Date Received: 2023-06-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 at XXXX cst, I woke up to see that my BOA Checking account was overdrawn by {$190.00} ( please see screenshot w/ date & time stamp ). At XXXX cst I put {$190.00} to cover the overdraft via XXXX XXXX ( please see attached email confirming XXXX ). Per the banks policy I have until XXXX to cover any transaction coming through the account. The overdraft was cause by an ach transaction in the amount of {$230.00} for XXXX XXXX that posted on or after XXXX XX/XX/2023 but before XXXX on XX/XX/2023. On XX/XX/2023 at XXXX cst I woke up to see my BOA Checking account was overdrawn by {$110.00} ( please see screenshot w/ date & time stamp ). Per the banks policy I have until XXXX to cover any transaction coming through the account. At XXXX cst I checked my account balance to see that the XX/XX/2023 transaction for {$230.00} ( that was cover by the $ XXXX on XX/XX/2023 ), was reversed for lack of funds. However, the lack of funds was created by a posting error on the end of Bank of America, as they posted an ACH payment in the amount of {$110.00} from XXXX XXXX XXXX should show a posting date of XX/XX/2023 before the {$230.00} transaction for XXXX XXXX posting date XX/XX/2023. Typically, this would not be a concern but as shown in the screenshots provided the transactions were applied in the in correct order and date resulting in my payment for {$230.00} to be returned in error. I have also submitted documents below showing where the {$110.00} was not processed by XXXX XXXX until XX/XX/2023 as that account is set up on auto pay for the XXXX of each month ( please see attached documents to confirm, you will see auto pay in ACTIVE STATUS as well a Payment due date XXXX of XXXX month ). The documents also show that the initial debit advising of the {$110.00} overdraft was after midnight on XX/XX/2023 but before XXXX. The attachment below as shown are : {$190.00} XXXX XXXX XXXX w/ XXXX time stamp to cover transaction of {$230.00}. ( XXXX was the amount not already covered in the account. ) XXXX XXXX Confirmation showing payment {$110.00} - XX/XX/2023 with auto payments in active status to be process on the XXXX of each month w/ disclosure allowing payments to be cancelled thru XXXX, meaning it would not have been paid to XXXX XXXX & posted by BOA on XX/XX/2023 the same day. - the BOA posting date should be XX/XX/2023. BOA posted the Ally Transaction date opposed to the date the it was presented to the bank ( BOA ) BOA screenshot XXXX date & time of XXXX XX/XX/2023 - overdraft {$110.00} BOA XXXX XXXX date & time of XXXX XX/XX/2023 - overdraft {$190.00} BOA screenshot XXXX ending balance on XX/XX/2023 {$46.00} ( which is the exact difference between XXXX - XXXX ), XX/XX/2023 XXXX sent XXXX the amount of {$190.00} to cover {$190.00}. XXXX to XXXX on XX/XX/2023 ( yesterday ) at XXXX - ( no change in negative balance still showing {$190.00}, if the {$110.00} was apart of the XX/XX/2023 ledger the negative balance would reflect a total of {$300.00} not {$190.00} or even {$110.00} for the date of XX/XX/2023 ) Screenshot to XXXX on XX/XX/2023 ( today ) at XXXX - advising of {$110.00} overdraft. If this payment would have came through on XX/XX/2023 considering the {$190.00} that was sent on XXXX/XXXX/203 my available balance this morning upon waking up would have not be in the negative. XX/XX/2023 would have closed with a positive balance of {$120.00}, as no other transactions besides the {$190.00} XXXX, {$230.00} XXXX XXXX, & {$110.00} have processed thru this account in the last XXXX hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76017
Submitted Via: Web
Date Sent: 2023-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Since, XXXX, I've been having problems logging into my online Bank of America account via the app or XXXX. It seems I'm blocked from the app ( see images ) ; and online everything pops up in html format. So, I walked into the XXXX, FL branch and brought this issue up to XXXX. She is my witness that I had to uninstall my BOA app, download it again, use the Branch 's wifi. Initially, it wouldn't even work with the Bank 's " secure '' wifi ; and then it worked. Now it does not work again. It didn't work yesterday either, XXXX. Therefore, I'm submitting this complaint. Please have the Bank 's IT department fix this problem. I don't want think this is premeditatedly being done to me. I just want to believe it's a network glitch. Either way, please have this online problem fixed. Part of banking with BoA is having the ability to manage my account online ; and I am the real account holder. Thank You, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I purchased some appliances from XXXX XXXX on XX/XX/2020, found same pieces at another company cancelled my in line order but instead of BOA removing the purchase I got charged again the amount of XXXX. It took BOA XXXX year to remove the double charge and I was charged late fee and interest. I had to write several times to the bank and spoke to over XXXX employees to resolve this matter. Finally, the {$16000.00} was removed but BOA still was charging me late fee and interest then reported me to the credit bureau giving me a bad report to a perfect credit history. Now, BOA without telling me just sent my account to a collection agency while I was still sending letters and asking for them to review their overcharges of interest late fees and they even back charged over {$8000.00} of returns I made to XXXX XXXX. This has been a nightmare. Now the bank Ive been doing business with for over 30 years has sued me. Ive had several checking accounts savings account refinanced
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
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: Other transaction problem
Subissue:
Consumer Complaint: I made an accidental transfer from my BoA Checking Account to my BoA credit card Account. The amount was {$17000.00}. My intent was to transfer it to my BoA Savings Account. Im presently not working and this is ALL of the money I am living on for the next 4 months. It happened on a holiday, XXXX XXXX XX/XX/XXXX and the bank being closed I waited until XX/XX/XXXX to call BoA and request a cancellation. I was told that I would have to wait for the transfer to post before anything could be done. It posted on XX/XX/XXXX to my BoA Credit Card account and when I called was told a message would be sent to the Resolutions Department and it could be anywhere from XXXX days for a refund. 3 days later I called to get a status update and determine where in the process it was because I had not received any receipt or indication on my account that anything was pending or being processed. I was told by the receptionist that it would be 3-6 days because it was within my own accounts. 6 days elapsed and no call. The 11th day elapsed and no reversal of transfer. So I called and was told it may be at the end of my billing cycle which is the XXXX of XXXX. Thats completely unacceptable. The phone receptionist/teller was unable to transfer me to anyone to further explain why this is happening. I have no idea why its taking this long or if this information can be trusted. I am living on this money and need to pay bills and no one can give an accurate picture of whats going on or why or when it will be resolved. The tellers/receptionists Im speaking with arent being consistent or giving me the impression they have any idea what theyre talking about and wont allow me to contact the resolution department or a supervisor to determine the issue. XX/XX/XXXX will be a month my money will be tied up and theres ZERO indication that it will be ready at that point as theyve been wrong 2 times before. How will I pay bills? Rent?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32257
