Date Received: 2023-07-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: overdraft and charge me XXXX $ XXXX and time covid XXXX theydidnotsend my money the goverement help me andcharge XXXX $ every month without any reason make new crediet without igave any permisan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32712
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 features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Bank of america closed my credit card account and withheld my credit card rewards totalling {$4600.00} and also refused to refund my credit balance on same card for $ XXXX to the recent violations found by federal regulators i believe bank of america violated my rights under the consumer financial protection laws. I would like bank of america to issue my well earned credit card rewards as well as refunding the credit balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01752
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 your account
Subissue: Company closed your account
Consumer Complaint: Account opened XX/XX/2023 XXXX statement closed XX/XX/2023 Balance of {$60.00} due XX/XX/2023 Payment of {$5000.00} made via phone XX/XX/2023 XXXX statement closed XX/XX/2023. Balance of {$1500.00} due XX/XX/2023. XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$1700.00}. XX/XX/2023, I logged in to pay XXXX statement balance and discovered payment made XX/XX/2023 was reversed by Bank of America XXXX XX/XX/2023, and never posted to other bank account. Reason given was " chk return -- no signature '', but there would be no signature on a payment by phone. I was never notified of the reversal in any form -- I could have received an email, phone call, or text message. I only learned about it by checking my bank account dashboard online. Bank of America charged late fee of {$49.00} on XX/XX/2023. Bank of America charged interest of {$24.00} on XX/XX/2023. XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$5100.00}. XX/XX/2023, I made a payment via transfer from a company-related Bank of America business checking account, in the amount of {$500.00}. XX/XX/2023, the online dashboard continued to show a credit balance owed to BoA, so I contacted customer service for clarification. They informed me my account had actually been transferred to collections as past due. The customer service specialist agreed with me that there must be an error, and advised me to call back in 1 to 2 days to allow the system to update. I never received a notification regarding collections. XX/XX/2023, I received an email informing me that the credit card account was closed by Bank of America, with a reason to follow in writing. My account was just over 60 days old, never had a balance past due, and the system errors that resulted in apparently an automatic closure have left me with a closed account that has a debit balance of {$780.00}. In other words, BoA closed an account wherein they owe me money PLUS they charged me a {$75.00} new account annual fee, {$49.00} late fee, and {$24.00} interest on a balance that had been paid. Are they planning to mail me a check? If this is not bank fraud and deceptive practice, I don't know what is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97401
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On two different occasions in 2023 ( so far ), two different Bank of America bank accounts were opened in my name. Even though I don't do business with BoA, I've received 2 debit cards with my name on them - one in XXXX, and one in XXXX - both of them linked to accounts I never opened. After I received the first one, I contacted the Bank of America fraud department to report it. They closed the account and canceled the debit card linked to it. Luckily, there hadn't been any activity linked to the account. I figured my identity had been stolen, so I reported the incident to the police and I contacted the 3 major credit bureaus to get credit alerts and credit freezes. I thought this took care of the problem- and then it happened again two months later. Same situation, just with a different bank account number and debit card number than the first time around. I had to go through the reporting process all over again and the stress of wondering who has been using my information and social security number to open bogus accounts in my name. Yesterday, I heard the news about Bank of America being fined for defrauding customers. Now I am wondering if it was a BoA bank employee who did this to me and not some random creep searching through my garbage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
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: Problem with customer service
Subissue:
Consumer Complaint: So many hackers to my account no cash rewards to credit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was a victim of identity theft a few years ago, the way I found out was because I tried to open an account with Bank of America and there were several open. but I didn't open them. till today I still can't get any back to open an account for me and it's killing my credit. I told them it wasn't me and I had no clue what they were talking of. I did have the child support card that was sent to me by the child support office from Bank of America years ago. but that also was stoped and i'm not able to get another card ( why I don't know. I have tried everything and nothing works please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10452
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: Funds not handled or disbursed as instructed
