Date Received: 2023-05-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: A credit card from Bank of America was opened in my name on XXXX XXXX. I received the card in the mail and due to the credit check to open the card, my credit score dropped as well. I also am concerned about whoever did this, doing it again. I called bank of america and they cancelled the card and told me not to worry. I am worried this was step one by someone to steal my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11234
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have tried 12 times to sync up my address between EDD/SDI and Bank of America prepaid Edd debit card My address on both sides are not same. The street address is same but apartments number is not. Since my card expired I can not get replacement sent to me. I have contacted both EDD and BofA to resolve this but BofA says they need the address change to come from EDD. EDD has said the correct address has been sent ( many times ) but BofA still has old address BofA and EDD have been contacted several times ( at least 12 times each. No resolution
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96753
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: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: Bank of America has put an erroneous report on the credit bureaus and created totally fraudulent statements. They took {$6200.00} out of my now-closed Bank of America Bill Pay account in 2018 and did not pay the bill. The president of my local branch paid the bill by transferring funds from my checking account to the furniture store. When they refunded me with a debit card, I misunderstood. I thought they were sending me a new credit card and charging me {$6200.00}. After explaining this to more than 40 BOA reps, I received a statement showing a check was sent to me, but no check ever arrived. I've asked for sales receipts signed by me that they are billing and dunning me for but they just send a form letter saying they won't change their report to the credit bureaus. It's criminal on the part of the bank. I get the impression that they are targeting seniors to raise money with false reports on the credit bureaus. According to the XXXX XXXX XXXX, they will be reimbursing customers for the XXXX scam... .the bill pay company, but they don't seem to know that. I paid the erroneous item on my credit to no avail. They claim I owe them {$350.00}. When I called and asked what for, they can't say. They told me I'd have to pay bank fees, late charges and whatever they could make up. They told me I'd have to pay {$560.00} to remove the credit bureau report. I paid. Then they created a statement pretending I charged {$560.00} and paid it back.They also pretend I charged {$6200.00} on a credit card and paid it back. That's how they stole my money. This bank is criminal in what they are doing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32137
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: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XXXX XX/XX/2023 This Complain is related to my last complain XXXX. XXXX I opened my online banking to see that XXXX deposits become {$67000.00} that means part of my savings has returned to my account!!! so I decided to save the saving because I lost trust of the bank and made wire transfer to the same account in XXXX ( XXXX XXXX XXXX attached transaction {$60000.00} on XXXX XX/XX/2023 ) and I also made internal transfer to my real Estate Company ( his account also in Bank of America Attached transaction {$1500.00} on XXXX XX/XX/2023 ) now my checking account is {$6900.00} after making the two transactions, so the shortage amount in my deposits now is {$180000.00}, please keep in mind that all my transactions after selling the house was to my niece account XXXX XXXX XXXX in XXXX and only {$1500.00} to the real Estate company bank Of America, I am cleared of any other suspicious movements in my account in this complain and my last two complains No. XXXX and No. XXXX please treat this complain as priority and I am waiting for investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
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: Trouble during payment process
Subissue:
Consumer Complaint: Bank of America was not applying our payments to our Loan. This was proven by our Payment Histories. This is the same thing about the Origination date. We built our house in XXXX. That's the Originated date, not XXXX that Bank of America is reporting. The biggest FRAUD!! took place during the Closing of refinance on XX/XX/XXXX with my husband XXXX XXXX XXXX. The Closing took place around XXXX pm that night. He had just gotten off from work and when he walked in he was expecting XXXX. My husband was told that XXXX Bank was refinancing the Loan not Bank of America! When he came into the room it was him and the XXXX lady. They were the only 2 people there. My husband said some things she explain and some she didn't. The Document " Wavier OF BORROWER 'S RIGHTS '' would allow Bank of America to take our house anytime they wanted to. NO!! that was never explained. That's why copies of HUD 's Loan numbers and Case numbers are blacked out except for the last 4 digits on some of these documents. HUD couldn't be a part of this Mortgage scan! The only problem is that my original copies are not blocked out. This was premeditated. I file Lawsuit with XXXX XXXX in XXXX. I have always said this was retaliation and that my family was XXXX. We were so focused on payment history. We forgot the main focus which is payment history. Is CFPB going to ask Bank of America where are the payment histories for the years XXXX, XXXX, and the entire year of XXXX XXXX XXXX? XXXX XXXX and Bank of America have lied on every answer of this CFPB Forum. Provide Documents showing this was not a Refinance. Show documents showing this house was not built in XXXX. I also find out this house was in foreclosure twice in XXXX and XXXX. I also found out you don't have to go through the foreclosure procedure you can put it in without notice or Sale Date. Bank of America went back and forth between BAC and them. In XXXX my husband was bringing home {$7000.00} dollars a month. I was bringing home {$3000.00} a month. One year BOA didn't send us a Federal Government Mortgage Interest Document. Then the next year they sent a statement and it was double. It was doubled to around XXXX. XXXX saved us. BOA was coming at us from every direction. I have XXXX XXXX XXXX XXXX and both were active. I had XXXX in XXXX places in my body and didn't know it. I knew I was sick, but I didn't have time to care for myself until it was almost too late. Bank of America came at me and my family Hard. We have never missed a mortgage payment. This was not my first house. I bought my first house when I was XXXX XXXX XXXX. My daughter went to Bank of America to finance her first home at 24 years of age. BoA had a first-time home buyer program she applied for Loan with BOA and qualified. She had XXXX credit. She applied and got approved. Then 