Date Received: 2023-06-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XX/XX/XXXX I noticed my business account was very low, o checked my transactions and say since XX/XX/XXXX XXXX, who I do not do business with, was withdrawing {$1000.00} per month adding up to over {$9000.00} I contacted the bank as a fraud claim. After 3 weeks I got a letter that they denied the claim. I contacted XXXX and got proof that it was fraud and resubmitted my claim now 20 plus days later with out the money The claim is under review and the bank said it may take up to XXXX to get an answer. I have bills that are not being paid because of the shortage on money in my account This is affecting my business and creating so much stress in my life I have been to the bank in person and they say they can not meet with me each time I go. I have very limited times that I can get to the bank because I am running a business by my self. Please help me to get the process moving a little faster. My business is suffering and I work too hard to not know if I am getting my money back Thank you XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 027XX
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: Dear Sirs. : Consumer Financial Protection Bureau ( CFPB ) As of today, XXXX months and a week have passed since the day I made the claim ( XX/XX/XXXX ) of XXXX XXXXXXXX transactions made from my accounts that were neither authorized nor approved by me. - On XX/XX/XXXX was added XXXX XXXX with XXXX as a XXXX Recipient, and on that same day this person made a XXXX Transactions for XXXX $ and then another one for the same amount on XX/XX/XXXX, all from my XXXX XXXX Account. - Then on XX/XX/XXXX, was added XXXX XXXX with XXXX as a XXXX Recipient, and on that same day made a XXXX Transactions for XXXX . from my XXXX XXXX Account. - On XX/XX/XXXX, this same person added a new account with the number XXXX as a XXXX Recipient, and then on XX/XX/XXXX, made a XXXX Transaction for XXXX $ and another one on XX/XX/XXXX for the same amount XXXX XXXX From my Savings Account - This last transaction was still on processing according to what I saw when I went into my account that day, but even though I reported the claim, that transactions gone thru and the money was out on my account. These five transactions not only did not correspond to regular transactions made by me, but were also made using the maximum limits allowed, limits which I never use and which had been changed by the bank only a few days before these transactions, additionally, these five transactions were made to leave the accounts practically at XXXX and it seems incredible to me that the Bank, after I have had more than six years as a Preferred client with an average monthly balance in accounts above US {$18000.00}, seems normal to them that I practically withdrew all my XXXX XXXX XXXX without any explanation or notification. A year and a half ago more or less, the same bank blocked my account for a similar situation, but in this case they did it with the first transaction they tried to make and for a much smaller amount than the current ones. - XX/XX/XXXX Beneficiary : XXXX XXXX email account : XXXX Amount : US {$1200.00} However, on this occasion, not only did they not stop the operations, but they allowed, in just 8 business days, to lose funds for US {$17000.00} that were going to make US {$20000.00} if I, the client, did not become aware of these transactions and suspend all kinds of transfers from my accounts, because this person had already placed the last transaction ( XX/XX/XXXX ) for US {$2000.00} to leave both accounts with a balance of less than US {$1000.00}, but it was not the bank that stopped them. This same person tries to made another XXXX transaction on XX/XX/XXXX for US {$2000.00}, but because I did call and cancel all payments for my accounts and change my email associated to the XXXX Transfer, this transaction was stopped and did not go thru, thank God. How can I be part of these transactions? If it was me who made the claim and also who stopped the transaction that were still approved to go out. I had also the one who made the Claim to the Bank at first, then to the CFPB and then also to the XXXX XXXX XXXX XXXX XXXX XXXX ) of the XXXX on XX/XX/XXXX I do not understand how this situation of someone gaining access to password and email information can happen to carry out these operations and steal customers ' money, I am just a customer who put their savings in your bank trusting you, who clearly have more tools and knowledge to prevent and stop this type of fraud. Since my initial claim, I have requested the information that the Bank must handle, since its response to my claim indicated that the operations were carried out from a computer registered by them from which other operations had been carried out, however, the Bank only has responded indicating or showing a contract that I, as a client, sign or accept regarding operations via XXXX, of which I am not saying that it does not exist or that I have not accepted, but that is not the issue, the situation is that someone managed to impersonate My identity and passwords and they carried out these operations, leaving my accounts with practically no money and it seemed normal to the Bank. To date I have received absolutely none of this requested information : IP of the computer from where the operations were carried out, approval hours, account creations and authorization codes and data of the beneficiaries of the operations. The Bank has greater capacities to investigate this type of situation, because they can manage and obtain information on the data used for operations, the hours and times of these operations, location, IP addresses and other elements that can be used to determine if the customer is or is not involved in these transactions, and none of this information has been provided to me, even though it has been requested since the first claim. According to the XXXX XXXX XXXX, If someone accesses your account and conducts a XXXX transaction without your knowledge, that is a XXXX Banks are Liable, if a hacker steals money from a Bank, the customer or Clients from the Bank wont lose money since the bank is liable to refund money for fraudulent XXXX Transactions. I really appreciate all your good work, but I expecting a better investigation of the case, and not only the response that I had from the bank which was the just clean their hands staying that there is a XXXX contract and nothing else. I will not rest on my claim If you do fall victim to a scam via XXXX, you will have to contact your BankXXXX XXXX Law requires that they reverse the fraudulent transactions. If you are unable to get your bank to help you, you can take legal action, such as joining a XXXXXXXX XXXX lawsuit. I have demonstrated and shown everything that I have had that clearly indicates that I was not and have not been a participant in these XXXX transactions and that therefore I expect the Bank to recover and return the money that was fraudulently