Date Received: 2023-06-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was assessed monthly maintenance fees for an account going below {$1500.00} daily balance per Bank 's terms. The balance was then brought above {$1500.00} during the statement cycle via deposit and credit by the Bank. At this time, the Bank assured me that I would no longer be assessed fees if I maintained the balance at or above {$1500.00}. I did so, and then on XX/XX/23 was assessed another monthly maintenance fee. I respectfully insist that this fee charged XX/XX/23 be reversed, and I subsequently not be penalized via fee or otherwise on XX/XX/23 since this fee on XX/XX/23 again caused the balance to drop below the fee threshold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On about XX/XX/2022 I have made about a {$110.00} purchase on my Bank of America credit card and not made a payment for about six months, becouse I had an automatic minimum payment feature activated on the account wich for some reason - the bank never satisfatorily explained why never was activated in their end even after numerous personal and phone request. They never notified me they just started adding late fees and penalty fees for six months and now it is stand at for some {$330.00}. I have paid the {$110.00} actual charge with interest, but refused to pay the fees and penalties. They reported me to the credit bereaus and ruined my credit. I demand they redract their baseless complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34207
Submitted Via: Web
Date Sent: 2023-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
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 XX/XX/XXXX I became XXXX through no fault of my own. After a long struggle, I got back home and started XXXX during covid. I was worried about home repairs, and was contacted several times. I purchased what I thought was a 5 year home warranty from XXXX XXXX XXXX XXXX last year for {$1100.00}. XXXX told me many things ... that he added notes to the file and red them back to me, and I asked him specifically given I've lived in the house for 10 years with no problems and it was built in the XXXX it is probably time to start. I red a policy terms that are different now than on the site. He latched on to my newly XXXX status and upsold me ( which is why there are XXXX charges ). Except last month, when I go to use them, the terms are different. It isn't 5 years, it's 3. It isn't a 1 day turn around ; they assigned someone to fix my water heater and 6 weeks later I heard that he wouldn't do it unless I paid him ( they don't pay him well ). My bank asked me to mediate with them ; my argument is that there was never a contract as there was never quid pro quo or real consideration they intended to provide. To this day, they have never provided any consideration, so I'm not sure what grounds they believe the contract was consummated. In any case, I tried a few routes : 1 ) my bank is hesitant to get into this because it is over a year since I made the purchase. I'm not sure what that matters ; for long term scams, I would never know. Something might happen in the first 30 days which they won't cover, the 200th day, or even longer. They sell long term 'promises ' but never deliver. XXXX ) I met with XXXX XXXX several times and they said the most they could refund was {$250.00} ( a prorated amount of what I used ). Again, I never used anything from them, and when I read the contract online, it was different than what I had read when XXXX put it in. All the emails are internal to them... nothing is shared. XXXX is no longer at the company, but he got his commission. They flat out lied. 3 ) I'm contacting you. I became XXXX in XXXX and that is why I signed up for this protection. My water heater is failing ; the worker won't come. My toilet is leaking ; they closed the ticket immediately. My bathroom sink is leaking ; they closed the ticket immediately. My kitchen sink faucet is leaking ; they closed the ticket immediately. Apparently, they don't cover anything ... as inside the walls is covered by my XXXX From their perspective, they don't cover anything. My XXXX or homeowners insurance would cover, but I purchased them as I had been in a fire in XXXX ( not on our floor ) and the homeowners insurance was 4x for 7 years. They were supposed to protect me ; instead the lied. I flied a report with the FTC XXXX ; my bank should be standing in and protecting me. I never got what I was promised ; I never used them. There was no consideration ... no contract, and the terms should be dissolved and my {$1100.00} refunded. Please help! I need that $ to make actual repairs on the items they won't cover, and I am now unemployed and trying to navigate that system as I recently got hurt again and can no longer walk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: A couple times last year XXXX and again this spring- a fraudulent account was opened under my name for a Bank of America card. I have XXXX XXXX and they alerted me to this activity and helped me report it and close the accounts with Bank of America. I thought the issue was resolved. I even got a letter saying it was resolved from Bank of America. Recently my husband and I applied for a construction loan and had to have our credit report run. It shows an open account with Bank of America on the report. I called them again yesterday and the customer service agent was not able to find any open accounts under my name, SS # or DOB. Our credit union suggested I file a complaint with you since it was reported on our credit report. Luckily the balance was XXXX, but it was an account opened in fraudulent ways and was supposed to be closed and blocked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83221
