Date Received: 2023-05-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In XX/XX/XXXX Bank of America has frozen my account after numerous phone calls over the past two weeks to the bank and their fraud department no one can give me a legitimate answer as to why they are with holding my funds. They said deposit fraud but the only deposit made was for {$250.00} does not seem unreasonable or a reason to flag for fraud. I never received prior notice they had froze my account my automatic payments were declined and I now also owe for those payments being rejected due to a major error in the banks security systems within their own fraud department. There is no help, no answers given or explained, and I still do not have access to my funds. I have reviewed all transaction none of them give any reason to be flagged. I had received digital deposit from XXXX and XXXX XXXX times before these transactions and in the year I have had this account this was never an issue. They lack communication with their consumers and are thieves at best. Their systems are flagging us for no legit/ legal reasons and we the consumers are suffering for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34758
Submitted Via: Web
Date Sent: 2023-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
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 and XXXX on XX/XX/2022, 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: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am of victim identity theft and have contacted Bank of America, XXXX XXXX, XXXX XXXX, XXXX and XXXX 3 times since XX/XX/2023. I have provided them with a copy of my police report, FTC report, ID, XXXX and bills serval times. And they refuse to remove these fraudulent accounts and addresses. They have also reinserted fraudulent information back on my report without notification and some items they have refused to remove them from my credit report. The accounts are as follows : XXXX XXXX XXXX XXXX # XXXX Bal. {$4100.00} Opened on XXXX, Bank of America # XXXX Opened on XXXX, XXXX XXXX XXXX XXXX Bal. {$1200.00} Opened on XXXX. Fraud Address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX I am requesting that these fraudulent accounts be immediatly removed from my credit file. I did not open these accounts and they do not belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was denied access to my account during an unauthorized claim investigation. The claims are still under investigation and Bank Of America is refusing to provide me with and have access to a temporary provisional credit by the 10th business day, in violation of Reg E. They will not let me close my account, they continue saying that the account is in " closure '' and are withholding all the money in my account indefinitely. My online banking access has been suspended, they are refusing to give me any account information. 9 out of 10 employees in EVERY DEPARTMENT I have spoken too, has never heard of Regulation E.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: For our Bank of America XXXX XXXX XXXX credit card, we made a payment on the due date XX/XX/2023 using a Bank of America checking account. The DUE date on their business website shows due date being XX/XX/2023 which is the day we submitted the payment. The bank is claiming the payment didn't post until XX/XX/2023 and so they erroneously charged {$39.00} + {$48.00} in late fees and finance charges which seems obviously a case of gouging and attempt to charge us unjust fees. I have attempted to speak to their customer service team 3 different times including with a supervisor about this matter and all they keep saying is this account isn't eligible for a refund. Despite us having an eight year business banking relationship history with Bank of America, they refuse to try and help at all and are insistent the fees are valid. We're hoping the CFPB can assist in this matter and help other consumers know the unethical business practices that Bank of America is conducting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to file a complaint regarding the closure of my credit card account without adequate reasons. I strongly believe that the reason for the closure appears to be discriminatory and XXXX. On XX/XX/2023, I received a notification stating that my credit card account with Bank of America had been closed. However, the notification did not provide any clear reason for the closure except the fact that they noticed unsatisfactory performance on personal card. No details of what the issue is and what was the unsatisfactory performance has been provided. The letter from the bank for closing my personal card account states that Irregular authorized user activity which does not provide any insights on what the irregular activity is. The bank at its sole discretion closed all my account without giving any chance of being heard. I called customer service to inquire about the reason, but the representative was unable to provide me with any explanation. I have been a loyal customer of Bank of America for many years and have always made timely payments on my credit card. Therefore, I am shocked and dismayed by the sudden closure of my account without any explanation. Furthermore, I can not help but feel that the closure was based on discriminatory and XXXX motives. As an XXXX american, I have often faced discrimination and prejudice in various aspects of my life. I strongly believe that the closure of my credit card account is another instance of such discrimination. I request that Bank of America provide me with a clear and valid reason for the closure of my account with sufficient details. Also, what is basis of closure of the account like a policy or document that I signed informing me that I can not have authorised signatory on my account? Additionally, I demand that Bank of America address any discriminatory practices within their organization and take appropriate action to prevent such incidents from happening in the future. I hope that this matter will be addressed in a timely and appropriate manner. Thank you for your attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged a late fee and it was not reversed. Bank of America charges a late fee when the consumer pays on the due date stated online. It then reverses the late fee. The actual posting of the payments varies depending on the day it is paid when there is a weekend. This is the only credit card I have that does this. It also does not always show the same due date online every month. I paid on the online due date but was again charged a late fee. The late fee of {$49.00} charged on XX/XX/2023 and XX/XX/2023 were not reversed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: This is an additional complaint in regards to my original complaint # XXXX submitted on XX/XX/23. The bank had initially taken out double the amount of money from my checking account to pay my credit card account then refused to refund me in a timely manner ( see original complaint XXXX ). After I filed this complaint with you, a few days later they finally replaced the original amount of overpayment to my checking account, although they did not pay me the additional fees that I am still filing for, which are fees for my time having to be on the phone with them for over FIVE hours to fix this, as well as any overdraft and late payment fees they would have charged me had the shoes been on the other foot. NOW, Friday XX/XX/XXXX, they finally contact me by leaving a voicemail this morning from their " Protection Department '', saying that they are ( just now ) responding to them accidentally taking out the extra money from my checking account. So, their action that they have taken is that they have placed a restriction on my checking account! So, now I can't access any of my money in my checking account! I called them back at the same department as soon as I could, but a different person who answered said that they can't help me and transferred me to their Regulatory Complaint department ( the department who is handling my complaint I filed with you ). I got her voicemail and left a message. This person from the regulatory complaint department just called me at XXXX ( my time, XXXX ) and left me a voicemail. I tried to call her right back, but it turns out she only works until XXXX XXXX ( my time XXXX ) so her phone was already automatically directed to her voicemail. She won't be back in until Monday, so now I am cut off from accessing any of my money in my checking account for 3 days until I can get this fixed on Monday! This is downright harassment for me filing a complaint with you. There was absolutely no reason for them to put a temporary restriction on my account. They did not overpay me any money from their initial error. Now they're saying that I can't access my own money until I contact them, 3 days from now??? I'd like to amend my initial # XXXX complaint 's restitution demands and add additional fees for them preventing me from accessing my own money for XXXX days, and charge them interest fees for the amount of time it takes for me to regain access to my money, as well as a {$150.00} harassment charge per day that they do not remove any restrictions from my account. Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: Someone opened a Bank of America online account using my name and social security number. Ive called over 5 times trying to get assistance with this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08721
Submitted Via: Web
Date Sent: 2023-07-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX Print complaint CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/2020 PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam Please see the above referenced complaint - We never received any communication from BOFA- this issue still is NOT resolved and there is XXXX outstanding in addition to our attorneys fees of over XXXX. The complaint was closed and theres no conclusion
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A