Date Received: 2023-06-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A Bank of America regulator called me about my complaint before I left our Florida home in XXXX. Although we spoke at length the bank does not see Nexus, which is higher clearance than even a passport between XXXX and the United States, as a piece of ID available for bank identification. I asked the regulator, how do you think I got into the USA? I said not with my passport but with my Nexus! The regulator said that they would research the trusted traveller site to understand the Nexus, and other ID used by the United States and XXXX. https : //ttp.dhs.gov/ Has this resolved my issue? Not at all! A feeble suggestion to look at the Nexus as a valid piece of ID will do nothing for me banking next time I am at Bank of America. I do not travel with two very valuable pieces of ID as it is redundant. I also had my purse stolen previously and therefore have a concern for the safety of these items. The Nexus ID allows for much more opportunities when crossing the border and at airports without long delays. It is the ultimate ID and already has my passport attached to it and required me to go through much more clearance and interviewing to attain it than the passport. This is an ongoing unresolved discriminatory issue between Bank of America and me, and actually the trusted traveller Nexus ID program, which is but one of high security ID available, if they were to review the site. ( TSA pre-check, Global EntryXXXX Nexus, Sentri and Fast ) I suspect they just dont wish to add one more thing into their system for their tellers as valid ID! At the moment there is not this delineation available. There is, however, another discriminatory piece that tellers must not accept valid XXXX drivers licenses with our photos either! Thank you for your assistance with this matter. Somehow I am not surprised Bank of America neglected to respond to XXXX as I saw their customer service complaints through XXXX and it is not good! I may just switch banks but I also worry other banks are also not up to speed with what are truly secure ID in the 21st century.
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: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: i sent copies of police report and supporting documents stating i am victim of identity theft and they have not did anything to remove these accounts these debts are not mines. XXXX. Bank of America account open on XX/XX/XXXX in the amount of {$5100.00} account numberXXXX XXXX. XXXX XXXX account number XXXX opened XX/XX/XXXX in the amount of {$8000.00} XXXX XXXX account number XXXX opened XX/XX/XXXX XXXX in the amount of XXXX, The credit bureaus sent official letters stating that the items were removed but they are still reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72211
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XXXX alerted me that Bank of America had opened an unrequested credit card in my name. I was a co-signer only on my late father 's XXXX account. I called XXXX, and they cancelled the card. I asked for a copy of the application, which I'm entitled to, but they never sent it, which leads me to believe there was none, which indicates the bank itself initiated the application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85225
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2023 I use my card at the XXXX in XXXX to get gas with a total of {$10.00}. Are use the card at the pump and everything seemed fine until last Friday, XX/XX/2023. I was at my childrens school helping out with play day when I received a notification that my card was overdrawn. Now I knew at the time that I had several hundred dollars in the account as I had just gotten paid a total of XXXX and I had some money already in the account prior. When I opened my app, it showed that several hundred dollars at a time were being taken out at a XXXX so I called reported it told them that I had the card in my possession and that I needed that money to pay my rent that day and they told me that there was really not much they could do. They sent me my new card but the money was held up for a total of 90 days they could not issue a credit. They said they could put in a hardship but it wouldnt guarantee anything. I called to try to ask them what the status was. They said we cant really offer any more information theres really nothing we can do. I really need help getting some sort of credit put towards it especially when it wasnt even a credit card its a prepaid child support card where the money was sitting there, and very obviously not used by me in this instance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 211XX
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Dear sirs : My name is XXXX XXXX with SS XXXX. XXXX XXXX XXXX. More than 1 year ago, almost 2 years I went to a Bank XXXX XXXX in XXXX Fl to asked for a credit card, in order to get credit history the associate personal banker toll me if I put a XXXX USD as deposit I will have a credit card for that amount I accept it and they took the XXXX usd but next day I went back to the same location and I reject the transaction. I spoke with the same associate I told him that I do not want that credit card, the associate made a phone call and cancel the transaction in front of me and he told me that the XXXX usd will be return to me by mail in few days. I never received the credit card, so I do not know the number and I never received the refund of XXXX usd I am still waiting for almost 2 years to get my {$200.00} usd, I been calling every 15 days asking to make the refund to my daughter address in New Jersey ( XXXX XXXX XXXX XXXX NJ XXXX ) and In all my calls a woman or a man promised me that the check will be mail in few days I have been waiting and waiting I believe the time is off. In all my phone calls always waiting for more than XXXX minutes and I received the same answer, the check will be mail but never got it. Is not fair that the bank keep my money I need my money be return with damages for 2 years waiting to have it. Thanks a lot XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Bank of America fraud department will not give me my funds back. Someone took my money from my bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2023-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed my account at Bank of America on XX/XX/2023. Prior to that I requested