Date Received: 2023-06-16
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: I had two different claims filed in the XXXX XXXX with bank of america prepaid card services. The initial claim or 1st claim that was filed in XXXX for the amount of {$210.00} was not submitted by the representative. Until XXXX of XXXX XXXX XXXX. Neither at the time of me following the claim or when The abandoned claim was finally submitted in XX/XX/XXXX. Have I been given provisional credit and Continues to remain in a pending status. The other claim which was supposedly resolved with an inclusive letter dated XX/XX/XXXX States the amount of the claim that was supposedly resolved for the amount of XXXX XXXX XXXX XXXX and XXXX XXXX dollars at which I received exactly XXXX XXXX XXXX dollars. Upon contacting customer service and reaching out to hierarchy or hierarchy or supervision the back office supposedly was contacted and gave a date of the following Friday when the. Rest of the funds would be there which never occurred. Between this claim and the one that had been abandoned and finally filed in XXXX of XXXX. I have yet to receive any correspondence from the investigation team. I have not received the remaining funds from the claim that was over XXXX XXXX dollars. I never received any XXXX credit though hardship claims and missing credit claims were submitted as well as complaints by both customer service reps in supervisors. Police reports were filed as well as documents faxed over by myself and yet nothing has occurred except a non responsive investigating team that will not even consider Provisioning me after the claim submissions. Also a representative Notified me that the car had only been blocked but had not actually been canceled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 933XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone unknown to me gained access to my XXXX XXXX Account via my Bank of America debit account info and withdrew a total of XXXX from my account. There were XXXX total withdrawals between XXXX XXXX XXXX XXXX, 2023 from a XXXX, CA Bank of America noted as the XXXX ' location. I was out of town in XXXX XXXX when the monies were fraudulently extracted from my account. I contacted Bank of America immediately and they put in a fraud claim on my account however they advise it could take up to 90 days to resolve this issue and could not guarantee that the funds would be replenished even after that time frame.I am in need of an immediate solution as I was to use those funds to cover my XX/XX/2023 rent. I will face eviction if the funds are not replenished in my account immediately. Thank you for your consideration and prompt reply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94530
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-16
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I made a wire transfer from my account at XXXX XXXX to Bank of America, XXXX XXXX XXXX, XXXX, FL XXXX Routing number XXXX Unfortunately, somehow the account number was trancated in electronic record, missing one last digit. The funds were disbursed, then returned back to my account, citing the wrong account. But not all funds have been returned. Bank of America subtracted {$45.00}, without explanation or notification. For what? The funds were NOT delivered, so it simply does not make sense. They provided NO service! It is outrageous that Bank of America can just arbitrarily take out any sum of money from the funds in another financial institution, without the owner 's approval or even notification. If this is not highway robbery, then what it? Shame on Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
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: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX I opened a savings account at Bank of America with several checks from United States trrausury from my social security benefits. I received a letter on XX/XX/XXXX notifying me my account was closed, i called the fraud & claim department several times which they kept giving me different information for reasons my account was closed ; XXXX they told me I was commiting fraud because my checks expired & cancelled by the United States treasury Dept ( my check were not expired ) and funds from the Treasury dept was not released to the bank. I called the United States trrausury and they informed me that each one of the checks funds were released to Bank of America on XX/XX/XXXX. Then I called back Bank of America informed them my findings with the United States Treasury and this time they informed me the bank was holding the money from my checks deposited and it will be return to the United States Treasury Dept. but they don't know when or how long of time it will take. I found this strange so I called the office of the United States Treasury and they said they don't receive money back after the bank confirmed my Identity of been the payee of the checks and that I need to resolve this matter just the bank and myself. unfortunately Bank of America refuses to help me. I have documents from social security office stating my benefits with dates and amounts that match each of the checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 928XX
Submitted Via: Web
Date Sent: 2023-06-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called to ask a question about my account. The bank asks you to verify yourself through the Bank of America app. When I fried to do this, the verification did not work. I subsequently called back and tried entering the last 4 digits of my SSN. That did not work either. Their entire automated system is not working and needs to be fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
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: Fraud or scam
Subissue:
Consumer Complaint: My friends phone was hacked and an impersonator contacted me via XXXX requesting {$2000.00} to help my friend in the hospital. I made XXXX different transactions from XX/XX/2023 to XX/XX/2023. All transactions added up to {$2000.00}. I later found out that my friend had never requested this money and I was the victim of a scam. I went to file a complaint with my bank XXXX Bank of America ) but they havent given me further information. I made the transaction via XXXX and was given ( by the scammer ) the following email address : XXXX I have blocked the number and have filed a complaint with my bank. I am XXXX XXXX XXXX and on a limited income. I appreciate your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27539
