Date Received: 2023-05-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: on XX/XX/2023 someone XXXX {$3400.00} to XXXX ( I dont Know this person ) trough my account, when I realized that someone it was stealing money for my account I went straight to Bank of America in XXXX XXXX , asking the bank of America manager to stop the transaction, but they said i had to call XXXX , I called in front of the Bank of America manager, and they said that they wouldn't promise anything, so the put my bank account under investigation for XXXX week, so I couldn't get money or anything for XXXX weeks, after the XXXX weeks they call me saying that they would give my money back, now I have - {$1500.00} dollars in my account and the bank asking me now to pay the overdraw, I need someone to help me to get my money back. I asked the bank about the documents of the investigation they promised to send to me but they never did it XXXX more thing the email they used to do the trasactions its not mine my email is XXXX, they used XXXX it means the bank has some issues with emails Im begging here for help, the money they stole for my account it was my rent that ti me! thank you and I hope I will get money back My name is XXXX XXXX my cellphone is ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2023 : A online wire transfer was initiated in the amount of {$9500.00} from the Bank of America website from our small business XXXX account, to our charity recipient in XXXX. There had been 30 successful online wire transfers to this recipient before from Bank of America. XX/XX/2023 : The wire transfer failed this time and the money was returned to our Bank of America account. This appears to have been a glitch in the XXXX banking system that the recipient is a part of. The recipient was made inactive in the Bank of America website due to this. *Issue* : We can't reactivate/delete this recipient, to reattempt the wire transfer again. We have contacted Bank of America multiple times since the wire was returned in an effort to reactivate/delete/readd the recipient but no one at Bank of America seems to have a clue on how to fix this. The various Bank of America departments that we are shuttled across every time we call are " Online Banking '', " Business Banking '', " Wire Transfer '' - and despite numerous calls & online chats with Bank of America representatives - they just keep transferring the calls to another department. We have been going in circles for over 6 weeks now, including 2 calls done today, XX/XX/2023. Please help in escalating this to the right levels in Bank of America to resolve this issue so we can send another wire to this recipient - otherwise we will have to look for Banking services elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91789
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I created a 2nd checking account with Bank of America some months back to allocate funds for vacation. I had planned on ordering and using a debit card for this account for use while my wife and I were out of the country, on a cruise. About 2 weeks before our trip ( XX/XX/XXXX ), Bank of America sent me an email informing me " bill pay '' had been disabled for this account. No ther explanation at that time. In preparation for the cruise, I discovered DEBIT cards weren't accepted as a card on file, so I planned to just use my BOA CREDIT card and transfer funds from the checking account in question to cover the balance when we returned home. When we returned home, I attempted to transfer the funds and was denied. It is at this point I discovered my checking account was " under review ''. It has been 15 business days now and my funds are still frozen. I have now incurred interest on my credit card balance I would have otherwise been able to pay off completely had this " review '' not taken place. I had exactly {$2000.00} in this account for vacation. The bank still deducted a {$4.00} maintenance fee after XX/XX/XXXX, although I can not pay my own bills with this money I've been saving for MONTHS. This was HIGHLY disruptive to our plans, and there has been no resolution despite multiple attempts and calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37716