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: To whom to may concern, Please refer to complaint # XXXX. This complaint was issued earlier, as it will explain the need for this additional complaint which was caused by the same issue Bank of America ( BOA ) refused to correct. I will include the above referencedcomplaintin the filing at the bottom of this synopsis. I am requesting BankofAmericacredit/refund thereturncheckfee {$20.00} and additionalinterest charge of {$15.00}, totaling {$35.00}. These fee/charges are due to BOA 's negligence and futile archaic notification policy after wrongfully freezing our joint checking account. Never receivenotice or information about the freezeon our account, even after speakingdirectly with a BOA representative21 days after the freeze had occurred. Yes, I can not overstate this enough. Not one notification, I receivedthe attached letteron XX/XX/XXXX. Dated XX/XX/XXXX. My Tax Collector informed me that the check I submittedto pay my property taxes was returnedunpaid. This check was issued on XX/XX/XXXX! I was extremely embarrassed by this notice. So much so, that I immediatelydrove to the XXXX of XXXX XXXX. I spoke with the Deputy ClerkXXXX XXXX. She is a very understanding and professional individual. I explainedthe situation and asked to have her waive all the additionalinterest fees includingthereturncheck. Explaining it was BOA 's error that causedthese actions. I also provided a letter from a BOA Professionalfrom my local branch explainingthe fault was not mine ( Letterincluded ). After XXXXcontacted the Tax Collector, XXXX was advised unfortunately because the taxes were not receivedon time, the additional interestand fees could not be waived. This is the same issue with the previouscomplaint involvingXXXX interestcharges. That is why I will includeit for reference. In closing I am requestingthese fees ( {$35.00} ) are refunded/credited, not for the minor monetaryissue, but the principlethat it was causedby BOA 's error, and an archaic policy. I thank you for yourattentionto my complaint, and look forward to your decision. If you require any furtherinformation please contact me. Respectfully, XXXX XXXX *********************************************************************************************************** Complaint # XXXX To whom it may concern, I am writing to complain about Bank of America ( BOA ) refusing to properly notify me that my account had been wrongly and unjustly frozen, and never received any notification of this. They then refused to reimburse me for an interest fee ( {$45.00} + {$36.00} = {$82.00} ) that was charged due to their lack of a common sense policy and procedures regarding the freezing of my wife and my joint account. Let 's start with the facts. Me and my wife have had the same joint checking account with BOA since XXXX. In past years we have received many communications from BOA, including text to my phone, letters to our home, and emails. We have resided in our home which BOA has issued checks with that address since XXXX on multiple occasions. I have tried to have this issue corrected at my local BOA banking branch, but I was informed to contact the XXXX customer service number. I did. Then I was told by XXXX who again understood my issue but stated he did not have the authority to credit my account for the fee caused by BOA. XXXX instructed me to contact the AML number XXXX -- XXXX. I did, speaking to XXXX, and then XXXX a supervisor, who in the end agreed that the policy was heavily flawed but he did not have the authority to credit me the fees caused by BOA antiquated and archaic policy. Here is the issue. BOA policy stated that they needed to verify information on my account? After speaking with XXXX, BOA froze my account on XX/XX/XXXX. It starts with freezing my ATM/Debit card. FYI, I never use this card due to its direct link to my bank accounts. I choose to use credit cards for purchases. So I had no idea this had occurred. Then I signed into my BOA account online to transfer funds to make a BOA Credit Card payment. Online would not allow me? I called BOA on XXXX XXXX and verbally spoke to a BOA representative, who I can not stress enough, never informed me my account was frozen and proceeded to make the BOA credit card payment with her over the phone. XXXX informed me the account was frozen since XX/XX/XXXX, and the representative I spoke with on the XXXX of XXXX should have notified me of such, but did not. Then I received a letter that that payment I made to my BOA CC had never been made. BOA of course credited that late fee. Again, knowing they were wrong and having the authority to do so.Here is the ridiculousness of it all. Remember my wife and I have had the same BOA joint checking account since XXXX. XXXX informed the policy states, one letter is sent to the address, yes only one letter? Which was never received. Then they contacted my wifes contact number on file from yes, XXXX. A home phone number we did keep but not used and was disconnected in XXXX. Tom acknowledged the number was not in service/no contact made. Then attempts were made to contact my wife via a comcast email, again yes comcast showing you how old the email is. I asked why no one tried to contact me as before at my phone number, or email since it is a joint account? XXXX stated it's not BOA 's current policy, and agreed it was again ridiculas. I informed XXXX that my mother-in -law had just passed away and her and her husband 's account was only frozen up to half the amount in the account. Why is this not done in this circumstance. XXXX stated it would make things easier if it would be done that way, and easier if they could notify the Joint account holder, but again it is not current BOA policy.The amazing thing is the required information, which BOA already had, consisted of the following : My