Date Received: 2023-07-12
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Bank of America lawsuit. Bank of America open a fraudulent Bank credit card in NY name with out me knowing it. This is the same process that the OCC just fined the Bank of America for fraudulent account fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-08-09
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: Well I have a Bank of America account, had it for years I keep getting hit with overdraft fees they have took thousands of dollars in overdraft fees from the year of XXXX XXXX and its very upsetting they never compensate my money back this always happens to me where I cant pay my bills on time, because of the overdraft fees and I had to have like six different new cards because some one take my money from places I dont understand its very stressful and upsetting I have XXXX kids to feed a single mom who works hard for her money some one needs to fix this problem its ridiculous
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
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 XX/XX/XXXX I received two emails from Bank of America. The first says that my application for a new account was received, the second says my account was approved and opened. This is in regards to a Bank of America XXXX XXXX Banking Acct ending in XXXX. I never requested this account. When I called BofA to inquire they sent me to the fraud department. They questioned to make sure I had " no recollection '' of opening the account. I assured them I did not. The BofA associate warned me that " they '' have my social security number and sent me steps to follow regarding identify theft. This was alarming to me and I worried that " they '' could open a credit card or something in my name. I immediately contacted XXXX to alert them about the identity theft and set up increased notifications/ text message alerts in case " they '' opened any other accounts in my name. Then just yesterday the news broke that BofA was opening accounts on behalf of customers in order to meet sales goals. This is RIDICULOUS. They are creating false ALARM in customers in order to meet sales goals? The customer service agent never mentioned that this is happening to other people and not to be alarmed. They made the situation worse by making me concerned about my identity being stolen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
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: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Bank of America keeps charging my account for maintenance fees the moment my account balance drops then they charge me for an overdraft fee because I didnt have enough in the account for maintenance fees. This has been going on since I opened the account in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
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: Bank of America opened accounts fraudulently back in XXXX of XXXX and closed my bank accounts due to a negative balance on an unknown account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I XXXX XXXX XXXX HAD MY EDD BENIFITS STOLEN FROM.XXXX XXXXXXXX TILL XX/XX/XXXX. SOMEONE STOLE MY IDENTITY AND STOLE MY EDD PREPAID BENEFITS CARD AND STOLE ALL OF MY BENEFITS. BANK OF AMERICA CALLED ME TO IDENTIFY MYSELF IN THE BANK WHICH I DID AND FOUND OUT THAT MY EDD MONEY WAS STOLEN. I WAS DENIED MY CLAIM FOR BANK OF AMERICA TO RETURN MY FUNDS THAT QERE STOLEN. I HAD NO KNOWLEDGE OF THE PERSON WHONATOLE MY FUNDS NOR DID I GIVE NO ONE PERMISSION TO USE MY CARD OR ACCOUNT. I APPEALED THIS ON XX/XX/XXXX WITH EDD AND BANK OF AMERICA. XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Woke up to a new Bank of America checking account being opened in my name. I received two emails separate emails in my spam email account from Bank of America. The first said my checking account application was in process. The second said it was approved and had the type of checking and the last 6 digits of the account number. Ive called BoA, and with the last 4 of my SSN, there surely is an open account with the same digits in the email that is not yet funded, and the thing is, I cant seem to get anyone of the phone. The first time I was disconnected and the second time, I stayed on hold for 30 mins to be transferred and then disconnected. I finally reached a live person who claimed that a new fraud alert was being created but Ive yet to receive an email confirmation or a letter in the mail. Its been over two weeks since I spoke to the last Bank Security Agent. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: on XX/XX/23 at XXXX I received an email from Bank of America saying my account was approved and my new debit card was on the way. I did not open any Bank of America accounts. I called the fraud department and they were able to identify that there was a checking account in their financial services department that was opened under my name, social security number, address, but a different phone number. They had to transfer me 2 times but eventually I was able to freeze and cancel the " account '' so there wouldn't be any activity in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX, I received an email from Bank of America stating that my new account has been opened. On XX/XX/XXXX, I received a second email from Bank of America thanking me for interest in opening an account but theyre unable to do so online. The email then says I can get help opening an account at a local financial center Ive never tried to open any account or do business with Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A