Date Received: 2023-05-23
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid my bill, which was over {$10000.00}, in full through a third-party payer, which is usually how I pay it, and the payment was received by the credit card company, Bank of America XXXX and the same day or the next day they also, on their own accord, removed the identical amount from my private bank account, and then went ahead and just credited the amount to the Credit Card XXXX This occurred more than 2 weeks ago, and I spoke with them and they claimed it was impossible that something like that could occur on their end, and that I must have gone into their banking app and paid it, in addition to the payment that I made through the third party payer, which NEVER HAPPENED. They said that they needed to investigate it to reverse the payment and put the money back into my account, but that has still not occurred. Even if they do so, this is a theft. Whether this was a glitch in their system, or the result of an intentional act by a Bank of America employee, my checking account was severely overdrawn as a result of their actions. I am owed interest, or some other form of compensation, in addition to, of course, the return of the initial amount they wrongly removed from my private banking account. For your further information, they had my private account information in their system as I had paid a couple of bills directly that way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been a loyal customer with Bank of America for 24years with two personal accounts. 2 weeks ago I met with a representative to re-title ownership of those accounts to a Trust. Th e rep. looked over the Trust documents and confirmed with her manager that the accounts could be re-titled. She re-titled them in the banking system and send the Trust documents to their legal dept. Legal denied the re-title. I said ok, put both accounts back in my name. Bank of America is refusing to switch the accounts back to my name. Why? I dont understand. Instead they are bullying and forcing me to close my accounts that Ive had for 24 years and open new accounts with higher fees and things that I dont understand. I dont want higher fees or new accounts. Just switch the name on the accounts back to my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: On XX/XX/25 I open a complaint against Bank of America Credit Card XXXX ID XXXX The status of that case says that BoA is lookin into it, however, now they are trying to charge me double the amount of interest they tryed to charge last month. I did not make any purchases since I discovered they were not giving me the 0 % interest they advertised. And yet, the interest charges after my regular payment is now almost double. Last month was XXXX dollars now they are trying to charge me XXXX dollars for interest. They know that I am disputing these charges and they are a long time to respond. Now because they are taking a long time Im being charged even more interest. This is a very abusive way to do business. I want them to freeze anything related to that credit card until I have a resolution. I will not continue to pay abusive interest charges while they procrastinate to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Our Bank of America business credit card, with the number XXXX, offers rewards. I am writing to request a correction regarding a check that was issued to me. On XX/XX/XXXX, I received a check in the amount of {$5600.00}. The check number is XXXX. However, the Pay to name on the check was incorrect. To rectify the situation, I contacted Bank of America on XX/XX/XXXX, through the number XXXX. I requested a change to the Pay to name and asked for a new check to be issued. Bank of America acknowledged my request and provided me with a case number, XXXX, in a letter dated XX/XX/XXXX. Unfortunately, despite the passage of two months, I have not yet received the new check. As a result, in XX/XX/XXXX, I sent a letter along with a copy of the check to XXXX XXXX XXXX, XXXX XXXX, TX XXXX. On XX/XX/XXXX, I received a response from Bank of America, including a new case number, XXXX. In their letter, they assured me that the new check would be mailed to me within 7-10 business days. Regrettably, even after one month had elapsed, I still had not received the replacement check. Frustrated by the ongoing delay, I called Bank of America on XX/XX/XXXX. They reassured me that they would address the matter promptly. However, it was not until XX/XX/XXXX, that I received another letter from Bank of America, which assigned a new case number, XXXX. Despite my continued efforts to resolve this issue, including contacting Bank of America once again on XX/XX/XXXX, I have yet to receive the corrected check. Their response was to provide me with a new ticket number, XXXX, and instruct me to call back in 5-7 business days. Throughout the period from XX/XX/XXXX to XX/XX/XXXX, I have been assigned a total of four case numbers by Bank of America. However, it is disheartening that they have failed to resolve the problem thus far. I am exhausted from this ongoing ordeal and have lost faith in their ability to rectify the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had fraud done to my bank account about a year ago. It resulted in them closing my account due to the fraud. I filed a fraud complaint and they would transfer me person to person and never reserved any of the issues. To this day my account is still closed and because of that I can not open an accclunt at other branches.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91343
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited check XXXX XXXXXXXX in the amount of {$1700.00} drawn from XXXX Bank to Bank of America on XXXX. The check was approved by the branch manager and deposited into my account with their typical 24-hour hold. The check was marked for deposit only, no cash back requested. Later that night, the check was put on a 7-business day hold by Bank of America 's `` clearing house. '' I met with the branch manager on XXXX and he found zero reasons as to why this particular check was held. He called the fraud dept., they said no suspicious activity, account is good, go ahead and use it. All the branch manager had on his screen as to the reason was " confidential. '' Both the Bank of America and XXXX accounts have overdraft protection. I met with XXXX as well, they said the check cleared on XXXX with no problems. I am concerned that Bank of America acted in an overly aggressive manner on a seemingly benign transaction with no explanation as to what necessitated their action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98166
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX, 2023 I sent an email to XXXX XXXX, corporate office of Bank Of America about charges that was made to my account to We are XXXX XXXX XXXX located in XXXX XXXX in the amount of XXXX. The company XXXX XXXX XXXXXXXX close the doors did not refund our money back for the trips that was suppose to happen XXXX now since XX/XX/2023 the company are in liquidation and the trips never happen. I contacted my back several times not once did they offer a refund or looked at the documents I submitted via emailed. On XX/XX/2023 I received a letter from Bank of America denial stated I cancel the trip which is not true. I did not cancel the trip I had my heart set on going to the places I paid for. I paid for service that was promise to me and it didn't happen. Bank of America didn't look into the matter at all just sent me a notice with in days of me trying to explain what happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Hello, I filed complaints # XXXX, XXXX, XXXX and XXXX on XX/XX/2022, and XX/XX/XXXX, XXXX since I couldn't view my credit score in my Bank of America application. And then they let me see it. But now they've done the same thing, and I can't view my credit score anymore. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have XXXX over draft fees during the time of covid when we was not supposed to be charged the over draft fees.the results of there mistake was my account was closed and sent for collection and I had several bad checks as u should say.but when they closed my account I tried to get the XXXX XXXX of dollars off for the overdrafts and they refused.this was during XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I made a purchase with XXXX in the amount of $ XXXXat the time of purchase funds where deducted from my account on XX/XX/2023 is the processing date the transaction completed and withdrew my account into the negative. Bank of America deducted funds at the time of purchase and at the time of completion of the processing transaction. Every transaction made with my debit bank of America deducted funds from account at the time of the transaction and deducted again when the transaction is done processing. This has happened multiple times in my account. Tried to screenshot the error but bank of America website doesn't allow screenshots and blacks out the screenshot of account.
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: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A