Date Received: 2023-06-07
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I got SCAMMED for {$3500.00}. I am just a XXXX XXXXt, and my parents are living abroad. I have upcoming rent to pay, and I have to pay back my credit card. Please help me because all the pressure is on myself that I have no one to help. Picture 1 : I received a text message from XXXX ( XXXX ) XXXX on Friday XX/XX/XXXX afternoon at XXXX p.m. from BOA asking whether the {$500.00} transaction was made by me. I responded NO to the text. Then theres an automatic text message telling me a representative will be contacting me. Picture 2 : The number shown in Picture 2 : XXXX ( XXXX ) XXXX called immediately after the second text message. During this call, a male told me he is from Bank of America and will help me send a new card to my address. Then he asked me to open the BOA app, use XXXX to create new recipient and transfer money. I was unsure whether he is calling from Bank of America, so I asked where he is from. He told me if I feel unsafe, he can call with the official Bank of America customer service number. Picture 3 : You can see from the picture that the call at XXXX XXXX was from XXXX ( XXXX ) XXXX is the official BOA phone number as listed on the bank website. So, I trusted him. The second call happening at XXXX XXXX to the same number was when I realized this could be a SCAM, so I called back to BOA with the same number. AND BOA did answer the phone. If that is the case, how am I able to distinguish BOA from SCAM? Picture 4 XXXX This is the full transaction details happened. The SCAMMER asked me to create new recipient named after myself, XXXX XXXX. And he asked me to make five transactions, amounted {$3500.00} in total. Picture 5 : The account that I was asked to transfer money to is ( XXXX ) XXXX. This person can also be found on XXXX, so it is a real person that is SCAMMING the money. The first transaction is {$700.00}. Meanwhile, this man is well aware of the process of the XXXX transaction. He told me to click YES to the text sent from BOA and kept telling me that this transaction is transferred to my own account. So, I followed his instruction. Picture 6 : This is the screenshot for the second transaction, amounted {$900.00}. Picture 7 : This is the screenshot for the third transaction, amounted {$800.00}. Picture 8 : This is the screenshot for the fourth transaction, amounted {$600.00}. Picture 9 : This is the screenshot for the fourth transaction, amounted {$500.00}. After all transactions, I asked him when I will be receiving my own money. He instructed me that BOA would contact me within 1-2 hours. Picture 10 : This is the screenshot for the text messages telling me that the money was accepted. It was at that time I realized that these could all be a SCAM. But because the message was sent under BOAs name and he did dial to me with the official BOA customer service number, I totally believed what he was XXXX about. The biggest problem is he was able to send text messages sounding like BOA and call to me with the exact OFFICIAL BOA customer service number. I tried to be conscious, but still, with all those steps, I get SCAMMED. I am just a XXXX and {$3500.00} is all the money that I have right now. I have upcoming rent ( ~ {$1500.00} ) to pay, and I have to pay back my credit card. I am also responsible for sending money to my brother and take care of him. I have great burden and I can not tell my family about this matter. BOA is the first bank that I have firmly chosen. I had a great time using it and the people has been really helpful and responsive. I really do hope this issue can be resolved and I can get my money back. However, if this problem is not resolved, I might have to close all my accounts in BOA and choose other banks to work with because I can not afford further loss. Thank you for assisting me in this issue and I really hope my problem gets fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been with Bank of America for 20 years and for no reason they sent me a letter that they will close my account and my mom account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98275
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/ 2023 using Bank of Americas mobile banking app I attempted to transfer {$8800.00} from my Bank of America checking account to my Bank of America savings account. When I completed the transaction I immediately realized I made a mistake and sent those funds in the form of an online banking payment to my Bank of America credit card account. After I realized my mistake I called Bank of America to reverse that payment and have it returned to my checking account. I was told by an agent that my funds were already in the possession of Bank of Americas credit card department and that I would have to wait until the next business day to call Bank of Americas credit card department. On XX/XX/2023 at XXXXXXXX XXXX XXXX I called Bank of Americas credit card department and an agent by the name of XXXX told me that she put through my request to have my funds returned to my checking account. XXXX told me that this could take up to 2 business cycles or 60 days for those funds to be returned to my checking account. I told XXXX that was totally unacceptable to me that I needed those funds returned ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: In the month of XXXX there were several fraud claims reported on my checking account, the bank said the account holder called and reported thr claims, but I am the account holder and I never put in those claims, one of the claims was for {$460.00} which was a money order i purchased to pay my rent and I told the bank that, then there was a # XXXX amount that I was unfamiliar with and the bank had no explanation of, they released the funds from those claims as availabe cash in my account before they even did the fraud investigation, I wanted to close the account, they said no leave it open while we do the investigation. I had my online banking shut down and about a week ago I closed the account and opened a new account at a bank I had a credit card with since XXXX. In XXXX, XXXX XXXX credit card payment which I pay by debit card when I get my social security check was sent back to the bank after it sat in the balance for a