Date Received: 2023-06-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: In 2019 - all my BOFA accounts were closed due to a banking decision. I respect it but there is an error and I did not do anything wrong. I paid for everything on time - nothing bad. I want to discuss with someone why I get blacklisted. Please contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: In XX/XX/2019 - all my BOFA accounts were closed due to a banking decision. I respect it but there is an error and I did not do anything wrong. I paid for everything on time - nothing bad. I want to discuss with someone why I get blacklisted. Please contact me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33446
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I requested my account be closed XXXX XX/XX/2023 i called bank of america because i noticed my job did not change my direct deposit information and the funds were sent to the bank of america account . bank of america told me that because i requested the account to be closed i can not access the funds because there is a credits only status. they will not remove the credits only status on the account and i was told no one can help me. they told me i would be without funds for the next 10 business days until the account actually closes. then after that i would have to wait another 10 business days in order to receive the check with the funds. The representative i spoke with did not tell me that my account would be on a credits only status for the next 10 business days once i requested the account closure. now i am unable to pay bills, be financially stable, or financially free for the next month. No one at bank of america will help me. i asked the rep for corporate details and i was not provided the information she told me go to a branch to get it. ive spoken with 4 representatives and no one can give me the name or the number to the person who had the authority to release my funds!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60655
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: For entire month of XX/XX/2023 I tried transfer money from Bank of America to another financial institution-5 times through previously installed line between my account in BoA and other financial institution, every time posted transfer was returned back to my account of BoA without any reason and information. I set up appointment with manager brunch of BoA, we spent 1.5 hrs. without any result, contacting upper level of the management BoA, available for brunch manager. I contacted a few times the President of BoA for retail XXXX XXXX XXXX, and a few reps from BoA called me and per their investigation provide me with information about my posted transfer, again, without any explanation HOW and WHO made this mess and without any responsibility/compensation for losing money, which my family expected profit for such transfer. I expect involvement CFPB in such mess and result, including my family hope for compensation from BoA for such business behavior for us, average Americans
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, at or around XXXX XXXX, I drove up the drive-thru ATM banking lane at Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I initially tried to use the first available ATM located in the last lane of the drive-thru bay. Since the machine was malfunctioning, and not responding to touch commands on the screen ; although inconvenient and kinda sketchy, I drove around to the 2nd machine, which was in the first lane of the drive-thru bay to try the transaction again. The machine ( ID - XXXX ). When I tried to make the deposit, the machine, XXXX asked if I was depositing cash or checks. A note on the machine instructed not to place more than XXXX bills in the slot at a time. I touched cash on the monitor, and the cash slot opened where I then placed only XXXX, crisp and new {$100.00} bills to be deposited to my checking account number ending XXXX. The machine took all of the bills, made some noises as if it was counting or organizing the bills, then asked again if I was depositing cash or checks, to which, I again selected cash. At this time, the machine again opened the bill slot so more cash could be entered, however, I had already given the machine all XXXX bills for the {$2000.00} deposit. The only other option it gave me was to select DONE. When I did that, it closed the transaction without giving me the credit for the {$2000.00}, and only my pre-deposit balance amount of {$180.00} was showing on the screen. It did not print a receipt showing the correct balance of {$2100.00}. I came inside the branch, understandably upset, and finally got some assistance beyond being given a business card and being told to call the Fraud Claims team to file a claim. After being transferred several times, I finally reached someone named XXXX or XXXX, who told me their department didn't speak to customers. After a few terse exchanges, she then unceremoniously yelled at me stating " That's the reason we don't speak to customers '' after I showed aggravation at her asking me if I needed Spanish or English Customer Service; and then she hung up on me! Her disrespectful response was rude. Additionally, it was condescending and unnecessary for her to ask me if I needed Spanish or English customer service when we had only been speaking English to start with. At the bank, XXXX and XXXX, finally offered me seating in a cubicle, as I had been standing out in the lobby where other customers watched in amusement while I tried to get help. They assisted me with filing the claim, and requesting an escalation so that the funds could be quickly " temporarily '' deposited to my account, as this sort of thing happens with the