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: 2023-06-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: Dear Sir/Madam, I am writing to formally dispute the debt collection actions taken by your agency regarding the debt allegedly owed by me. I have discovered numerous violations of consumer credit and banking laws, which have resulted in significant harm to my financial standing, mental well-being, and business operations. I kindly request that you address these violations, rectify the damages caused, and provide appropriate compensation for the distress caused. 1. Illegal Sale of Debt : 2. It has come to my attention that you unlawfully sold my debt without providing me with the required 1099-C form, both to me and the IRS. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and Internal Revenue Service ( IRS ) regulations, which explicitly require the provision of such forms in cases of debt discharge. I demand an immediate explanation for this violation and a remedy for the harm caused by your illegal actions. 3. Harassment and Scare Tactics : 4. Your attempts to intimidate and scare me into making payment through aggressive tactics, including threatening to sue me, are a direct violation of the FDCPA. Such conduct is strictly prohibited under federal law, as it causes unnecessary stress and distress. I insist that you cease all harassment and scare tactics immediately. 5. Credit Reporting Inaccuracies : 6. Your agency 's repeated and incorrect reporting of my account status has resulted in substantial harm to my credit score. These inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates accurate and fair reporting of consumer credit information. As a consequence, I have been unjustly denied approvals for essential business-related matters, severely impacting my ability to operate my business. I demand the immediate correction of all inaccurate credit reporting and the restoration of my credit score to its rightful state. I am well aware of my rights as a consumer, and I insist that you comply with the following national laws and codes regarding consumer credit and banking violations in the United States : 1. Fair Debt Collection Practices Act ( FDCPA ) 2. Internal Revenue Service ( IRS ) regulations on debt discharge and reporting 3. Fair Credit Reporting Act ( FCRA ) 4. National Banking Laws and Regulations Furthermore, I specifically draw your attention to consumer credit and banking laws applicable in the state of New Jersey ( NJ ) that protect consumers from unfair debt collection practices : 1. New Jersey Fair Debt Collection Practices Act ( NJFDCPA ) 2. New Jersey Consumer Fraud Act ( NJCFA ) I request that you conduct a thorough investigation into the violations outlined above and respond to this dispute within 30 days from the date of this letter. Failure to address and rectify these violations, as well as provide appropriate compensation for the harm caused, may result in legal action being pursued against your agency. Please direct all correspondence regarding this matter to the address listed above. I expect prompt attention to this dispute, as well as a resolution that fully remedies the damages caused by your agency 's unlawful actions. Thank you for your immediate attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08060
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America Auto Loan is and was paid by Cashier 's Check { attached } issued by XXXX XXXX on XX/XX/2023 sent Priority US Mail for {$21000.00}. That payment extinguishes any and all claims ( forever ) of BOA as it relates to [ me ] specifically Account # XXXX. I can not contact Bank of America directly [ I have tried all available avenues including numbers included in prior complaint responses, they simply don't answer or respond ] unless or until you want a loan, or credit, and I want neither. So, I have no avenue to gain relief from this LARGE BANK. I can not submit any dispute to XXXX or XXXX [ this Credit Reporting Agency is woefully inept and refuses to do anything except allow hackers in to them it is all a game. They claim a complaint already exists so in essence the collusion between BOA and XXXX is such that it adversely effects my ability to repair the issues each have created ] as an appeal is pending on a different matter with XXXX ( a reputable company in my opinion ) involving incorrect information reported by another LARGE BANK. Both accounts are closed ( including XXXX XXXX ) the issue with XXXX XXXX & XXXX XXXX XXXX XXXX XXXX they've reported incorrect information as opposed to the other LARGE BANK, here boa XXXX that doesn't report information nor apply payments timely. BUT BOTH ACCOUNTS ARE PAID OFF [ by prep-paying each to avoid the continuing problems with both ] and CLOSED and for the duration of my life neither LARGE BANK is a viable option for anything in my future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been sending dispute letters since XXXX last year and they have completely ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed. Being that they have gone way past the 30 day mark and can not verify the account under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete Account # XXXX. Please resolve this manner as soon as possible thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95219
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX ireported that my account had been hack for {$9400.00} cents to the fraud department the bank refuse to give my funds back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23237
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: A customer sent us a check for payment the customers bank was XXXX XXXX Someone intercepted the check, altered it. Bank of America Cashed the forged check. We submitted a claim form XXXX Weeks ago. Bank of America still refuses to reimburse our customer so they can reimburse us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited my Federal refund checks into bank of America ATM as we don't have branch close by any longer on Saturday, It is now Weds the XXXX and have not been given access to my funds. Not any portion what so ever it's is causing hardships and making daily living a living XXXX and un safe.
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: 2023-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A