Date Received: 2023-07-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted the banks of each that was reporting a new inquiry on my report fraudulently day of inquiry and day after but no response or resolution since XXXX XXXX i have written and called each company to remove inaccurate information and to inform i gave no permission for the inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19148
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Bank of AmericaXXXX On Saturday, XX/XX/2023, I went to my local atm to deposit 10 checks I had stored away, one check for {$300.00}, one for {$200.00}, two for {$50.00}, one for {$50.00} and six for {$100.00}. After I had inserted the checks into the machine I clicked to finalize the checks. As they were depositing the atm froze and rebooted with no trace of my checks in my account or any confirmation email. I contacted customer service of Bank of America and filed a dispute. During our conversation she told me that they would conduct and investigation but I may not receive any money if they cant find my checks on the server. I told her that I doubted the checks were fully uploaded to the server. I also asked why they couldnt check the atm to see that my checks were in there. She had no idea how the investigation worked. Therefore I filling this complaint to ensure my checks will be fully deposited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30120
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: 2023-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Bank of America XXXX, Mn This account is all fraud and they want me to pay for this.. I tried several times to make arrangements, and they refused, I tried to make a payment with cash, check, debit card and they refused... they wanted all the money or none..I told them that i had gotten scammed and was unable to pay the balance and finally my new mortgage company had to get involved and forced them to take the payment. of {$120.00}. from me and told them the rest was fraud and scam charges and still kept wanting more money .... They are very difficult and hard to deal with. I have been in contact with the police and finally got a report. Case # XXXX Its a scam and Fraud case of {$35000.00}, in credit cards and stealing of bank account information. These scammers said with would help me pay of the bank of America account, just give them he account number and they would pay it off ... .Yes they did and in 2 days they reversed the payment. which created more charges. The balance is at over XXXX this continued with 3 other credit cards, and with in 3 days they had maxed them out. And they all want their money and I'm on a fixed income. And over XXXX in age and XXXX. they have stole everything .... The next card is XXXX XXXX XXXX card, they are getting a police report also and the scammer kept on .... These scammers steal the credit card information right off your phone off the receipts..The next big deal is they use gift cards, XXXX and XXXX XXXX, XXXX and up. they promise you the world, and all I've gotten is a bad credit score, from XXXX to XXXX ... and try and get a mortgage on that. Trust me you cant. The credit credit companies will get the police reports and names of the scammers which i all have. This started in XX/XX/2023 and XX/XX/2023 ... ... Thank You
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55082
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: When I got the got the card before I used it I got a fraud larer. I call and activate the card and was told it was a fraudulent letter. It was mid XX/XX/2023 I then try to use the card and it's declined I call and I'm told I have to go to the bank this was between XXXX XXXX on XX/XX/XXXX I spend the whole day at the bank. I was not told I would need an appointment nor did the banker at the bank told me I would be waiting for over 3hr. But I waited, told it's fix and my information is update I go use it and it's block and I have to call again and told again it's fix and it work then this all happened on same day XX/XX/23. Today XXXX XXXX it gets block again I'm on the phone for over 3 hr. I keep getting hung up or transfer. I'm told it can take 60days before a update phone is fully verified for them to send passcode to do. No back up system but go back to the bank. I'm told call back using their online XXXX XXXX that way we can verify your account and have access. I call back no I'm told that was miss information they have to do passcode it can take 60days but my promotional offer end in 60 their reply you have talk to customer service. I say I want to close my account okay I can do. I ask to speak to a supervisor because if they can close a account then that mean they can unlock it. I'm told samething since they can't send a passcode I have to go bank to the bank. I tell him to close account he tell me it can't be close because I owe a balance. I tell him no he can close that account and bill me. He claims he can't & I have to be transferred I get disconnected. I call back I'm told I was told to go to the bank to close the account. I told her this is 4th person I was not told that a supervisor told me he was transferring me to someone who can, she hung up. On the 7th person I get someone who finally close my account. They had no trouble verifying me in closing it out. This is extremely poor service for a brand new account. Horrible customer service kept being transferred. Kept being hung up to a point where I got so irate. I snapped at the agent and then they finally closed it. Each time I had to call back I had to wait 30 minutes and then when I was transferred to a different department that was an additional 30 minutes. I understand they were busy but this was ridiculous. Each time I talk to someone my hold time was 30 minutes before they pick up. It was only on my seventh try did I I got someone who finally did something.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32809
