Date Received: 2023-07-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX, XXXX, XXXX I had a business account with my company named, XXXX XXXX XXXX XXXX, Florida at Bank of America. Everytime I used my ATM card to buy lunch for my employees, and cleaning supplies, I would get an overdraft fee of {$35.00}. And sometimes it would add up a {$400.00} overdraft fee. I would walk in Bank of American and tell the bank manager that I keep getting a {$400.00} overdraft per week in my business account. Sometimes the lady would take off the {$400.00} overdraft or she take half the amount off. The bank took my money and never replaced it to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
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 additional add-on products or services
Subissue:
Consumer Complaint: The banker at Bank of America in XXXX XXXX XXXX said, I was approved of the government PPP forgiveness loan for my small business XXXX XXXX XXXX. But I never received the {$100000.00} ( XXXX XXXX XXXX XXXX/100. ) government PPP forgiveness loan money from Bank of America?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
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: Problem with application process. Offered pre qualified. I applied ( XXXX ) XXXX and received an approval notice On XX/XX/XXXX. I spoke to someone in the Bank of America on XX/XX/XXXX. They confirmed my application was approved and that the card was being sent. Later that evening I checked to see if the deposit Req was loaded and received a notice that now my application was denied. Called and minimal to no indication disclosed. This had an overwhelming impact on my credit score. I am terribly concerned with the handling of my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92106
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: Unable to open an account
Consumer Complaint: They always tell me no when I want to try to opening and account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60435
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: Fraud or scam
Subissue:
Consumer Complaint: I have been scammed in an attempt to protect my mother 's trust. My brother was the trustee for my mother 's account. He died suddenly, and I became the trustee. A few weeks after he died, I received a couple of calls from men who identified themselves as agents from my bank ( XXXX XXXX ) asking me to authorize a few large large sums of withdrawal requests from MY checking account. I realized they were from my mother 's account, NOT mine. I was advised that I needed to protect her account since these were scams, so I was told to transfer her monies temporarily to a different account, a SAFE bank account with The Bank of America. Since it was a large trust, meant to take care of my mother, I agreed to get her money out of XXXX XXXX and have it transferred to Bank of America. They gave me the account name and number to which the monies were to be transferred. The following were the dates and transfer amounts. Sent on XX/XX/2022 : {$7200.00} done on my phone Sent on XX/XX/2022 : {$48000.00} done on my phone Sent on XX/XX/2022 : {$68000.00} done in person at my bank Sent on XX/XX/2022 : {$42000.00} done on my phone Sent on XX/XX/2022 : {$96000.00} done in person at my bank Sent on XX/XX/2022 {$95000.00} done in person at my bank Sent on XX/XX/2022 {$61000.00} done in person at my bank Also transferred {$70000.00} from two annuities ( by phone ) to the SAME ACCOUNT WHICH THE SCAMMERS SET UP FOR ME IN A NEW BANK OF AMERICA ACCOUNT. I HAVE THE BANK OF AMERICA ACCOUNT NUMBER. When I realized this WAS a scam, the following agencies were contacted. XXXX XXXX Bank of America The Attorney General of Virginia Federal Trade Commission FBI - IC3 Form Social Security Administration XXXX Fraud Alert 3 lawyers who told me I would probably never see this money. They didn't want the case. The result : The SCAMMERS set up the account at the Bank of America, told me the account number and name. I DID NOT, but was led to believe that this was a SAFE account and I could preserve the money she needed to live on at the Bank of America, until XXXX XXXX was cleared of any wrong doing. My whole family is now separated, one from another, feuding over how I " LOST '' their mother 's money. Much heartbreak!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 244XX
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of America over charged me for 8years on my prepaid credit card and whenever I spoke to them they just said its what our fees are. I was never given my unsecured card after faithful payment to them. XXXX they canceled my care took my {$5000.00} and is now charging me an additional {$400.00}. The settle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-12
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Bank of America closed my account without notice and proper reason and frozen my cash back rewards. They also refused to redeem my rewards. 1 account is XXXX. The other one is XXXX. XXXX is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60047
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I had closed my accounts at bank of America. Sometime later they reopened my accounts when a company wrongly charged my account. They stated because of this, they opened my accounts again without my permission or knowledge. It lead to multiple overdraft fees. Then a company disbursed a refund check for over {$600.00} directly to this account which bank of America applied to my multiple overdraft feess. They refused to refund the fees or the money that was deposited. In addition. When I opened a checking account with them, they took it upon themselves to open another account which again I had no knowledge of and did not give permission to do so. They then charged me fees for this account when I wasnt depositing money into it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17055
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is XXXX XXXX, I was in a tental fraud as followings : Landlord XXXX XXXX, Drivers lisence:XXXX, from Colorado ask a total of XXXX for one month rent plus deposit. Landlord address : XXXX XXXX XXXX XXXX, XXXX, CO, XXXX Here are three rental fraud transfer from Bank of America, XXXX transfer : {$500.00} to Email : XXXX Name : XXXX XXXX On XXXX {$700.00} to Email : XXXX Name : XXXX XXXX , XXXX {$1000.00} to Email : XXXX Name : XXXX XXXX , XXXX I think the XXXX XXXX account in BOA is already cancelled. But the bank might have a rack of account holder 's SSN. I'm contacting the Bank of America to stop the payment and refund mony to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had been wanting to close out my checking account as bank of America had started charging me a fee each month that I had never had before to my account. They claimed that I had signed an agreement regarding I must always have a certain amount of funds in the account that I never remember agreeing too. There was a bill that came out of that account and we had thought the bill was diverted to another checking account. So when I went to go close the Checking account, I noticed I was over drawn and tried to fix the situation as soon as possible. I was told to just come back the next day with the funds and they could close the account. The next day I came too the bank with the funds to find out by the teller that a credit card was opened in my name with out my permission to put funds from that credit card to my checking to bring it to the positive. I demanded to speak to a manager and the manager made the comment that they did nothing wrong. That the credit card I opened when I see XXXX and had closed they just had reopened to cover my over draft in my checking. Granted I am now XXXX! I was not happy and I tried to go to another location of that bank but they asked me to resolve the issue at the banks location that this all started at. As they would not help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99337
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A