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was supposed to buy a vehicle from a dealer then we didnt reach an agreement regarding availability of vehicles and price The sales rep they were hiding the car that I wanted and tried to sell me different that I didnt like So I texted the sales rep and told them to not run my credit report anymore. But they kept doing it until they get me declined with my own bank whenever Ive found the best deal Now am getting denied everywhere because I have too many inquiries So I couldnt buy the vehicle that I wanted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I called Bank of America XX/XX/XXXX ( XXXX ) XXXX to enquire about how far back the bank would honor checks. I was told the bank would only honor checks written 6 months back from the date of issuing. On XX/XX/XXXX, XXXX, the bank contacted me via e-mail notifying me with regard to suspicious activity concerning a check dated XX/XX/XXXX, asking me to corroborate if I recognized it. The e-mail stated that I had until XX/XX/XXXX, XXXX ET to respond to the query. I chose to not respond at the time and to attend personally to the bank to attest to the situation the morning after. On XX/XX/XXXX, around XXXX PT, I went personally to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ) to ask for a stop payment on checks written prior to XX/XX/XXXX. As I accessed my account, the bank notified me that a series of checks dating back to XX/XX/XXXX had been cashed out from my account. I spoke to the location manager at the facility and was transferred to speak with the checks claims department, who told me that despite the misinformation the funds would not be reimbursed. The total deposited amount for the checks cashed was USD. XXXX ( XXXX XXXX XXXX and XXXX XXXX and XXXX dollars ). I told the manager that I had been told no checks dating back to six months would be honor, and was notified of suspicious activity regarding a check the day prior giving me until XXXX ET XX/XX/XXXX to answer. The bank refused to acknowledge their liability for honoring these checks, despite being told they would not honor checks prior to six months prior, and despite being told in e-mail that I had until XXXX XX/XX/XXXX to review the case. I am attaching a pdf including the cleared check transactions that have taken place for the stated amount, all of which are numbered and for the amounts of USD. XXXX / XXXX. I am also attaching the email from the bank stating I had until XX/XX/XXXX XXXX ET to acknowledge the activity for the check in question.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90024
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
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 and one XXXX were stolen on XX/XX/XXXX in XXXX XXXX. Within one hour, the incident was reported to the XXXX XXXX Police Department. As I was filing a police report, I received XXXX notifications indicating that the stolen card ( ending XXXX ) had two transactions from XXXX ( {$3600.00} each ). Report stolen and unauthorized transactions to BOA immediately. File claim XXXX. XX/XX/XXXX - BOA denied the claim, stating that the merchant provided documentation confirming receipt of the merchandise. Continually contacted BOA to request documentation and reopen the claim. Furthermore, I called the XXXX XXXX Police Department and spoke with XXXX XXXX, who advised me to file an ID theft report through IdentityTheft.gov since the theft appears to have obtained my identity information. Having not received the requested documentation for months, I called BOA repeatedly in XXXX and XXXX to request it. XX/XX/XXXX - Received mail from BOA and contacted them to provide solid evidence of unauthorized activity. The fax number XXXX was given to me and stated that it was the only way to send my response. I prepared a statement of myself, including a police report and ID theft report with the following evidence : XXXX ). The merchant provided an IP address of XXXX, but the only IP addresses associated with me are XXXX and XXXX ; XXXX ). XXXX has discontinued the email address by XX/XX/XXXX ; XXXX ). I don't recognize the foreign language the merchant used in communication with their customers ; XXXX ). The merchant stated that the transaction was for a XXXX game. According to research, 99 % of XXXX games must be downloaded when the user is physically in XXXX. I've not traveled outside the XXXX for 10 years. XXXX ). A signed handwritten form with my driver 's license and credit card in a photo. It is easy to do so for anyone who steals my wallet. However, the handwriting is not mine. I provided my signature and also handwritten to BOA against the transactions. BOA should have my signature on file, but lacks the responsibility to verify it ; XXXX ). Not to mention the thief signed as XXXX, which I never used. I've faxed all the above documents to the BOA fax number more than XXXX times. XX/XX/XXXX - I filed a complaint through CFPB ( XXXX ) against BOA. XX/XX/XXXX - got a phone call from BOA saying denial of my claim based on merchant documentation again. I disputed it and reclaimed all evidence above on the phone. The XXXX changed the tone saying they never received my faxed documents. Confirmed the fax number again and the XXXX stated that she would not close the claim until they collect and review my side of the evidence. However, as soon as the phone ended, I received another notification through BOA stating the claim had been closed ( the second time ) based on the merchant 's documentation so I need to be