Date Received: 2023-06-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: For past years, Bank of America - Bank has charged a " Check Image fee ''. It seemed to be only kicking in once a year. I would call in and they would refund the fee and promise that they would fix it. It usually was just a once a year issue, but now it is EVERY MONTH issue ( Even after calling in every month to have it removed ). In XXXX, XXXX, XXXX, XXXX and XXXX- it kept happening. I would call in and they would fix the problem and refund the fees. In XXXX, I reached out to the CEOs office about this- with some investigation I was ASSURED IT WOULD NEVER HAPPEN AGAIN! There was a full depth analysis of this from that office. Well on XX/XX/XXXX - It happened again. I was assured in XX/XX/XXXX ( Don't have exact dates on conversation ), but they refunded me. I tried calling the bank tonight ( the male rep at XXXX disconnected the call ). I called back and I accidently hung up on the rep. I never authorized for this check image fee to be on my statement. We went through the settings in my profile and on the website. The fee is only {$3.00} per month, but still! The bank needs to take corrective action on making sure that I am not getting charged for this fee. For me to keep calling into the bank costs TIME = $ $ $ as a small business. This is about the 10th call in attempting for this to be fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I drove from my home to the Bank of America in XXXX XXXX, Minnesota to retrieve my military pension in the amount of {$2600.00} and my VA XXXX pay in the amount of {$3500.00} and consolidate with other benefits to pay for my mortgage payment for my house in XXXX, Minnesota and I was told that my funds with the bank were closed and they would not give a reason why the accounts were closed. It has cost me {$50.00} dollars in fuel costs to get to the banks using my bank card from another bank. I would like a reason why they closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-06-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Nothing was done by customer service .and money was there and gone the next day .I believe I did not receive 8 months worth of unemployment total in XXXX dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85713
Submitted Via: Web
Date Sent: 2023-06-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: I called the Bank of America visa activation number on Wednesday, XX/XX/2023. I called the number that is on the sticker on the credit card I just received through mail. They immediately mocked my accent and so discriminated me because of my national origin. They refused to activate my card. Then they told me that if I want the card then I must physically go to a nearest bank site that is XXXX miles away, this was very cavalier and discriminatory. I am near XXXX that is the XXXX XXXX Idaho but they said I must physically go to XXXX XXXX in XXXX Idaho that is XXXX miles from XXXX. They did not wanted to give me credit so they send me to XXXX XXXX. I made XXXX phone calls to them but they continued to mock my accent and repeated that I must go to XXXX XXXX. My civil rights were violated. I was discriminated in access to credit because of my national origin, race, XXXX and age
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83634
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I sold my RV to XXXX XXXX XXXX for {$48000.00} in last XXXX, and put the check into Bank of America ATM in XXXX. I accidentally use a wrong credit card which was closed by the bank. after I got home I noticed that and then I call Bank of America about the issue, an agent told me that she will transfer the money to my checking account and it will take 10 business days. After 10 days I didn't receive the money, I call the bank again and an agent said it will take more 10 days bc the credit card I used was closed. I wait more 10 days but no money received. I called more time that an agent said the money was sent back to XXXX XXXX, I call XXXX XXXX XXXX store where I sold my RV, and they said no check was returned and the check has been cash out! I was shocked and called the bank again, and an agent said she will send the check to me, and I wait for around 20 days, never happened! Finally I got a letter from the bank, it said the check was sent to a checking account, and I checked the account number, it is not my account number. later on I got a call from XXXX XXXX XXXX store, they finally found the check in XXXX XXXX XXXX store!!! Bank of America has done a horrible job. I called them over XXXX times to ask where is my money and every time I got different answer. Bank of America sent my {$48000.00} back the PAYER and not even give me a notification!!! Those money is our all saving. During the 2 months we have no money in our account, and we have to borrow money from several people and paid them interests to keep our life going! I filled a complain against bank of America, and I demand a 10 % interest for the total amount of my saving. A bank of America agent gave me a call. He was very ruled, and he blames me to send the money to a wrong credit card. and rejected my demand. and closed my phone when I was talking to him. later on I sent him a email to ask phone record but he no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97140
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-02
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: Bank of America has NOT responded to countless attempts to resolve a fraud dispute. Bank of America should protect me from fraud, and not only are they upholding fraud against me, they have NOT responded to me from day one. I have records to prove it inclduing social media correspondence of me pleading to get Bank of America, just to take my call or answer my questions. They completed ignored me. I initially filed fraud claims with Bank of America Visa Credit Card in XXXX of XXXX. I provided them with the full history and detailed explanation of what happened with All in One Moving and Countrywide Relocations in writing and via phone. I received little no information from Bank of America, regarding everything from the correct amount owed on payments every month, to the status of my claims and could not get clear and concise information from Bank of America at any point. I repeatedly tried via phone, email, fax, and social media along with claims filed with the Consumer Financial Protection Bureau. Claims at no point despite countless attempts to contact them regarding these issues, returned my calls or attempted to clarify