Date Received: 2023-07-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A account at bank of America was fraudulent opened under my name, I believe it was opened by the bank. I contacted the fraud department and they had very little concern and didn't even close the account when I requested them to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07508
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-monetary relief
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 applied for a Bank of America XXXX XXXX Credit Card. It was never sent to me in the mail. I was never notified by the post office neither the bank on my status of the credit card. I finally received the credit card by XX/XX/2023 and I completed the {$1000.00} transactions in order to receive the cash rewards bonus of {$200.00}. Bank of America is not honoring me the reward bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33183
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: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/2023 @ XXXX at Bank XXXX XXXX XXXX hour ATM machine located at XXXX XXXX XXXX XXXX XXXX NY XXXX. I went to pay my credit card bill. I made a payment of {$210.00}, XXXX XXXX XXXX bills, XXXX XXXX XXXX bill and a XXXX XXXX bill. The ATM took my bank card gave it back, asked me was I making a payment I hit YES I put the money in and the machine kept the money and said, Error, that my transaction could not be completed or return my money back. The payment did not post nor did I get a receipt. Complaint # is XXXX. I have reported this incident several times. I still have not received my money it is under investigation and no one as of yet has reached out to me. Also I would like to become part of the XXXX XXXX XXXX XXXX XXXX Class Action. This is the second time I had an major issue with Bank Of America holding my money and not want to reissue it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11435
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: Unexpected or other fees
Subissue:
Consumer Complaint: Claim number : XXXX Claim filed XX/XX/2023 I filed claims with Bank of America XX/XX/2023 I submitted notarized documents letting them know I never received my card they approved these claims Claim XXXX {$9500.00} Claim : XXXX {$7300.00} Claim : XXXX {$130.00} Claim : XXXX {$6200.00} Claim : XXXX. {$12000.00} However on XX/XX/2023 I called the bank because my sponsor advised me I was still missing money so I needed to call Bank of America back to let them know Im still missing funds Bank of America advised me that he missed a lot of transactions and they would include in a new claim Claim number : XXXX {$31000.00} Claim filed XX/XX/2023 How we claim was denied on XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90017
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: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Bank of America settled a class action lawsuit in XXXX that I should have been a participant of. My account was froze in XXXX causing 6 checks to be lost for 3 months. I have been forced to accept a loss of {$4100.00} due to unauthorized charges from the bank sending card to wrong address and I don't think I will be able to just give up. Bank of America used deceptive practices to defraud me of those funds and have not been held responsible for that. The settlement states any customer whos account was froze after unauthorized charges is a participant and I have proof this happened to me causing disconnect of utilities, phone, car insurance. I followed their protocol but have not heard anything back after 15 emails and other attempts to contact Bank of America. They cut all communications with me. I need assistance with this issue. I also would like a copy of the settlement orders and since CFPB was one regulator that did find the liable for those issues I don't see the issue with receiving a copy. Please instruct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42301
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: I became aware that a checking account was opened in my name via email on XX/XX/XXXX saying that my debit card was mailed out. I never opened an account with Bank of America. I tried several times to speak to someone about this but the automated system will not allow you to speak with anyone without an account number or debit card number. I did not have any of this information because I did not open the account. After trying several numbers for bank of america I was able to get to an accounts salesperson who informed me that account was opened in my name but I would need to speak to the fraud department. In speaking with the fraud department I was told that I would receive information on on the account but they were unable to provide the information over the phone. I was sent an email suggesting me to report identity theft to the credit bureaus. Ofcourse I did report this but I never received the information promised to me about the account opened in my name. I received a debit card one to my parents address and another to my updated address I gave when reporting the unauthorized account. I have received several emails referencing new accounts. These seems to be multiple accounts based on the emails received after XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with non-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: Bank of America open account on my name without my permission see attached document
Company Response:
State: CT
Zip: 06108
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: BANK OF AMERICA IS A FRAUDULENT ACCOUNT REPORTING ON MY XXXX CREDIT REPORT. THIS ACCOUNT WAS OPENED FRAUDULENTLY, THE CHARGES AND THE ACCOUNT ARE FRAUDULENT. SOMEONE STOLE MY PERSONAL INFORMATION AND OPENED THIS FRAUDULENT ACCOUNT. I AM VICTIM OF AN IDENTITY THEFT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98043
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: Bank of America has opened accounts for me multiple times in the past 2 years without my consent or any effort on my part. 1st time was XX/XX/XXXX 2nd time was XX/XX/XXXX 3rd time was XX/XX/XXXX Each time no $ $ was involved but i had to to call and cancel these accounts. Each time it is multiple accounts opened in my name. Today ( XX/XX/XXXX ) it happened to my wife. A checking account was opened with her name and she has never had a bank of America account. I have had one many years ago ... .but, canceled a long time ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Ive called Bank of America numerous times and went over the status of my account with them before they decided to close it saying that I owe them over {$600.00}. I dont understand why this is happening to me again. I already was a victim of identity theft and i believe i submitted my identitytheft.gov complain number. Im just lo looking to get this resolved with Bank of America as soon as possible as they have now reported me to check systems and XXXX cant even open up a new credit union account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A