Date Received: 2024-01-26
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
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: Problem using a debit or ATM card
Consumer Complaint: Unauthorized email account that was been use as primary email. For few months I found out few weeks ago .and I made changes, and put back my email as primary. But forget to take pic of the other email. So I log back in to take pic and it was no longer there. So I call customer service for bank of America to ask a copy of the email that was pasing as my primary email. And they claim is not there anymore I been gone the lady said. I insist that they must have a a record of it. But was denied. I even ask the lawyer I had for XXXX XXXX about it he claimed that he wouldn't do such thing without asking me first. He is no longer my lawyer either
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
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: Funds not handled or disbursed as instructed
Consumer Complaint: Previously I transferred about XXXX USD from my checking account to my credit card by mistake. XX/XX/XXXX, I called Bank of America ( XXXX ) to request a refund of this overpayment. The telephone agent helped me initiate an online refund to my checking account. And she told me that it will take 7-10 business days. Then I wait. Today ( XX/XX/XXXX ), I still haven't received the refund and the money still stays on my credit card balance, which is against the law : the creditor shall refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer - 12 C.F.R. 1026.11 ( 2024 ). I have already made a complaint on XX/XX/XXXX. BofA called me on XXXX XX/XX/XXXX, but I didn't answer the call because I was attending a course. After the course, I called her back, but there was no reply ( about XXXX ). And she still has not yet called me back until now! I don't understand why this is so hard to transfer my own money. Why it takes so long???!!! Over 7 business days, of course, even over 10 business days!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15213
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: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Hello, I reporting Bank of Americas unwillingness to refund a fee. I was assessed a $ XXXX Monthly Maintenance Fee on XX/XX/24 due to the time timeframe of my banking billing cycle and employers direct deposit not having correlating schedules. After exhausting all levels of communication regarding this issue, no progress could be made on a resolution. Its was stated that because the fee wasnt a bank error that it could not be refunded. I took time to understand how the fee was assessed and make the appropriate actions to avoid future scenarios. It is very disappointing that the bank is willing to understand the customers perspective and uphold the value of their customers assets with their company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
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: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ) ( section 6 0 4 a section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
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: Applying for a mortgage or refinancing an existing mortgage
Subissue: Trying to communicate with the company to fix an issue with the application process
Consumer Complaint: The statute of limitations on my mortgage expired and I previously filed a XXXX XXXX and received a discharge. I have a pending appeal and the servicer just processed an application for mortgage assistance without my authorization. I did not request mortgage assistance as it would reaffirm the debt. This was a deceitful tactic to reaffirm my debt. They felt that if I did not respond I would consent to it when I no longer have no obligation to repay this stale debt of almost 20 Years now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I closed my acct with BofA dueto long wait times on phone. I have a credit bal of {$7.00} and have spent 2 hours on the phone tring to get them to send me the money i overpaid. They have promised then didn't deliver. Now every time i call they insist on a long list of identifiers then promise again but it never comes. In my opinion when you close your acct they should automatically mail out any credit bal on that acct, not make you beg and then still not give you your money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
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: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Re : Uncorrected Void Transaction on Bank of America Prepaid Card I am writing to you today as, a recipient of California State XXXX benefits who utilizes a Bank of America prepaid card for my financial needs. I am writing to express my deepest concern regarding a recent voided transaction on my card and the subsequent, unacceptable failure to credit the funds back to my account. On XX/XX/2024, XXXX transactions of {$50.00} occurred on my card issued by Bank of America. However, this transaction was subsequently voided by Colorado Secretary of State, a government agency. Despite this, the funds have not been returned to my account, leaving me in a precarious financial situation with limited access to the essential resources my XXXX benefits provide. This delay in rectifying the error constitutes a violation of several state and federal regulations, including : * **California Civil Code 1749.45**, which states that prepaid cards