bank 's ATMs, and the claim could take several days to be resolved. In fact, the bank 's staff explained that one of the machines had received service earlier this week and perhaps that might have been the cause for the service. I was told that escalating the matter would bring the appropriate awareness to the situation, and the funds would be deposited into my account within 24 hours. I would also receive a call from a bank branch employee with an update because the branch manager personally wanted to make sure the matter was handled. When I didn't hear from the bank 's manager, XXXX, or XXXX, today, I tried calling the branch directly but could not reach anyone. So I then reached out to the fraud team at XXXX. After being placed on hold for over 30 minutes and speaking with XXXX, then 3 different " supervisors '' XXXX, XXXX, and XXXX, I was informed the request to issue a provisional credit was denied because they needed 2 weeks to fully research what occurred. In the meantime, they could do nothing regarding my missing money, and could not advise me on what I should do regarding my financial responsibilities while I wait for the research to be done. It didn't matter that I had been " a valued Bank of America customer for 23 years ''. I tried several times to escalate to a senior manager but was denied by all so-called " customer care '' representatives and supervisors. After getting nowhere on the phone, I went back to the bank branch today. Both XXXX and the branch XXXX, XXXX XXXX tried to escalate the request with the fraud team but were unsuccessful. Based on the response they received from the fraud team 's XXXX, XXXX explained that I would have to wait for that team 's research to be completed which entailed an audit of the ATM to determine if it was out of balance. Only then would I be refunded my missing {$2000.00}. XXXX and XXXX were able to determine that a bank courier had serviced the machine earlier today, and it might be possible to have a resolution sometime early next week. Even knowing that, they said the bank could not advance a temporary credit because the machine in question was not XXXX the branch was responsible for. ( even though it was a Bank of America ATM, at a Bank of America drive-thru, on Bank of America XXXX XXXX! ) Having banked with BofA for 23 years, I am pleased to say that I have never had any issues with my accounts. The XXXX time in all my years of patronage that I required assistance, they failed to help. I am saddened and outraged by the lack of basic customer service and the abysmal treatment I have received in this matter. I honestly feel as though I was treated like a scheming, dishonest criminal when I am the victim. The bank not only had XXXX malfunctioning ATM, they had XXXX of them!! They took my hard-earned money, and are now unwilling to remedy this matter that they are fully aware occurs routinely to customers. Now I have to deposit more money to cover my missing {$2000.00}, and wait until someone decides to fix this! They can review the ATM camera footage, which will clearly show I placed bills in that machine that are not appearing in my checking account. They can run a balancing audit to confirm there's at least {$2000.00} out of balance, maybe more depending on how many other customers were robbed this week. But someone needs to do something so I can be made whole. I get that my account doesn't have thousands of dollars flowing through it, and {$2000.00} is probably insignificant in comparison to the large sums of cash BofA employees manage. However, it's very meaningful to me and my financial needs. Please contact me at XXXX to further discuss an immediate resolution so that my account balance can be corrected. Thank you in advance for your assistance. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX Email : XXXX BofA Fraud Claim # XXXX Issue : The bank 's ATM stole {$2000.00} from me and the bank is unwilling to refund me temporarily while they investigate the error with the machine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76018
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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 transfered a charged off account to a collection agency in XX/XX/XXXX. The transfer to the collection agency was NEVER reported to any of the XXXX credit bureaus. Bank of America refuses to report accurate account history. I never consented to have my SSN, date of birth, address, name or account information shared to any company nor was I notified my account had been transfered to collections until I received letters from several collection agencies. XXXX disputes were submitted requesting accurate account history be reported and the transfer to collection be reported. As a consumer I have a right to have accurate account history reported. All my disputes are closed citing BOA is reporting accurately but nothing to substantiate a through investigation was completed to close my dispute. Providing letters from all the collection agencies my account was sent to, as well as a letter from Bank of America admitting my account was charged off and not accurately reported was never considered. I confirmed the issue as " unresolved '' as feedback to my last CFPB complaint which was also ignored. I contacted bank of america by phone and visited the branch. I contacted the collection agencies that sent letters and statements stating my balance was transferred. A security freeze was added to my consumer file. XX/XX/XXXX after I receive a letter from the same company claiming to be the new servicer of my account. Several collection agencies are contacting me about an account that was charged off in XXXX after I had to claim the balance as income on my XXXX. BOA writes of the balance sends me a XXXX then forces me to continue making payments without reporting the account went to collections. Collection agencies must STOP contacting me and STOP submitting credit inquiries for my credit to intentionally harm/damage my credit score. I provide proof, the inaccurate information is never removed or updated. All attempts to correct Bank of America 's mistakes have been unsuccessful. I have wasted time, money and other resources to get this matter resolved. Companies committing fraud should be held accountable. Hold BOA accountable
