Date Received: 2023-06-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my checking and savings accounts with Bank of America on XX/XX/XXXX. I havent received my check of {$1100.00}. It was negotiated on XX/XX/XXXX, when I realized it was missing. It was fraudulently endorsed and I contacted the bank, and the police. Since then, Ive contacted Bank of America customer service countless of times, and I have only received photocopies and notification letters that Ive already negotiated the check, and that its been endorsed already ( the fraudulent endorsement ). The case was opened with Bank of America in XXXX, and I had to open it again in XXXX. I have given a correct address to them, and they repeatedly mailed to the old address where the check was intercepted. The last time I contacted them on XX/XX/XXXX to get my check mailed to where I am, they said it should be here XXXX business days. It is XX/XX/XXXX, and I still have not received anything but another notification letter that I have already beguiled this check and that it was endorsed and deposited ( the fraudulent one yet again ). They were able to send that letter to my correct and current address, but not the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AP
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Date XXXX XXXX Bank of America send me letter, with information than a someone, for my name- on my name made application for accredit card or loan at Bank of America. I am no longer a member/ user sincXXXX XXXX. I didn't made that application and i sure know that is a theft of my personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Yesterday, XX/XX/2023, I drove 45 minutes to the XXXX, Washington branch of Bank of America to deposit my State of Georgia XXXX XXXX check in the amount of {$7600.00}. Before depositing it, I asked the teller when the funds would be available. She told me that they would be available for debits and withdrawals the next day, XX/XX/XXXX. I explained that this was imperative that the funds be available by today. She assured me that they would be. I was further assured of this fact by the deposit slip she gave me which states clearly " Credit posts on XX/XX/2023 '' and, further, checked the app which stated that the funds were available for debits and withdrawals on XX/XX/2023. When I woke up this morning, I again checked the app and was shocked to see a new message on my deposit that stated that the check was on hold. I called in and spoke to a gentleman who told me that the funds now would not be available until XX/XX/2023! I told him that this was not right and explained what I had been told before. He offered to have a manager call me within 2 to 3 hours. I agreed to wait. No one called me after 4 hours, so I called them back. I then was talking to a woman named XXXX who stated that no one could release my funds before the XXXX. I explained the background of the situation and she stated, again, that the funds would not be available until the XXXX. I asked to speak to someone higher up who could help me and she said that no one would give me a different solution. I final was put with a woman named XXXX who regurgitated the same exact wording that my funds wouldn't be available and that it's " unfortunate '' that BOA states that funds would be available the next day because the really don't know when they will be available until the third party company processes the check. I stated that if my bank didn't know when I could have my money, that's a problem. And, that when I was told by a BOA employee and confirmed by two separate BOA methods ( my account app and the deposit slip that I received from BOA ) that my money would be available by today, I made financial commitments that could not be delayed. I explained that these commitments would have a devastating effect on my life if they were not met. No one at BOA cared. They wouldn't even discuss a partial release of funds to cover my commitments. This egregious behavior by BOA. The negative affects of their empty promises will cause me to lose the property that I was going to purchase. Had they been truthful, I would have taken my check to a check cashing facility and paid the hefty fee to cash it. But BOA took this option away from me by lying to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Bank of America has returned both payments made on the account then the Customers Service Representative advised that I did. It owe any more at the current time and that my account was up to date then a month later proceeded to state that my payment was late and now they are declining to remove it from my credit report and is not telling me the outcome of the decision
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Bank of America is a scam. They dont allow transfers to external accounts with the type of account that I have, so the only way XXXX my money out of my account, because I dont like to keep my money in my BOA account because Im in the process of closing it! They are terrible. I have banked with them for 3 years. Never had a problem sending a XXXX to someone else, but when they see its being sent to another account that belongs to me, they keep putting my money under 24 hour review. I dont think thats a coincidence. No matter the amount. I tried to XXXX {$40.00}, and they held that one too. And when I called them, provided me with no reason as to why they keep flagging all my XXXX transactions to this account, and restricted me from being able to sign in online or in the app! Had to call the bank REPEATEDLY now for 2 reasons! To unrestrict my account and to tell me why my XXXX transactions are being put under review, when nothing is new or suspicious about the transaction or the recipient. Ive been on the phone for a total of XXXX hr and XXXX mins, with no resolve. Im going to manually remove my money from this account, like I was FORCED to do last time and then go manually put it into the account Ive been attempting to XXXX the money to. Talk about an inconvenience as a consumer! This bank is the worst!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60827
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I was approved for an XXXX XXXX account then immediately locked out of my XXXX. I was informed by XXXX then XXXX XXXX that the Card/account was being closed by someone other than myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38053
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
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: My card was used fraudulently in multiple places including XXXX XXXX and various towns and cities in NC between XX/XX/2023 and XX/XX/2023 while I was in XXXX NC. Bank of America also approved charges that I had made in XXXX, NC on dates where the card/account was also being used out of the mainland USA. Clearly, one can not be in two places at one time. I have or can obtain : 1. email receipts from appointments in XXXX that occurred while the card was being used in XXXX XXXX 2. email communication with my physician as a result of a dog bite that occurred while the card was being used in XXXX XXXX 3. adoption papers for the dog I did choose during the timeframe in which the card was being used in XXXX XXXX 4. school attendance records for my children ( while the XXXX XXXX XXXX XXXX XXXX was on spring break during time frame that overlaps the card being used in XXXX XXXX, I was in XXXX and my children were in attendance at public school ). 5. XXXX calendar printouts showing when I XXXX XXXX XXXX XXXX XXXX during the spring semester and scheduled meetings that overlap the timeframe during which the card was being used in XXXX XXXX as well as while the card was being used in towns and cities surrounding XXXX XXXX NC XXXX 6. Affidavits from friends/family/colleagues/and students can be obtained indicating that we were not out of the country nor absent from our jobs and school during the time this card was used without our permission. 7. I have downloaded and attached the transaction history from our debit cards showing our location during the timeframe in question. I found the fraud when I received my electronic statement and contacted them immediately. I have attached documentation that I was local and not on vacation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I signed a non binding agreement and wired XXXX $ to XXXX XXXX XXXX. I was told I would then be sent the official property management agreement and lease agreement for this passive income airbnb investment. This did not happen. After 5 days, I requested my money be returned as the only paperwork signed was the non-binding, and they refused and made many silly excuses as to why they spent all the money and couldn't return it. They now won't answer my messages. I saw this scam on XXXX, and met the person in person, prior to investing but it is a scam. Please help get my money. My bank ( XXXX ) will not even investigate it saying I am to blame because I sent the money. But the company isnt honoring the non binding agreement. I am told that by Bank of America accepting their money in their account that they are responsible for money laundering and need to close the scammers accounts and refund my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: To Whom it May Concern, On XX/XX/2023 I was charged {$80.00} by XXXX printing for copies I made at the public library ending in less than 20 sheets of paper. Today the debits are missing from my account and the money is still gone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94952
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX Bank of America closed my account due to it being overdrawn for {$520.00} they reported me to XXXX and I am unable to open a banking account with any financial firm. The debt was paid in full on XX/XX/XXXX. I have contacted Bank of America multiple times most recently on XX/XX/XXXX and have requested that I be removed from XXXX to allow me to open a banking account and they have been unhelpful. At this time I am requesting assistance in the removal of this report to allow me to open an account with any financial institution. I have just submitted my LLC filling in my state of residence and will require banking services for my business and for payroll processing. At this time if Bank of America remains unwilling and unresponsive then I request their formal mailing address to file suit against them as they have been unwilling to resolve this matter amicably. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91776
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A