Date Received: 2023-06-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to a local bank of america on XX/XX/XXXX and deposited a check inside at XXXX XXXX for {$30000.00}. I was told they were putting a hold on the check. On the deposit slip they gave me it said {$5300.00} would be available on XX/XX/XXXX by XXXX and {$24000.00} would be available on XX/XX/XXXX by XXXX. I received an email on XX/XX/XXXX at XXXXXXXX XXXX stating they were putting an additional hold on the check and I would not receive any of the funds until XX/XX/XXXX. The reason it stated was " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' I tried calling multiple times over the weekend on XX/XX/XXXX and XX/XX/XXXX and no one could give me any information on it. I scheduled an appointment at the Bank of America branch where I deposited the check on XX/XX/XXXX at XXXXXXXX XXXX. I spoke with branch employee XXXX. She made some calls and still couldn't tell me any information, she eventually was able to see fraud placed a hold on the check but thats all she could tell me and she couldn't help me anymore. I called BOA on XX/XX/XXXX at XXXXXXXX XXXX and spoke with the fraud department. They told me they were going to transfer me to someone that could help me and the call hung up. This call lasted 22 minutes. I called back on XX/XX/XXXX XXXX XXXX and was transferred to the fraud detection department. She could see fraud did place a hold on the check because they needed to verify it. She told me she would put an expedite on the check. I regularly deposit checks of this amount multiple times a year. The check is from XXXX XXXX who I've deposited from multiple times in the past. The check is from my father who has the same last name as me and also has a Bank of America account. I need this check to pay my bills and I'm unable to pay them because of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2023-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My wallet was stolen at XXXX in XXXX mall my Id card and paper with pin that Bank of America sent me was stolen and my card was charged for {$2300.00} at XXXX in XXXX ga I disputed this and cancelled my card immediately Bank of America denied my dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: B of A states in writing that they verified funds were transferred to an account under my name ( XXXX XXXX XXXX to XXXX however, the statement from ( B of A ) XX/XX/XXXX reflects that there was a charge for XXXX for XXXX. I have reached out to the only citi credit and there have been no record of balance transfers received for the month of XXXX, XXXX or XX/XX/XXXX. I have reached out to XXXX and they have no account under my name or social security. I have filed a police report that is working on a warrant for XXXX which again is the description for the XXXX balance transfer appearing on my B of A credit card statement on XX/XX/XXXX NOT XXXX as B of A claims on a written response I obtained from a complaint filed. I am the victim of fraud and have reached out to the B of A fraud department over and over always reaching the same conclusion since XXXX XXXX XX/XX/XXXX. I will not pay money I dont owe and I will continue to dispute this information until someone does their job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90606
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX Friday shortly after Bank of America opened ( XXXX XXXX XXXX, XXXX XXXX, OH XXXX ) I entered and proceeded to be ushered to the teller to make it withdrawal that I make normally around Ohio with the same basic procedure. I realize the Bank of America employees dressed very well in contrast to myself that dress very modestly. I could tell this made her feel uncomfortable, And or thought that I was out of place. I confirmed my identity by providing my photo ID at that point the teller texted me a code to my phone in order to confirm who I was by signing into my online account which her computer would confirm the success a regular procedure that usually occurs. To teller also asked me my social security number in which I provided off the top of my head without going into my wallet. The teller to ask me a few more questions to confirm and then she also couldn't accept any of the information I gave her and after trying very hard I was unsuccessful in making a transaction as I walked away after explaining to the teller that I can still make transactions online pay bills move money around but I just need to get money to fix my car she laughed and her coworker the XXXX XXXX XXXX XXXX I believe said that's not funny and I didn't realize what that meant until I went to a bank which I knew was more familiar with me from pass withdrawals and this teller froze my account beyond any freezing I have ever been frozen before and after identifying myself to the extent that I did and her not accepting that this was my identity I realize that this was discrimination
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10003
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 when making payments
Subissue: Problem during payment process
Consumer Complaint: My closing date for my billing cycle at Bank of America is on the XXXX of every month. I made the payment on the XXXX of XXXX and the payment has not been reflected on my account, as of XX/XX/XXXX. I also made a payment transaction on the XXXX of XXXX. I was told by a representative that it would be reflected as a transaction on my XXXX statement, however it did not reflect on my XXXX statement as a payment payment until XX/XX/XXXX, which is the next billing cycle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90746
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I lost my debit card I contacted Bank of America within several hours. My card was used at the ATM for {$1000.00} and than used twice at XXXX for {$400.00} cash and some groceries. Than this couple went to XXXX and again got {$200.00} and groceries and than spent {$27.00} at XXXX. I went to XXXX to view the couple on photos and the XXXX police were contacted and wrote a report. Bank of America claims that I was involved or allowed this person to use my card. I returned to XXXX XXXX to request viewing their photos of me that day. I would be contacted when the photos were located. The police officer was also there requesting the photos claiming the photos might show this same couple right behind me observing my PIN number being entered. Something BofA didnt do in their investigation. I believe I lost my card at the market
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93422
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: 2023-06-05
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: BK OF AMER XXXX This account is inaccurate and incomplete and still appears on my credit report. No account number. Inaccurate Date of Last Active, and if this is a charge-off account then why there is a balance reported on this account? I have previously filed numerous disputes against this account, yet it still indicates that the account is not disputed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Closed accounts with Bank Of America on XX/XX/2013. The accounts are more than XXXX years old. BOA is reporting incorrect closing date, phone number and address to XXXX XXXX XXXX. I've called BOA customer service on several occasions in attempt to correct the information but it has yet to be resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I made an internal transfer by mistake from my Bank of America account to another account of the same bank. I reported it since I found out about the error and they told me that they would resolve it in 10 business days. If it was a direct transfer, there was no problem. 15 days passed. I called and they told me that they closed the case without any response and reopened the case and they tell me that 45 business days while the person who has the money in the account can spend it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have a Bank of America Credit Card with a balance of {$2500.00} and a monthly payment of {$89.00}. I have had to call 4 times in the past 4 months because of higher interest fees being charged. For example, I have been making at least two payments each month which equals to more than twice of my payment. In XX/XX/2023 I made a payment of {$250.00}, then another payment of {$100.00}, both in the same month. When I received my statement the {$250.00} payment was not acknowledged, I had to call and then I was told by the clerk that yes, he is seeing the payment but he thinks the previous clerk made a mistake and he would correct it, then in XX/XX/2023, I made a {$100.00} on the XXXX and on the XXXX I made another {$100.00} payment, yet I checked my account today and was charged {$63.00} in interest. I had to call again, the first clerk that responded to my call indicated to that she does not know why I was charged interest for 2 months when I paid over the above required payment and that the payments were made on time and before the due date. She then said that she could not refunded me the extra interest charge immediately but will contact a supervisor. The Supervisor came on the phone after 25 minutes and said to me that as long as I do not pay the loan in full, they will continue to charge me the high interest even if I am paying more than the required amount and on time. I explained to her ( XXXX ) that I was frustrated that I was being taken advantage of and was going to contact your office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A