I requested copies of my claim and any information recorded regarding this incident and he stated there was nothing available to provide, and that I would need to have a subpoena for the investigation. In-person Branch visit XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX Business Solution Advisor XXXX XXXX XXXX XXXX ( XXXX ) XXXX I explained the situation to her again, and she placed a call to claims center to see if she could get a better resolution for me. She spoke with XXXX XXXX XXXX # XXXX He stated that he noted complaints, but there was no escalation put on the claim. He said it would take 2 business days to credit my account, but that the escalation was now added and that it would be viewable online under Message Center in my online banking account within XXXX minutes. It is XX/XX/XXXX at XXXX and it is not viewable Sent email to XXXX to notify her of this and awaiting response and advice. This has been a complete breakdown of operation, policies, and customer service. I have been misinformed, misled, work that is stated as done is not being performed. I am being penalized and my money is being held from me through no fault of my own and the time and inconvenience of it all has been unacceptable. There is no continuity in service and no accountability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Other transaction problem
Subissue:
Consumer Complaint: I encountered an individual on the XXXX messaging application with the XXXX XXXX, who later identified herself as XXXX on XXXX XXXX XXXX After a month of casual online chatting, she gained my trust, presenting herself as a wealthy individual with connections in international trading, particularly in gold. She introduced me to the prospect of investing in international gold trading using the XXXX account on the XXXXXXXX XXXX. Under XXXX 's guidance, I opened a XXXX trade account on XXXX XXXX XXXX and made an initial deposit of {$9900.00}. Subsequently, I deposited additional funds totaling {$500000.00}, following instructions provided by XXXX through XXXX messages. The account showed substantial profits, and to further gain my trust, XXXX facilitated a nominal withdrawal of {$100.00} on XX/XX/XXXX. However, upon attempting to withdraw larger amounts on XXXX XXXX XXXX XXXX, my requests were refused, and I was informed that my account was locked. Upon further investigation, I came across articles exposing scams involving fake gold trades, leading me to believe that I have been a victim of such fraudulent activities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94520
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-27
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: Today, Friday, XX/XX/year> at XXXX XXXX, I received a message from Banco de Amrica, arguing that I owe a debt on their company. I currently do not have an ID, I am in the process of being granted asylum before immigration. Subsequently, I went to the agency to report the fraud of the message. Then to the police agency in XXXX, he told me to only block the number that the fraud attempt is feasible. I attach the message sent to my cell phone. I attach the message sent to my cell phone : CA EDD ACH created a group in XXXX XXXX with you and 10 other participants. Reply to chat or # help for tool tips. Adding this contact card to your contacts will help you identify the group profile. D :, XXXX XXXX.. eddpreactiveprocessing.glitch.me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90260
Submitted Via: Web
Date Sent: 2024-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Long story short, while on vacation in XXXX XXXX, LA, I was robbed on the early morning of New Years Day of my phone and wallet. Before I could cancel all my credit and debit card accounts ( since I got locked out of everything immediately ), the thieves stole around {$14000.00} via ATM withdrawals, XXXX shopping sprees, XXXX transfers , etc. After promptly going to the police and notifying all my banks within hours of the theft, I have only received about half of the money stolen back. XXXX and XXXX XXXX reimbursed me right away with fraud insurance. However, there is still roughly {$7400.00} remaining of unauthorized transactions with Bank of America checking account ( and via XXXX on the B of A mobile app ) that has not been returned to me even though I never authorized any of those transactions whatsoever and did everything I could to notify B of A as soon as possible. I filed a fraud/theft claim with B of A on XX/XX/24 and they rejected it on XX/XX/24 ( after little to no investigation/interaction with me whatsoever ) stating " We're unable to approve your recent claim [ because ] .... the charge was authorized by you or made by someone who has permission to use the card or account '' which is an utter and complete lie. I filed an appeal trying to make it crystal clear I did not permit any of the stated transactions on XX/XX/24 ( with a turn around time of approximately XXXX business days. ) Fortunately, on XX/XX/24 XXXX of my 3 claims was credited back to me ( on XX/XX/24 I was owed {$9800.00}, now it's down to about {$7400.00}. There are still 2 ongoing claims with 2 different departments all within B of A ) but I wanted to get a CFPB claim started now based primarily on the large amount of money involved and how little due diligence was performed by the B of A Fraud Division prior to my appeal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95032
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a small business account with Bank of America in the XXXX of XXXX and closed that account in the XXXX of XXXX. There was a refund to that account after it closed. Bank of America sent me a check for the balance but made it out to my now closed business. Bank of America refuses to cash their own check. Bank of America has allowed deposits to this account in my name and my business name, since my name and the name of my now closed business are on the account. I've asked Bank of America to take the check back and reissue a check to me personally. Bank of America has refused to move forward in any way. As far as I'm concerned, this stealing. Any assistance in this matter will be greatly appreciated. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For the THIRD month in a row, I am opening a complaint with you over Bank of America. I made a deposit of one check today, XX/XX/2024, for {$10000.00}. I do this every month now, They have placed multiple levels of holds on it BEYOND Reg CC limits. See my attached receipts with hold information Again, the account is new, BUT I HAVE BEEN A CUSTOMER FOR OVER 33 years!!! The checks I deposit are from the same client, the XXXX XXXX XXXX XXXX and XXXX XXXX. So they have cashed 3 of their checks so far. This is the 4th.Clearly, the client has no problem with me cashing them! I want the hold lifted after two business days as required by Reg CC. IT is a LOCAL check. The client is based in XXXX, NY and the bank is XXXX XXXX. ( See the image of the attached check ) Also, they have a 99 day restriction on new accounts. That is why this is happening. BUT, I am a customer for over 33 years! And this is the 4th deposit I've made on this account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A