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: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Debt card Fraud & Identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
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: Money was not available when promised
Subissue:
Consumer Complaint: A XXXX transfer was debited from my account, after XXXX hours the recipient did not receive the money. I phoned BofA, and they said that there was a XXXX outage. What is XXXX doing with my money? There have been many problems with XXXX. Chalk this up to another one. Is there a class action suit filed against them? Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX, I received through the mail a company check from an interested buyer for my XXXX XXXX XXXX in the amount of {$44000.00}. I initially went to XXXX XXXX to verify the account with them, but they could not tell me and the check was not cashable due to the amount they said. XXXX XXXX told me that the only way to know good or bad is to deposit it into my own account at Bank of America. I then proceeded to my bank off of XXXX near XXXX and XXXX. I asked the cashier and she told me that the only way was to deposit it into my account. She said if I did deposit it and I requested a full hold out of concern that I would not be harmed either way. So I made the deposit, to my account ending in XXXX. On the XXXX, I was notified that the check was being returned and so I filed a police report and a complaint with the XXXX XXXX 's XXXX XXXX 's online form. On the XXXX of XXXX, I began to transfer funds from my other account into my account at Bank of America ending in XXXX and on the XXXX, I had moved a total of {$10000.00} to the account for the closing of a property due the XXXX of XXXX. On the XXXX of XXXX, I went to the bank and found out that the bank decided to close my account and froze my money. The bank never notified me that this was happening and still days after they started the process kept allowing funds to enter my account. Now I am about to lose my earnest money because the funds are not available to me and they are saying it wont be for 30 days. Now because of them, I will be out my money, my earnest money, lose the house, and have to explain to my wife. The bank is treating me as I am a criminal who tried to do something when I only listened to the bank in how to handle this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77066
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Do not label this as a duplicate obviously I didnt get justice in the last 90 days!!!! Unauthorized purchases totaling { {$22000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XXXX of XXXX. On XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX of XXXX, and in my requested my claim packet before this claim was to be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within XXXX days of me filing a dispute.and stated I only have {$7.00} on a card I never spent unemployment on and been waiting the last 3 years, There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed XXXX days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their XXXX benefits. They tried to tell me I have to confirm my identity after I just got the new card because the original card was hacked or stolen, I wrote the company my phone died talking to escalations they made it very hard to place the claim which I have stated in 3 closed complaints before this one the card finally came in the mail aboutt 80 days ago and I activated it when the other dispute packets came in which I will tag to this dispute, didnt want to activate it online due to not getting it last time and last time somehow it was activated and used its been mail theft and internet theft in my area and Im pretty sure this is what happened, I have the new card and still cant get help, this is due to the bank not wanting to work with me about true matter and stated I never put a claim in but again I was hacked and could verify myself until XXXX in the bank eyes, asked me to verify myself due to not having a card this is pretty crazy I got the card now still attached in the envelope. I will not accept 90 more days asi will like to seek max penalties towards Bank of America for trying to send the investigation packets as if The thiefs never happened asked me to call back in and go trough verifying myself but cant due to no one understanding whats going on, when I call the number that is given on the complaint and extension due to my privacy Bank of America tells me its not a number they transfer to and is unsafe, Total run around, the claim had to be restarted due to the bank not verifying me and is in denial of the law wanting another 90 days, please in force a fast reply would like to apply max penalties if no response within 10-15 days in the portal due to what the law is as well as make any response public as they dont want to talk to me when I call.and a bunch of back and forth calls to a regulator that not even on the same time as any clients, let taking it goes straight to a message to even reach a regulator for this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A