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: Problem using a debit or ATM card
Consumer Complaint: On Tuesday, XX/XX/2023 at XXXX I received a text message from Bank of America asking if I initiated a cash advanced transaction with XXXX for {$500.00} of which I immediately replied no. Bank of America then responded with a text stating that my account was restricted and instructed me to file a claim. I quickly logged into my account and was met with another message asking about the same {$500.00} XXXX transaction in which I clicked on decline. As I reviewed my checking account, I noticed that there had been three ( 3 ) {$500.00} cash advanced XXXX transactions of which I also did not authorize. The text message alerted me of a fourth attempt to withdraw another {$500.00} from my checking account. At this point, my checking account had been overdrawn and the transaction was taking the money from my savings account. I immediately called Bank of America to notify them of the four ( 4 ) unauthorized {$500.00} XXXX transactions of which they were able to stop the last one since I declined it. I clarified to the BoA agent that I had my debit card in hand and was in no way at any of the XXXX locations nor did know of this banking institution. I also explained that I habitually and regularly review my banking account information every morning as I start my day to make sure that my finances are in order as I had done earlier that morning in which my money was still in my account. The BoA agent had no sense of urgency and was making claims that I had already filed a claim for these transactions the night before of which was not true since the issue just took place a few minutes prior to my call. In a juvenile and nonchalant nature, he continued to argue with me and insist otherwise as he was only reading what he saw on his screen of which I then requested to speak to a supervisor. That supervisor was not privy to my transaction issue as the previous agent did not update her on the matter. As I had to once again explain what transpired and clarify that I had not yet filed a claim. She then confirmed that the previous agent was incorrect and a claim had not been opened and stated that she could proceed with opening a claim. I followed up with asking her why the bank could not put a hold on the first {$500.00} transactions as I have lost {$1500.00} of which I needed to pay rent due that week and urgently needed my money back. In a rude and unprofessional manner, she interrupted me to say that she had no control over what was taking place and she could not do anything over the fact that I have lost that amount of money. She then proceeded to transfer me to the fraud department without confirming that she had filed a claim on my behalf nor did she read me any disclaimer confirming the opened claim. Therefore, I did not know that a claim was opened when I finally spoke with the fraud department. To note, this subpar and inconsistent misinformation by BoA agents were consistent throughout the coming days in which I followed up with BoA regarding this matter. As I spoke with the fraud department agent, she explained that the {$1500.00} were on hold and have not left BoA and that I should see the money placed back into my account at the close of business day at XXXX that evening once the system updates the transactions status from pending to posted. She asked that I give the system time to catch up and that by the next morning I will see that money posted back into my account. The following morning, I once again reviewed my account and noticed that the money had not been placed back into my account as the previous agent stated. I immediately called BoAs fraud department at the opening of business day. The agent informed me that the previous agent I spoke with had misinformed me. She continued to explain that she could see on her screen a time and date stamp of XXXX for that night of when I will see my money returned to me as it has not left their institution. She stated that she would file a complaint on the previous BoA agent who provided me the misinformation, all of which added more stress to my predicament. When I checked my account that evening after XXXX, I was frustrated to see that yet another BoA agent had misinformed me on the status of my account. The following morning, the status for the three transactions totaling to {$1500.00} showed as posted which means that the money had in fact left my account and the BoA institution. I once again called BoA at open of business time, and that agent then explained that the previous agent was mistaken and that she would submit a complaint on my behalf. I made it very clear that I had been experiencing nothing but subpar service from all the BoA agents who all consistently provided me contracting information from each other in addition to the heightened stress that I was feeling from not having any money to pay my upcoming rent. The agent said that I would be temporarily credited the {$1500.00} from BoA within 10 days of which I countered to again explain that rent was already due and needed that money immediately. She offered to escalate the crediting process but that it would still take another two to three business day before I receive the credit. Luckily, I alerted my landlord of what took place and they were gracious enough to allow me to pay rent a few days