Date Received: 2023-05-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was going to lease a house and wired a security deposit and first/last month rent to XXXX XXXX XXXX XXXX XXXX Bank of America account to a Chase Account. I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XX/XX/XXXX. I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XX/XX/XXXX and spoke to XXXX in the Check and Fraud Department and she told me that my case was closed and my funds were not recovered. Bank of America never sent me any notice or kept updated on the investigation. XXXX lost : {$11000.00} Claim Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Bank of America needs to be audited for fraudulent business practices. I was charged interest for purchases that I should have not have been charged for, which is in violation of my card 's terms and agreements as outlined on my statement as follows : " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date, and you had paid in full by the previous Payment Due Date. '' Upon contacting Bank of America, the representative stated I was charged interest on XX/XX/XXXX for my purchases on XX/XX/XXXX and XX/XX/XXXX for {$3000.00} and {$13.00}, respectively. This is clearly in violation of the above terms of my credit card. My XX/XX/XXXX statement was for {$1200.00}. Between XXXX XXXX XXXX I made {$4400.00} in payments on my account towards the previous and new charges, though the initial {$1200.00} in payments should have been applied towards the {$1200.00} statement balance. However, on XX/XX/XXXX, I was charged {$24.00} in interest for purchases, the breakdown of balances on this statement also shows illegal business practices as Bank of America did not apply my payments towards the highest APR followed by the soonest promotional rate expiring, rather it appears they applied my payments towards the promotional rate expiring the farthest time period away, which is also not ethical.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon reviewing my recent credit report, I noticed an inquiry from Bank Of America ( XX/XX/2022 ), which I neither initiated nor authorized. I consider such unauthorized actions a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). I hereby demand that you conduct a thorough investigation into this matter and subsequently provide me with all the requisite documentation proving that I authorized this inquiry. Failing which, I request that you immediately remove this inquiry from my credit report. If you do not comply with this request or if the investigation results are not to my satisfaction, I must inform you that I will be left with no other choice but to seek legal advice. I am prepared to exercise my legal rights under the FCRA to the fullest extent to protect my credit history. Please understand that my credit score is of paramount importance to me and I will not tolerate any unauthorized actions that may negatively impact it. I expect this issue to be resolved promptly and professionally. I appreciate your immediate attention to this matter and look forward to your response within 15 days, as is my right under the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43081
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened an account with Bank Of America with a promise that my account would be free, as a student. After furnishing the required information, the bank charged me a maintenance fee. I mentioned the fee to a teller who was unwilling to help. I then asked to withdraw my funds and the teller refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is the second time I have submitted a complaint through cfpb, the first time Bank of America agreed to respond and never did on XX/XX/22 and a stranger company made a transaction from my account to another account that I don't know whose it is for the total of XXXX XXXX dollars and since then I have been talking to the bank of america to give me my money back but they do not want to give me back the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I filed a complaint with Bank of America telling them that there was money stolen from me from my ex. I told them that I had known out of the car being activated and I didn't. I didn't receive the card. They deny my claim saying that the card was sent to my address and activated with my information. I don't deny this but I deny that it was me who did it. I think the police reports in the statement explaining to them that I was going through a XXXX XXXXXXXX relationship from the person I was with for 5 years and found out that he had been stealing from me the whole time and that he is the one who intercepted the card and activated it with my information and spend it. They denied it. I had a reconsidered this time I send policy supports and it's everyone mistake man telling them that here 's my proof of what I'm saying. They denied it again with the same reason because of his activated and came to my address that it had to be me or I had to have gave someone permission to do it and both of those are not true. So I'm trying to get help with it because that I had to reconsider for the third time but it let me to believe that when I sent the information in for the reconsideration that it was overlooked or not looked at because you denied it for the same exact reason. I sent you proof and telling you why it seems that what I did it but I don't think that might statement was red or my police reports were considered because how could you get that if I'm telling you that the guy iXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and here cost to proof I had to messed up all this issues and may police reports about loss of property fraud things that he were stealing from me when I found out about that the stuff. So how could you not take that into consideration when I'm showing you a black and white? Here 's the proof of it. I also have two different protective orders from two different cities from two different judges for the same person I sent copies. One is from XXXX XXXX. The other is from XXXX XXXX XXXX. They were giving on the XX/XX/XXXX and XX/XX/XXXX of this year. Stating that they feel I need protection from him. Same person. Two different cities. Two different judges. Same outcome.