wife needed to contact them and verify her name, SS #, and citizenship. All of this info was again on file. So after not receiving any notification, never receiving one letter, not one phone call, and no emails, then admitting the policy is out-dated, archaic, and ridiculous. BOA staff could not reimburse me the interest fees, which I never had to pay in my entire life until my Automatic payment to XXXX was returned/denied. I did contact all other companies and explain why the direct deposits or auto-pay were denied. Every company including XXXX returned the late fees and returned payment fees. The exception was the interest charge fee. XXXX stated due to it being a property related tax fee. It could not be credited since the payment was not received on the proper date and past due. So in closing, I am requesting that BOA reimburse me the interest charged by XXXX in the amount of {$82.00}. Again, which I had never been charged since owning this property since XXXX. I have attached the documents to show the interest charged. I have exhausted all other avenues to resolve this issue with BOA. Hopefully this complaint will help to stop this ridiculously archaic, and antiquated policy from hurting someone. Not knowing my account was frozen for 23 days! What if I had minor children in a vehicle, needing fuel or food to get them home, with no cash, and no access to my account due to this policy. Oh, and the AML department is only open until XXXX XXXX. As you will see from the same documents, other fees were charged but as I explained earlier. These fees were returned or credited. I thank you for your attention to my complaint/issue. I look forward to your determination. If you require any further information please contact me. Respectfully, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08037
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bank of America is denying my claim without proof from merchant, which violates EFTA and regulation E governing disputed transactions. During the dispute process, the merchant needs to provide proof the transaction belongs to the card holder. The bank claims the charge is mine due to a time delay in disputing the charge, which is there new excuse for not abiding by regulations. I called the claims department and was told I had to provide proof the transaction was unauthorized. I dont have proof because I dont have an account with the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was barely in the country from out of country trip when the Fraud charges happened. I got a notification received on my email and text regarding a charge. I immediately called them and went online to the bank website to disable my card. I was literally still on the phone with them as I was receiving charges in real time to my card to my phone. I told them it was fraud and the charges were made without my permission, especially WHILE I am on the phone with them. I have told them, while the charges are happening in real time, that it's not me and I do have the card in my possession so it made no sense how its going through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95209
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: They have paid me part but not all I dont understand how you can pick apart my claim, I am a victim of identity fraud by a roommate of mine, my life has been ruined, she has financial ruined my credit and I really need to move we both are on the lease
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2023-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Bank of America closed two accounts without notice or explanation even though Id never missed a payment. Accounts ending in XXXX and XXXX. Ive also attached screenshots of the multiple payments Ive made since account opening numbering in the XXXX or sometimes XXXX per month in payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66047
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-23
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Request for Removal of Hard Inquiries from XXXX XXXX I am writing to seek assistance regarding the removal of XXXX hard inquiries from my credit profile. I recently reviewed my credit report and noticed these inquiries, which I believe are unjustified and potentially impacting my creditworthiness. First and foremost, I would like to express my appreciation for the valuable work that the Consumer Financial Protection Bureau ( CFPB ) does in safeguarding consumer rights and promoting fair practices within the financial industry. I am confident that with your guidance and expertise, we can address and resolve this matter efficiently. The hard inquiries in question are as follows : BANK OF AMERICA ( Bank ) XX/XX/2022 BANK OF AMERICA ( Bank ) XX/XX/2022 I am requesting the removal of these inquiries from my credit profile due to the following reasons : Lack of Authorization : I have not provided authorization to these companies to access my credit information. Therefore, these inquiries were made without my consent, and their presence on my credit report is unwarranted. Inaccurate Reporting : Upon careful review, I have determined that some of these inquiries have been inaccurately reported. The information provided by the companies may not be reflective of my credit-seeking behavior, and therefore, these inquiries should not be considered legitimate. Potential Identity Theft : Considering that I have not initiated any credit applications with the mentioned companies, these inquiries may be indicative of fraudulent activity or potential identity theft. I urge the CFPB to investigate these inquiries further to ensure the security and integrity of my credit profile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90712
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A