late without any penalty. Most recently, on Tuesday, XX/XX/XXXX, I received an email alert from BoA stating that a {$1000.00} credit was provided to my checking account. I called their account services and they stated that it was due to a claim that I had opened on that day of which I did not do. I told the agent that this was an error and untrue as I have not called BoA regarding any claims since early XXXX. I was then transferred to the Debit Card Claims Department of where the agent there, after hearing my explanation, clarified that from the previous claim of {$1500.00}, {$500.00} of it was found to be an error and credited back tome permanently but that the remaining two ( 2 ) {$500.00} were not and the claim was closed either by accident or as an error. As such, instead of the BoA personnel continuing the investigation of the remaining {$1000.00}, they closed that existing claim and opened a new one for the just those {$1000.00}. None of that made sense to her entirely but she assured me that it is still being further investigated and she would also file [ yet ] another complaint about BoAs mismanagement. On Friday, XX/XX/XXXX, I received a robust letter from BoAs Resolution Specialist stating that in fact {$500.00} of the {$1500.00} claim were found to be an error but that the last {$1000.00} were legitimate and that I was responsible for them. He then falsely alleged that I called BoA on XXXX to dispute this conclusion and had a claimed opened of which is not true. Yes, I called BoA on XX/XX/XXXX as I stated above but I called to inquire on why I had been credited {$1000.00} into my checking account not knowing anything about a new claim and therefore, I could not have possibly called to dispute of a resolution and open a claim that I did not have any knowledge of. This is just another example that further demonstrates the high inadequacy of BoAs personnel. This robust letter by the Resolution Special provided no information to substantiate why a portion of those {$1500.00} were to be an error while the other were legitimate. How is that possible when all three of those {$500.00} unauthorized transactions took place seconds to minutes within each other and all from the same XXXX branch of XXXX? Additionally, the Consumer Financial Protection Bureau states that if money was taken from my account as a transaction using a debit card or electron fund transfer, that I may have protections under federal seeing as how I acted immediately to report the fraud. Bank of American has not specified XXXX actions or response regarding this matter but I am holding them liable as well as the fraud was committed through their banking institution branch and they do not seem to have any interest or urgency to diligently seek the truth as to how this happened. I will also be filing a sperate complaint against XXXX as a means of holding them accountable and having them investigated for their failure to work in having my stolen funds returned to my account. In closing, after 17 years of being a customer at Bank of America, I am beyond irritated with the high level of incompetency from all the unprofessional individuals who provided incorrect and contradicting information through this matter. In consistently experiencing such subpar service, yielding not even the shadows of world class service as they claim, I have happily decided to open a new account at another banking institution and entirely dissolve my relationship with Bank of America once this matter is completely resolved. As a result, I transferred my savings account funds out of BoA, closed that account of which I will do the same with my BoA checking account once this claim is correctly resolved and my stolen funds are permanently credited to me in full. I look forward to no longer having to associate myself and any of my business with Bank of America and their poorly trained, unprofessional agents and specialists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08055
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: 2023-07-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Accounts : 1st is the Current XXXX XXXX XXXX XXXX XXXX ; then Bank of America/XXXX ; and the reason starting this FRAUD COUNTRYWIDE THST WAS FOUND GUILTY OF FRAUD AGAINST US MORTGAGE HOMEOWNERS. _____________________________ XXXX XXXX XXXX / XXXX # XXXX Loan # XXXX ; then -BOA/ XXXX - Loan # XXXX ; then - XXXX/BOA/ XXXX XXXXXXXX # XXXX XXXX XXXX ( They have and had all these loan amounts listed bogusly with bogus amounts to keep me from refinancing away without them being able to steal my equity with these bogus balloon balance ) XXXX XXXX XXXX ( is the culprit on all 3-loans ), XXXX knows the fraud that is being committed with this bogus balloon balance ( s ). Balloon balances listed on my credit and payment Balloon balance listed {$150000.00} XXXX balance list : {>= $1,000,000} ( Balloons are fraudulent and should be discharged or removed ) Illegal Fees pd XX/XX/XXXX. {$450.00} Illegal Escrow shortage : {$420.00} ( XX/XX/XXXX ) More now Unpaid bal : {$570000.00} ( XX/XX/XXXX ) wrong this should be about $ XXXX ( I have been in my home over 20 years with a 30 years and I have never missed a payment ). XXXX started this fraud and BOA AND XXXX CONTINUED THE THEFT. New unpaid bal : {$620000.00} fraudulent- Please do your job and read, listen and hear what I am telling your office that is supposed to protect me. The XXXX balance on my mortgage is bogus. It was place on by XXXX illegally just before XXXX went under due to FRAUD TO THEIR CUSTOMERS ( ME! ) I was a customer mortgage holder. This bogus XXXX balance then passed on or was acquired by Bank of America