Date Received: 2023-07-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX XXXX an account application was started for Bank of America for a XXXX banking account. It was approved in the same moment just afterwards. I've never opened a bank account with bank of america. This is the second time this has occurred which resulted in me freezing all my XXXX credit bureaus and going through this process once before. This occurred on XX/XX/XXXX the first time fraudulently with the same company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60123
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit balance of {$790.00} on my credit/debit card. I called the credit card department 6 times to get this credited back to my checking account. I even went to a branch twice to have this issue resolved all to no avail. I was told it would take 10 business days for this to be resolved and it is way beyond the time period. >This is fraud on behalf of Bank OF America and I will see it through. XXXX : CASE ID- XXXX XXXX XXXX This issue started on XX/XX/2023 and I am still waiting for my refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I wasn't told that the it would a 12 day wait for the check to clear the Bank to get the funds. Then I was told 7 day by XXXX XXXX XXXX XXXX the XXXX XXXX. XXXX FROM the XXXX XXXX told me 12 day 's. So the please investigation my concerns about how Bank of the has 2 different policies for a deposit from another bank. I WAS GIVEN THE WRONG INFORMATION BY 3 DIFFERENT PEOPLE WHO WORKS FOR Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75044
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Personal information shared with 3rd party reporting agencies without my written or verbal consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Late on a Friday night I received an email from Bank of America that a request for a new checking account had been created. I had been a BoA customer for years but closed all my accounts in XX/XX/2023 because I was so dissatisfied with their customer support and had no intent to ever deal with BoA again, but unfortunately some ID thief was able to successfully get BoA to open a new account in my name. I then called BoA regarding the fraudulent account and was on hold for over a half-hour before was connected to a person who then transferred me to another person who then transferred me to another person, of course being on hold between each transfer and none of them actually transferred the information I told each one of them so had to start over each time. In all, I wasted over an hour of my life with BoA today for something I never wanted/needed! I understand that ID theft can not be completely prevented these days so not complaining about BoA opening the account in the first place. My complaint is that BoA customer support has no straightforward path for what has to have become a common issue where people who are not actually clients of BoA need to speak with someone quickly to prevent further personal damage ( for a victim of ID theft ). Their automated phone menu and the BoA call agents were all pre-programmed to move forward with BoA account details and there was no option for callers like me as a non-BoA customer to easily address fraud involving BoA. Also, BoA does not seem to have any process to prevent this from happening again. They simply are going to close the newly created account ; I doubt they have any safeguards from another account being opened in my name in the future even though they now know my personal info/SSN has been compromised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
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: Around the end of XXXX first part of XXXX I recieved a card from Bank America. I called up and informed the lady that I changed my mine and did not want the card that I did not activate it that I cut it up. She said no problem as long as I did not activate it. On XX/XX/XXXX I talked with person from fraud department Name of XXXX explained what had happened and I was being charge {$2800.00}. He said the account was closed. On XX/XX/XXXX talked to XXXX he said the same thing. I ask him then why am I being charged for a service I never authorized. He said the account is under review and closed. On XX/XX/XXXX talked to XXXX she said she would reopen the claim under a different type. On XX/XX/XXXX got a statement from Bank America showing two different accounts which I never requested. One says account ending in XXXX closed new account XXXX saying I owe {$2800.00} which I have no idea where that account came from. I keep telling them to check the phone recordings and it will tell the whole story from day 1. Which they are not doing or I would not be in this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85339
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
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: Please see the attached supporting documentation. You will see all of the communications between me and the merchant. The parent company is named XXXX. They also do business under " XXXX XXXX '' and " XXXX. They provide skip tracing batch services. I am supposed to be able to send them a company name along with the last known city and address and with that information they are supposed to provide me with XXXX CORPORATE OFFICERS! but they have only provided me with ONE. I did not receive the services that I paid for and my mail campaign is useless. I am disputing this charge along with 2 other charges on my account ( {$300.00}, {$540.00} and {$1000.00} ). They have never provided the information that I paid for. From the very beginning of our business relationship they have never got my billing correct. I have no idea what they are even charging me. I am supposed to be charged {$700.00} per month for the services and every month I have been over charged.That is why I received refunds of {$380.00} and {$360.00} on XX/XX/XXXX. Theyrefunded me for overcharges. I want to make clear that I have no idea what these charges are. They just make them up and run it on my card. Because of their failure to provide the services I have requested termination of our business relationship and blocked future charges. They keep trying to run charges though. Some have been denied but they continue to try. I requested that you refund these charges as soon as possible.I have not received any provisional credit. I was told I would be sent documentation for all 3 claims.. To date I have only received : Case ID # XXXX ( {$540.00} ) on XXXX XXXX. Case ID # XXXX ( {$300.00} ) on XX/XX/XXXX I have not received any documentation for Case ID # XXXX {$1000.00} so that I can dispute it. This is a business card in the name of XXXXXXXX XXXX XXXX of which I am the sole officer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 My payroll check was deposited at Bank of America Location XXXX XXXX XXXX XXXX, XXXX XXXX WA XXXX No one notified me that there would be a hold placed on my check until the next day essentially stripping me of the opportunity to take my payroll elsewhere so that I can actually pay bills. Saturday XX/XX/XXXX, I returned to the same branch to speak with the manage about the hold I was fended off by an additional staff member who didn't even bother to ask my name or any specifics but gave me simple canned responses, basically " there is nothing we can do '' When I asked for manager, I was told they were busy and would not be available to see me until next week. I was told I could call customer service and speak someone there. When I called customer service I immediately asked for a manager or supervisor, the representative asked what it was regarding " I replied- I would really would prefer to just speak to a manager to avoid being fielded off the way I was in the branch. I was placed on hold for about 10 minutes the involuntarily disconnected from the call. this happed 2 times back to back. The third time I called I asked the representative to please take my number as I have been disconnected twice and no one called back, to which she replied she is not able to take my number because she is not allowed to dial out and call me back if I am mysteriously disconnect again, after an extended wait I was told I there are no managers available and I would be placed in a queue for a callback within three hours. I was contacted by a manager named XXXX at XXXX XXXX PST, who basically told me that she could do nothing about the hold and even after I notified her about regulation CC, and that this is not a reasonable time to verify funds for a check of about XXXX dollars, her reply was the same canned responses that I have been given by everyone that I have spoken to thus far. My next question was can I have my check returned to me that I can actually take my check to be cashed elsewhere, as there unreasonably long hold will cause my unnecessary hardship as I can not pay my bills, and the account that I have with them will also now be overdraft due to the unreasonably long hold. None of the people I have spoken can give me a reason for the long hold when a standard hold is 2-5 days. I'm not able to speak to anyone who can do anything about it. I am being given canned responses, essentially, we have it, we're keeping it for 12 days and there is nothing you can do. I'd also like to add that the branch manager at the location listed above would not even come out and greet me, never asked my name, no account information to look up, just a caned response, sent to me by another employee and call customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98512
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Bank of America has failed to reimburse me a majority of bogus cash advance fees related to a checking account that was used immediately & closed shortly afterwords after being told a check would be issued ( with no time frame given )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Bank of America some XXXX from me out of my account and they won't give it back after they promised me they would
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90018
Submitted Via: Web
Date Sent: 2023-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A