Date Received: 2023-06-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Recently I've opened a checking account with Bank of America and yesterday I made two atm deposits in the amount of {$100.00} each ( {$200.00} total ). Since I bank with XXXX XXXX XXXX XXXX but live far from a physical branch, after making my deposit with Bank of America I proceeded to make a phone transfer through XXXX XXXX XXXX XXXX in the amount of {$200.00} from Bank of America to my XXXX XXXX XXXX XXXX account. After entering my debit card information to process the transfer, the automated voice said that there was a problem with my transfer and the transaction was not completed and funds did not post to my account. I immediately checked my Bank of America account and noticed that my balance was showing XXXX and my {$200.00} funds were no longer available. The {$200.00} was showing as a pending transaction on my Bank of America list of transactions, so I contacted XXXX XXXX XXXX XXXX to find out why my card funding transaction was not posted to my account and spoke to XXXX, who just told me that there was an address mismatch, but she said that she does not work day shifts and didn't know how those transactions were processed. Today I contacted Bank of America XXXX XXXX to find out the reason why the {$200.00} transaction was showing pending, but funds that should have been posted immediately to my XXXX XXXX XXXX XXXX account for those types of transactions were not showing there. I was treated with very little respect and on a condescending way by representatives who did not resolve my issue or offered any resolution for my problem. I then contacted XXXX XXXX XXXX XXXX again and spoke to a representative who told me that Bank of America declined my transaction and funds will not post to my XXXX XXXX XXXX XXXX. Since yesterday my funds in the amount of {$200.00} are missing and both Bank of America and XXXX XXXX XXXX XXXX keep pushing the situation to each other and I don't have a reverse credit on my Bank of America account or a credit on my XXXX XXXX XXXX XXXX.
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: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposits not available for use. Credits not available for use
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2023, I received a letter from Bank of America indicating that they were unable to open a deposit account that I had recently applied for. I immediately contacted Bank of America in writing to report that this application for a deposit account in my name was fraud. I requested that they investigate this fraud and report back to me what they were able to uncover in writing within XXXX days. No response was received, so I sent a second letter to Bank of America on XX/XX/2023 again requesting that they investigate this attempted fraud and report back to me in writing within 10 days what they were able to find out. This second deadline has come and gone without any response from Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17202
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I logged on to my mobile app through Bank of America. I tried several times to do a mobile deposit for a check from XXXX. I would follow the steps, hit submit and it would come up with an error. I then used my husbands phone with the same app. It also had the same error come up. So I went to Bank of America ATM ( it was after hours so they were closed ) and deposited it. My statement stated that transactions would be covered on XX/XX/XXXX and funds would be available the next business day ( XX/XX/XXXX ). However, on Monday XX/XX/XXXX, it stated that 2 mobile deposits and 1 ATM ( for the same amount ) were deposited and now there was a hold on my check until Friday, the XXXX. Clearly a bank error. I called the customer service line and spoke with many reps that said that there was nothing they could do and couldn't release the hold. I went into the BOA location on Monday ( XXXX ) to make them aware of the situation and the branch manager advised me to return the following day when funds should of been originally released. On Tuesday ( XX/XX/XXXX ), the following day, I went back to the location, spoke to the branch manager and he told me that the mobile errors dropped off. He released the hold. I was able to use my account until Thursday, the XXXX, when the bank put another hold on my account, this time making my account with a negative balance. I went back to the bank and the branch manager spoke to BOA team and couldn't release the hold. He said they have a hold on it for 24 hours. But 24 hours passed and there is still a hold and a negative balance on my account. So on Friday ( XX/XX/XXXX ) I called BOA and spoke to two team members, one being a supervisor, and was told that there is a hold on the check until XX/XX/XXXX!!!!!!! Ridiculous. Because of a BOA error and no fault of my own or the other financial institution, my funds will not be available to me until 12 days after I deposited the check into the ATM. Every representative that I've spoke to says that there is nothing they can do. This is completely unacceptable! I am being penalized for a BOA error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34293
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I use to have a Bank of America bank account until I closed the account due to fraudulent activities as cashing checks that I never wrote, now years later I receive a credit card that I thought I may have applied for I couldn't recall, come to find out it was fraudulently applied for and now Bank of America is saying that my social security is connected to a deceased person. Well I am not deceased I am alive and well and wanting Bank of America to be held accountable for the constant mishandling of personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34743
