Date Received: 2023-05-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Apparently according to bank of america, on XX/XX/2023 they experienced a data leak, which leaked my card info. So without letting me know they purged my card and that was it. I didn't find out about this till on Monday the XXXXXXXX XXXX XXXX, I tried to use my card only for it to be declined, and that's when I called them and found out. I called them and they send they had sent me out a new card, but they have no proof that they sent it out only saying " yeah we put it in the pick up box for the mailman. '' I asked two of their representatives to expedite my card since the new one never showed up and there's very little I can do till I get my new card i.e. rent and bills. I explained this to them and they just didn't care. They said they could charge me like XXXX XXXX to get it expedited, and I was like No, you guys cancelled my card without telling me, it's your responsibility to make sure I get my new card. And I still haven't gotten it and it's now XX/XX/XXXX. They are just giving me the run around. I told them I never got the card they supposedly sent and basically telling me it's not their problem, when it was their systems that were breached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94110
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I signed up for a Bank of America checking account in XX/XX/2022 and used a promo code to obtain a promotion offer ( bonus ) to be paid after completing the various requirements. Those requirements were completed and the promotional offer ( bonus ) has not been received to my account. A phone representative was unable to help me on the matter and suggested make an appointment at my nearest branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Wednesday, XX/XX/XXXX at XXXXXXXX XXXX, I received a text message from " XXXX '' stating : " BofA Security : Debit card ending in XXXX was declined. Enter the correct expiration date OR call XXXX to activate your card. Text STOP to end texts. '' I have a Bank of America checking account with a debit card ending in XXXX. This card was not activated when received because I have no intentions of using it. It is stored in a safe. I called Bank of America using a number found on my account page after checking my account information online. The representative was not helpful and didn't understand the issue. As a victim of known-name identity theft, I am very concerned by lack of security and concern of the situation. It appears someone is attempting to use my debit card but can't because it was never activated. The debit card has never been used. This indicates that Bank of America has a data breach of my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77009
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The account in question was closed by the company without following the proper procedure in reaching out to the consumer, in which has created personal issues as a result. The charged off account was originally written-off in XX/XX/2022, while in excellent standing, and continues to be opened/closed since then along with continuous reporting of " late payments '' on an account deemed closed. It has been written off as a loss, and According to the IRS, a canceled debt ( charge off ) is gross or ordinary income, by which is non-reportable on a consumer report, rendering this information being reported as inaccurate. In addition, I have never received a 1099-c form for the cancelation of debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31906
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Woke up one morning and my Buisness account was closed. I had that account for 5 1/2 years I went to speak with the bank manager and they said they have no reason to close it, and dont need a reason to close it. Its my company Buisness account which made everything go wrong once account closed I was not able to accept payments. Then 24 hours later they closed my personal account and werent able to pay my rent and bills are take care of my kids with 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: 90746
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Dear [ Bank of America ], I am writing to dispute several transactions on my recent bank statement. I called your customer service line to initiate a dispute, and after fully verifying my identity, I was informed that I must visit a branch location with two forms of ID or my claim would not be filed and my account would be restricted. I would like to bring to your attention that this requirement is in violation of federal law 12 CFR 1005.6 ( b ), which states that a financial institution may not place conditions on the filing of a dispute beyond a written statement of the unauthorized transaction by the consumer. As such, I request that this dispute be resolved without the need for an in-person visit to a branch location. I have provided all necessary information over the phone, and I am happy to provide any additional documentation or information required to resolve this dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 my account balance was {$41.00} I withdrew the {$41.00} and bank of America put my account at- {$31.00} the next day. Bofa used a XXXX transaction that happened on XX/XX/2023 and dated the transaction XX/XX/2023 this date is the transaction date and posting date. At the time of purchase from XXXX funds from account where removed. When BofA changed the on the transaction from XX/XX/XXXX to XX/XX/XXXX they charged me again and caused my account to be overdrawn. I contacted bank of America and was told XXXX had just processed the transaction and that there was no double charge I ask why did the transaction say XX/XX/XXXX and the processing date say XX/XX/XXXX also. I also ask why at the time of the transactions which was XXXX they withdrew funds for the transaction and when they changed the date they withdrew again causing the over draft. I also stated to bank of America that I do not have overdraft services so how does my account continue to get overdrawn. Bofa refused to answer. I tried calling back to speak to a supervisor but BofA refuses to give services because I'm having issues with my text messaging and BofA says that's the only way they can verify my identity and to go in to a branch. Is the only way I can get customer service. There unrecognized charges made to my account and I can't dispute them unless I call them. I can't make it into the branch because of transportation issues. Everything stated can be proven. I filed multiple complaints with BofA about getting notifications of debit card charges when I'm not using my card and when checking my transaction history the notification of the transaction is no where to be found. BofA continues ignore these issues there has no follow up or anything I do believe BofA is taking money out of my account without authorization. BofA has also lied about available balances in XXXX I made a deposit to my account because my account was at a, XXXX balance. When checking my statement for that month BofA states my account balance at the time of that deposit was more than {$0.00} which was not true I told BofA I had the receipt proving the balance was XXXX at the time of the deposit BofA replied there must be something wrong with the atm.
