Date Received: 2023-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a Bank of America checking account on XX/XX/2023. I received an inheritance check for {$270000.00} from my aunt XXXX, from her account at XXXX, which she owns jointly with herself and my aunt XXXX, as part of the sale of my late grandmother 's property. My aunt XXXX wrote three temporary checks for {$270000.00} for my grandmother 's heirs, all three from the same account at XXXX. My check was deposited on XX/XX/2023. Coincidentally, my aunt XXXX who holds an account at Bank of America, deposited her respective check for {$270000.00} at the same branch with the same teller as me a few hours before I made my deposit. When I made the deposit, the teller made a comment to her manager in front of me about how I was depositing a check almost identical to my aunt XXXX. At the time, I thought nothing of it as I had been explaining to the employees at the local Bank of America since I opened the account that the purpose of my account was to hold my inheritance. The issue ultimately started when I noticed a discrepancy in the amounts on my deposit slip when checking for when my funds would be available. My check was for {$270000.00}, but I noticed that based on the paper slip, {$5300.00} would be available first on XX/XX/XXXX and then {$260000.00} would be available XX/XX/2023, but those amounts were off {$220.00} from the full amount of my check. This prompted me to double check the digital slip online where I then discovered I did not have access to my BOA online account. So, I go to my local Bank of America to find out why this is happening and learn that Bank of America blocked my account for fraud because BOA suspected the check I deposited was allegedly counterfeit. To rebut this, I brought my aunt XXXX, who is an authorized signer on the XXXX account the check was drawn from, a statement from my aunts ' XXXX account, and copies of all three checks to show to that the check is valid. The Bank offered to escalate the matter, which we did that day, which I remember to be approximately XX/XX/XXXX. Nothing came of the escalation. So then I went to BOA again last Wednesday, XX/XX/XXXX to try to release to funds by bringing my aunt XXXX, who is an authorized on the XXXX account, and a sworn, notarized affidavit from aunt XXXX who wrote the check, that the check was valid, and nothing. Today I learned Bank of America closed my account and wrote me a check for {$2.00}. The {$270000.00} are still in limbo. The funds were removed from my aunts ' account, but they are not available to me as they are still on hold. Bank of America has not even returned the funds to my aunts ' account, despite alleging the check was counterfeit, which is what the employees at my aunt 's bank told her is the typical course of action in such situations. It has been almost a month since my check was deposited, and I have no access to any money. Despite numerous visits, calls, and copious evidence, Bank of America continues to maintain, in bad faith, that the check was counterfeit, and BOA has wrongfully banned me from holding an account with them for 7 years for this when I am wholly innocent. I deposited a valid check that XXXX honored. According to the expedited funds availability act, Bank of America should have given me my first {$5000.00} within 8 business days, but I have {$0.00} available and a wrongful fraud allegation that Bank of America will not allow me to rebut. This is causing me damages to my personal finances and my reputation as I work in corrections and law enforcement and can not afford to be accused of fraud. At this point, I need CFPB 's help to clear my name because Bank of America refuses to work with me in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33126
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: You have been reporting on my credit and I didnt know I was an authorized user for this account Id like this account immediately permanently removed from all 3 credit agencies please it should not be reporting on my credit and it is
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
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: With Bank of America prepaid it's my EDD it's {$13000.00} I'll get a police reports victim of identity theft as well as three different police reports I've never received the card until last month and they keep in denying my claim it's over 3 years old I'm owed the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90201
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I ordered a visa debt card with Bank of America and I tried to tell them that I want a design in my name only but they tell me no you can't because a family member has to get it as well I tried to tell them she does not want it she likes the default card I like to use the XXXX XXXX XXXX and they still never fixed my issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63125
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A Bank of America employee XXXX XXXX on multiple occasions accessed my personal information to search state websites for unclaimed money owed to me, then admitted she had done so. She also used my incarcerated brothers identity to open multiple credit accounts and accrue over {$13000.00} in debt fraudulently. I contacted Bank of America with this information and offered to show them proof of all of these things such as his credit report, showing everything is going to her address and communications between her and I where I asked her about it he fraudulent accounts and she admits to it and offers to send me the cards and doesnt. The bank declined to accept the information and stated they could not do anything about it. XXXX XXXX is actively stealing identity from vulnerable people who have no access to stop her using her position at Bank of America to assist her commit crimes and they dont care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92584
