Date Received: 2023-05-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have 2 fraudulent inquires on my credit report from Bank of America. i contacted me identity protection service for both inquiries and had them disputed directly with Bank of America and both were verified as fraudulent. I requested that I receive documentation for both inquiries stating that they were fraudulent. I have not received any documentation for either inquiry. The date for the first inquiry was XX/XX/XXXX and the second inquiry was XX/XX/XXXX. I requested that both of these be removed off my credit report. It has been over 90 days and both fraudulent inquiries are still showing on my credit report. I am requesting that they both be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a cashier checks from XXXX XXXX and tried depositing I went to my local Bank of America XXXX XXXX XXXX XXXX XXXX nv XXXX and talked to an employee lats name XXXX. He told me that check would clear next business day Saturday XX/XX/XXXX Later that day I received an email saying they are putting a hold on it till XX/XX/XXXX Ive never had banking issues in my life This is harming me because I was using it to payoff debt now Im paying excessive interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89436
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 your account
Subissue: Company closed your account
Consumer Complaint: Today, I was informed by Bank of America, after calling them, that my two credit card accounts with them had been closed. This came as a surprise to me because I had not received any adverse action notices regarding either account, and the only reason I found out was that I was unable to access my online banking account ( which is how I make payments ). Both of these accounts had always been paid on time, and I had made all payments through the online banking portal. However, now I am forced to call a phone number to do anything. The representative I spoke with ( who was very kind ) took over 10 minutes to find a note on why my account was closed and apologized that notices WERE NOT sent. I find it unacceptable that a bank of this size would fail to inform its customers of decisions made on their accounts. Such actions are illegal and have a negative effect on my credit report, which is in the form of a reduced credit line/closed account by the financial institution. Besides, I had just received approval for a balance transfer on one of these two accounts earlier this year, and nothing has changed on my credit report since then. How is this practice not abusive and a UDAP violation? This experience has left me feeling frustrated and disappointed. It is not the level of service I expect from such a large financial institution like Bank of America. I would like to see measures put in place to ensure that customers are notified of any changes made to their accounts. This would avoid situations like mine, where customers are left in the dark and have to go through the hassle of finding out on their own. Overall, I hope that Bank of America takes this matter seriously and implements changes to ensure that customers receive proper notification when decisions are made regarding their accounts. This will not only benefit customers but also improve the bank 's reputation and trustworthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79705
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: Problem using a debit or ATM card
Consumer Complaint: I filed a claim with BOA regarding an event wherein XXXX XXXX charged me {$500.00} for a hair process that I was quoted {$250.00} to {$300.00}, and they ruined my hair, literally damaged my hair with bleach, gave me highlights that I did not agree to. I called BOA and spoke with a lady named XXXX, Claim # XXXX. During our conversation she mentioned " previous claims '' which literally have no bearing upon this claim, and she asked me multiple times " how '' my hair was damaged and I shared the same information twice stating my hair is burnt, and I lost hair on my crown. She was punitive, and insisted I fax supporting documentation rather than upload it, stated that she did not know if I would ever be credited for my dispute. Falsely accused me of not having to pay for my hair to be fixed because it did not show up on my BOA account, and I have other bank accounts, I finally hung up.
