Date Received: 2023-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: BANK OF AMERICA. Recently in XX/XX/XXXX. I found thousands of dollars claimed to have been deposited in my Bank of America acct., related to a XXXX case paid by a Federal Government office. A check that was deposited in XX/XX/XXXX after opening a Savings acct. I found years of up to date of bank statements that was altered. Fees charged to my acct that I didn't even have knowledge of, transactions made to companies never heard and/or used before. I recently learned of XXXX credits cards used at a business vendor. I found reports on my Credit Report for vendors. I had no knowledge of the BOA activities. I submitted all what I recently discovered to The U.S. District Court of Maryland. Also submitted was a singed letter from former XXXX XXXX XXXX of {$1400.00} from Covid Relief when I only received {$600.00}. There was no reflection of that deposit. I also recently made a withdrawal from one of BOA ATM machines, by taking too much money. I tried to redeposit the money and the ATM rejected the same money given to me. I believe BOA is depositing Fake money into its ATM 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX bank of America has allowed fraud to be committed with my credit, in fact, This past Sunday on XX/XX/2023. I just received 3 emails from Bank of America in forming me that they just received multiple applications with my social security number and credit information to open up XXXX. Bank accounts. XXXX tried reaching out to Bank of America XXXX XXXX Monday the next day XX/XX/2023 and I was refused service by multiple employees I spoke. With them on the phone as well as I spoke with the find department and I spoke with many other different departments. Over the phone to Bank of America customer care and fraud department an issues and I was also refused help and assistance with this issue and they also hung up. In my face multiple times when I asked to speak to a supervisor in inform them that I was going to have my attorney get involved in this immediately they. Still refused me and. Refuse to help me in any way and just left me on hold when I told them that I was adding my attorney to this issue immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60438
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an e-mail from Bank of America on XX/XX/2023 on my personal e-mail associated with a credit card account that I have with them that my debit card for a checking account was on the way. I did not open a checking account with them. I called them on XX/XX/XXXX and told them I did not open an account. They told me it was the result of fraud and someone had called in with my social security number to set up the account and that I needed to be on alert and contact all my other banks which I did. They also closed the account. I left it at that until I came across and article by XXXX on XX/XX/XXXX stating that BOA has been fined and is paying out hundreds of millions of dollars by yht CPFB due to fraud committed by the bank for opening unauthorized accounts to make their sales numbers look better. It all clicked. The account that was opened was a checking account with a {$0.00} balance. My email address wasn't changed. My password wasn't changed. My phone number wasn't changed. My address wasn't changed. I received the debit card for the unauthorized account in the mail. There were no funds to access nor was there any way for anyone besides me to access them. Either this was the result of the dumbest criminal in the world or the bank opened the account without my authorization and lied to me about it to cover their tracks. I spent DAYS contacting banks, changing user names and passwords, setting up new email addresses, etc., all because some banker wanted to show an extra account opened. Clearly the activities they're being penalized for have not stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55129
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received an email from Bank of America on XX/XX/XXXX stating that I was approved for a credit card that I never even applied for. I then received a text on XX/XX/XXXX stating that my application had been approved and my card would be sent out shortly. Today ( XX/XX/XXXX ) I got an email again from Bank of America stating that my credit card would be sent to my home. At no time did I ever inquire or apply for this Bank of America credit card. I will follow up with the company as well regarding this issue. I am concerned because I have heard recently in the news that Bank of America has been in trouble for doing this to other consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63367
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On the date of XX/XX/XXXX a unauthorized transfer that was not approved by me to a client with a checking account that was bank of America 's checking who I never gave permission to access my funds yet alone my information which was stolen by a individual who name Bank of America dint provide me any information do to policy Bank of America applies to all accounts issued to members with checking savings accounts but not to the edd prepaid card issued by state benefits.. do to fact my card was a California unemployment prepaid card issued by bofa I was not able to dispute this matter in person at any location but only over a phone call to claims department on edd bofa number not to unemployment but to bofa claims department which is not located anywhere but on a phone etc.. a transfer in amount of {$3000.00} issued without my consent/stolen from me and not recovered till now not any info on were my funds went to. ive disputed this problem with bank of America and many other transactions which have been fraudulent since XX/XX/XXXX ive dealt with identitytheft as my personal information has been stolen and caused me financial problems by the bunch in lots of my statebenefits being stolen and never received much attention till day bofa has solved many issues in my favor but much of funds still haven't been unsolved in a correct matter like the transfer on XX/XX/XXXX still I don't give up and continue to dispute this specific transfer which continue to be denied not ruled in my favor. Over and over disputes have not been correctly treated since the beginning of my pandemic unemployment benefits. which have led to me losing an enormous percentage of my funds do to fraud caused by people who stolen my account information/prepaid