Date Received: 2024-01-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Opened a business bank account And using my credit cards XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33781
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Went to Bank of America to get full disclosure of the account.Was told by service rep an account a lil over 3 years never existed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My business banking acount with bank of america was locked on XX/XX/year> for suspected fraud because I ran payroll using XXXX and changed the verification phone number. I have spent XXXX hours on the phone with customer service agents, sales, fraud deparrment and others trying to regain access to the account. The only " solution '' offered is to walk into a branch. I live in XXXX and there are no branches here. I need access to my accounts restored and restrictions removed. This is drastically negatively impacting my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96815
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/XXXX Consumer Complaint I have the following complaint with Bank of America : 1. On XX/XX/XXXX, I wired {$2000.00} to a Bank of America account of a vendor I have wired funds to before and subsequently. 2. Bank of America rejected the wire and returned it with the reason that the address was incorrect. 3. Bank of America returned the funds and deducted {$45.00}. 4. Bank of America subsequently accepted a wire to that account from my same sending account at XXXX with the same instructions. 5. The sending instructions at XXXX are registered on my account and were not changed. 6. I called Bank of America and they said charges on returned wires are not refundable even if their error. I think this is completely unfair and inappropriate. When a banking institution makes an error with a non-customer, they should return a fee they have taken. I suspect this situation occurs many thousands of times a year and is a source of significant loss to consumers. Details are below. I ask the XXXX to investigate this on my behalf, and ask Bank of America to return the {$45.00} fee to me and all similarly situated banking consumers. Kind Regards XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wire Data Bank account data showing sent wire and wire received less {$45.00}. XX/XX/XXXX Incoming Wire Transfer WIRE FROM BANK OF AMERICA {$1900.00} XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to Seart - {$2000.00} Bank account data showing subsequent wire sent to same address and accepted. XX/XX/XXXX Outgoing Domestic Wire Transfer ONLINE XXXX XXXX to XXXX - {$6600.00} - {$6600.00} Wire instructions to vendor from my XXXX account BANK OF AMERICA N.A. US Send to this Account Account Currency US Dollar ( USD ) Account Number XXXX Routing ( ABA ) Number XXXX Wire instructions from vendor Bank of America XXXX : XXXX XXXX XXXX XXXX Account : XXXX Routing number : XXXX ( for wire transfer )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXXy Period # XXXX ( Pay date XX/XX/23 ), I was supposed to get a direct deposit for {$900.00} from my Payroll. I work for the XXXX XXXX XXXX ( XXXX XXXX ). I did not get it. An account number was transposed incorrectly. I called the bank and they said that since if the name didn't match the account it would take XXXX days for to get sent back to XXXX XXXX XXXXXXXX XXXX On the XXXX of XXXX I called my bank and they told me that Social Security should get it back by close of business. I asked my Group Supervisor who could I contact in our HR department that could help. XXXX XXXX XXXX was the contact person that I have been corresponding with. She said that they have yet to receive notification on the return. I have been in contact with her for a month I have yet to receive it. Everything has been has been corrected since then. XXXX XXXX told me that it would take another XXXX days to get to the Department of Interior , and probably another XXXX days for them to post. As far as she knew nothing has been posted yet, and was going to check with someone she knew or think that could help, but nothing yet. This has caused a burden on me, I would appreciate some Assistance if at all possible. Since this email, Other emails have followed on these dates. XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, The last email on XX/XX/23 was given to XXXX XXXX who stated that they are actively reviewing. I was told that there was nothing they could do until BOA return, I told them that I have reaching numerous times to BOA and they stated that they didn't get it. I have been dealing with this since XXXX XXXX, it has now been almost 4 months. I have had my supervisor keep an update while I was on leave in XXXX and still nothing. I just sent another email on XX/XX/23 asking for any updates. No response as of yet. Please the help would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This bank of America. Told me my checking account will be closed. That " was on XX/XX/XXXXXXXX XXXX XXXX They gave me a date of closure to bet set on XX/XX/XXXX. I told them I received XXXX from XXXX and requested a hardship. To withdrawal my money before holidays and was denied, because they was still processing a claim! So I waited till the XX/XX/XXXX, to see when my check will be mailed after closing. They made me wait XXXX days. I them called bank XX/XX/XXXX and was told they have no set closure date yet, And said that XX/XX/XXXX was just a estimated date of closing account. I have not commit no fraud or suspicious illegal activity. Now here it is almost 60 days later. I still have no access to my checking account that has around {$3200.00} cash. I'm unable to buy groceries essential needs, laundry detergent, this has put a lot of stress and damage on me mentally and physically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75040
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: On XXXX, I submitted an application in a consumer creditor transaction ( XXXX XXXX XXXX XXXX XXXX for a Bank of America business credit card . A few hours later I received an email stating my application wasnt approved. I then called the underwriter/credit analysis department and asked why wasnt my application approved? The underwriter responded that there was some XXXX determining factors for denying me. I then replied that those factors werent reasonable enough to not approve my application. And that, Im the original creditor extending credit in this transaction, so how is it possible I can be denied credit? I gave Bank of America the application for an exchange of credit and they never gave me anything in return!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-24
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: On XX/XX/2024 i submitted an application for a consumer creditor transaction to extend credit to Bank of America for a {$50.00} business auto loan. A few hours later, I received an email that my application was not approved but denied. I immediately contacted the underwriter/ credit analysis in regards to why I was denied. After hearing the determining factors from XXXX requirements. I then stated that Im the original creditor in this consumer creditor transaction and that none of those reason were valid for a denial. I then stated that the mere submission of the application was the promissory note that granted the credit or tendered payment! I gave Bank Of America the application for exchange of credit and I never received anything!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2024-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-25
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XXXX I deposited a payroll check made out to myself into my account and as it would turn out the company I worked for, through an online company, XXXX XXXX, issued me my payroll check on a closed account. The result of this was bank of America closed my account and my joint account with my XXXX and said there's nothing they can do to help me. I was unaware that the account was closed that my check was issued out of. I was only doing what everyone else does when they get their payroll check. Trying to deposit it so I could pay my bills and use the remainder for household things and to care for my kids. Instead I lost {$5600.00} and my account with Bank of America as well as the ability to open an account with any other bank or credit union. How do I get rid of this on my record so I can open a new account and start to have a normal life again. Since this event I have had two unemployment cases opened in my mane that I never opened as well several loan attempts and purchases for cars and a house. I never did any of these. I am a victim of identity theft and just want my life back. It's not like I'm allowed to just change my social security number or my birthdate. It is literally impossible for me to do anything about it. I need help please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95969
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 with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bank of America charged my account a {$15.00} wire fee on XX/XX/XXXX. I did not send a wire from Bnak of America. I received a wire on the XXXX from someone but there isn no record of sending a wire. Attached is an image of the transaction history XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A