must be credited with voided transactions within 48 hours. * **Regulation E of the Electronic Funds Transfer Act**, which guarantees consumers the right to dispute unauthorized transactions and have the disputed funds credited back to their account within 10 business days. * **The Consumer Financial Protection Bureau 's Electronic Fund Transfer ( EFT ) Rule**, which reiterates the requirements for prompt crediting of voided transactions and emphasizes the vulnerability of XXXX recipients relying on electronic benefits transfers. Furthermore, Bank of America 's inaction has caused immense hardship for me as I am out of town in Colorado. As a recipient of XXXX benefits, every dollar is vital for securing her basic necessities and maintaining my well-being. This uncorrected error has left me facing : * **Financial distress : ** The missing funds create a significant burden on my limited budget, jeopardizing my ability to afford essential expenses like food, medication, and transportation. * **Emotional distress : ** The uncertainty and stress surrounding this issue, particularly for someone dependent on these benefits, can significantly impact my XXXX and emotional well-being. * **Loss of trust : ** This episode erodes my client 's trust in Bank of America as a reliable financial provider and leaves her questioning the security and effectiveness of the prepaid card system for XXXX recipients.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2024-01-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Dear CFPB, On the XXXX of XX/XX/XXXX, at XXXX XXXX, I went to XXXX, XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX bank of america to deposit a sum of XXXX XXXX through ATM machine. All my money was XXXXXXXX XXXX XXXX ( XXXX XXXX ). There are two ATM machines in the XXXX, one on the left ( placed lower ) and the other on the right ( placed higher ). I deposited the Money in the ATM in the right ( the higher one ). The XXXX XXXX XXXX XXXX Assistant vice president XXXX XXXX, XXXX. greeted me and said i want to make a deposit. So i went to the ATM machine and made the deposit. I inserted the entire sum together but the machine rejected it, so I tried again by inserting XXXX by XXXX then XXXX bills. I saw on the screen the count as XXXX ( which I thought it's the number of bills i inserted ). i clicked ok ( confirming ). I check my app and found nothing deposited yet. I said to myself it might need sometime to update.So i went for a walk near the washington monument. I checked my app ( bank of america app ) again and again. by then i realized there is something wrong. So I went to straight forward to the same branch. The manager ( XXXX ) again geeted me " weclome again ''. I told him what happened and showed him the receipt. he looked at it and said i have to call the phone number on the ATM ( fraud Department ). I did. The customer service agent told me that my claim is registered and that they will issue a " provisional credit '' within XXXX hours while they continue the investigations. Initially i was leaving XXXX that day, but because of this I had to extend my stay for another day hoping they will resolve the issue. I waited 24 hours, checking the app the time, but nothing happened. the next day, I went back to see the manager who again told me that they are still on that 48 hours window so all what i have to do is wait! I nothing happened he will call himself and ask " what's going on '' and I have recording of our conversations. I called customer service to accelerate my claim and vow for quick credit release while they solve the issue, only to realize that the customer service actually created a new claim, which mean she duplicated my claim. and that cost me to wait untill money because we where on XXXX by now. On the XXXX, XXXX I went back to see the manager ( XXXX XXXX, XXXX ) again, he made few calls. I also saw him opening the ATM machine along side the front desk guy who I don't know his name ( a tall white guy empolyee ). When i saw them opening the ATM and retrieving it's content in a XXXX XXXX. I though they are going to find my money. Only to again be frustrated that he said they will need 45 days to 3 months to finish the investigation. But he also said, " I will personally apply for provisional credit for you because I can see you have an upcoming travel '' he asked me how much do I need : " I said at least XXXX XXXX to cover my expenses during my wait time '' I was counting on the 10 days legal timeframe that they have to respond to my claim. but he lied to me. I then asked when will this be placed on my account. He said XXXX to XXXX hours. he gave me his number and said if not released by XXXX XXXX, call me. Indeed, nothing released so I called multiple times without a response. so he lied and could not even answer my calls and tell me the reality. next week I called frond desk and asked to speak with him. they always say he is in a meeting ( a lie of course ) and they said leave us your number so he can call you back. he never called me back. anyway, I went to bank of america XXXX XXXX XXXX, XXXX, VA XXXX, to ask what can i do. they said you can only call customer service again. this time the customer service said that my provisional credit was denied without giving me a reason and assured me that i can only wait XXXX business days to receive a resolution. on the XXXX XXXX i received a message online saying that my claim was denied without further