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: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I did a quote online with XXXX for auto insurance. I was finalizing the quote on it said that the total amount for 6 months was {$1400.00} and the down payment was XXXX. This info is also in the email. When I attempted to make my payment of XXXX, the system said there was an error with my debit card and to try again. So I checked my card #, exp date, and CVV code. They were all correct so I attempted a 2nd time to make a payment and got the error message again. Do I went on the Bank of America ( BOA ) mobile app to check my balance only to discover that XXXX debited my account for XXXX. I called twice and the reps told me there was no problem and no previous balance. The rep said if he did the quote over the phone, it would be a different price and to try it again online. I didnt want to risk them taking another payment so I called back and got another rep. I asked why they drafted a payment of XXXX. He said it was from a past due payment from XXXX. I told him I had no knowledge of that info because I had not received any information regarding a balance and that info was not currently on my credit report. I asked him to reverse it because I needed to get insurance and he said they were unable to. I told him I would dispute it with the bank and he told me good luck with that. On XX/XX/XXXX, I called BOA and disputed the XXXX. They did a temp reversal of XXXX half. I called BOA again and disputed the other half since I did not get insurance with XXXX. BOA did the dispute and said it could take up to 60 days for a response. On XX/XX/XXXX, BOA did a reversal of XXXX and closed the dispute. Per my XXXX credit report update on XX/XX/XXXX, there is no collection from XXXX nor have they contacted me about the balance they say is due. I would like my money refunded. I can send emails from XXXX and not once was a past due balance mentioned. I can also send screenshots of my bank info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-17
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On Saturday, XX/XX/2023, I was shopping online for a XXXX XXXX. I ran across a website that had what appeared to be a very good deal and got in touch with the seller via email. They asked me to make two payments for the puppy. One to sign the ownership documents, and the second to ship the puppy. Both transactions were for {$490.00} to XXXX XXXX. I was then put in contact with the " shipping company '' that would be handling my delivery, but was told I had to pay certain fees to secure my puppy 's travel across state borders. They asked me to make three money transfers and emailed me a document assuring me of a refund for my expenses. The transactions were for {$780.00} and {$760.00} to XXXX XXXX and {$660.00} to XXXX XXXX. They also provided me with a shipping URL and tracking number that appeared reliable. It was not until they demanded {$700.00} more for a supposed dog passport that I began to feel suspicious. With my family 's advice, I contacted my bank and informed them I believed I was being scammed and asked to have all transfers cancelled, to which they informed me they could not cancel a pending transfer but would place them on hold. They put all XXXX transfers for that day on hold, including the one I sent to my father for {$50.00} earlier that day, but I did not mind. They also mentioned they could not guarantee they would retrieve my money. The following day, I contacted the seller again and stated that I did not want to proceed with the process and that I wanted a refund for the full price of the puppy and the fees. To which, no surprise, they disconnected. I was not aware puppy scams existed until then and felt devastated for being so naive. What made matters worse was that, days later, when my husband called for an update to our case, the bank said since we had authorized the transactions, there was nothing they could do ; however, the {$50.00} on my father 's account still appears on hold to this day and were discounted instantly. I now know about Federal Law " Electronic Fund Transfer Act '' and that Regulation E states that if one is induced into transferring money, even if one technically agreed to it, the bank should reimburse the money, hence why I am seeking help in hopes of retrieving the lost funds. I have also reported the website so hopefully it will get taken down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85301
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: First Complaint # XXXX Received letter from Bank of America on XX/XX/ please see the attachment. Stating that they have confirm that it wasn't myself that opened up another bank account in my name with my SS #. This is unacceptable, Bank of America still has yet to explain to me how this happened under their watch. I am not satisfied with this communication from them ; my life has been turned upside down since XX/XX/XXXX because of this and I want answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06776
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 caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I deposited my paycheck yesterday and they told me my funds would be availble today, but i am negative {$14.00} now and I called them, they can't release my money and now are telling me my funds won't be available until XX/XX/XXXX. I threatened to sue them and they said for my lawyer to call them and they'd transfer them to their legal team from there. I am freaking out and looking for ways online to get money because i have to get my belongings out of this apartment as I have been service forced detainer of eviction paperwork. I even told the banker because of this hold non sense my son and I are forced to be evicted and are in a homeless situation. They didn't care or even try to release my money to me. Why can other banks do release on holds of even the CEO of bank of american won't. I am very upset and in a bad situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80601
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A