Date Received: 2023-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to the bank to make a withdrawal and found out that I had no money in my account on XXXX XXXX XXXX XXXX and it was not me. They did a report about it did my claims I lost my social, and they referred me to this website to report it for protection of my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76209
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My consumer Id XXXX A XXXX XXXXXXXX credit card fraud I was impacted by the XXXX breach and also I been a victim of identifying theft from XXXX to XXXX my identity was stolen and was to open XXXX bank accounts and checking writing as well So I find out around XXXX that my identity was been used to open all kind of accounts and that my ssn was in the XXXX breach so I put an credit lock on all my credit reports agents. But before the credit lock I spent a lot of money tryna to fix my credit report from fraud and still Wasnt able to fix my credit report and. The person which is using my identity has about of inquires on my XXXX and consumer report that I will like to dispute all inquires on my report and in will like all this credit accounts that on my credit report to be removed please and I will like also to dispute my XXXX report since its do to fraud so I can be able to open an checking account If the future this my name XXXX XXXX XXXX XXXX can be reach at XXXX cell. XXXX cell Email XXXX. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX, Bank of America did an offset on my Bank of America Bank account of {$3800.00} to pay a past due Bank of America Credit Card. They left me with pennies to make it through the month. The {$3800.00} was my mortgage and monthly bill money which I now can not pay. I called Bank of America pleading with them to not do this. They said they have the right to take my money as they did. I felt so sick inside, ready to pass out of fear not knowing what to do with Bank Of America cleaning out my account as they did. I explained to them that I hired XXXX XXXX XXXX XXXX months ago to help me with my credit card debt and was sure they had reached out to Bank of America regarding my debt. I told them I was not ignoring them and I did reach out for help. Bank of America did not care about anything I had to say. The representative of Bank of America were terrible. Out of desperation, I did email the CEO of Bank of America, but as expected no reply. I do not know how I will make it through the month with what happened and I am so scared of falling into further financial hardship which is already happening. I am hoping you can please help me. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21209
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: On XXXX by mistake transfer {$1000.00} to someone I dont know but is on my XXXX list. With XXXX I found out is wrong, I try to contact the Bank of America XXXX but is too late, Bank already cly. The next day I went to the Bank Of America, they told me chance is very slim and ask to contact XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91790
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: {$7.00} I wire money to a XXXX XXXX XXXX XXXX in Virginia i believe in XXXX from Bank of America the money it was to meet and greet a celebrity, the people was fake they make me believe they work for XXXX XXXX, and they were the manager of this particular celebrity. I don't know anyone 's name. only XXXX management. they took my DL and they used my identity to get a loan for {$22.00} that now I have to pay. Bank of America know where the money when and to whom, and i told them too many times that they were fake. I just got letter with no solution. So I guess I lost everything. the email XXXX management its false. After they took my money, they ask for more. but i didn't give them, at that moment i knew they were fake. Bank of America has not help me at all, anytime I had to be the one calling. So, I think the closed the case. Very bad customer service and bad communication with the customer. Can you help this is my second time opening a new case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Account was closed many years ago. I paid for as long as I could and then due to a family medical emergency we were unable to continue payments. Im 2020 the account was finally charged off and my ex husband and I paid taxes on the charged off amount because it is considered income. Now two years later I received another form from Bank of America that was reported to the government that said once again I had to pay taxes on another charge off of over XXXX. In turn not only did I not receive a tax refund for last year but I myself ( because I am divorced now since XXXX of 2020 ) had to pay the government over XXXX. I am very confused and am unable to get anyone at BOA to help me resolve my issues. I feel as if they have cheated me not once but twice. I also do not understand why none of this shows up on my credit report as well. I am also unable to access my accounts from them, not just this credit card but the mortgage account we had linked to it at that time as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Ok so My money has been stuck in look with Bank Of America for 3 years. An amount for XXXX XXXX in my checking an and another XXXXXXXX XXXX in my saving. I had been looking for other banks and thought Bank of America would be a could place to store money but XXXX days later they closed both my accounts Im not sure if one of the associates did something with my account but I went in to get a new card and she set me down to discuss about opening and advanced business saving account which I did. Then 2 days later I get a later saying my account being closed and saying my money will be sent in the mail. But after countless months I am still getting the run around for the check. I had a chance to speak with a higher up to see what was going on and they told me they were still investigating funds after 3 years which is insane even do to the fact I can just go to the bank and verify all information needed like Ive insisted on doing. Also I was told the last time my account was closed for overdrafts fees so I know theres something not being done right on there end