XXXX who I sued in court but they failed to remove it due to fraud again they just tried to give me money and keep the XXXX balance to illegally continue to steal my equity. Then because of this law suit that they tried to pass this XXXX balance to XXXX XXXX XXXX XXXX XXXX. XXXX knows they are still committed fraud still continuing stealing my equity and steal in each mortgage payments. They know I am XXXX XXXX XXXX and can not afford an attorney XXXX to fight in court which is why YOUR OFFICES, my governor and government should be ashamed not protecting me. I need this FRAUDULENT XXXX BALANCE REMOVED FROM MY MORTGAGE. XXXX started this fraud and Bank of America and XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX knows this snd continues this theft and fraud because your offices will not do your job to correct this theft and protect me. Protect me and send this balloon balance back to XXXX the other two banks have been capitalizing offer of this fraud too long.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2023-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I used the website XXXX to purchase both a plane ticket and a hotel room to go to the XXXX XXXX. I made the original purchase for the plane ticket on XX/XX/2023. I paid {$130.00} up front and agreed to monthly payments of {$170.00} to be paid until the total amount of {$1100.00} was paid in full. I was making the payments on time since the purchase out of my Bank of America checking account. On XX/XX/2023 I received several notifications from my Bank of America app that that six large transactions were made. There was four separate transactions for the amount of {$460.00}, a transaction of {$1000.00}, and a transaction for {$820.00}. I did not make or approve any of these transactions. Upon checking my XXXX account these transactions were not present and only listed my current monthly payments I previously agreed to. I spoke to a member of the Bank of America fraud claim team and gave him all of this information. Although a portion of the money was able to be refunded due to the team member canceling them in a timely manor, {$2300.00} remained unaccounted for. The team member opened a new claim for me on XX/XX/2023. On XX/XX/2023 I received a notification from Bank of America informing me that my claim has been considered resolved and they were unable to refund the remaining {$2300.00} as they believe I approved the transaction. I did not approve any transactions outside the month of XXXX. XXXX is also now demanding I continue to make my monthly payments of {$170.00} even though they currently have the {$2300.00} I did not approve them to take.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01854
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: 2023-06-28
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Ok I pay bank of America XXXX a month on auto pay so i never forget to pay it. its been XXXX a month I can't remember how long, but they raised the fee XXXX dollars a month. they said they sent me emails, I only received XXXX email and that said i had to pay XXXX because I haven't made a payment in 2 months making the email i opened 3 months. So, I called them up and spoke to a woman i think her name was XXXX. She was rude and told me when make the payment she will go over the acct, so I ask her for a supervisor which a guy named XXXX came on the phone. i ask him to help me and look at my acct I have never been late and if you would of called me i would of had no problem paying the extra XXXX a month. he would not help me and i have never seen a credit card company not wanting to get to the bottom of a problem. I was AL reading having problems with an old checking account that was never getting resolved. All I wanted was to know how I owed XXXX for 3 months when I was paying XXXX a month. and i wanted the later charges removed since auto pay paid it on time. I'm not receiving any help. CFPB sent my banking problem to XXXX and i was telling her about the bank of America credit card. how unprofessionally and nasty they were. she said she would look into it and get back to me. So, I still haven't heard back from her so i am filing my complaint. I received a letter in the mail today XX/XX/2023. It has my name and my husband 's name and address on it and bank of America at the top, the date, my last XXXX of my credit cards. no name who sent it, who it's from. I don't know if someone hacked my acct or my name, I will send this to you. i am taking it to a lawyer because I don't know who sent this. I'm scared bank of America gave out my info. On a letter it is supposed to have who its from and contact information. i don't know who sent this. 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: 081XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hello, today I recevied a suspicious debit card from a mailer claiming to be Bank of America with advice to call a number to activate the card. I do not have any bank of america accounts or loans. I tried contacting both a boa a branch and fraud number. I can not get assistance as the demand my ssn or account number. I am not giving them my ssn as that is the same information the fraudsters require. Without a ssn or account number, I can not speak to a human being at boa. I can not get by the recording!! Help please!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: There was an account opened in my name with Bank of America and also XXXX. Both accounts have been closed. There was also another hard inquiry on my credit from discover card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2023-06-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A