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: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was trying to open a business account for my business with Bank of America during the week of XXXX. Upon speaking with my business specialist who was setting up my account got a flag message and she told me I needed to call the recovery department I said ok. I was confused as to why I needed to call that department. Upon speaking with the young lady in the recovery department she informed me that I had an account in XX/XX/XXXX that closed in the early part of XXXX but these accounts were in bankruptcy I stated to her yes I filed XXXX XXXX in XXXX on my personal ss # and i know you all aren't trying to collect on a bankruptcy she stated no maam we can not collect on this and you should be able to proceed to finish your business banking. I said ok thank you. I returned the call back to my business specialist and she told me before she proceeded to call back the recovery department and ask them to revise or remove the notes in the account to the underwriting can see them. Therefore, I returned the call back to the recovery department and informed her of what I needed to be done she told me that she couldn't make any changes to the account I will need to contact the risk department which she transferred me over and gave me their phone number and I spoke with a lady in this department that i also stated what I needed to be done and was told this department ins the only one that can do it. She stated that she couldn't revise or remove any notes from this account and I asked her why she said she didn't have to give me a reason that they can close the account for any reason and I don't need one. Therefore I stated to her that you all are blocking me from banking services which violates my rights and I will report you all to FCRA and the FTC she then went on to say let me ask my supervisor. Upon her return after speaking with her supervisor, she stated that I can go inside and apply and TRY to get approval, and if it goes through but it doesn't oh well I said what is that supposed to mean she then stated that they weren't gon na remove the notes and that I will never have any services with them of any kind so if the account does get open they will close it again. This is stopping me from getting the business things I need done and taken care of. without any good explanation to me maybe because I'm a XXXX XXXX I'm unsure or because I filed bankruptcy on my personal accounts. Either way, I'm discouraged. Being rude toward customers isn't the way things should be handled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: VIA EMAIL XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX Suite XXXX XXXX, PA XXXX Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Bucks Cty., No. XXXX Property Address : XXXX XXXX XXXX, XXXX, PA XXXX XXXX No. XXXX KML File No : XXXX Dear XXXX : This law firm has been retained by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX to the above-referenced mortgage loan and foreclosure action. Our clients were in near constant communication with your firm for several years as part of their efforts to seek a loan modification over the course of nearly three ( 3 ) years. Our clients never obtained any modification, nor was their request for modification denied. After our law firm has conducted extensive research, investigation, evaluation and analysis of the XXXX XXXX XXXX ( request for mortgage assistance - a loan modification ) and loan modification abuse abuse. It is clear to the Princes and this law firm that your client ( BOA/Citimae ) never had any intention of granting the loan modification - which all parties agreed to work toward a loan modification in the Princes bankruptcy plan, but instead BOA acted in bad faith by continuously stonewalling and delaying the Princes 3 + year loan modification process. From our extensive review of the pertinent communications ( emails ) with XXXX, it appears that your client XXXX requested information and documentation that had already been provided time and time again, which was duplicative, and/or unnecessary. XXXX Laws XXXX XXXX even stated in writing that the Princes had submitted all information necessary for the loan modification to be determined. We hold in our possession unequivocal proof of those redundant email requests for duplicative information requests and stonewalling behaviors. Our clients never obtained any modification offering during this ( 3 ) three-plus year timeframe, even as their financial situation materially and favorably improved year over year ( only bolstering the financial documentation/support that was repetitively requested month over month ). In fact, the Princes financial position improved so dramatically during this almost