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Again, same problems with Bank of America, problem not fixed. Another fraudulent door dash charge. I have a POA for my father. Took BOA 6 weeks to process POA. When my father and I called in, we were told " Why did it take you so long to report this fraud? '' Customer service also refused to issue a new card with new number " due to the POA. '' This was the same POA that they had previously refused to acknowledge. Fraudulent charge was only removed after 2 complaints to cfpb. Now it's started again. Submitted request to remove fraud charge from card. Got letter requesting further documentation. BoA has all the documentation. It's in all the complaints to cfpb. BoA is very well aware of the fraud and all documentation. This issue needs to be dealt with ; fraudulent charge needs to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/XXXX I sent myself a XXXX from a XXXX account on which I am an authorized user on. The XXXX has been on hold for 15 days and Bank of America refuses to release it. At first, they accused me of fraud and then after 2 hours and 5 different reps in all different departments they asked me to call XXXX bank. XXXX bank told me the money has been sent the transaction has fully posted in the XXXX account, they no longer have the funds. XXXX offered to call bank of America and explain it to them but the bank of America employees refused to speak to the XXXX employees. I have been a bank of america customer for 10 years and pay over XXXX a year in interest payments. I am shocked they are treating me like a fraudster for only {$300.00} XX/XX/XXXX sent XXXX from XXXX to Bank of America XXXX fully sent and posted money Bank of America had a XXXX glitch on on XX/XX/XXXX and promised they would fix the account. On XX/XX/XXXX bank of america is still holding my {$300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33175
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hi! I'm writing about unauthorized purchases to my account with BOFA. Since, around XX/XX/2022, we have had approximately {$19000.00} unaccounted for! It's been to our understanding that our identity was stolen. BOFA closed the old account were most of the funds had been unauthorized. The unauthorized charges continued on the new account at that time!? Most of the unauthorized charges were coming from XXXX, Colorado! We have exhausted all means of resolving these unauthorized purchases with BOFA. We've went to several branches with BOFA in person, spoke to supervisor after supervisor. They said they couldn't help us there. They just continued to tell us to call their fraud department. We and different Family members/friends attempted to try and get results with no progress! 10 to 15 times on the phone with agents, and supervisors including their fraud department, over and over! We just keep getting the run around. Stealing money from the elderly ( XXXX and XXXX ) years old! is reprehensible. Our account was closed on or around XXXX of XXXXWe were issued a new ATM/debit card and new account number. Unauthorized charges kept coming out of our account. The agents on the phone just kept placing us on hold over and over then transferred to several Supervisors with no results! Their fraud department has created 3 cases. We have 3 claim numbers with no results!!! We filed a police report case # XXXX with the XXXX. We've reached out to XXXX XXXX and they have been supportive. They referred us to you. Looking forward to hearing from you! Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94577
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I live in XXXX, Massachusetts and someone in XXXX, North Carolina has opened a Bank of America credit card in my name. The account is XXXX past due with a balance of {$4600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/2023 I went into Bank of America XXXX XXXX XXXX XXXX XXXX XXXX NM XXXX with my daughter to withdraw money to purchase an automobile. The teller ID on my receipt is XXXX. My checking account had over {$21000.00} in it and my savings account has about {$54000.00} in it. I asked the teller if I could borrow the money from my Bank of America credit card and he checked the limit of my credit card and said yes. I then took the {$4900.00} from my credit card. On XXXX/XXXX/XXXX I signed into my Bank of America, and I observed I was charged a cash advance fee of {$240.00}. I immediately called the bank and spoke with XXXX. I explained that I was not told that I was going to be charged a fee and there was not charge on my receipt they gave me. I explained that if I would have known I was going to be charged a fee I would have taken it from my checking account. He opened a ticket and advised I would hear back from the bank. On XX/XX/2023 I received an email from the bank declining the dispute. I called the bank back on XX/XX/2023 and spoke with XXXX. I explained the situation and after a brief hold he came back on the phone and said he talked with his manager, and he/she advised if I pay the amount today that the {$240.00} cash advance fee would be credited. I immediately went into my account and paid the balance on that credit card {$5100.00}. ( See attachment ). On XX/XX/2023 I went to my bank account and saw the payment had been posted to the account, so I called back as instructed by XXXX. I called XXXX at XXXX XXXX XXXX and spoke with XXXX she advised that she could not authorize a refund for the cash advance fee. I asked to speak with her supervisor, and she transferred me to XXXX. XXXX is her supervisor, she advised that the fee would not be credited. I asked to speak with her supervisor, and she transferred me to her manager spelled XXXX XXXX pronounced XXXX XXXX. I explained that I was told if I paid the amount that day that the fee would be credited. I asked XXXX to please go back and look at the notes from XXXX. He replied, it didn't matter what the notes stated the fee would not be credited. I find this situation incomprehensible, and unethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87124
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A