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: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Two ( 2 ) letters of Tenure were sent to Bank of America XXXX XXXX Mail with a Certified copy sent to CEO of Bank of America, along with the Power of Attorney for the Estate. 1st letter Letter of Claim 2nd letter Opportunity to Cue Another letter of tenure has been prepared for submission today due to the deactivation of all ( 3 ) credit cards accounts for breach of contract and default of fiduciary duties. A complaint was sent to the Office of the Comptroller of the Currency. ( XXXX XXXX XXXX. XXXX ). The OCC office referred this complaint to the CFPB. If no successful resolution is given ; the securities exchange commission is recommended for further resolution. All accounts are up to date in payments ; no late or missed payments per account ( s ) history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60466
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: They closed immediately closed my account with no explanation due to fraudulent activity on the account I had nothing to do with, when I called and explain my purse was stolen with my wallet and phone in there, the agents told me there was nothing they could do, no disputes or anything. Now Im stuck with a closed bank account, {$0.00} savings ( because they took it ) and owe {$6000.00} to boa for something I had no control over
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I am a victim of EDD prepaid debit card of the Bank of America, and I have never been given my authorization to anyone to use my EDD card and account for purchases and withdrawals. Apparently, thieves are checking my accounts every day at various locations including XX/XX/11 stores, XXXX XXXX XXXX Bank of America, and withdrawing money in XXXX and XXXX XXXX counties which are 2 hours away from my home. Bank of America 's computer security system leaked to consumers information, so the hacker had the opportunity to steal money $ XXXX my account. I reported to Bank of America twice, and filling a claim, but Bank of America continues to insist on denying my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91776
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a balance transfer offer from a Bank of America credit card. That's why I did the balance transfer, and I also have regular purchase transactions with the same card. The bank keeps charging interest on the purchase, although I pay in full every month. Sometimes the interest is more than the purchase amount. I have credit cards from other banks too. I never experienced this with another bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19468
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX -- I received unsolicited prescreened credit card offer from BANK OF AMERICA ( BOA ) for card with 0 % APR for the first 18 billing cycles. I accepted this offer to purchase expensive XXXX XXXX, allowing me to FULLY pay off balance before the end of the 18 billing cycles. I planned to make recurring FIXED $ 250 month payments using the usual autopayment options. No problem - easy right! WRONG - BOA rigs their online payment system to prevent FIXED payments. XX/XX/XXXX - BOA XXXX XXXX XXXX XXXX approved XX/XX/XXXX - purchased expensive XXXX XXXXXXXX with new card XX/XX/XXXX - made {$1.00} online test payment in anticipation of autopayment process ; Told by customer service can NOT set up autopay until receive first e-bill. XX/XX/XXXX - received first e-bill and attempted to set up fixed $ 250 monthly recurring payments. Only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXull balance payment of over {$3000.00}, EVEN THOUGH online BOA payment screen clearly reads ... '' You can also set up AutoPay based on the custom dates, amounts, and other details you choose ''. Also Txt response for HELP payment button gives FIXED payment as a third option. Service rep stated BOA stopped Fixed payments in XX/XX/XXXX!! This is FALSE ADVERTISING AND DECEPTIVE. BOA wants their users to miss payments and then pay a LARGE interest amount. BOA is preying on the working poor and elderly. Shame on BOA!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32401
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XXXX 2023 I initiated a dispute on my California EDD debit card, with Bank of America XXXX After 10 business day had past XX/XX/2023 I called for an update, in which they said my dispute was still pending. I then requested a provisional credit, and was told by the very same agent that just told me it was still pending, that my dispute was denied. I asked the same agent to please provide the info used to reach the decision and also asked to reopen my claim for reconsideration. I waited and I never got written notice my dispute was denied nor any material on why it was denied, which is my legal right. After waiting several weeks I called to ask why I never received any documents explaining the decision on my case and asked for an update. A rep for Bank of America said yes we should have sent those documents out but could not verbally confirm anything was ever mailed. The rep did explain my denial was due to the card being mailed to my address on file and my card being activated after I was validated, Im assuming using their automated verification questions used to confirm the id of callers ( not positive ) I asked if she could mail me the denial letter as well as the supporting documents once again. I also asked what I could do if anything to help the process and get a just decision on my end, she explained if I filed a police report and sent in a picture of me and my ID so they could review any atm footage, it would greatly help in determining a more favorable decision. I did in fact go and file a police report as I was directed. I then faxed the report and a picture of my ID as well as a picture of me holding my ID, I faxed the documents a total of 3 separate times, getting a confirmation of received all 3 times. The first 2 Bank of America said they never received any documents via fax but finally 3rd time was a charm that was on XXXX XXXX, 2023. I called XX/XX/2023 thinking my case would be resolved and I would have my funds back in my account, but XXXX and this time when I was told I was still pending I requested a supervisor hoping to get results but he would only tell me its pending and when asked how long this would take reaching a decision all he could tell me is most cases are typically resolved in 45 days when I told him we were on day 47 he says like I said MOST cases are TYPICALLY resolved in 45 days but not all I asked when I would get an answer he said he CC was unable to tell me he said they are still investigating and reviewing. So after my first initial dispute it took them 10 days of investigating to deny my claim but here it is now 51 business days ( 61 from initial ) into my dispute Still no decision so none of my funds still also still no written notice or mail explaining why they decided to keep my money in the first place. That is illegal and just plain bad business of Bank if Americas part. Its my money and they have no right to continue to withhold it from me especially since Ive done all they asked and ample time has has passed for them to investigate. If anyone took even the slightest look into my situation they would Know I am entitled to it because I never was the one to receive it. Thank you for your time. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A