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I checked my account balance and did not realize that charges were made. I did notice the balance of about {$1200.00} at the time and placed myself on a budget, so that I was able to pay rent for XXXX. Since I placed myself on a budget and made very small purchases, usually for important items such as gas and items for the grocery store, I did not check my balance until the last week of XXXX to see if I was on budget to purchase food during my break at work. When I checked my balance, there was about {$200.00} in my checking. I immediately locked the card and called customer service. At the time, I did not realize how far back purchases to XXXX were being made fraudulently. I have purchased from XXXX in the past, however not during XXXX due to my budget. When the original customer service representative made the claim, she placed it for an entire year totaling {$2900.00}. I asked her to remove those additional claims of XXXX transactions and she did. However, when she was submitting, she said it still said XXXX transactions but it was ok and it would show up correctly later. I had to call back a day later and ask again to have those additional transactions removed and that the first transaction that was placed fraudulently began XX/XX/XXXX with XXXX charges to XXXX in XXXX day and to continue throughout the month. I asked for an escalation credit which I never got an update on until I called days later. The associate told me that I would be receiving my credit in a couple of hours, and it never came. I called on XXXX and the new associate told me it was misinformation and she would resubmit for the escalation credit and said it usually receives an answer the same day and to call back later that day to get an answer. I called back later and the new associate told me it was misinformation and that was the wrong credit that was submitted and it was supposed to be a hardship credit and that he would submit it. The next day I called and spoke with a supervisor who told me the associates misinformed me there could be only XXXX escalation credit submitted per claim which was denied but I should hear a decision or a credit by XX/XX/XXXX. I called today XX/XX/XXXX after realizing that a decision was made this morning that my claimed was denied entirely and I would not get my money back due to lack of evidence of fraud The researchers never contacted the merchant, they never asked to see my XXXX account to confirm no charges were made, and they did not confirm where the XXXX orders were made. Also, I should have received notices of fraudulent activity on my card when {$1700.00} was spent on XXXX but I did not. When I spoke to the supervisor all she could offer me was to open my case for review that could take XXXX days ( with no promise of getting my money ) and with no possibility of escalation credit. I am a single mother with rent that is past due because of this situation and Bank of America did not do there due diligence in helping with the claim and investigating although I have had an account with them for over 8 years with no suspicious activity on my account so I am confused as to why Bank of America would feel I need to lie on my claim regarding {$1700.00} worth of XXXX claims in a month when my deposits from my paycheck are substantially lower than that. I will be withdrawing my money, closing my account and relocating to another bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Disclosure : - I am dealing with this issue about 2 years now. - About XXXX XXXX XXXX XXXX is missing, Bank of America does not react. - I am XXXX but living in XXXX and USA and have a business in Florida. - My personal and business account are both at Bank of America - Due to my health and medical condition, I am unable to travel to USA ( since 2 years ) - My daughter is fully introduced to my problem and helps me with translation and documents. Short Summary of two long years while fighting with the Bank of America to unlock my blocked private account, which now turned into a closed account with no information about the remaining money on this savings account. ( About two years ago ) due to unknown reasons my personal account was blocked by BoA after transferring money from my business account to my private account. I contacted the BoA Service Hotline several times over the course of many months. Always the same answer : They do not know what caused the account to be closed, I need to wait, or this issue only can be fixed in person, and they can not unlock it. Due to my health and corona regulations, I was not able to travel to the US, and nobody suggested any other options. In my frustration I also sent letters with my issue to the BoA CEO, to the Customer Complaint Office and to the facility in XXXX XXXX where I opened the account. Never received an answer. In XX/XX/XXXX my daughter went to a facility in XXXX XXXX XXXX Florida ) to solve this issue in person and get more information how to unlock the private account. She had all necessary documents ( Signed power of attorney, all passport documents in original form, my personal and medical information, and banking cards ), yet the manager did not give her any information or options to solve the issue. But suggested that the account should be better closed since BoA no longer supports customer accounts were the account owner no longer lives in the US. Furthermore, the manager suggested that I should cancel the private account in written form with a notarization and stating that the remaining money will be transferred to the remaining business account. I sent the cancellation as a letter as described and the needed notarization with clear instruction to transfer the remaining money off the private account and to the business account with all necessary banking information. XXXXwo weeks later : The letter was successfully delivered to Bank of America ( tracking and tracing service was applied ). Status Quo until now : The private account is now closed, but the money was never transferred to the business account. I contacted the manager of the facility in XXXX XXXXl, she redirects me to the Service Hotline and tells me that she can not help. The Service Hotline ( called several times ) tells me the same ( can not help ) and there is no more record - I also asked to be directed to higher instances but they always decline the