XXXX modification process since the Princes originally submitted their initial XXXX ( XXXX for mortgage assistance request for a loan modification in XX/XX/XXXX ) that the Princes are now in a position, if they so desire, to pay off the entire mortgage balance today as we speak. Now, Forty-One ( 41 ) -months after filing the Princes initial XXXX ( XXXX XXXX for mortgage assistance in XX/XX/XXXX ), there has still not been any denial or determination ( and there were several additional RMAs completed in between those dates due to the continuous delays and stonewalling from XXXX ). Furthermore, the Princes have continued to receive ( nearly ) monthly communications ( calls and mailings see attached ) from BOA requesting, almost demanding that the Princes seek BOA modification assistance. This is more evidence of deceit and bad faith compliance with federal mortgage assistance program guidelines. Every single BOA representative told the Princes that this 3-year mortgage modification process was impossible, and that it was federal and state guidelines/policy and the banks guidelines that all RMAs were to be completed in a 30-day timeframe, and in rare instances- 45 days. The Princes have logged the names and dates of the BOA representatives they spoke with and the formal BOA formal complaint filings the Princes filed with BOA regarding the BOA stonewalling tactics, in which these complaints were also never responded to either. Per BOA representatives ALL of the information in this letter is documented in BOA files including taped voice recordings, that our client the Princes called on and/or were called by BOA representatives XXXX, XXXX handling XXXX XXXX XXXX XXXX XXXX ( request for mortgage assistance XXXX loan modification ) process ( with still no answer to date as of XX/XX/XXXX - modification notification -acceptance or denial ) is beyond any reasonable sense of good faith where XXXX completely ignores and disregards the very essence of federal home loan assistance programs. We also plan to file a federal lawsuit complaint regarding this issue as well as the financial damages from XXXX actions- or better stated non-action. The persistent stonewalling and continuous delay tactics are both epic in nature and abusive in consequences- causing the Princes serious financial hardship and emotional scars/stress with the constant reminders of BOA threatening to take their home of 30 plus years- due to economic hardship created by the economy, job displacement and a XXXX daughter, hardships beyond their control detailed in their hardship letter as part of the XXXX. Our clients ( the Princes ) have incurred considerable economic damages as a result of your clients failure to grant the modification, including but not limited to the loss of the ability to obtain alternative financing at a much lower interest rate. Our clients expended substantial time and resources complying with your clients demands and suffered emotional distress and anguish as a result of the above. To further demonstrate the emotional distress and financial hardship caused and created by BOA to the Princes - after the Princes filed for Chapter 13 bankruptcy in XX/XX/XXXX ( and the bankruptcy plan included BOA cooperating with a loan modification - while interest rates at the time were between 2 % and 3 % ), the Princes proceeded to pay every months mortgage payment - on time - for the duration of the bankruptcy plan ( XXXX plus months ) then suddenly in XX/XX/XXXX BOA began to return the Princes on-time monthly mortgage payments ( btw we have documentation for all those payments and BOAs return payments ). At that time ( XX/XX/XXXX ) BOA demanded that all the arrears payments of more than {$150000.00} plus the current monthly mortgage payments be made/paid by the Princes to avoid foreclosure and sheriffs sale even though those monthly mortgage payments were being made religiously by the Princes every month ) once again all the Princes returned monthly mortgage payments are documented ). Shortly after BOA demanded all the arrears and current monthly mortgage be paid in full again without any response from BOA XXXX + years of XXXX ( request for mortgage assistance a loan modification ) BOA began foreclosure proceedings and put the Princes home up for Sheriffs sale still without BOA responding to the Princes loan modification ( XXXX ) request for mortgage assistance since XX/XX/XXXX. Does this BOA behavior not define both arrogance and bad faith in complying with the guidelines of federal mortgage assistance programs. We write to advise that our clients have every intention of reinstating their mortgage/bringing the loan current and begin legal action against the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2023-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A