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2023-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: From XXXXXXXX XXXX at Bank of America I was allowed to transfer at a teller counter {$160000.00} in 5 separate transactions into another Bank of America customers XXXX XXXX XXXX XXXX account that the bank was already watching and was suspecting fraudulent activities ... Bank of America shortly after that suddenly closed XXXX XXXX accounts and band him from being a customer. This man stole {$160000.00} from me in an illegal ponzi type scheme and the bank knew full well that this account was suspicious and they should have never allowed me to transfer this money due to the fact they were already watching it for fraud/illegal activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91301
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Respected sir/madam, I have a checking account XXXX in Bank of America XXXX XXXX XXXX XXXX for XXXX XXXX XXXX decade. As such I had applied for new credit card with XXXX interest rate for a fixed time so that I could payoff my other high interest bearing credit cards. After I got the credit card the credit card department with the help of fraud prevention have blocked the card and it was because they expected wrong use of my credit card because of some " phishing ''. So I was asked to visit the branch with my ID and clear the hold in my credit card.I went to the XXXX the branch relationship XXXX XXXX XXXX XXXX XXXX branch, XXXX, XXXX XXXX. She connected me with the fraud department official and after reviewing my documents with the branch staff, the fraud prevention official cleared the hold on my card. After that I called the customer care and initiated the balance transfer that I planned. After a few days I got a message that my balance transfer has not been processed. As such I called the XXXX XXXX XXXX and enquired about my transaction which was declined. As I good account holder of the bank, I was given the credit card ( ending with XXXX ) but this strange card blocking shocked me and further the XXXX XXXX XXXX is asking me to go to the branch again with my ID and redo the same meeting all over again. I explained that I was having some health issues as I am now a senior citizen ( XXXX ) and XXXX unable to freely go to the branch, but the official did not seem to understand if she wanted to really help a new credit card customer. I am sure this repeated meetings to clear the same issue is not secure for me. Please check this matter as to why I have to repeat any action for the same issue XXXX even commented that if this issue kept recurring I will have to relocate to live inside the branch itself. Please help! I am feeling helpless and trying to reach out for more and more help I can submit more details if needed. Thanking you, yours faithfully, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Hi! My account was closed without warning and I have since been unable to redeem the XXXX points that are still listed on the account. These points are worth {$740.00} in cash that I should be able to redeem with a direct deposit when the account was facing closure and I was not given the option. Now I can log in and see them but not redeem them. I have tried to reach out over the years and have been stonewalled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have been having problems with my credit card payments with Bank of America. Each time I try to make payment I either have to call to resolve the problem. The system of the bank does not have auto pay cancelllation through online and so I had to call to cancel it. But still didn't solve the problem and they took out money twice for each card for one billing month. So I requested for refund for one each payment. In the meantime, since it takes 2 billing cycle to refund it back to me, I had to make the next month bill. So I made an arrangement for each card making sure it is not past due and more than minimum amount due. Since I always had problems each months I had to check through online every day, if my payment I s correctly made. And again, it says " your payment is past due, please call ''. So I called to BOA to resolve it and find out why I am keep going through this problem. I even spoke with the supervisor on XX/XX/XXXX on the due date to resolve - why my payment didn't go through. ( I even checked with my own bank to make sure they didn't have any problem- which they didn't ) The supervisor told me that the prior agent mistaken wrote the wrong bank account number so he apologized and said he took care of it so I don't have to worry about. So I thought it was resolved. But today, a week later, checked BOA account online and saw the payment still wasn't made. I made sure that the supervisor had the right account number and routing number. And called my bank to see if there is any problem on the system, and they didn't. So I called again to BOA and it automatically put me on the collection department of BOA, and the supervisor told me that I didn't make the payment so it is my responsibility for the payments. I explained the whole story and she didn't even want to listen to me and yelled at me saying " ma'am I don't care I dont see the notes saying thay I made a phone call last week to try to make a payment or resolve this issue ( yes of course at this point I was so upset I had to yell at her too ). My interest rate is going higher each month due to the whole issue ( late fees and interest rates added ). It is not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20120
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A