Date Received: 2023-05-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: My phone number got ported to XXXX XXXX i think. So i did not have signal on my phone. After work i went to XXXX to get it fixed. After getting a signal, XXXX XXXXXXXX called me about someone ordering an XXXX in my number ( thats why me and the XXXX representative assumed it got ported to a XXXX XXXX ) They used my number to change the password of my bank and email. So that they can do fraudulent stuff like my other dispute where they opened a XXXX XXXX credit card. They tried to cash a check of {$1000.00} and {$500.00} but its still showing pending and i already managed to call my bank to fix everything. They said they will try to put a hold on it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
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: Funds not handled or disbursed as instructed
Consumer Complaint: I have been out of the country for personal reasons for a few months and I wasn't able to manage my banking account. I didn't realize that a claim I filed was refused due to the rep at the bank filing the claim wrong. So the credit from the bank was taken away sending my account into a negative balance. When I returned home to XXXX last week I got an insurance check for my phone being stolen and I deposited it into my savings account. I have my overdraft protection turned off. So when I went to withdraw funds money was missing. The check was for {$1000.00} and there was only {$490.00} in my account. I called and I was told that due to my account being a few days from charge off, it was an automated system that transfered the funds to protected the banks interest. I've worked for a bank before and I completely understand what happen. I did let them know I had funds set to hit the account the day before closing and due to the nature of my emergency I was due back out of the country in less then XXXX hours and needed the funds. I asked for the funds to be returned and for them to allow the pending deposit to fix the error and they completely refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78210
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: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: My identity was stolen when I was XXXX I put out a police report even sent it to XXXX system no accounts in XXXX that were closed for someone doing fraud on them should still be saying open. I contacted Bank of America it has berm hard I tried to even get my account back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
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: So I had a account with Bank of America and I started getting tons of charges from online gambling site that I used a long time ago. I notified the gambling site that the charges weren't made by me or my account with them but was ignored so I went to BOFA for help showed them the evidence and they temporarily credited me back. But then all of a sudden took all my money again. And wouldn't even tell me what they found in the investigation all. I told them and showed them the proof that there were many people who experienced the same thing as i did from the XXXX website. And that the account charging me wasn't even in my name or in my country. To add to that I was getting charges from XXXX XXXX also unauthorized got the same bs again. They ignored me and that's how I lost thousands of dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55104
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: Problem using a debit or ATM card
Consumer Complaint: Over the past 3 months, Bank of America has failed to close fraudulent checking accounts opened in my name, and has allowed the fraudulent account owner to transfer and withdraw money from this account. I have repeatedly called Bank of America customer support about this, with the lowlight being a XXXX hour phone call around XX/XX/XXXX where I was bounced around between XXXX customer service agents. After the phone call in late XXXX, I was assured that the account was closed. Several days ago, Bank of America mailed me ( to my parents ' residence, which is my old address ) an account statement for the fraudulent account. This statement shows an active account that was created fraudulently with my identity. Bank of America has told me repeatedly that this account ( and other fraudulent accounts that have been created ) were closed, and I am now finding that they have not delivered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been a preferred rewards platinum honors member with bank of america since 2014. Just recently bank of america decided to close my account and 2 credit cards with no explanation. I have an excellent credit score and always paid my balances on time. I have no non violations of my user agreement. My biggest complaint is that the bank will not allow me to redeem my cash back totaling {$4900.00} and tells me the whole amount is forfeited. I have worked so hard to earn this cash back and unable to redeem it thru no fault of my own. I feel being taken advantage of and account was shut down in order to not be able to redeem my rewards. I dont understand why a large bank like bank of america would result to such unfair business practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01752
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have a XXXX bank account and have no service with other banks except through XXXX. I received a letter in the mail from Bank of America in regards to opening up a debt card account in which I knew it was fraud immediately because I don't do business with Bank of America. I called Bank of America fraud and put in a claim to be flagged and declined immediately for future fraud events. XXXX weeks later I get another letter in the mail with another debt card opened under my name again. I put in another claim and now I am worried my Identity, social security, and more is at high risk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07747
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Was told I should apply for a new travel card with 0 % interest. They were supposed to expedite the new card before my trip. They didnt so I called and was told to use my old travel card which has 21 % interest and when I returned from my trip they would transfer balance to new card. When I called Bank of America I was told they dont transfer between bank cards and offered me {$25.00} reduction on my bill. Had I known this I would have either used cash or a credit card with a lower interest rate. According to Bank of America this issue has all been recorded but still would not do anything even though it was their fault. There was a file started with them. The # is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11554
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank of America released bank records on transactions in or around XXXX XXXX XXXX to the FBI without a warrant. This allegation was made by XXXX XXXX. As a current Bank of America depositor I am horrified by this invasion of privacy. Please investigate this situation. Financial institutions should be law abiding even if it can not be politic free.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 590XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
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: A scammer created a Bank of America account online using my identity online and deposited a fraud check for {$27000.00} using an ATM machine in XXXX and cashed it out a week later on XX/XX/XXXX. I don't even live in XXXX. Bank of America is accusing me of that transaction and they took my money from me on XX/XX/XXXX without telling me and again on XX/XX/XXXX. I no longer can trust them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A