Consumer Complaint: Bank of America dishonored a check I wrote to my client which caused my client to incur a {$12.00} fee. Bank of America refused to make good on the {$12.00} fee that was incurred. I wrote a check for {$41000.00} to my client on XX/XX/, and my client deposited the check into their account on about XX/XX/. Instead of honoring the check I personally wrote, or contacting me about any concerns Bank of America had before dishonoring the check, the check was dishonored on XX/XX/, and the funds returned to me. My client incurred a {$12.00} returned check fee due to Bank of America 's error. I have today, XX/XX/, tried to correct the issue and have Bank of America make good on the {$12.00} fee which their error caused, but they have refused to, and they will not make good on the costs their error caused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85201
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: Bank of America had opened a line of credit that I did not request to be opened. They revoked my primary business credit card. They failed to refund an over payment for that credit card when they closed or revoked that same card. They took all of the cash rewards that were available and earned on that card. They have done many other things to my business also. This has negatively effected my personal and business credit score. They refused to give me my cash back rewards that my company had earned. They said they will refund my over payment on that credit card the revoked. I have not seen anything yet. This all came to light XXXX. I will be doing some investigating on my part. The statements and documents are no longer accessible for me on some of the accounts now. I had been transferred to more than 5 Bank of America representative on the phone and nobody could give me an answer for for over an hour. I finally got an answer that didnt make any sense from a customer service rep. Then they told me they couldnt help me. I then requested they close the additional lines of credit that we I attached to my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97478
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 purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Since XX/XX/2023, I have contacted the Bank of America on multiple occasions, and requested that this bank stop charging me fraudulent charges for a trip that my wife and I took to XXXX from XXXX XXXX XXXX. As documented in the attached XXXX XXXX, I paid for this trip in full through a wire transfer. In fact, I paid more than the service was worth since the tour service was cancelled. Then, XXXX XXXX XXXXXXXX charged me four more times for the same service by credit card through Bank of America. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXXXXXX both charged me for the same hotel stay. The Bank of America has repeatedly refused to cancel these charges, and on one occasion an agent told me to me get a lawyer. Bank of america even discards faxes that provide documented proof of this fraud, and the bank dismisses my claims without considering this evidence at all. The Bank of America is currently defrauding me of {$23000.00}. The referenced XXXX XXXX provides a detailed table for all of these fraud charges and references to available fraud complaints and a referenced copy of an FBI crime report that have been filed and discarded by the Bank of America ( https : XXXX ). Fraud complaints are also attached with the FBI report enclosed. I published the following XXXX XXXX today, XX/XX/2023, to document this fraud against my family. The Bank of America Steals our Money - The Bank of America 's International Fraud against America The Bank of America- they are in your wallet. The Bank of America XXXX XXXX XXXX XXXX, and Bank of America employees falsify records in accordance with these policies to force customers to give money to thieves during fraudulent credit card purchases. The Bank of America Fraud The Bank of America implements two policies that directly defraud customers and falsify banking records. 1 ) To falsify records, if a customer is lied to and cheated by a merchant, the Bank of America refuses to record such crimes when credit card frauds are reported. Such crimes must be reported to the Bank of America as Business Disputes if the credit card number is provided to dishonest merchants in good faith. According to several Bank of America agents, fraud can only be reported if a credit card is used without permission, i.e., a hacked credit card. In other words, the Bank of America 's records do not record crimes, where the number of such falsely reported crimes is unknown. 2 ) If the thieves then claim that the fraudulent charges are legitimate, the customer must pay the money that has been stolen from them. Thieves are given priority over customers who have been cheated. The full scope of this credit card fraud by the Bank of America, and perhaps other banks, is unknown. Figure 1. My bank is stealing {$23000.00} from my family, and they know that they are stealing our money. Figure 1. My bank is stealing {$23000.00} from my family, and they know that they are stealing our money. ( Image by XXXX XXXX, XXXX ) Details DMCA The Original Fraud As one of many customers, I am dealing with such a fraud by the Bank of America ( Figure 1 ). Full details of this fraud are documented along with an FBI crime report. The original crimes in XXXX are discussed in an XXXX XXXX titled " Visit XXXX as a Tourist-Risk Fraud and False Imprisonment in JXXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX '', click here. Explicit details of these crimes and supporting evidence of this fraud are presented in two reports, titled " Luxury Tours XXXX, Bank of America Fraud Complaint '' ; and " XXXX XXXX XXXX XXXX XXXX, Bank of America Fraud Complaint '', Click Here ). Based on these crimes, this Op Ed focuses on the subsequent criminal fraud by the Bank of America. Bank of America polices and employees are presently implementing such thefts. I am being charged more than {$29000.00} for a service worth approximately {$2400.00}. The merchants, XXXX XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX XXXX, attempted to defraud my XXXX wife and I of more than {$47000.00} in this elaborate criminal scheme ( Table XXXX ). International