offer and tell me I need to wait - I am waiting for this money more than 5 month now. Summary of evidence and events : Starting from XX/XX/XXXX : Private Account was blocked and access via online banking denied. ( Page 3 : XXXX. XX/XX/XXXX ) -> E-Mail to XXXX XXXX XXXX XXXX First contact person in XXXX XXXX facility ) ( Page 4 : XXXX. XX/XX/XXXX ) -> Information that I need to come to the facility in the US ( impossible during Corona travel restriction and my declining health situation ) Multiple phone calls in between with XXXX XXXX XXXX and Customer Service Hotlines Always the same outcome : Nobody knows the exact reason why the private account was blocked, always got transferred to another department, no alternative to unlock unless I come to a BoA facility and all access denied. Customer Service then told me to wait to resolve the issues ( 4 Month of waiting no solution ) Called Customer Service again. Now being connected to the Fraud Centre Hotline, accused of fraud but no explanation why or what happened. Employee transferred me to another fraud detection employee, but also no information, record, or further information why I am being accused or what caused this to happen : I need to go to the facility to resolve it myself and hung up. Followed by more phone calls- always explaining that I can not go to US due to corona travel restrictions and I need another solution. My health condition got worse, and I paused my further actions. ( Page 5 : XXXX XX/XX/XXXX ) -> Fist E-Mail of Security Alerts : transactions were declined ( I had no access to any online login, online banking or account information and my card was blocked too! ) Acted and called Customer Service to cancel any transaction and get more information about the status. No information or answer and I got transferred to fraud department again, telling me that there is no clear information why I am being accused, but saw that there were several transactions within the last month but since I never declined or stated that something was wrong no actions were taken ( How could I know this? since I had no access to this account in any way, I was not even able to get account information about transactions or payments at all ) The employee told me he will investigate and call back He never called back! ( Page 6/7 : XXXX XX/XX/XXXX ) -> Security Alerts : transactions were declined. Called the Hotline again - Same outcome. After that I never received any Alert E-Mails again. Between XXXX and XXXX, I called the Service Hotline and also send medical records that I can not go to the US and Corona was still present. Always the same conversation : Nobody knows the exact reason why the private account was blocked, always got transferred to another department, no alternative to unlock unless I come to a BoA facility and all access denied. Customer Service told me to wait to resolve the issue. In XXXX, my daughter XXXX XXXX, accepted to fly the US for me and resolve the issues in person. She was still finishing her degree and would be able to travel to Florida in early XX/XX/XXXX. We prepared everything she needed in order to get access and to travel to the US. ( Page 8 : XXXX XXXX ) I did not know how to further progress and wrote a letter to the CEO of BoA, the Customer Service and to the facility in XXXX XXXX , FL. ( Page 9 : XXXX XXXX ) I send the same letter to the following addresses : Bank of America Headquarters XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX The facility where I opened the accounts in the beginning of XXXX ) ( Page 10 : XXXX XXXX ) : Prove of receiving the letter ( to the CEO ) No answers! ( Page 11/12 : XX/XX/XXXX ) My daughter, XXXX XXXX, travelled to XXXX XXXX with the necessary - documents. All documents were in original form, as well as my and her passports, signed power of attorney, handwritten approval to give her information and access to both of my accounts, medical report and explanation why I am unable to travel and credit cards in original form. The XXXX ( XXXX XXXX ) at the facility in XXXX XXXX ( XXXX Cape XXXX XXXX XXXX, FL XXXX ) denied her access and all information and just told her that I need to be there in person, there is no other option! She then told my daughter that this account should be closed since BoA does not supports accounts where the account owner no longer lives in the US. And this can be done in written form with a letter stating the wish to close the account ( signed and authorised by the notary ) and that the remaining money then will be sent to an account stated in this letter. ( Page 13/14 : XXXX. XX/XX/XXXX ) : Letter confirming my will to close the private account and to transfer the remaining money to my other account at BoA ( singed and with the conformation of the notary ) ( Page 15 : XXXX. XX/XX/XXXX ) : Information that my account was successfully closed. I waited and checked my other account to receive the money from my private account. End of XX/XX/XXXX : Still no information or transfer of the money. ( Page 16 : End of XX/XX/XXXX ) : I send an E-Mail to XXXX XXXX, manager in XXXX XXXX XXXX XXXX facility to get further information or explanation why the money has not been transferred yet. ( Page 17 : XXXX. XX/XX/XXXX ) : Since I did not get a response, I wrote an e-mail again. ( Page 18 : XXXX. XX/XX/XXXX ) : She answered and told me to call the Customer Service I called the number and explained my situation. The employee told me that there is no more record, since the account is closed, and they can not help me.
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: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX of 2023 I had my card stolen at XXXX XXXX XXXX. Someone used my card to charge two different items one totaling XXXX and another XXXX XXXXXXXX as soon as I noticed my card was gone I lefrlt the event and checked my account and called right away to shut down the card. I have no proof that I did not make the purchase except for the fact that I have no items. Obviously I wouldn't have a receipt. The merchant claimed the their used tap to pay so no pin was entered. I should not be responsible for the charged because the bank should require pin numbers for all transactions even tap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34769
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A