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I found out XX/XX/2023 that my account was frozen when attempting to use my debit card. I called their hotline and spoke to a representative about both my checking account and credit card with Bank of America and I was told that my account was to be closed and that no reason could be given to me as to why. I was then told that a letter, of which I never received, was sent to me about it. I was then told I could not access any of my funds that they are still in possession of. I checked my emails and my account notifications on their website and no information on what was going on was visible. I will now be incurring significant debt and late fees as all of my other accounts where paid using the checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90003
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have some information on my credit that is not associated with me. I would like for them to be removed the inquiries thats on my account. Its not mine, and a few other items that on my account needs to be updated such as my name my address in my phone number
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: 2023-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Ive been a Bank of America customer for 26 years. On XX/XX/2023 XXXX be XXXX XXXX XXXX. So I qualify for your Elderlycare program. My bank withheld over {$3500.00} because of of the scam companies withdrawing funds from my checking account. The three major companies that are withdrawing funds from my account is XXXX, XXXX, and XXXX. I have never done business with either one of those companies. I have called my bank almost every day for the past 5 months without any results. Recently, my wife XXXX XXXX XXXX XXXX received a letter explaining that XXXX XXXX XXXX had a data breach as of the first of the year. This data breach effected over XXXX XXXX of there customers. I feel because of XXXX XXXX XXXX data breach we were one of customers effected. The letter from XXXX XXXX XXXX says REST assured that no sensitive personal information or financial information such as social security numbers or credit card information was accessed. They said that so they can cover themselves in case of suit. BUT, The letter didnt say anything about checking accounts. I spoke with many of my banks representatives about the breach. They acted like they never heard of the breach. I couldnt believe that. I faxed a copy of the documents to them. They never acknowledged or responded to any of my disputes or acknowledged the data breach from XXXX XXXX XXXX. The impression I got was my bank was working for the scammers not the customers. I sure hope you can help me get my money back. I made a deposit a couple of months ago for {$12000.00}. That money was to help me while I was off of work. I was scheduled to have XXXX on my XXXX on XX/XX/2023. Of course I had to cancel my XXXX because I didnt have funds to help me during my recovery time. I have XXXX XXXX XXXX XXXX XXXX The sooner you can reclaim my {$3500.00} the sooner I can have my XXXX rescheduled. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: On XX/XX/2023, I called Bank of America ( BoA ) because I had unauthorized charges on my debit card. These charges were made to a XXXX account using my information to send a complete stranger money. I filed a fraud claim and was told that a decision would be made in the following months. Shortly after the incident I was credited the money that was taken from me ( about {$3000.00} ). I contacted the bank to see how long I should wait to use the credited funds, and they told me I could use it as soon as I wanted! Which I did. Now it is XX/XX/2023 and because BoA decided that those charges were authorized ( which they weren't! ) my account is now - {$2000.00} in the red. I have made countless attempts to get this decision reversed because I had to get this issue escalated to the FBI for further assistance. I was told the process would take time, but it doesn't seem fair to me to live off of a negative balance for the duration of the investigation!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47408
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I applied for XXXX and never knew that they sent 7 cards to me due to never receiving any. I have received one card and when I received a email from BofA prepaid edd. Stating call the claims department I did so and found out that someone had stolen all the funding given to me from pandemic edd. I have submitted all paperwork they have requested and still have not been reissued the money that they is due to me. I have repeatedly called and complained still no resolution. One of the claims is 62 days and no denial or acceptance has been reached. They say it takes 45 days now Im receiving the run around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92113
Submitted Via: Web
Date Sent: 2023-07-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A