anything. I was assigned a Resolution XXXX, XXXX XXXX, who had promised me from day XXXX that she would contact me with her direct email, phone number but failed to do so. XXXX failed to update, reply to messages, answer calls or provide updates since XXXX. On the rare occasions I did speak to her she would say, she will follow up with me but would not. When I spoke to XXXX in XXXX she said she would contact her boss and the claims department and call me back everyday to give an update but did not do so. Even XXXX, on a recorded line, had admitted to me that she didnt understand what the claims department needed from me/ asked of me and would get me the info, but she failed to follow up. Bank of America is denying the claim, based on a technicality of time NOT anything substantial. I have been a customer with Bank of America for XXXX years and I am a stockholder and have never experienced treatment and/or service from them like this. I have asked for XXXX to put her boss in contact with me and the head of their claims department and she's ignored requests. XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX ext. XXXX Case # XXXX I was defrauded by All and One Moving and Storage for {$8000.00}, which is NOT a valid business and was shutdown by the state of New Jersey and is NOT authorized to operate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48009
Submitted Via: Web
Date Sent: 2023-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter from the Bank of America on XXXX that they decided to close my business account. I called the phone number on the notice to find out why. They refused to provide the reason for closing and said the decision was final. I asked about the time frame when I can receive the XXXX balance I have on my account, and they didn't provide it. On XXXX, I went to the local branch on XXXX XXXX XXXX in XXXX, GA. They told me that there was nothing they could do besides calling me the number on the notice, so we did call and received the same answer : we decided to close your account and didn't provide any answers why. I asked about the time frame when I can expect my money back, and I was told around XX/XX/XXXX after close will be finalized. Im a single mom of XXXX kids and I depend on my money to feed my family. I think this timeframe is unreasonable long to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Someone was able to get my phone and retrieve all my personal information. They then opened fraudulent accounts in my name and other names in other states. They also transferred {$19000.00} from one of the fraudulent accounts to my main checking account then dispersed all the funds via XXXX XXXX XXXX XXXX and XXXX. They then somehow reported the {$19000.00} deposit and reversed it. This left my bank account negative {$19000.00}. We have a police report. We reported identity theft to the Federal Trade Commission and have placed a hold at all credit agencies. We've first contacted Bank of America on XX/XX/XXXX. They told us to let the pending charges sit and they will eventually fall off. They never fell off, so we reported a fraudulent claim with Bank of America. There were three claims opened. Claim # XXXX and # XXXX and # XXXX. Claim XXXX and # XXXX were for accounts opened in my name and the name of XXXX XXXX Mowatt and XXXX XXXX XXXX. The {$19000.00} was originally transferred from the account in the name of XXXX XXXX XXXX. After a denial on both claims, we requested a reconsideration and Bank of America approve the claims. Both accounts are now closed with Bank of America. Claim # XXXX is for transfers from my main checking account via XXXX XXXX XXXXXXXX and XXXXXXXX XXXX for {$10000.00}, {$2500.00}, {$2500.00}, {$1000.00} and {$3300.00}. I did not authorize these transfers, nor did I have any knowledge of this happening until I checked my bank account online. Bank of America has denied this claim 3 times. The second time it was denied, they said it was because it wasn't reported timely. We sent them copies of phone records from XXXX XXXX XXXX showing long phone calls multiple times a day beginning on XX/XX/XXXX. Our last conversation was with Bank of America on XX/XX/XXXX and they informed us the claims have been denied and the information has been reported to XXXX and we are responsible for paying the money back. We did not authorize these charges and we feel we should not be responsible for this. Please see all the attachments as I have page numbered the order and wrote notes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This complaint is regarding loan number XXXX. The account is current. Payments were made on XX/XX/XXXX of {$500.00}, XX/XX/XXXX of {$500.00}, and XX/XX/XXXX of {$750.00}. These amounts are more than the monthly loan note of {$450.00}. Bank XXXX XXXX ( BOA ) in the XXXX century eliminated any electronic method of annotating additional principal payments when paying via consumers personal ( non-BOA ) bill pay, or through their own mobile or website. So, withholding this application, BOA has taken it upon themselves to apply payments as they see fit ( or whatever means is the best revenue generating for their company ). Thus, they have inappropriately applied these payments by not reducing the principal balance, but by applying towards the next monthly payment. These actions have been submitted to BOA via their message service, however, their CSR are unable/unwilling to make the necessary adjustments that shouldve been applied initially. Their suggestion is to call, mail, or take it to a BOA location. This is the 21st century, customers shouldnt have to leave their house to have their payments applied appropriately. Every other financial institution does business this way ( applying over payments to principal balance ), this seems like a shady business practice where BOA is trying to take advantage of unknowing customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am filing a complaint against Bank of America due to a Freeze on My Business, Personal, and Saving accounts at BOA. I have never had any issues with payments from XXXX XXXX XXXX XXXX. I reached out to XXXX XXXX XXXX XXXX and was told the account payment was in FACT FREE and CLEAR. The hold on my account was issued by BOA not XXXX XXXX XXXX XXXX. I feel like this is racially motivated and biased against my business XXXX -OWNED. I have a payment on hold for XXXX deposits {$70000.00} + {$45000.00} I received a letter dated XX/XX/2023 Claim XXXX. MY CHECKING ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2023-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A