Date Received: 2023-07-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Bank of America closed my accounts with them and canceled my credit card which had {$1500.00} in bonuses on it. They would not give that money to me and denied me access to it. Basically. My account representative at Bank of America told me to go through them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Hello im no longer with bank of America I closed my account years ago. I had bank with them for years they had changed me XXXX of dollars overdraft fees and I called and explained to them the problem and they never corrected it. So I just close my account they really need to be responsible for taking all that money from their customers thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I get charge a monthly fee every month for XXXX since I opened an account they said they would charge me if I couldnt get atleast XXXX a month into bank account which I have always done
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33993
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Ive been with XXXX XXXX XXXX for over 20 years. They really charge me left and right from Mortgage account to credit card to debit card. Extra fee never receive my reward and so on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60459
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I first announced to all three credit bureaus that I NEVER applied to Bank of America for a credit card. This has been going on since XXXX, XXXX, I did file a fraud report ; however Bank of America is still on my credit reports. Every time I receive a piece of mail from Bank of America, I always return it to the sender. On XX/XX/XXXX, I received another piece of mail from Bank of America for which I wrote on it " I DON'T HAVE AN ACCOUNT WITH YOU! STOP SENDING MAIL TO MY HOME!! '' Now I find out that Bank of America, has been opening fake accounts in peoples name. I NEVER RECEIVED OR USED A BANK OF AMERICA CREDIT CARD. MY CREDIT REPORT SHOWS NO ACTIVITY. WAS THE CARD ACTIVATED OR WHAT!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was one of the victims of the Bank of America credit dard fraud. I have an email chain between myself and Bank of America, as well as phone conversations about a credit card that was opened in my name, and approved after I called BOA to state it was fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 478XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America extra charges Interest charges of purchases Overdrafts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Bank of America has been reported missing payment on my accounts- up to now that they eventually closed my account. Interest was growing pretty quick like XXXX in a year from XXXX to XXXX. I paid off XXXX XXXX chase XXXX autoloan capital capital XXXX credit XXXX. None any of them gave me a chance to hold for a couple of months. All interest and fee were never been removed or granted even if some of them promised to be reimbursed only after paid off. And I did pay off, except Bank of America. Attached documents are my Bank of America statements between XXXX. I have been with Bank of America since over 10 years. Not the best but never miss a payment until the pandemic came. I was affected and had to wait for check to come in as well as wait for checking for transaction frauds. My points are overdraft fees and international transaction fees that Bank of America had been charged on my debit checking account. Between XXXX approximately $ XXXX were charged even when my accounts was negative over {$1000.00} they let the transactions went thru pending, then reversed, and removed eventually. I called Bank of America and asked about the fee. Evidence of my request are the statements that showed they reversed me {$35.00} after they charged me {$1800.00}. Around XXXX XXXX. All my payroll direct deposit disappeared immediately. I asked bank to help me out with the fee and they did give me another {$35.00} as a courtesy for long time customer. They couldnt go over than 90 days by the way. Eventually around late 2021 they sent me a letter that to protect my account from fraud they had to switch my account to Denied all instead so only {$35.00} will be charged maximum a day. I had a letter here as well. So they switched automatically without me knowing. Let just say, I never know this function exist, I never physically sign on letting my debit account to be able to go negative over XXXX, choice never been presented, on that day that I know if I dont want to let all go thru I have to choose deny all option. So I ask how to choose that option when I never heard of it before. They said by default I choose standard which is all transactions must go thru, nsf fee will be applied to all failed payments. Every month I would have direct deposit that I never used and checked deposited to fix the negative amount. Solution never provide un till XXXX that my business stuck. No income, so Bank of America believed that I dont have any blood left so they took action to switch my account to deny all. Thats how I learn about overdraft protection. The funniest thing was Bank of America credit card department run auto payments a couple of times on my debit account even if they are negative. So I got charged for late fee and interest on credit card. And on debit card that was at least 2 nsf fee that comes from boa credit account. The worst time in XXXX I asked Boa to delay payments to get an answer that my record of late payment were too often therefore they couldnt grant me to pause payments. They kept reporting my credit scores. XX/XX/2021, I lost my job, call them again and ask for a pause to get the answer that XXXX must payoff immediately. Not a single time that because of those nsf fees about $ XXXX at that points, my vehicle got reprocessed, rents were behind, all credit card that I had XXXX, chase, and capital XXXX were reporting my missed payments since that points. If I ever had that fees back I could delay for just XXXX months. I would have all my fund back to normal. My XXXX XXXX went from XXXX to XXXX because of those nsf fees. Boa Credit card departments called me once and say I must pay off. So I asked them about unfair nsf fees situation and the answer was they are different departments. So I understand that part and said that I asked for a pause for 2 months since I send email asking Bank of America to refund my fees. Again, Bank of America credit card rejected my request to pause a couple payment because Bank of America debit checking account had nothing to do with them. Any fee or interest would not be reduced until I paid off. I paid off all my debt I left XXXX here. I am a victim of Bank of America. Fees - nsf fees that credit departments took from debit accounts while it was negative, and late fee on top. I gave up and let them abuse my credit scores. They ask me to pay interest and the fee that causes me everything. Imagine I couldnt find an apartment to rent even when I told them to pay deposit and first month upfront. Thats how bad my credit score was. I know you are different departments but eventually if my accounts were closed ( from negative balance debit and credit card debt ), will you send me to the different correction departments? I was once able to buy my car with 3 % interest. Not a single one of them approved me when I needed a car. My Credit scores were abused and I was forced to pay late fee, nsf fee and interest. Pandemic that all fees waived, they waived me about {$140.00} out of $ XXXX. I couldnt rent any apartments, couldnt buy a car, and couldnt get a loan or credit card from others issuers that I paid off. XXXX that I lost what I could do, lost opportunities that I had, and lost even a chance to rent a place and have to ask to leave with a friend. Bank of America never admit their faults, the class action for nsf fees I never get to be a part in anyone of them. Did Bank of America really send the real names on class action lawsuit about nsf fee. I love that Bank of America correction department uses CFPB words. By telling me to payoffs and they would think about reverse late fee 2 times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank of America use to charge me fees on my credit card for no reason I paid my credit on time and every few month they stopped my account and freezes it they said my immigration states I had to go to the branch and submit all the documents in the meantime I couldnt use my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18052
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received an email on XX/XX/2023 stating an application for a Bank of America XXXX XXXX XXXX XXXX has been submitted in my name, XXXX XXXX XXXX my maiden name ). This is the second time this has happened. I reported the first incident as well. Previously I called Bank of America and had them shut down any account I had in my name there, and they stated they had done so. Now another account is being opened using my information again though I did not do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A