responsible for the balance. Filed another CFPB complaint ( # XXXX ) against this unprofessional behavior. XX/XX/XXXX - Called BOA again to check on the status, but no one could assist me beyond asking me to just pay the balance. I asked for a supervisor. They gave me a non-working number XXXX. I filed the latest CFPB complaint ( # XXXX ). XX/XX/XXXX - Received another letter from BOA again denying the claim despite the fact I've provided the above solid evidence showing I am not the person who made the transaction especially since the handwriting is clearly not mine. I never received any communications from BOA, nor did I speak to any supervisors. Requested a reopening of the claim. I've tried to communicate with BOA peacefully. I would like BOA to review the evidence I provided. If they did so, they would know I was not the person making the transaction. I am contacting the attorney CFPB referred if BOA keeps been ignorance to the evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94901
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This past Friday ( XX/XX/XXXX ) I did my usual cash withdrawal in the Bank of America branch ( part was used for my sinking funds, the remainder to finish some savings challenges ). After hours and having completed several savings challenges, I had {$410.00} that I had saved, and I went to the drive thru ATM in XXXX XXXX SC. It was after hours, and I really should have gone in to see the teller on Monday, but I risked it. The ATM spit out an error and none of the {$410.00} was credited to my account. I got the receipt and called the number on the paper, which was to the Claims Dept. The lady I got on Friday evening told me I would get a temporary credit by Tuesday ( XX/XX/XXXX ). I began refreshing my BofA app starting at XXXX on Tuesday, as I really wanted to use these funds to help with car maintenance. Unfortunately, the funds were never credited to my account. In a state of panic, I called the Claims # again, but this time I was told that it would be XX/XX/XXXX before I would even see a credit, but that they would put in a hardship escalation to get my funds in my account. I happened to be in the XXXX XXXX branch this afternoon, cashing a check and mentioned it to the Bank Mgr, ( XXXX ) who was very kind. She told she would follow up with the claims department as well. In the meantime, I called the Claims department on my own, and was again told that the escalation was denied and that my deposit required more investigation. All of this made it seem like I was under investigation personally, which is wholly unwarranted and entirely mean spirited. All I am asking is that the funds, my {$410.00}, be credited to my account as promised, immediately and without delay. In return, I will refrain from using the ATM for any deposits or withdrawals going forward. I know this email is a long shot to get what is mine, my money that I worked so hard for and saved by being diligent, just credited to my account. Any help in escalating or resolving this matter would be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I wanted to close my Business checking account with Bank of America. Once again they are giving me hard time and not doing so. Bank of America is too big and too inefficient. Bank of America hardly employee good people - cheap and mediocre people working here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I filed a dispute with BOA made a complaint here, I received an obscure email asking me to call I called and was navigated to a strange voicemail box, no identifying information. I see patients in appointments all day and am not available to answer my phone at BOAs discretion. Their customer service is shady. They made no allowance for me to upload documents documenting my dispute in their banking app. Im the customer and I believe that a {$500.00} hair service that ruined my hair for years is worthy of disputing. I will include BOA in my small claims actions just for their shady banking practices
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: I send a payment t ( {$520.00} ) o a close creditcard account of Bank of America but the dont refund until a made a complaint with you ( # XXXX ). They send a check XXXX to my bank XXXX XXXX XXXX XXXX XXXX with any information of me. My bank, unable to apply the payment to anyone, returned to Bank of America the amount of {$520.00}. with XXXX on XXXX deposit on XXXX on bank. I try to reach without rsponse with XXXX XXXX XXXX XXXX Specialist of Regulatory Compaints of Bank of America, XXXX XXXX XXXX XXXX that work with me before this problem. She dont return my massage. I want that Bank of America send me the check to my address : XXXX XXXX XXXX XXXXXXXX, XXXX, PR XXXX or send to the bank with my name on it. Bank of America can reach me to my phone number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A