Date Received: 2023-06-30
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Account Holder held a credit card account with Bank of America, Bank. As part of the billing agreement, Account Holder enrolled in the autopay feature, which authorized Bank to deduct the monthly payment due from Account Holders bank account automatically. In XXXX, Bank erroneously billed Account Holder an amount greater than the actual balance Account Holder owed. Specifically, the autopay deduction exceeded the correct amount by approximately {$390.00}. This overbilling resulted in a negative credit balance in Account Holders account. Upon discovering the overbilling, Account Holder immediately contacted Bank on XXXX separate occasions, specifically on XX/XX/23, XX/XX/23, and XX/XX/23, via Bank customer support phone line accessed through Bank mobile app. During each interaction, Account Holder informed the Bank representatives about the discrepancy and requested a refund of the excess amount and to close the account. Account Holder provided all the necessary information requested by the representatives and cooperated fully in resolving the matter promptly. Despite Account Holders repeated attempts to rectify the issue and the assurance given by the Bank representatives, Account Holders money has not been refunded to date. The delay in reimbursing the overpayment has caused undue inconvenience and financial hardship. In light of the above circumstances, Account Holder believes it is evident that Bank is liable for the outstanding debt owed to Account Holder, in addition to interest. NOTE : Attachments include account statement and call logs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94402
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was first contacted by XXXX on XX/XX/XXXX. They offered me an interview for an internship. I wasn't suspicious at all because I had applied to around 20 internships in XXXX, so I thought this was just another company I had applied to. After the email, they told me to download and join XXXX XXXX in which we would communicate with each other. During my interview process, I was interviewed by someone named XXXX XXXX. After my text interview, I was told that I had been accepted for the position. They told me it would be a remote internship in which I would be paid {$25.00} an hour biweekly. At this point, I still wasn't suspicious because this seemed normal for an internship. Then, they sent me a form that I had to fill out to accept my offer for the internship. They stated that I would start my two weeks of training on XX/XX/XXXX. Then, they sent me a check for {$1800.00}, and they told me to deposit it in order to buy materials for the internship. They told me the money would be used for a computer. After the check was deposited, they told me to I had send XXXX XXXX the check money so she could get the specific computer that I needed, and I was told to send it in two amounts in order for it to process. I sent XXXX two payments, {$980.00} and {$880.00}. After I sent the two payments, they proceeded to send me another check stating that the money was going towards more materials. I didn't deposit the second check, and I decided to call the company, XXXX, the next day to confirm that this internship was real. After I called and confirmed that the internship was not real, I immediately called Bank of America in order to put a claim in. They transferred me to XXXX where I put my claim in for the wired transfers. After, they told me to be patient and the XXXX money would be transferred back into my bank. I told them that the check was more than likely fake, and that I needed to do something about that because I didn't want my account to be negative. The Bank of America representative told me the check went through, so I shouldn't worry about a negative balance or the bank taking back the check money ( even after I already transferred the money to XXXX XXXX. On XX/XX/XXXX, my account was - {$1700.00}. Then, I got an email saying that my claim was denied, they were unable to do anything about the scam and I had to pay the negative balance. I called Bank of America once again, and they said that they couldn't put a claim in for the check because the money was already back in the original person 's account. Now, I am stuck with a negative balance, and I do not have any other solution or option. I had all of the texts and emails starting from the email saying that I was accepted for an interview to the last day we talk. Please contact me if those documents are needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello the reason why I am writing this complaint without prejudice because I realize building my credit again I made consent payment on a car loan that was under my name and my credit report. The company " Bank Of America '' reach out and told me that I have to make payment on this loan after the loan price reduce from {$17000.00} to XXXX. As well as the start of a XX/XX/XXXX I start to make monthly payments on the following date XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. On the listed dates you will see on my bank statement, looking at my credit report these 's payment was not report on my credit report. After the payment on XX/XX/XXXX they told me that I will have to call them to rearrange a payment on another payment plan to continue to pay off the loan. I did not even receive any notice about this payment arrangement or plan. But I still try to pay it off to get a positive reporting but that did not happened. Base off " The Fair Credit Billing Act ( FCBA ) '', For disputes about billing errors '' failure to post payments and other credits, such as returns. I will like to challenge this auto loan inquiry that is damaging my credit report and history.