explanation. I called back customer service to appeal the decision, the lady sweared she will take care of my case and said they will issue credit ... ( the same story told again ). I knew she got it wrong. i asked for an appeal not to file a new claim. So i called another agent and asked him about my case and what the former customer service did : did she file and appeal or a new claim. he said she filed a new claim. which in of itself is wrong. so I told him to cancel it and file an appeal to the decision instead. he did cancel the new claim but referred me to another department to appeal the decision. the new agent said she reoppened the case which according to her is an appeal. the next day ( XX/XX/XXXX morning ) less than XXXX hours, I received this message : XXXX, we're unable to approve your recent claim. Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : We found the transaction you referenced but were unable to locate any record of cash or additional cash being deposited at the ATM for {$3100.00} between XX/XX/XXXX and XX/XX/XXXX. For updates on your claim If you'd like copies of the documents we used to make this decision, please call us at XXXX, XXXX through XXXX, from XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please have your claim number when you call. Thank you for your patience during our review. '' I email the bank manager to ask what should I do but never received a response. Having exhausted all my solutions and procedures with the bank, I can only resort to CFPB authorities to make a throughout, deep, transparent and independent investigation to resolve my issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20110
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: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: This problem has been going on since the beginning of XXXXor the end of XXXX when everyone got put on state emergency due to covid 19 i had help applying for my unemployment benefits because this was new to me I have never had to apply for stuff like this I always have help from my heath doctors or family. Well this time a friend of a friend helped me to apply said i will get an answer of approval immediately. After completing the application they said i got denied when not to long after i called and spoke with edd and they couldnt help me because someone had set up my account with information i could not verify cause i never set that up. After getting that resolved and going through so much hassle to verify myself i was told someone collected over XXXX of my covid relief benefits that my claim was in fact approved and paid the address that was on my account I was unaware of never lived there or knew anyone that lived there. I was told to contact BOFA to start a claim the next day because XXXX was going to update my information to the correct information. After I called BOFA BEING ON THE PHONE FOR HRS AND HRS TO GET HUNG UP to be treated very poorly I had opened a claim one day and being told the next day it's closed this went on for months and months I had to be with out food without light gas and almost without a roof over my head due to this and having no means of income. Everytime my claim was denied I reopened it I asked for them to please send me the proof of why they denied it and they never did. I have submitted police reports copies of my driver 's license my rental agreement everything and anything to help get this resolved. To this day im still being denied and I was sent a letter saying XXXX isn't gon na be using BOFA anymore and I'm scared of what's gon na happen to my money that I am owed how can they just allow this to happen and not fix it. After this long battle back and fourth for so long BOFA REFUNDED MY CARD WITH THE AMOUNT OF XXXX SAID THAT THATS THE AMOUNT THEY FOUND IN ERROR. AGAIN I ASKED FOR PROOF NEVER GOT IT WHEN I ASKED HOW DID THEY FIND THAT AMOUNT TO BE ERROR AND NOT THE REST THEY HAD NO ANSWER FOR ME. I SPOKE WITH SUPERVISORS DAILY AND WAS ALWAYS TOLD DIFFERENT INFORMATION I PUT IN SO MANY COMPLAINTS ON THE WORKERS THIS IS NERVE WRECKING AND STRESSFUL ESPECIALLY WHEN IM GOING TO FOOD BANKS TO GET FOOD BECAUSE I HAD NO MONEY BECAUSE OF THIS I PUT IN HARD SHIPS ASKED FOR THEM TO EXPEDITE MY CLAIM DUE TO EMERGENCY. AND THEY STILL DENIED MY CLAIM AND I HAVE TOLD THEM MORE THEN ONCE PLEASE REVIEW THE CAMERA FOOTAGE STORE FOOTAGE ANYTHING THEY POSSIBLY CAN BECAUSE I NEED MY MONEY ITS BEEN A FEW YEARS NOW I REQUESTED A NEW CLAIM IT GOT DENIED AGAIN I REALLY NEED SOMEONE TO LOOK INTO THIS GOOD BECAUSE I WAS A VICTIM OF IDENTITY THEFT A VICTIM OF FRAUD. AFTER A FEW YEARS OF THIS MESS THE DISTRICT ATTORNEY VICTIM UNIT CONTACTED ME THROUGH MAIL THE LETTER STATED SOME GUY GOT ARRESTED FOR HAVING MY PERSONAL BELONGINGS IN HIS POCESSION AND IS BEING PROSECUTED FOR IDENTITY THEFT.along with alot of other charges I let BOFA KNOW ABOUT THIS NEW INFORMATION AND THEY ONCE AGAIN DENIED MY CLAIM DIDNT WAN NA HEAR ANYTHING I WAS SAYING PRETTY MUCH SAID THEY WOULD REQUEST I BE SENT THE RESULTS OF DENIAL AND AGAIN NEVER DID. THIS IS MY LAST HOPE I REALLY NEED HELP FROM YOUR OFFICE TO GET PAID BEFORE ITS TO LATE I NEED MY STORY TO BE TOLD AND HEARD. DO I GO TO THE PRESS DO I GET MY ATTORNEY INVOLVED I AM AT A DEAD END DONT KNOW WHAT ELSE TO DO OR WHO TO GET TO HELP ME GET TO THE BOTTOM OF THIS. PLEASE HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93458
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A