Frauds are Complicated by Even More Dishonesty When I asked these two companies to pay back the money that they stole, the Hotel XXXX and the Tour Company Owner accused me of blackmail. They stole tens of thousands of dollars from my wife and me, threatened to have me arrested in a foreign country if I did not immediately pay {$5000.00} when we we were in XXXX, lied about receiving full payment, cancelled our tour and transportation to abandon us in XXXX, and then compounded their lies with false accusations. Apparently, these XXXX companies were crooks from the beginning of these crimes. XXXX XXXX XXXXXXXX received a full payment of {$6500.00} in advance. This wire transfer from my bank account with Bank of America is documented through bank records. Since this tour was illegally cancelled prematurely, only {$2400.00} of the contracted services were provided. XXXX XXXX XXXXXXXX then requested a duplicate {$6500.00} payment, using a money order from XXXX XXXX. XXXX XXXX XXXXXXXX then demanded another {$5000.00} in cash, and threatened me with jail in a foreign country when I did not pay. Such actions constitute XXXX, and constitute threats of kidnapping and false incarceration. This tour company then fraudulently charged us approximately {$6500.00} XXXX more times by credit card. Then, XXXX XXXX XXXXXXXX demanded an additional {$9000.00} through their credit card company. I was coercively charged twice for the same hotel room stay, and I paid twice for this hotel room. After all of this theft, both the hotel and the tour company libelously claimed that I blackmailed them since I asked them to stop these thefts, and pay back the money that they stole. Their audacity in crime is only exceeded by their slanderous claims of blackmail. Accused crimes plus accused and threatened crimes include fraud, extortion, slander, breach of contract, and false imprisonment. By endorsing the frauds of XXXX XXXX XXXXXXXX and the XXXX XXXX XXXX XXXX XXXX, is the Bank of America complicit in other crimes as well, since the Bank of America increases criminal profits? The Bank of America Joins the Frauds To make matters far worse, the Bank of America demands immediate payment to the thieves or interest will be charged for the outstanding balance. I was informed that if I do not pay, I can get a lawyer to challenge Bank of America. The bank steals our money, and we are mandated to hire attorneys to fight the crimes committed against us by our bank. To date, the Bank of America has supported the thieves on three separate occasions, where two responses were provided in written documents. These documents stated that 'The merchant provided documentation confirming that [ I ] received the merchandise or service '. The merchants blatantly lied. The Bank of America stands behind their lies. Through Bank of America, I am still appealing this criminal banking decision. Based on numerous conversations with Bank of America employees, I expect the Bank of America to continue stealing our money. The Bank of America XXXXrauds Continue So far, the Bank of America discarded faxes that supported fraud claims, where those two Bank of America Fraud Reports are noted above. More importantly, the Bank of America also claims that the thieves ' four different credit card claims for the same incomplete service are legitimate, since the thieves lie and say that I received the service. All XXXX of these charges are fraud, where receipts prove that this tour service was paid by wire transfer through the Bank of America before any of these criminal card charges were accepted by the Bank of America. The Bank of America claims over and over that I authorized the charges. I state over and over that I did not agree to pay over and over. Included in this same fraud complaint, Bank of America agreed that I should pay {$500.00} to a company called XXXX. I have never had any contact at all with this company, and I have repeatedly informed the Bank of America of this parallel fraud. The Bank of America still wants me to pay all of the crooks. I mentioned these crimes to someone else, and they are being similarly defrauded. Once again, the scope of this fraud against customers is unknown. The FBI Ignores Credit Card Fraud The scope of internet fraud in this country is so monumental that the FBI refuses to investigate any fraud less than {$100000.00}. Since the fraud against my wife and me is less than {$100000.00}, the FBI did not even respond to my FBI report concerning this internet fraud. Banks Endorse and Support the Crooks The Bank of America, and other banks, are caught in the midst of an extraordinary crime spree, and banks become complicit in these frauds when they support criminals rather than customers who have been swindled. A Fight Against The Bank of America Crimes After this XXXX XXXX is published, I will file another fraud complaint. Along with a supporting copy of this XXXX XXXX, I will file this complaint with the Consumer Financial Protection Bureau. I have already filed a complaint with this bureau with respect to the tour operator and the hotel. However, a new fraud report will be specifically filed against the Bank of America for this ongoing crime. This XXXX XXXX adds to customer 'deceptive practices ' perpetrated by the financially beleaguered Bank of America XXXX Specifically, the Consumer Financial Protection Bureau ordered the " Bank of America to pay $ XXXX in fines, customer refunds over junk fees, [ and ] fake accounts ''. This XXXX XXXX exposes one more attempt by the Bank of America to illegally obtain, or steal, money from customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29803
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Bank of America illegally opened an account in my name and made illegal deposits. I have never had a Bank of America account. I filed a police report with my local law enforcement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A