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: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I applied for a travel rewards credit card through Bank of America online. On XX/XX/XXXX, I received email confirmation that my card application was approved from an email from Bank of America and that my credit card would arrive in 7-10 days. During the week of XX/XX/XXXX, I received a mailed letter from Bank of America that my application looked fraudulent and that I needed to verify my identity. After calling their hotline, I was referred to have to go to an in-person location to have my identity verified with two forms on ID. The closest physical location being approximately XXXX miles away ( XXXX ) from my home. On XX/XX/XXXX, I went to the XXXX, Indiana Bank of America location to be verified in person. At this appointment, I was told my account was verified and that my credit card was in the process of being mailed to me and should arrive no later than the XXXX. The card did not arrive before the XXXX, and I was out of country from the XXXX with my mail being collected by my family. The card was not in the mail during these dates. On XX/XX/XXXX, I emailed the banker that I met with on the XXXX requesting the account be closed. I had to email him a second time on XX/XX/XXXX to receive any follow up correspondence regarding my request. On XX/XX/XXXX, I was on the phone with the credit card hotline through Bank of America. I was informed that they could not verify my account because I only had 1 phone number and no account number to provide, and that I would need to drive into an in-person location a second time to verify my account. On XX/XX/XXXX, I received a letter from Bank of America ( dated for XX/XX/XXXX ) that my credit card application had been approved and that this credit card would arrive in 2 weeks. I again attempted to cancel my account ( now having the last four digits of my account number ). During this call, I was informed that my account had not been verified on XX/XX/XXXX when I drove to XXXX, IN from XXXX XXXX, IN. I was again informed that the only resolution was to verify my account ( with 2 forms of ID in person at a physical location, approximately XXXX miles away ) for the account to be closed. It has been over a month since I initially applied for the Bank of America Travel Rewards credit card. I am being asked to drive over 400 miles in order to verify my account ( as the first time I visited on XXXX, my account was not verified and they are requiring a second physical location visit to verify that I am trying to close my account ). I have received two difference dates of correspondence ( email on XX/XX/XXXX and mailed letter dated XX/XX/XXXX ) that I was approved for a credit card that I have yet to receive. I am unable to close this account after multiple attempts due to mistakes made on the end of Bank of America ( not verifying my account after the XX/XX/XXXX in-person verification, card not being sent in a timely manner after initial request ). At this time, I want this account closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 467XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XXXX XXXX XXXX, I submitted a stop payment request to stop an UNAUTHORIZED electronic debit [ {$220.00} XXXX XXXX ] on my checking account XXXX, my bank dishonored my request. This transaction was withdrawn from my account on XXXX.As a result, this has created a financial hardship for me to meet my rent obligation. Additionally, I keep a minimal balance in this account because I am in the process of closing account, but need to keep it open until my SSA benefit is credited to the new account that I opened with the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33322
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute for unauthorized charges on my debit card while I was out of the country in XXXX. The dispute was denied. I was told because I had used the card after the charges, however that was on XXXX, not the actual card, prior to discovering any fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I filed a claim with Bank of America edd for my unemployment benefits that were wrongfully denied. Besides the fact that this has tremendously set me back and caused me hardship. I called for reconsideration and filed the dispute again but i have not got a response regarding my provisional credit or anything regarding my money. Please help me resolve this matter i would really appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had fees charged to me for a low balance, so I called the bank to fix the issue, so it never would happen again. I have XXXX accounts at Bank of America. They actually transferred money from XXXX account to the other, so that the balance would be above the thresh-hold. They actually made the transfer. Since then, the money has never been below the thresh-hold, but they charged me a {$25.00} fee on XXXX account and a {$12.00} fee on the other account. I talked to the bank and they declined my request to reimburse me. It was their error, not mine. I know these are small amounts, but they have taken my money, after they supposedly fixed the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60025
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XX/XX/ somebody opened a Bank of America Credit Card in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22182
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a XXXX from XXXX XXXX XXXX in the amount of {$100000.00} as a result of hitting a XXXX jackpot. The check from XXXX was written on a Bank of America XXXXaccount. I thought great, I have an account with BOA. I took the check to local branch on Wednesday of this week and asked specific questions about when the funds would be made available. They said they had to run it through the system first to see if there would be any holds. Did so and it can back with no holds. Teller explained that I should have access to the funds the following day. After completing the transaction and leaving the bank I get an email that they have placed a hold til XXXX morning at XXXX ( ok just XXXX additional day, not tripping ). Then XXXX morning I receive an email stating that they placed an additional hold on the check because check specific information indicates item may be returned. They added an additional XXXX day to the hold saying funds would now be available XXXX after next ( XXXX days after the initial deposit ). I contacted BOA customer service to offer further clarification. First I was told the check was large. I replied yes large to you and me but not to multi XXXX dollar institutions like BOA and XXXX. Furthermore, the check is from a BOA account and they should be able to verify that it is good and funds are available. There should not be a risk of it being returned. The funds are there or not. I asked to have it escalated to a supervisor. I explained again that check was written on a BOA account ( XXXX ) and they should be able to authenticate and verify availability of funds. She said business accounts are different than personal accounts. Therefore, the verification was treated similar to an external bank. I called XXXX on that. I am unnecessarily missing out on the opportunity to collect interest on my own money for nearly XXXX weeks and at this point do not trust that BOA will honor releasing the funds to me XXXX days from now. They have proven to be untrustworthy and have not offered a justifiable reason for why they are not making my funds available to me so that I can benefit from the interest and other investment returns on my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20136
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A