Date Received: 2023-07-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Bank of America charged multiple times for overdraft fees and would not resolve this. Example -- XXXX $ twice. XX/XX/2022 XX/XX/XXXX, {$35.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33647
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: Trouble during payment process
Subissue:
Consumer Complaint: R was between XXXX to XXXX. I have a line of credit with BOA. They charge me for high interest rates and fees. I feel I was charge more than I have to pay. No one in the branch at this time give me any documents help me to understand By the end I had to do refinance with other bank and close this account, but that cost me a lot
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22152
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 on XX/XX/2023 sent me an email with my email and other crucial information stating I tried opening an account. Two people are involved in this. My email and my mother, witch are linked in several cases for I am her caregiver in stage XXXX XXXX in the the state of Michigan. I get this email AFTER the news report comes out of Bank of America doing this and the CFPB fining them. Saturday XX/XX/2023 at XXXX. I freak out because of my inaccuracies in Florida and other stolen identies. They are impossible to get a hold of. By phone, by fm, by email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49024
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: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I made a XXXX cash transfer {$1900.00} $ on XX/XX/2023 for my children 's educational and daily expenses to the wrong old phone which was our family member 's phone. The phone number was changed and I am not informed about the change. I tried several times contacting the receiver, XXXX XXXX XXXX and the Bank of America but the receiver, who took my transfer mistakenly blocked our calls. Bank of America, XXXX XXXX CA XXXX, branch XXXX XXXX XXXX XXXX and XXXX called and left messages several times to phone number XXXX ( XXXX XXXX XXXX XXXX but she did not answer or call back to Bank of America. I also called XXXX support but there was no solution to help me. We received letters from Bank of America saying " We recommend contacting the receiver of the funds for further assistance ''. She does not want to pay back money which the owner, I don't intend to give her.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 911XX
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 with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I filed two disputes with Bank of America about a purchase two separate purchases made with XXXX XXXX line. My husband and I took a cruise to Alaska in XXXX, however the original itinerary changed 3 separate times. We paid, in FULL, prior to our cruise. The original itinerary included stops at XXXX, Alaska ; XXXX, Alaska ; XXXX XXXX XXXX ; XXXX, Alaska ; XXXX, XXXX XXXX and finally back to XXXX, Washington. XXXX notified us that we would not be stopping in XXXX because of the landslides. We also did not port in XXXX because the weather was bad and we couldn't get close enough. One port was replaced with a different location, XXXX XXXX XXXX. While I understand things happen, I did pay over {$3200.00} for this once in a lifetime time trip. Not to mention that we had planned on our engagement pictures being done in some of these places. The second dispute was with the spa on the cruise. On XXXX, I booked service that included a deep tissue massage as opposed to a regular XXXX massage. The lady refused to do a deep tissue massage and only wanted to do a XXXX. During this service she decided to XXXX XXXX XXXX which made me incredibly uncomfortable as I was on my XXXX during that time. I would bring my XXXXXXXX XXXX XXXX XXXX XXXX XXXX and she would move XXXX XXXX XXXX Totally unprofessional as I have been a XXXX XXXX XXXX for over 20 years and she could have XXXX XXXX XXXX XXXX XXXX XXXX XXXX The therapist admitted that she was not a licensed massage therapist. All of this could have been avoided if XXXX and the Spa would hire licensed therapist 's that have actual training in not crossing personal boundaries. The price was supposed to have been {$170.00} however the forced me to tip {$40.00} extra which I told the XXXX XXXX to remove all tips as we prefer to tip cash. They did not. I was instead charged {$220.00}. I did try to speak to the Spa Manager after the service, however no one was at the front desk when I checked out. I filed a dispute with Bank of America and sent them a letter explaining what happened. XXXX and the Spa 's response was that I just because I didn't like the massage, I wanted my refund. Had I know I wasn't going to get a deep tissue massage, I wouldn't have even bothered booking the appointment. And I definitely would not have booked had I know the therapist was going to be unprofessional. XXXX passed off to the spa headquarters in Florida and I have yet to have been able to get ahold of anyone. I simply requested a partial refund since we were charged for services not rendered and charges that included port fees and taxes even though we did not port. I do have proof of my interactions with XXXX and can supply them upon request as well as the changed itinerary. I feel like Bank of America has no interest in pursuing this dispute as they will not be able to collect the interest from this charge. Any help would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have a credit card with a Bank of America Gas reward, but even though I use this card a lot pumping my gas I don't receive adequate amount on my 3 % rewards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08080
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A lender ( XXXX XXXX XXXX ) withdrew a specific amount {$750.00}. From my personal checking account, after they were already paid in full for the loan. I notified the bank, and they still authorized the transaction causing my account to be over drawn - {$750.00}. They are still charging me monthly maintenance fees as well. This is disheartening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Good morning sir/mam, my name is XXXX XXXX and my maiden name is XXXX XXXX.I opened an account with bank of America in XXXX.When they first opened my account they merged my account with some bank other person who had the same name as mine. I realized when the woman directly sending messages to me and asking me who am i? i didnt know what was happening the very next day morning i went to the same branch where i opened my account and i told them the whole story. They said your account was mistakenly merged with the other person.Hows that possible when i provided my social.They somehow fixed it and i started operating my own account.Everytime i could see multiple fee or overdraft charges and and it happened XXXX times that once they took XXXX XXXX out of my account.I went to the branch and asked them where my money disappeared and they issued a ticket to investigate where could the money go but i never heard back from them and once it happened that an amount of XXXX got withdrawn from my savings account.It was a day before my marriage when people have plans and things to be done.On my wedding day i had to borrow l money from my friends because Bank of America let go my {$7000.00} from my savings account without notifying me.I dont know where any of the money go.After XXXX i didnt keep much money in my account and they were always putting overdraft charges and many other additional fee that i couldnt afford paying.One day i just got a letter that my account is in negative because i couldnt able to maintain the balance in my account.I couldnt open the account anywhere else for so many months because other banks used to say i have to pay the negative balance to bank of America to maintain the bank history.I am so terrified now i dont keep any account i have a fear they just take out our hard earned money.Recently i got to know that there were so many other victims like me who reported to the CFPB who are eligible for compensation from Bank of America.I would request a sincere help from CFPB to investigate if I am eligible for this compensation too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Since I opened an account with Bank Of America I have not received any cash back rewards. Also they opened a credit card with my name saying there is {$2500.00} limit without my permission and they did not send me this card they also keep overcharging me fees monthly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/, I traveled on Spirit Airlines ( Bank of America ) from XXXX XXXX to XXXX XXXX with one backpack to avoid paying any bag fees. My backpack was approved by the ticket agent and at a secondary bag inspection point. Upon boarding the plane, I was pulled aside and informed that I would now have to pay a {$99.00} fee because my backpack was too large, even though it already approved and was within the dimensions dictated by Spirit Airlines. I reluctantly paid the {$99.00} and boarded the plane. Upon returning home, I was able to board the plane in XXXX XXXX with the same backpack without having any issues ; my bag was Free as it should've been in my departing flight. I made a complaint with Bank of America and on XX/XX/, Bank of America denied my complaint and approved the {$99.00} charge stating that Spirit Airlines had the right to request payment for services rendered. Bank of America and Spirit are in business together. Without Bank of America, you can not have the Spirit card, and vise versa. Bank of America stated that their decision is final. So now I have to pay {$99.00} for a backpack that should've been Free. I believe this is a scam utilized by Sprit Airlines and backed by Bank of America. I have the departing and returning tickets, fees and correspondence from Bank of America. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-07-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A