Date Received: 2024-01-25
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: I was sick and I couldn't work for a year they didn't close my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91764
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On or about XX/XX/XXXX, I call Bank Of America Visa credit card XXXX to get a balance owed in order to close my account. ( Approximately XXXX XXXX XXXX We sent a bank check for the full amount with tracking XXXX. It was signed and received on XX/XX/XXXX. It was not applied until XX/XX/XXXX. On or about XX/XX/XXXX I noticed interest charges only of approximately {$140.00} applied to my closed account. A supervisor forgave the interest because of the delay in processing. The next day I confirmed that by closed account had {$0.00} balance. On XX/XX/XXXX I received notification that I owed {$47.00}. The explanation I received except from the fine print was that when I asked to close the account I should have asked for amount owed plus interest. It has taken me a full XXXX to XXXX what I owed because I kept accruing interest and have no details on how they are calculating it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: To Whom It May Concern : Thank you for considering my case. It is greatly appreciated. I have been dealing with ongoing, fraudulent transactions through my Bank of America account in connection with XXXX. From XX/XX/XXXX to XX/XX/XXXX, I have filed various claims and even more requests to Bank of America to stop any and all transactions from XXXX. Despite these interventions, the unauthorized transactions have continued, and I have lost more than {$2000.00}. At one point, I convened a meeting between Bank of America 's claims team, XXXX, and XXXX to identify a resolution. I was advised that XXXX couldn't find the account charging my card, and therefore couldn't discontinue the transactions ; that XXXX couldn't provide a remedy given their agreement with XXXX granting the latter the right to request a customer 's debit card information, even if it is replaced ; and that Bank of America could only offer stop payment options, which can be bypassed if a Merchant even modestly changes their name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XXXX ) I made payments on the amount due on my credit card in XXXX XXXX XXXX. XXXX ) In XXXX I was notified that my payment was late. I contacted the company and they opened up XXXX case numbers. Case XXXX XXXX for payment of {$200.00} Case XXXX XXXX for payment of {$53.00} XXXX ) XXXXXXXX XXXX XXXX XXXX I faxed a XXXX page document with proof from my bank that these payments had been withdrawn from my checking account on XX/XX/XXXX. XXXX ) I set up auto payments of {$25.00} so my account would not be flagged as having late payments while they researched why my payments had not been credited to my account. XXXX ) In XXXX I called again and they asked for additional information on the payment of XXXX and transferred me to a different department. They then saw that they had all the information they needed to resolve the issue and told me they would reach out if they needed more info. XXXX ) On XXXX XXXX XXXX I called again and was transferred to a supervisor called XXXX from Credit Card Services who said it was still being researched and I needed to wait. XXXX could not resolve the issue for me or transfer me to someone who could.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: BRAND NEW ACCOUNT WAS SUSPENDED FOR A FALSE FRAUD ALERT. ALTHOUGH I WAS INFORMED THAT IT WAS DETERMINED THERE WAS NO FRAUD, BANK OF AMERICA WAS UNABLE TO REOPEN MY ACCOUNT AND COULD NOT EXPLAIN WHY. I REQUESTED TO CLOSE MY ACCOUNT AND WAS INFORMED IT COULD NOT BE CLOSED BY AN INEXPERIENCED CUSTOMER SERVICE AGENT WHO DID NOT SEEM TO KNOW HOW TO CLOSE AN ACCOUNT. I WAS TOLD THAT THE ACCOUNT COULD NOT BE CLOSED UNLESS I STAYED ON THE LINE FOR AN INDETERMINATE AMOUNT OF TIME. I SPENT OVER AN HOUR BEING TRANSFERRED FROM CALL CENTER TO CALL CENTER WITHOUT ANY RESOLUTION. NO EMPLOYEES UNDERSTOOD WHAT WAS GOING ON WITH MY ACCOUNT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90042
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
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 XXXX 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 XXXX business days from receipt of a written request from the consumer - 12 C.F.R. 1026.11 ( 2024 ). I attached the recording that I contacted the bank. They confirmed they don't refund the money within XXXX business days. The conversation starts from XXXX.
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: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: BankAmerica, in their client portal, suggested a credit card for rewards ; I applied on XX/XX/XXXXXXXX XXXX XXXX and they ran my credit with XXXX twice, again on XX/XX/XXXXXXXX XXXX XXXX Then they mailed me and wanted personal documentation ; which is fine ; I sent them the required paperwork. I have several accounts with them. The issue is I authorized them to run my credit only once and not twice. I want them to remove this inquiry from my XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I received a notification that Bank of America was sending me a new credit card as my current card was expiring in XX/XX/2023. On XX/XX/XXXX, I received a notification via email that my card was updated in XXXX XXXX at XXXX XXXX On XX/XX/XXXX, I received a message from Bank of America asking me to confirm a charge from XXXX for over {$6000.00}, which I responded saying no that was not me making that charge. I then logged into my account and saw an additional charge had been made for {$9500.00} cash from a XXXX XXXX, which was also not me. I called the Bank of America fraud line immediately and alerted them to this and they cancelled the card and sent a new card with a new number. I completed this around XXXX XXXX. On XX/XX/XXXX, I saw a fee for the fraudulent transaction had been issued to my account for {$470.00} dollars. I called Bank of America to alert them to this and they agreed to credit the account. They were unable to provide an updated status for the initial fraud claim at this time. On XX/XX/XXXX, I received a notification saying my account was credited with the {$9500.00} while the claim was being researched. On XX/XX/XXXX, I received a notification that they were unable to pay, saying " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' However, the current card was with me and I was home the entire time for both charges. There is clear evidence of fraud seeing as there was an additional charge attempted directly following this charge. I never received the new card that was sent on XX/XX/XXXX. And I made no updates in XXXX XXXX to prompt those notifications I received, so I assume that occurred either because they activated the new stolen card or they set up XXXX XXXX with my account info. I have asked this claim be re-opened with Bank of America, but in the meantime they are not crediting the {$9500.00} charge to my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60622
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I tried to make my mortgage payment for a year and have witnesses a lone specialist that tried to help me make bank of America accept my payment so I would not loose my home and finally the lone specialist made them give a amount and it was XXXX with in a week it increases to XXXX and I managed to come up with the money and sent it over night with XXXX XXXX and was forcibly removed from my home the next day. ( they already sold my home to someone else ) Lost my 10 year investment all of my belongings and my will to live! I have been homeless ever since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 594XX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX lied to me and said they were from the Federal Student Loan Education Department. When I spoke with the real company I found out that I had been scammed and the payments I authorized were not applied to my balance and my bank says I can't get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A