Date Received: 2023-06-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023, I contacted Bank of America ( BOA ) to make a payment on my credit card account ending in XXXX in the amount of {$970.00}. I immediately realized the amount was taken out twice ( as I also had my online account opened ) while speaking to the representative. I immediately brought this to his attention and he apologized and informed me that he completed the required forms and the extra {$970.00} payment would return to checking account in 4 days. I called back on XX/XX/XXXX to enquire why it was taking so long and was told it would take 10 days. The following week I went into BOA ( XXXX XXXX ) to open an IRA and also brought it to the attention of the Financial Consultant at that location close to XXXX XXXX XXXX. He did Not understand why it was taking so long but told me to give it a week. I called after a week and initially locked all my cards. ( I realized instead of returning my monies BOA was immediately deducting the amount from {$970.00} each time the card was used, so I stopped using all BOA and locked them. ) I called again the following week and requested to cancel all my credit cards and have the surplus returned to my checking account ( which is also held with BOA ). I was transferred to various departments and was informed that a check would be mailed out to me as they could not transfer it to my checking. BOA at that point fabricated a story that my credit card was fraudulently accessed and I was locked out of my online accounts for a week. On XX/XX/XXXX I went on vacation to XXXX for over 2 weeks thinking it should be returned to my checking account by the time I return to the UShowever, to no avail. On XX/XX/XXXX, I went into my local BOA and made a complaint to XXXX XXXX XXXX, Financial Consultant. He contacted the credit card division and they stated it would be returned to my checking account within 10 days. Ive heard that numerous times before and it still hasnt been returned to my checking account. I think this is very unethical behavior ; a blatant disregard for my rights as a consumer and an abuse of power. Thank you very much for your assistance in this matter. Greatly appreciated!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Refer to previous CFPB # XXXX, XXXX XXXX. " BANK '' refers to " BOFA '' etc. BANK continues failure refuse use of correct addresses, access cards for all BANK credit and deposit accounts sent to incorrect address thus hazards/ disrupts access to funds ( XXXX XXXX, XXXX XXXX, XXXX XXXX ). Fate of cards unknown. Attempts to contact BANK by computer and voice still ineffective, loops to AI agent etc. Accesses to account through BANK internet fail, seems to leaves account open ( XXXX XXXX, XXXX XXXX ), thus BANK request to delay of prior CFPB # XXXX on XXXX mere delay tactic. First impression was that USPS was at fault thus prompted my submission to BANK a dispute and retraction of payment to USPS when in fact BANK was responsible, an embarrassing waste of time. Exhibit/ XXXX/ XXXX/ Date : XXXX XXXX. BOFA incorrect address XXXX XXXX XXXX. XXXX correct address XXXX EX XXXX. XXXX messages on BOFA envelopes XXXX XXXX XXXX. BOFA website breakage example XXXX XXXX XXXX. BOFA XXXX app breakage example XXXX Exhibit filename : XXXX XXXX XXXX XXXX XXXX Note, don't publish the exhibits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95062
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I did not make or authorize these transaction ( s ) that appear on my account. Noticed the transactions on my account, So as per Bank Of America I contacted the merchant to attempt to solve the issue and retrieve my money back into account after numerous attempts and being advised that the company was investigating my claim XXXX continue to debit money from my account, I contacted Bank Of America and explained to the representative what was going on she suggested a block from that company being able to debit account I continued to attempt to resolve issue with merchant after months and the issue not being resolved I contacted Bank Of America on XX/XX/2023 to put a claim in for monies debited again I only waited so long because I attempted to solve issue between myself and merchant, This is the first thing my bank ( Bank Of America ) advise the customer to do and now that I did that I am being denied my claim without the bank investigating because I did exactly as BOA advises. Also the information the company has does not match with any of my personal information per phone number, customer name, or email. This is why I am requesting an appeal on my claim and boa please do a investigation. As a loyal customer past years I would really appreciate my bank working with me to help resolve this matter..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32724
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 at the Bank of America branch located at XXXX XXXX XXXX, XXXX, NC XXXX, I made a CASH deposit of {$9500.00}. The amount credited to my account was {$5900.00}. The teller whom I made the transaction with acted very strangely during the transaction. The receipt I received was very pale and I couldn't make it out. I verified verbally with the teller the deposit amount. At the time I was traveling and moving to another state ( solo ) and was out of my normal element, routine. I have health issues that effect my near sight. Add to that, it is very difficult to find certain transactions with the online banking app ( inability to view transactions by type so I can easily verify deposits, its like searching for a needle in a hay stack ). I didnt realize what had happened until the next month. The bank is unwilling to look into this beyond an accounting error. Their accounts add up because this was not an accounting error. I was tricked and cheated by the teller. Their security footage will show this. They refuse to investigate or do anything beyond the accounting check. I want the bank to correct this situation and return my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXXXXXX? XXXX XXXX XXXX XXXX XXXX please update to XXXX balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months ) XXXX & XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10075
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My name is XXXX XXXX XXXX XXXX, i was notified XX/XX/2023 that a replacement card was sent to my address. I waited on the card and it did not show up. I then later recieved a Link sent to my phone from Bank of america stating i needed to verify charges to recieve card. I knew somthing was wrong because i havent made any charges on my account. I latered contacted Bank Of America to find out my account was drained of my Funds. Later after the phone call My User name was Randomly sent to me. I logged in after changing the password to see how the money was taken. PLease check the trasnfer account, i have made none of these charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91406
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting 50 act, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. -Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10466
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I called Bank of America due to a double payment. XXXX, they still havent gave me my money back. It was taken off as a credit balance on XXXX. I still dont have my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-21
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Ive been asking Bank of America to send me a replacement card for {$4200.00} that was hacked and up to now they have not sent it to me. Ive spent hours verifying my personal information with no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77530
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2023 at XXXX XXXX, I received an email regarding the opening of a new bank of america account. I do not have, nor plan on having an account with them. I also received an email saying that the email has been changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A