Date Received: 2023-05-30
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XX/XX/XXXX - Received a phone call from BofA EDD Fraudulent line that there is suspicious activity on my BofA EDD Prepaid card. I was in XXXX and tried to pull money out of the card but I was denied. I called them after our family vacation. When I looked online discovered 1 fraudulent charge on XX/XX/XXXX for {$10.00} that was not mine, and 3 of my unemployment payments were transferred into a checking/savings account that was not mine, causing my balance on the card to be {$0.00}. I also noticed that my email, phone number and security questions were changed. This person stole my money and was able to get into my online account at least 3 more times after my first call to BofA to report the fraudulent charge and missing money. Fraudulent charges and transfers : XX/XX/XXXX XXXX XXXX XXXX, Georgia XXXX XXXX, ref # XXXX, {$10.00} XX/XX/XXXX Transfer to an checking/savings account {$810.00} XX/XX/XXXX Transfer to an checking/savings account {$810.00} XX/XX/XXXX Transfer to an checking/savings account {$220.00} XX/XX/XXXX Transfer to an checking/savings account {$810.00} I have persons phone numbers : XXXX ( on XX/XX/XXXX ) XXXX ( on XX/XX/XXXX ) XXXX ( on XX/XX/XXXX ) The email they were using is XXXX BofA did refund me my money. I pulled it out right away and asked both BofA and EDD to close my prepaid card. Both told me they could not close the account and that the other agency had to do it, so I need someone to close the account. In the meantime, BofA has cancelled the pre-paid card, and EDD is mailing me checks instead. But on XX/XX/XXXX I received another email stating that my profile information was changed again, and was done through a BofA agent, which would be by phone. I called BofA and told them about this. I spoke with XXXX at XXXX. She changed the email and phone number back to my correct information. I changed my password and security questions. I asked them never to change my email and phone numbers again. If someone is asking, then they are fraudulent changes, and to notify me. Unfortunately, they successfully changed my information again 2 more times. XX/XX/XXXX I filed a fraud/ID Theft report to EDD online, case # XXXX. XX/XX/XXXX I went to BofA Branch and had them look to see if they had an account open with my SSN. one was found. I pulled out my latest payment of {$810.00}. I called EDD to switch to checks and close the BofA prepaid debit card. XX/XX/XXXX I received a call from BofA Agent who had the perpetrator on the other line trying to change my information again. Thank goodness she called me to confirm my information, and stopped them from accessing my account again. Finally, someone took action to stop this cycle. I filed another report and a complaint with XXXX at card holder services and XXXX with web support, and XXXX at the XXXX department. XX/XX/XXXX - Filed a report with FTC.gov but then was transferred to Consumer Financial Protection Bureau since it involved a BofA EDD Debit card. I am also going to reporting ID Theft with the 3 credit bureaus and with SSA. If you want my BofA statements and screenshots of the profile info with the perpetrator 's phone number, I can provide it to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95037
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My identity was stolen. I was alerted by 2 credit monitoring places of hard inquiries on my credit report. I found 3 fraudulent credit card applications. I have reported my identity theft to FTC and am following the recovery plan FTC has given me. Bank of America and XXXX XXXX are both refusing to give me any written confirmation that they are doing anything. They flat out refuse to send me anything in writing. Both companies will only verbally say they will do their own investigation and if they decide it was fraud they will cancel the application and their investigation will take 60 to 90 days and then they will still not supply any written confirmation of anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17403
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: In XXXX of 2018 Bank of America charged my XXXX account with fraudulent charges. Due to this I have not been able to open a bank account for years and cant save money efficiently. I tried to explain I was lied to and was unaware of the fraudulent activities on my account. I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I Have been a victim I have had someone use my identity with different names, addresses and information. I need this to be investigated and fix immediately XXXX Date of inquiry:XXXX2022 XXXX XXXX Date of inquiry:XXXX2022 BK OF AMER Date of inquiryXXXX2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
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: My laptop and business checks were stolen XX/XX/XXXX. Contacted BofA. They were very helpful in opening new accounts and transferring funds immediately. However, they told me that they could not close the compromised accounts until they had zero activity for six months. I have attempted numerous times since XXXX of XXXX to have the accounts closed, and was told to submit the request in writing. I submitted that written request for final closure of the accounts on XX/XX/XXXX. BofA 's failure to close these accounts has resulted in very large and ongoing analysis fees in accounts that should be closed. Additionally, on XX/XX/XXXX, a fraudulent check was presented to one of the new accounts. The caused me to open yet another account. After several attempts to close the fraud-compromised account, I finally reached a human on the telephone and was assured this account was frozen ( not closed ). Since that time, three checks have been accepted and then