taken from my Accounts. I hope again for a response as soon as possible, with all the information requested and with the money refunded in my accounts. Regards, XXXX XXXX XXXX XXXX Preferred Clients of Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have XXXX XXXXy for my Bank of America card but I also made XXXX extra separate payments beginning in XXXX, XXXX and XXXX on my Bank of America credit card which amounted to almost {$2500.00} and the money was not applied to my active account. Instead the money mysteriously was applied to an inactive business account and no one can explain why it went there instead of my personal account. I discovered this mistake last week and attempted to fix this error. I contacted B of A online. They said that the money will be transferred to the proper account but it may take up to one or two billing cycles. In the meantime, I am paying full interest on money due. It also then limits if I have a big purchase to make as well. What is the delay? They should be paying interest on my money.instead of charging me. When you attempt to talk to them via phone, they hang up on you when you ask them questions as well. Can you help me? Thanks in advance.I also went today XX/XX/13 to a local B of A bank in person to ask them to fix this problem and I got the run-around and they are shifting the blame to my personal XXXX XXXX. This is totally inaccurate, B of A made the error and refuses to make it more timely. Thanks again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I have complained for 2 years to stop mailing me promos. I even went online and changed my setting to stop!!! But bank of america does not care so now i have to complain to you PLEASE GET BANK OF AMERICA TO STOP MAILING ME!! I only want mail that i am legally required to get via mail
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I MADE A INTERNATIONAL MONEY TRANSFER IN XX/XX/2022 USING MY BANK ACCOUNT WITH BANK OF AMERICA, THIS TRANSFER WAS MADE TO XXXX XXXX IN DOLLAR TO BE PAID TO A 3RD PARTY IN DOLLARS IN XXXX, THEY NEVER SEND THE MONEY, BOFA SAID THEY PAID TO XXXX XXXX SINCE NEXT DAY OF THE TRANSACTION BUT XXXX XXXX NEVER MADE THE DEPOSIT IN THE OTHER BANK IN XXXX. I DID 3 CLAIMS BEFORE AN ALWAYS RECEIVE THE SAME ANSWER, BOFA PAID BUT XXXX XXXX NOT ANSWER, NOT PAY AND NOT REFUND THE MONEY.. I DID TRY TO CONTACT XXXX XXXX BUT THEY REFUSE TO GIVE ME INFORMATION BECAUSE I'M NOT YOUR CUSTOMER. MORE THAN A YEAR AND MY MONEY IS LOST {$9800.00} DOLLARS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60153
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had been a customer at Bank of America for approximately 15 years. In recent years, I had not accessed my account much. I have come to discover that my account was closed in XX/XX/XXXX. I was told that the bank began charging $ XXXX monthly maintenance fees in XXXX. I attempted to access my account during that time, but was working abroad and had trouble when I needed customer support. At the time Bank of America began charging me fees, I had made no changes to my account. I don't know what happened that the bank started charging those fees ( after years of not charging them. ) Now that I am in the XXXX, I have been able to access customer service. I've been told that there is no one who can authorize returning those fees to me. I was also told that it might have been possible to recover the fees if the account was open, but they offer no way of reopening the account after they force-closed it.
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: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was immediately denied opening an account with the bank. I reached out to the bank for information regarding why their decision was to decline opening an account, however, they chose not to communicate and instead provide a phone number for an outside consumer reporting agency, which was not, however, the agency the bank had listed on their declination notice letter and was not the agency they based their decision on. They based their the consumer reporting agency ( Early warning service ) which had no negative information about me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Claim ID : XXXX Amount : {$5300.00} On XX/XX/2023 I filed a claim with my bank institution. At that time I informed them my phone was stolen along with my wallet and other items. They opened the claim and 9 days later they denied it. I asked for reconsideration on this and they informed me that they never relied info on my possessions being stolen. Which is false because the phone calls are all recorded. I sent in then after being denied, the police report, phone carrier statement and my statement as well. I faxed these documents in and received a conformation number XXXX the sent fax. Today I called in and they have not received any of the information. I have been given the absolute run around yet I have complied with every request since and nothing has been done. I was on the phone with numerous supervisors and she just rudely hung the phone up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: My account was charged for multiple purchases totaling {$9800.00} in XXXX XXXX before I received my card. I was physically located in XXXX with my family at the time as well. I noticed this by checking my balance in the app. I called Bank of America immediately and notified them. They asked me if I would participate in any investigation that would be started. I agreed. They also told me any funds that would be resolved would be deposited into my account. Within the following two weeks the funds were replaced. At no time was I contacted about any investigations or was I informed that these funds were temporary. Later I was issued a notice stating that my disputed had been declined and I could request all information used to come to this decision and I was to pay back the full amount. I requested the decision be reviewed and I also requested all documents available. I have not received any documentation at this time. I have called and further requested the documents and continued to have no communication on this subject. I have received a notice that I was credited {$3.00} for fees associated with prior claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-13
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: Company : Bank of America XXXX In accordance with the fair credit reporting act XXXX XXXX, Has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1692g - Validation of debt law This account with Bank of America has been Charged off but is still reporting late payments and balance to my credit report. I have requested a 1099c form so I can audit them to make sure they are in compliance but have yet to receive one. The account is showing completely different dates of last activity for each bureau which is completely inaccurate and false reporting. They are violating 15 USC 1681 e ( b ) for reporting information that is not 100 % accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A