that they cancel all recurring auto drafts and I verified with them twice that they had. This is after they had me get a new atm card telling me that would fix the problem. On XX/XX/2023 I received an email from Bank of America that they were crediting me XXXX for a bill that I paid through Bill pay but it was never cashed. I called them XX/XX/2023 and asked them since my account is in pending closed status for 10 days, could I come in and get my money. NO, I had to wait 10 days just in case a transaction comes through that would re-open my account. I tell them that if I wanted my account open I wouldnt have closed it. And I asked them why they could use my money to cover auto charges that I was assured were no longer there but I couldn't come get my money. It has been 19 days and I still do not have my money. I called today XXXX and they tell me its in pending closed status. I ask why? They tell me because there was a auto pay that reopened my account! Which was paid and the merchant that they paid was already paid from my new account and now I get to chase down those funds. I closed my account for a reason. They will not release my money and can not tell me when or why they re-opened my account. This is criminal and preditory
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92203
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2023-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-09
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: Unauthorized Charge XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX for {$630.00} on XX/XX/2023. Unauthorized Charge XXXX : XXXX 's XXXX XXXX, XXXXXXXX XXXX XXXX. XXXX XXXX, MD XXXX for {$14.00} on XX/XX/2023 Police Report filed on XX/XX/2023 in XXXX XXXX, Virginia. Control No. XXXX. On Saturday, XX/XX/2023, unauthorized purchases were made using my credit card at multiple locations. The first transaction occurred at the XXXX XXXX XXXX located in XXXX XXXX, amounting to {$630.00}. Additionally, my credit card was used to make a purchase of {$14.00} at XXXXXXXX XXXX XXXX XXXXXXXX in XXXX XXXX, MD. Furthermore, an attempt was made to use my card at XXXX XXXX XXXX, presumably located in XXXX XXXX. This one purchase was detected by my bank and was declined ( and does not show on my credit statement ). I want to emphasize that I was not present at any of these locations during the time of the transactions. I was in XXXX XXXX XXXXXXXX at the time and could not have made these purchases. I found out about these purchases on Sunday, XX/XX/XXXX when I returned home from XXXX XXXX XXXX. I opened my Bank of America application to see how much I spent in XXXX XXXX XXXXXXXX, and saw that I could not review any credit card transactions, instead, a page requesting I call the Fraud Department appeared. I called, they asked if I made the 2 most recent purchases ( a taxi ride between XXXX XXXX and my apartment and a miscellaneous hotel fee ). I confirmed I did make those two purchases. Then I was able to access my credit statement. When I checked my credit statement, I saw the XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX purchases. I called the Fraud Department and alerted them of the purchases and would like to make a fraud claim. They let me know that there was a XXXX XXXX XXXX purchase that was stopped. However, my card was never locked by the bank, and I received no correspondence via email, call, text, from the bank alerting me of any unauthorized purchases. I was able to be in XXXX XXXX XXXXXXXX and make purchases while making purchases in Virginia and Maryland. The bank alerted me that the purchases at XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX were done using a chip, I told them I had my credit card with me and they asked if I had ordered another card. I said I had ordered a new card for my fianc on XX/XX/2023, but it had not yet arrived. They then processed my fraud claim. I cut up the credit card and they confirmed that another card would be mailed. Today, XX/XX/XXXX, I received a notiIcation that my fraud claim was denied and I would be required to pay the XXXX XXXX and XXXXXXXX XXXX XXXX XXXXXXXX transactions. The letter reads that the bank confirmed my card was " used for the charge ( s ). '' " The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. '' These charges are higher charges that I have spent in total for the last few months on this credit card. Again, I was not in XXXX XXXX XXXX with my credit card, and no one else was authorized to make any payments with my card. I will call Bank of America to let them know that I have filed a police report ( and provide the control number ) and that I have filed this Consumer Financial Protection Bureau complaint as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank of America claims to reimburse for fraud and yet someone was able to make an account at XXXX XXXXXXXX XXXX in my name, then wire XXXX $ from my checking account at Bank of America to that account at XXXX XXXXXXXX XXXX without even my authorization. They have access to my accounts. All of this done while i wasnt even in the country! So theres no way i could have done it. I reported the fraud immediately on monday XX/XX/XXXX, and today XX/XX/XXXX i called them to see the status of my claim and the representative said they already resolved it and sent me an email yesterday XX/XX/XXXX. They took less than 48 hours to investigate a fraud of nearly XXXX $??? And came to the conclusion that i had initiated it through my laptop? I was HOME ALONE WITH MY LAPTOP OFF THE WHOLE DAY. I dont believe they did proper investigation at all and just dont want to reimburse me that amount. The first representative said that the FBI was going to investigate, i dont think anyone did any thorough investigation. Also theres no way they could even know which laptop executed the wire. Also when i check the status of my claim on their app it says i dont have any claims in the last 120 days! So they didnt even file my claim! You can see all of my transactions for the last half a year are in XXXX, im not even in the XXXX right now. I have thousands of followers on XXXX and i am gathering information to share on my social media and im sure i will have hundreds of retweets, the worst fraud of all has been from this bank lying that they would reimburse fraud cases. Theres many holes in their investigation of my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A