returned. This is not acceptable. It adds tremendous bookkeeping costs to my business, and keeps my accounts vulnerable to additional fraud. Please close these accounts immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, Whom it May Concern, In late XXXX I called Bank or America and i was told BOA was not aware my father passed. I would assume BOA received the death certificate sometime in late XXXX and processed it then? When did Bank of America receive the death certificate for my father, XXXX XXXX? What happened to my fathers accounts after BOA received notice? Was there a will? What were the contents of my fathera safe deposit box? My father said he had a will, if he did it would be in the safe deposit box. I am a victim of identity theft. I am requesting that you provide me copies of business records relating to my mother XXXX XXXX and my deceased father 's financial accounts including 401k, retirement account, checking, savings, CDs, Money Market, but not limited too the accounts listed. This is essential information that is needed to resolve my Identity theft. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Please provide all records relating to my mother and father, XXXX XXXX account ( s ) held with BOA, including but not limited too : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Beneficiaries/PODs Emails on file Deposits/Withdrawal slips Rollovers Opening and closing documents Financial or banking accounts linked All Transactions and statements, When, How, Who, and method of last transaction/withdrawal method Any other documents or transactions associated with the account Please send these records to me at the above address on file with the CFPB. If you have any questions concerning this request, please contact me at the above address or email me at XXXX Sincerely, XXXX XXXX Enclosed with this request is the following documentation, as applicable : 1. Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and 2. Proof of my claim of identity theft : o A copy of the police report about my identity theft ; with emails attached.The original has several hundred pages of emails attached. o Fair Credit Reporting Act Section 609 ( e ) [ PDF ] A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft 3. XXXX XXXX document dated XXXX XX/XX/XXXX. This shows fraud since my father passed on XX/XX/XXXX so how can he make changes to his account online? 4. Death Certificate 5. Judgement issued and dismissed for evidence of fraud and forgery ( XXXX more currently pending with the CFPB and XXXX XXXX ) - I have not filed a fraud claim with BOA yet bc i dont have all the information that i need to accurately complete the fraud claim. If BOA would like me to fill it out with what i have now, please send a hard copy in the mail or email it to me. I do have fraud in my accounts that i had with BOA before it was acquired by XXXX XXXX in XX/XX/XXXX, but the full extent is still u known until I receive and review my deceased fathers accounts as the source if the money/fraud came from my father that i had no knowledge of and this is why i never noticed any $ missing. I am also including my mother and I information which may help locate the records. If you need any more information for my father to help find the records or accounts, please contact the CFPB and I will respond as I would like any communication moving forward kept on file and recorded. You can also email me at XXXX and then I will reply as soon as I can. XXXX XXXX Ss # XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX at XXXXXXXX XXXX XXXXXXXX Mother : XXXX XXXX SS # XXXX DOB XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Requestor/Son : XXXX XXXX SS # XXXX XXXX XXXX DOB XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55318
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presumed that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hi, Ive been a victim of fraud for {$50000.00} which was stolen from my Bank Of America via ACH Transaction with the amount of {$10000.00} and {$40000.00} on XX/XX/22. The bank denied my claim and closed my account. The name of the bank is Bank of America and the bank that my money was sent to is XXXX. This is now affecting me from opening a new bank account. I've tried multiple times with Bank Of America to resolve this matter with no luck. In addition, I went to XXXX bank to resolve this matter and they said the account was made online and transferred. This is already a red flag as I thought you can't just open an account online and transfer such large amounts right away via ACH Transfer. There's no proof that I even opened an account with XXXX since the IP address they're showing in the denial letter for is different from the IP address that I use at my house. Please help me resolve this matter as the bank is continuously denying my claim with no proper proof and I'm out of luck. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11417
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no knowledge of this inquiry, please remove it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Someone use my information and identity to make some purchases with My edd prepaid card. It was a total of 3 transaction. All 3 for the same Merchant. When I notice I immediately reported to bank of america and they open a claim. After a long time they aprove and reimbursed me for XXXX of the XXXX transactions and I've been waiting for over 5 months and I haven't get any response or updates about the other XXXX transactions. Every time they told me that it's still under investigation. But they keep telling me that they have 45 days to resolve and it's been more than 45 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95112
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A