week, and there was {$2000.00} in the account when I did the debit, the same thing happened with my XXXX XXXX I got letters from the credit card companies telling me the payments came back. There was funds availavble for both transactions. During XXXX my husband who had online access said he deposiited {$1300.00}, but no deposit was showing at the bank, There was XXXX dollars in the account and then I got a email saying my balance was low, under XXXX dollars so I logged in to see what happened, there was no record of that XXXX dollars leaving the account, customer service could give me no answer of what happened to my money, and I told them my husband claimed he put money in the account {$1300.00}, I cancelled all my husband 's XXXX transactions he had scheduled because the money disappeared., There was {$2800.00} in the account, I put through a grub hub order for {$21.00}, they showed my account overdrawn by {$1.00}, no other transactions hit the account, they had taken money out with no trace, I complained to cuastomer service, they had no answer for it. It was obvious they were purposely trying to make my account look overdrawn and insuffivient funds, I have been with them since XXXX and never had problems until recently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20175
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Hello so XXXX complaint was back in XXXX my card was frozen might have been XXXX to from Bank of America due to fraudulent charges so they froze my account for like two three months was put me in stress couldn't pay my bills almost got a victory out of my home almost lost my car cuz I had no access to my money waited for hours and hours on hold with unemployment because the bank stated it was their problem I heard there's a law too on Bank of America for what happened am I going to be part of that lawsuit if you could please get back to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89701
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I accidentally overpaid our Bank of America credit card on XX/XX/23. We owed {$3500.00} on the credit card and I accidentally paid {$38000.00}. We opened a ticket with Bank of America on XX/XX/23 to have the overpayment of {$35000.00} returned to the same account it was sent from. We have called them multiple times requesting the refund, and each time we are told a different date the money will be returned by. The most recent date we were told this would be resolved was XX/XX/23, but it is now XX/XX/23 and there is no sign of the money being returned. We have requested the provide us with a statement in writing of when we can expect the money back and the exact amount they will be refunding us, but the have refused. We are in the process of buying a home and that is money we were saving for the down payment. We just want our money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98055
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
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: Hi, my name is XXXX XXXX, and I am a XXXX XXXX living in XXXX XXXX, IL. I have a credit card with Bank of America, and it's a joint account with my husband, XXXX XXXX, who is a XXXX veteran. Starting XX/XX/2022, I started experiencing fraud on this account for more than XXXX dollars. I called the bank and started a dispute, but they only gave me a small portion of the money back, and still haven't finished the investigation after six months, but they took the temporary credits away and started charging me interest while this dispute was still ongoing. I spent more than XXXX hours and called them more than 20 times. Everyone gave me some different answers, but no one gave me a clear answer why. Furthermore, I never received any notifications from BOA of what actions they were taking. I was totally in the dark. I feel extremely disappointed with how we are being treated as seniors who are victims of fraud attacks. I hope the government can help us get our money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I deposited {$1600.00} into a Bank of America atm. Once I deposited the cash I was only credited {$300.00} and a receipt with a number to file an electronic claim. After filing the claim the next day I went to the branch who informed me that the atm was cleared out already and It will be fixed in 48 hours. It had been full week and I continue to get the run around, with no explanation and I was denied provisional credit all because of their atm. I continue to call everyday out of frustration and nothing is handled or figured out. I deposited the money XX/XX/2023 to pay my bills and now I am behind and have to pay extra late fees and its extremely embarrassing considering I work very hard for my money and nothing is being done to resolve this issue for me. There is cameras on the atm machines and the machine is cleared out almost every day!! The ATM knew that they missed counting my money or else they would not have printed me a receipt telling me to file an electronic to claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: so I had some fraud happen on my checking and I had a few late payments on of Bank of America account as a result because I could no make the payment this no fault of own. I asked B of A if they could waive the late fees for me. I had 3 they waived 2 of the 3 and would not waive the last one. I talked to a really rude manager in the coperate office this morning and was like even if you might I will get this every time and they will decline and acted like she was XXXX or the ceo of the company. Its XXXX I dont understand why they are making a big fuss about this. I am an excellent customer who never missed payment s before now. This late payment is not my fault and they need to remove all this company does is press a computer and say they are not going ti remove it they dont even care about me a customer and they dont even try to help me. I am very upset and am very amazed how horrible and rude there cooperate office employees are. They dont care about human element or anything they just press buttons on a computer like a Bunch of robots and they refuse to help out at all. I am very very upset and will keep fighting this until this late fee is removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A