cards ive lost or gotten stolen from me many times ive reported to claims department of my issues and they had me wait over a 3 year period to pay some of disputes ive been filed since mid XX/XX/XXXX till day. Which have been caused by fraudsters who have had my bank and identity information which led me to losing over XXXX XXXX on a three year period do to fraudulent transactions and transfers both online and by merchant 's who have verified matters not resolved in my favor due to insufficient information given by me. And who have failed to resolve my very much needed help on these matters ive dealt with for over 3years now and still not giving up on my stolen funds .. please help me reach out to them by this company 's wrong dues with this very importance of company complaint hope to spark interest in the unreasonable way of claims not reporting correctly to disputes their customers deserve best investigation done correctly funds should always be safe in their banks no matter the issues funds should always be backed up in the right way..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been a Bank of America customer since it took over XXXX in 2004. During that time I was DEFINITELY a victim of fee-gouging ( overdraft, etc ). Additionally, I had a loan with Bank of America only to realize it was actually a CREDIT CARD, and I did not receive the benefits of having said credit card. Sadly there are limits on the research I can do within my Bank of America banking portal. How should I move forward to deal with a final amount to be refunded?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On the date of XXXX I received a letter in the mail stating that I had opened a checking account with the Bank Of America and the it was overdrawn by XXXX and that also I wrote a check to universal XXXX XXXX XXXX for XXXX that was located in XXXX I never ever opened up and account with this bank nore did I write a check to this company I live in XXXX never been to XXXX so I reached out to the bank and they said they where going to look into it but I never received anything about it I dont know how was a bank account opened in my name when I never been to the bank I would really appreciate it if I could get some help with this situation thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Since XX/XX/XXXX I was a victim of a scammer who lied about their identity and tricked me into sending money to them. I have since found out that I was a victim of a scammer. One scammer stole {$5900.00} or thereabouts and then I went to who I thought was the real person and the other scammer took over {$320.00} from my bank account through XXXX and convinced me to get gift cards because I stupidly believed they were who they said they were! I reported it to the police when I found out that they proceeded to steal XXXX XXXX in two separate unauthorized withdrawals by wire from my account. I contacted the Fraud department at Bank of America and the local police department in XXXX XXXX XXXX. I gave them the proof of the scam and all the contact info. NOTHING has been done on most of it to my knowledge-no information was found. The debit fraud was closed and deemed NOT fraud just this morning ( why I called for a med increase as my anxiety shot through the roof )!!!! I signed affidavits in the beginning. Now that money ( {$320.00} approx ) is back as a negative in that account at Bank of America. Regarding the XXXX XXXXXXXX from the wire fraud-I found out that the person ( XXXX XXXX XXXX XXXX XXXX XXXX has closed his account and ran off with the money. My money was taken from me through lies and deceit leaving me literally penniless and my mental health suffered dramatically! I was on suicide watch and I just had my medication increased this morning. Please help me ; for I see a world where thieves and scammers are getting away with this as my family and those I care for are suffering! I put my house on the market because it ruined me and I can't bounce back. I have also been the victim of incredible damage to my home from XXXX XXXX. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XX/XX/2023, I received a letter from Bank of America with an attached ATM card for a new banking account open under my name. I never opened, nor did I give anybody permission to open an account with Bank of America on my behalf. I tried to contact Bank of America customer services and called every phone number provided on the letter as well as on the Bank of America web site. I was never able to talk to anyone. I walked into an agency, but the personnel told me to contact the Customer Service. I then addressed a letter requesting an explanation as of how this account was opened, which I mailed to the Customer Service address indicated on the front page of the Bank of America statement. I never received any response. Later that month, I received another letter informing me of Bank of America 's decision to close the account because they were not able to verify my identity. I then tried again to contact the Customer Service but was still unable to talk to anyone who could explain what was happening. Despite the account being closed, I continued receiving statements from Bank of America until XX/XX/2023. I tried again to contact them - no results. I then contacted a financial attorney 's office, where I was told that it might be the result of an identity theft. Since I was not able to talk to anybody at Bank of America, I can not establish whether this is the case. I then called the XXXX XXXX XXXX where the agent told me to contact the Consumer Financial Protection Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I opened a direct deposit account with Bank of America in XXXX XXXX TX around 2003. I have had that same account until a few years ago when with no explanation it became an XXXX account. I had been repeatedly double charged in overdrafts when my account was Bank of America from the beginning until the end. I am a single mom and sometimes all I could do was break even at the end of the month. The extra overdraft charges ruined my familys life completely. Ever since the account has been XXXX that hasnt been a problem and financially I am in a completely different place. I have my Bank of America account number still and paperwork to show when my account became an XXXX account. I also still have most of my bank statements from Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64030
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A