Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: So on XX/XX/XXXX of 2023 I had in my account {$2000.00}. I sent them overseas through XXXX the person received the money and got it but I noticed on my account three days later that my account has XXXX and so I was from where did I get this money? It turned out they are charging me {$2000.00}. They also send it to Collection so I can pay it without my permission without me knowing without me knowing anything to be honest I was just so shocked how this bank treats customers because I dont know whats going on. I dont know these charges. How are they going? How is what? whats happening? This Bank drove me crazy, that I opened a new account with a different bank I couldnt handle the stress because of the fees and I didnt know how was the money out and back into my account and then with a minus and then it was not clear it was not clear at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48126
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My checking account closed out and the funds in my savings account have not been released. I have been calling the bank every day with no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Other transaction problem
Subissue:
Consumer Complaint: I wired {$20000.00} from my XXXX account to below detailed recipient but their account has not been withdrawn. The request for the refund has been rejected by their bank. I need legal help. Wire transfer information Date : XX/XX/2023 Account Name : XXXX XXXX Street address : XXXX XXXX XXXX XXXX, NY XXXX Recipient Account information Account Name : XXXX XXXX XXXX XXXX Account Number XXXX XXXX Receiving Bank Information Bank of America Association Address : XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX code : XXXX I emailed Bank of Ameria but never got response. I also contacted XXXX but XXXX gave no response either. I filed the complaint on XX/XX/XXXX but no action was taken. XXXX states they have been waiting for Bank of America to respond XXXX message. The person in charge of this case at XXXX is XXXX, the contact is XXXX ( XXXX ) XXXX. Her extension is XXXX, case number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11106
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: BANK OF AMERICA XXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. Because of this apparent neglect in assuring everything in my report accurate, consistent and up to date please " DELETE '' this item immediately : BANK OF AMERICA XXXX When the requested above deletions are made, please mail me an updated copy of my credit report. This account has been reporting on my credit report in over seven years it should have been dropped off, but still being reported as a charge off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
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: On XX/XX/2022, I received a notification from XXXX XXXX XXXX XXXX about an Account I opened with Bank of America. I was shocked and immediately called XXXX to let them know I did not opened an account with Bank of america. They directed me to contact Bank of America ( BOA ). The rest of my complaint is on a written statement uploaded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
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: Last summer, in XXXX, Bank of America opened an account under my name. I was able to resolve the issue, and freeze my credit. My credit has been frozen since, which I verified today, Friday XX/XX/XXXX. Yesterday, they opened a fraudulent account in my name. Thursday, XX/XX/XXXX I received two emails from Bank of America : one titled " Online Application is in Progress '', for a Bank of America XXXX XXXX Banking Account ( which is a checking account ). The second email I received was titled " Your application was approved '', and the body reads " Your new account is open Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : '' This should not be possible because my credit is frozen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with non-monetary relief
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 continuously debits my account for a reversed dispute on an old account that they are trying to collect on. They continue to take any direct deposited funds from my account and place a hold on them before taking them to apply payment to the negative account without my permission or consent. I receive XXXXXXXX XXXX and have to account for all monies spent/debited and this is not an approved task per the policy. I have consulted with Bank of America several times about this and expressed that I was a recipient of XXXXXXXX XXXX and their response was that there is nothing they could do. Current date XX/XX/2023 deposit amount {$97.00}. Bank of America debited amount : {$86.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38128
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33626
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: Fee problem
Consumer Complaint: I am signed up to receive email notifications when my business account has insufficient funds. However email notifications consistently arrive too late to properly cure. Often overdraft fees have been assessed prior to receipt of the email. For example, it appears that my account went into overdraft on XX/XX/XXXX ( perhaps earlier ), I noticed a fee the next morning on XX/XX/XXXX, and received the email notification the afternoon of XX/XX/XXXX. This email notification system is pointless and is a deceptive practice. This is the second instance of raising this issue with CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 141XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I disputed a transaction for a charge at a hotel that I did not stay and had to go down the street and get me another hotel the same night because the hotel booked was not working properly and had none working appliances as stated by the attendant. They said they canceled the reservation through XXXX but I never received my refund. I disputed the transaction and bank of america did not honor the dispute, which was not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A