Date Received: 2023-07-12
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: XX/XX/2023 - Payment made for XXXX XXXX account for {$1800.00} but I had insufficient funds, my paycheck didnt post for another few hours. XX/XX/2023 - I receive direct deposit paycheck and my bank account has more than enough to cover funds. The {$1800.00} is returned, I call XXXX XXXX and they advise me to make another payment because the {$1800.00} will not re-attempt. I have enough funds, and send a payment of {$1700.00} to XXXX XXXX. XX/XX/2023 - Both payments of {$1800.00} and {$1700.00} are billed to my checking Account. I am overdrafted, and my XXXX XXXX card is not working and my Bank of America debit card is not working, despite my Bank of America saying they cleared the {$1800.00}. XX/XX/2023 - I contact Bank of America and XXXX XXXX to resolve. Bank of America opens a fraud investigation, and told me it will take 40 days to research. XXXX XXXX told me they can not do a stop payment, and will reattempt to draw the funds 3 times. XX/XX/2023 - I am still overdrafted despite having around {$1200.00} in my bank account in reality. I contacted XXXX XXXX again for a stop payment request, and they say they need an electronic letter from Bank of America. I contacted Bank of America for a an electronic letter they can send to XXXX XXXX, or a way to stop the auto draft, but they will not stop the auto draft. Consumer banking, my money would have been safer underneath my mattress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Remove hard inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85029
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: We were contacted by our Merchant Service Provider on XX/XX/2022 that our company had been report to a system called " XXXX XXXX XXXX '' for excessive chargebacks by Bank of America. I tried to contact Bank of America for days and finally spoke to someone who told me to call the local branch and file a complaint. I called the local branch and made an apt . and meet on XX/XX/XXXX with XXXX XXXX, Financial Center Manager XXXX. HE told us that someone opened an account over the phone with our name and FEIN number ; all other info was fraudulent. He filed a BOA Fraud Claim # XXXX and told me we had to wait to hear something, but it could be up to 90 days before they review it. I received a generic email from XXXX XXXX XXXXXXXX on XXXX XXXX, requesting we fill out a packet and send it back. I filled it out and sent it back. I spoke to our Merchant Services Account representative XXXX XXXX whom has tried to get our account turned back on, however until Bank of America removes the " fraud '' alert from " match '' we will not be able to have a Merchant Services Account. We used this account to run credit cards for customers, and other than checks this is the only other form of payment we accept. It doesn't seem right that Bank of America opened a Merchant Services Account for someone over the phone with only our FEIN number and NO other identification. They did finally say we were not at fault but did not offer to repay for any damage done to us from not being able to accept merchant service transactions and have customers pay. I saw there is a ruling regarding Bank of America and things they have done to customers and I believe we fit these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have bee a banking customer with Bank of America for XXXX years and during the course of those years there have been issues that I have disputed about overdraft fees and/or unauthorized transactions. In the more recent years their see became better and most issues were handled quickly or resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
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: Unexpected or other fees
Subissue:
Consumer Complaint: Bank of America Withheld n Delayed Pandemic Monies causing me to b evicted from rental.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 922XX
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Bank of america promised me a 36 month 0 % via phone but sent me something else in the mail. spoke to rude supervisor XXXX out of New York XXXX and was told he was the highest I will ever speak to and I have called multiple times and I will not get anything. Very hostile employee. I was told in XX/XX/ that if I complained my credit card account will be closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
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: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Bank of America Unauthorized or too many insufficient funds charges. Of {$35.00} for same transactions or when my account wasnt in the red.
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: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I WANT TO HAVE CASH BACK WITHOUT BUYING NOTHIN ELSE! BANK OFAMERICA WROTE : Bank of America logo You have deals expiring. Dont let your cash back deals expire You have cash back dealsXXXX that are about to expire. We dont want you to miss out, so be sure to use them soon. Click to activate your deals : + Up to 20 % Expires XX/XX/2023 + 5 % Expires XX/XX/2023 + Up to 30 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 55 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 1 month Expires XX/XX/2023 + 7 Days Expires XX/XX/2023 + 15 % Expires XX/XX/2023 + {$15.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 15 % Expires XX/XX/2023 + {$20.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + {$12.00} Expires XX/XX/2023 + {$8.00} Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 10 % Expires XX/XX/2023 + 5 % Expires XX/XX/2023 See more deals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: BOA closed both of my checking accounts with no explanation and after several money transactions that were made in my account not by me. I've had numerous overdraft fees as well. I applied for a Hardship assistance on XX/XX/XXXX to get my balance out of my account. I have over {$2400.00} in my account. Due to this unfortunate situation, I have been summons to court because I have not been able to pay my rent on time due to the withholding of funds from Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48203
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: So I've been trying to figure out the extra fees double charges that's been going on with my checking and credit line with bank of america. I see a fine was presented for them to compensate their bank members. Due to double charges and extra fees that placed me in negatives ( unable to pay other bills ) really set me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10310
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A