Date Received: 2023-07-11
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I purchased an officer chair in XXXX the company kept saying it will be there in another 2 weeks every two weeks. So to ensure I did not lose the opportunity to file a dispute, before the 60 or 90 days I cant remember what the limit is at this time, I filed a dispute for my money back in XXXX. They have been " resolving this case for 7 months without ever issuing me credit. So I am out {$700.00} even after complying with their requests and send tons of documents. That they will only accept by fax of course to make things more difficult for people. Why they are unable to accept scanned images viz email is beyond aside from the likelihood they just want to make it more difficult to complete disputes. But XXXX has gotten so big they either aren't monitoring these branches run by banks or they just don't care. But whoever is in charge of XXXX XXXX XXXX XXXX of America credit card disputes needs to get your department under control. So meanwhile I have been out {$700.00} for 9 months with the same script statement every time I call. We are waiting for their side to do the research. How does that make sense, I bought a product I don't have a product, the tracking number I gave you showed the item wasn't delivered to me. What is the hold up in issuing my money back to me! How do you not need to reimburse me for the time value of my money being gone for this long! This is so unfair and I am sure that they will not receive any type of punishment for allowing this company to steal my money. If you check the reviews there are hundreds of other people who never received their merchandise from the retailer either. XXXX are thieves and Bank of America is complicit because they refuse to honor my dispute and return my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a saving account with my mother who has XXXX since the year XXXX In BANK OF AMERICA. It is our only joint savings account that I am under with her. In the year XXXX I discovered that between XXXX through XX/XX/XXXX, there were fraudulent foreign transactions being made on this account wiping out over {$25000.00} American dollars. While this was happening the bank did not notify me nor make any attempt to freeze the account on my behalf, when asked why they didnt they said that is not something that this bank does. And I know if it were any other bank with foreign transactions, it is stopped until it is verified that it was the account holder making the transaction. Moving forward, at the end of XX/XX/XXXX I received the last statements of the year which led me to discover what was going on. Come XXXX of XXXX a claim was made with the banks branch in which I sent evidence proving that neither I nor my mother were out of the country when these withdrawals were happening, they said they had sent me an email and I did not see a single message from them about this. I sent the evidence they asked for proving we arent there because it was by pin and to them that wasnt enough then a couple of weeks later, I received a letter from the bank saying that they deduced that while they were sympathetic to my situation, they were not liable for what happened. I complained once more and told the police what they could do. They said that the bank must order an affidavit for them to begin an investigation and take it further to assist me. Without this, they could not assist me until it was in hand. The bank did no such thing and while submitting my evidence I was told to write a letter on behalf of my mom when I explained to the bank XXXX my mother is XXXX with XXXX saying that a card that was apparently used to do these transactions had-had the pin number on the back and that she wrote it I nor my mother have this said card and if a pin was written I would not know how it would be in the hands of someone able to make foreign transactions if XXXX not in that country, they just assumed that we allowed XXXX to be stolen from the account when in XXXX alone there were XXXX transactions. The second letter I received about the decision was the same as before while sympathetic they said I did it and the case was closed. I sent sufficient evidence to combat this, and they did not help me at all to rectify this, leading me to reach out to other means of assistance. The evidence I'm providing on the statements is some transactions that I have made are clear to see amongst the many foreign transactions that appear on the pages provided that I DID NOT AUTHORIZE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11232
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Bank Of America ran a credit report without my authorization. I applied for a credit card on XX/XX/XXXX reference number XXXX and the bank sent me a letter saying they denied my request because they could not verify my identity. I have a hard inquiry with no reasonable reason for this to be rejected. I have been a customer since XXXX, with an excellent credit score. Later the same week they sent me an SSN form verification and asked for a tax return to be mailed to their address in Texas to verify my identity. On XX/XX/XXXX I submitted the docs back to the bank. On XX/XX/XXXX they got a copy of my credit report without my authorization and do another hard inquiry on my credit. TWO hard inquiries without my authorization. I have contacted the bank several times and is impossible to have an answer from them, they opened a case, and every time I have called someone says something different or they disconnect the call. This is Fraud, I did not authorize to run my credit report twice and is fraud they do not have my information when I have already a credit card with them for 7 years. They are affecting now my credit score which was XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I spoke to Bank of America because I noticed through my mobile app that my account was changed from a Savings Account to a Checking account. I also had repeated charges for Insufficient funds since 2021 on this new Checking account. I was not aware that Bank of America converted my Savings account into an another account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91325
