Date Received: 2023-07-03
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: In may I called Bank of America to see if they had any 0 interest rates going on and the rep told me to send him a copy of my id and social security card XXXX open me a high yield account and I said no to him and I didnt send him no Id or my social security card, then I get a statement that I opened a new credit card and I didnt do it it was that rep that fraud rd my card of a XXXX dollars and Bank of America will not give my money back Ive been disputing this since XX/XX/XXXX and it should not have went off my credit card account .bank of americas trying to make me pay for something I didnt do and Ive been with them since XXXX, so please help me get my money back, Im a senior citizen living on fixed income
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28540
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Good good this complaint is a follow up with a current complaint I file with cfpb, the complaint ID is XXXX. Also a notarize letter I recent sent to the company I am complaining about which is Bank of America. Be advised ( I mail this letter today XX/XX/2023 after the the complaint ID number listed in this complaint. ) I will like to send you a copy of the letter to inform you that the company will be put on notified as soon as possible. Also other supporting documents that can help my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11216
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a letter in the mail saying my account was closed, but I have never opened an account with Bank of America. The account was opened on XX/XX/2023 where they proceeded to do 19 XXXX transfers amounting to {$560.00}. Most of the funds were withdrawn and it is left with {$29.00}. I have contacted Bank of America to report this to the fraud department and declined to provide further identification as I do not feel comfortable with my valuable information. They have the incorrect email on file despite countless corrections. I called today XX/XX/2023 to inquire about the status and my claim has not been processed yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19125
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home loan was paid off on XX/XX/2023. I have contacted Bank of America three times and they told me that the check is in the mail but I have not received it. They told me to wait for it and if I have them re-issue the check, it will be another wait. It was supposed to have been paid back to me within 20 days because it is an escrow refund. I want my refund immediately. I have had problems throughout the time of having an account with Bank of America and I want my refund because the mortgage has been satisfied for over a month.. They even removed the mortgage account information which was available online. At this time they owe me interest on my money theyve illegally withheld.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My checking and saving Account is in Bank of America. My account is locked and when I approached to BANK they said there is wrong cheque was made with my account. I don't know how it happened. I tried to request them but they said your account will not reopen in BOA. Please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing to dispute a charge of $ XXXX mycredit cardaccount XXXX XXXX 2023. The charge is in error becausemy credit card was reported stolen and I was not in the country when the card was used. I have proof of my travel if required. I have already made multiple calls to the fraud and claims services explaining that my card was stolen however the agent I spoke to didnt file the claim correctly. This error is because the Bank of America representative did not file the claim correctly. The error needs to be corrected and any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94085
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX s wire transfer was made for XXXX Funds were pulled on XX/XX/XXXX with no issues @ XXXX On XX/XX/XXXX a wire transfer was made for XXXX Funds were pulled on XX/XX/XXXX for XXXX with no issues @ XXXX On XX/XX/XXXX a wire transfer was made for XXXX @ XXXX On XX/XX/XXXX I went into branch to pull funds from wire transfer And was told to wait for approval from manager for XXXX I waited in bank then was pulled aside by manager and was asked questions regarding the transfer, if I knew the person who sent the transfer I said yes, he was a referral I recv 'd from a friend. She asked me, if I ever met him I said no, she said I am sorry to tell you honey this is fraud. She said she was transferring over to the fraud department for investigation. I said but all the transfer came from the same person and there was no issue on the other wire transfer. She said nothing, just said I'm sorry this is fraud and it can take up to XXXX for them to complete to investigation. On XX/XX/XXXX I went back into branch and asked to speak with manager again. I waited about 15min before she came out. She didn't like that I was there again and stated to me that the investigation wasn't going to be over anytime soon, I said well the funds where verified and everything should be good. The 3rd party went into the branch where he lived and they told him it didn't matter they were not releasing funds to anybody. She didn't care about helping me at all. She said she was sorry there is nothing they can do. And funds will not be released. On XX/XX/XXXX I went back into branch to see if they got the verification yet and the manager said no and she said they completed their investigation and found that it was fraud and that I will be black listed for this. I said it's not fraud and none of this makes since. I asked what is going to happen to the funds will they be returned to the original owner? She said no. No one is getting the funds she said because its fraud they will be keeping the funds. I asked her to show me how it was fraud and she said she couldn't because it was against bank policy and that she recommend I get a lawyer to find out why it was fraud. On XX/XX/XXXX I called the fraud department to see if I could get somewhere with them. They told me that they weren't too sure why the claim had been but on fraud alert they weren't showing any kind of issues on their end. But they said it was put under investigation for fraud. So I waited till the next day On XX/XX/XXXX I called the fraud department again for an update and I got that they were not allowed to discuss it with me anymore that I had to go into branch and show two forms of ID. Well I had went into branch 3 times I wasn't going in again to be told nothing. I am very confused as to why this has been handled this way with no explanations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Bank of America XXXX I had money in my account for XXXX on XX/XX/2023 the next day XX/XX/2023 it was gone, someone had commited fraud on my account called them on XX/XX/2023 had my card closed they told them they won't give me a new one to replace it because they said that the address was a XXXX XXXX address I don't live in XXXX XXXX, I live in XXXX. They told me to call XXXX to change the address I did and the information on my edd account is my actual address which is XXXX, Ca. So someone took {$930.00} of my XXXX money and Bank of America has done nothing to stop it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, My name is XXXX XXXX XXXX and I have been a preferred platinum member with BOA for over 15 years. I have an issue with the Bank because every time I use my debit card or make a purchase with my debit card I get international transaction fees. Previously, the bank would waive these fees for me if I had already made a purchase. However, now they want me to call each month and tell them I need a waiver put on my account. I find this very inconvenient and somewhat of a hassle. I have told them that I could give them the dates that I would be overseas, but they still want me to call each month. BOA has been impractical and unfair regarding this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: XXXXXXXX XXXX XXXXXXXX used deceptive practices and false information to get the CFPB to close a previous complaint without a resolution. They claim they are legal representation of the original creditor but failed to send me any documentation of such. They only sent me a letter saying they're a debt collector regarding the account. The CFPB did not require them to provide written documentation to provide they advised me they are representing the original creditor in the ongoing legal matter with the original creditor. If they are, in fact, the legal representation of the original creditor they sent me a letter stating they are a " debt collector '' dated XXXX XXXX about the account and alleged debt and made no mention as legal representation. They failed to send a legal response to the Affidavit of Truth sent to the original creditor on XXXX XXXX nor the Affidavit Non Response notice dated XXXX XXXX. So in fact, they are a debt collector as I have no written proof from XXXXXXXX XXXX XXXXXXXX stating otherwise. I am requesting the Ombudsman office handle this complaint and DO NOT CLOSE IT STATING IT WAS PREVIOUSLY RESOLVED. THE ISSUE IS ONGOING AND NOT PREVIOUSLY RESOLVED BY THE CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A