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: BANK OF AMERICA has listed this account as Chargeoff on my Consumer Report for months, I mailed them a letter asking the meaning of the word ( CHARGEOFF ) and they responded with a validation letter. 2 months later they notified me via email that XXXX will be servicing the account moving forward. Ive never arranged for ( XXXX ) to have my information, I never was granted the opportunity to opt out of sharing my information and it was never disclosed to me that I was opting into sharing my information upon applying for this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70126
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: On XX/XX/23 I received an email from Bank of America asking me to view the terms of my new banking account. I never opened an acct with them and called to report the obvious scam. They assured me they would take care of it but I proceeded to receive emails about my new acct. Today I found out that BOA was opening fraudulent accts in peoples names and Id like to pursue action against them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11701
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: ALL TRANSACTIONS with Bank of America after originally opening the account physically in the branch office in XX/XX/2023. Never received my bank card, stolen and subsequent fraud ever since then, ATM fraud plus branch transactions, purchases, withdrawals are not being done by me or authorized by me. Bank of America refuses to assist. They've taken all my money, making me homeless. XXXX reported, no replacement card ever received. Currently in access of {$10000.00} of theft and fraud due to Bank of America XXXX, refusal to help, negligence in allowing money to be taken when no ID is presented.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had a a travel credit card with Bank of America for several years. Out of nowhere Bank of America closed my credit card account without notice and without reason. I had a XXXX dollar balance, the card was NOT expired, and was not late on any payments, and I had accumulated a considerable amount of reward points from my purchases. Bank of America not only closed the account for absolutely no reason, but they refused to issue me the rewards points that I rightfully accumulated during throughout the duration of the time I used the card. I will also note that I called and asked why the account was closed and received no answers and also asked if the credit card could be re-opened and they said no! I have a maintained a great credit score, I paid the card on time consistently and I am having difficulty figuring out why this occurred. They were able to profit off of me using the credit card for years, and seemingly once they could no longer make a profit off of me and the account they closed it any valid reason. I wanted to keep the card open and continue to use it, but unbeknownst to me they completely closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06118
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I made a XXXX transfer from my Bank of America account to a family member. The family member did not receive the funds, nor did I receive an email telling me that the funds were sent to recipient. I checked my bank account ; the funds were taken out of my account. I called the recipient, my niece, to again ask if she received the funds. She had not. My bank is Bank of America. I called my account representative at XXXX XXXX Wealth Management. I was told a dispute would be filed. It was filed on XX/XX/XXXX. Dispute # XXXX. I was told that the funds were received by XXXX XXXX XXXX. I heard nothing from XX/XX/XXXX until today. Yesterday I called my account representative at XXXX XXXX.I was told that she would reach out to Bank of America again. Today I received a call from a person in the leadership team. She said she filed a complaint today # XXXX. it would take 120 days to be resolved. I asked for the funds to be put back into my account so that I would have the use of the funds while the dispute process is occurring. She said that a request that had been entered and denied, will try again. Ido not have the use of the funds, the recipient does not have the use of the funds. It is unconscionable for this to take as long as 120 days. I asked for information regarding XXXX XXXX XXXX. She did not have it available. I had been told that XXXX XXXX XXXX had received the funds, I want to see this and asked her to send. I am deeply concerned that cybersecurity may have occurred. Please investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2023-08-08
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: I have had accounts with Bank of America for over 25 years and for the most part have not had issues except with excessive overdraft fees. There are currently different policies for handling fees however, prior to these changes, I paid Bank of America thousands of dollars in daily overdraft fees. In trying to dispute these fees or request waiving some, I was extremely frustrated when I realized how the Banks own " processing '' system for transactions and deposits, would actually trigger the overdraft fees. Example 1 : Payroll direct deposit would post the same day as a check written or auto-withdrawal transaction. Instead of posting my deposit first, the bank would post every withdrawal transaction FIRST before posting the deposit causing each withdrawal transaction to generate a separate overdraft fee. Example 2 : When processing daily transactions/checks written from my account, the bank would often process the larger amount FIRST, triggering Insufficient funds and overdraft fees for each of the numerous smaller checks/transactions for that day. So instead of processing 10 small transactions on a day and charge one ( 1 ) overdraft fee, the bank would process the larger amount and charge me separate overdraft fees for each of the 10 small transactions. I have gone back-and-forth with Bank of America over the years about the fees. At times they waived SOME of the numerous fees but their solution to avoid fees was to link my account to my BofA credit card. Unfortunately though this resolved the overdraft issue, I would be charged more/higher rate on my credit card because this transaction was considered a Cash Advance. I honestly have remained with Bank of America all these years because of accessibility, international availability and feeling that they have been the lesser of two evils, as my other account was with XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A