3 days before Closing she calls crying. The officer at the Bank called and told her we can't do this Loan find someone else!!! No explanation was given. Her Boss who is Caucasian called the Bank and ask if they were redlining her. That was when I realized we were XXXX. This has been a XXXX ordeal. My son graduated from XXXX XXXX and has 2 degrees he can't get a call back for a job. If you put my name in the XXXX it comes up as having been on a Watch List!!! This Case should be easy to prove. Show the documents for XXXX Histories for the years XXXX and all of XXXX. The Bank 's responsibility is to keep all the documents that go with the Loan. It is not to pick and choose what documents you will use to take someone's house to make a profit for your Investors View full complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX credit card account. I called to close the account in XX/XX/XXXX. Without any notice to me, XXXX XXXX XXXX charged an additional {$23.00} to the account and did not close the account. Because I had no notice, XXXX XXXX XXXX listed the account as unpaid and in XX/XX/XXXX reported it on my credit report. I attempted to resolve their error but was rebuffed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
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: Closing an account
Subissue: Can't close your account
Consumer Complaint: I started receiving emails on XX/XX/XXXX from Bank of America. They emailed me and asked me to confirm my email and then emailed and said Congrats youre signed up for online banking. The problem is that someone is using my email address to fraudulently open Bank of America accounts. Ive tried calling but I cant reach anyone because I dont have an account number. Ive emailed their XXXX email but they have not responded. Ive called their fraud number but same thing that has been no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
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: Deposits and withdrawals
Consumer Complaint: I am writing to file a complaint with the Consumer Financial Protection Bureau regarding my account with Bank of America, which has been frozen since XX/XX/2023. Despite multiple attempts to contact Bank of America 's customer service, I have not received a satisfactory explanation for why my account was frozen, and I have been unable to access my funds or pay bills that are due. I have a bill pay feature on my mobile banking that I have been utilizing for over a year because my auto lenders offices are about 100 miles away. Because of this inconvenience, once I get this rectified, I am going to have to travel 100 miles every month just to pay off this bill because pretty soon they are going to stop me from having the option to do bill pay because theyve been trying to take money out of this account and have been unsuccessful. m I appreciate your attention to this matter and look forward to a prompt resolution. Please do not hesitate to contact me if you need any further information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02140
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: Deposits and withdrawals
Consumer Complaint: I deposited a check for {$24000.00} on XX/XX/XXXX through a Bank of America ATM located at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. The automated system said that a hold was placed on my funds due to the check being a large amount. When I call to speak with a customer service representative, I still get that message and it says funds will be released on tomorrow, XX/XX/XXXX, however, in my online statements and documents, a letter was uploaded by the bank saying that the deposit was not accepted because it was not properly endorsed. I have made personal financial decisions with the understanding that my funds will be available by tomorrow ( XX/XX/XXXX ), that will very adversely affect me if they are not. These include not being able to pay my XXXX mortgages. They attached only the front of the check and the letter was addressed to my husband and not me. The check was made out to me. THEY ADDRESSED THE LETTER TO MY HUSBAND ONLY! Now my check is not being returned and I am being told to contact my client who issued the check. I am very upset because I properly endorsed this check using my name -- XXXX XXXX -- and believe I am being discriminated against as a XXXX woman, because of the amount of the check and the branch where I deposited the check. This branch is very close to my home and I have been depositing checks this way for over 23 years at this branch. My husband and I share an account and they assumed it was his check and addressed the letter to him and not me. The fact that they are holding up this check will now result in both of my mortgages being late. They told me to wait for the letter in the mail, which can be 10 days and then come into the branch with my ID and sign and then it will be held for another 7 days. This is unfair. This branch is only open from XXXX, which also makes it very difficult to make it inside the bank. This is why I regularly deposit checks through the ATM. Now I do not trust that process at all. This is not the first time there has been a problem with me depositing large amounts of money at this branch. They highly scrutinize and hold the checks for longer than usual times, but this time they flat out rejected the deposit and never showed any proof that the check was improperly endorsed. Please, any assistance that you can provide is appreciated!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
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: 2023-05-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I went to the ATM for a check deposit for my sister who is the payee. She endorsed the check to me and I deposited the check in to my account. I received an ATM slip that stated the funds would clear on XX/XX/XXXX. On Monday XX/XX/XXXX I randomly checked my account for a payment I was expecting from my business and noticed that my account was in the negative so I went in to the nearest branch to find out what was going on. The gentleman that assisted me told me he wasnt sure why my whole account was on hold and gave me a print out of his screen as well as a direct number to the fraud department. He also told me that I can send a receive funds through XXXX only. That was false I couldnt pay or receive anything, I tried using cash app and couldnt because of a the bank. I called the fraud department and spoke to an agent who told me that my account is under a 48 hour review for suspicious activity and I let her know theres nothing suspicious for me to report, I personally deposited the check and my sister endorsed it to me. The lady told me she didnt have any further information so I asked for a superior. The supervisor got on the line and stated she has no information but my account is under a 48hr review so within the 48 hours the hold will be released and to call back at a later time. Though I was very upset and didnt know what I was going to do to feed my family, pay my bills etc for the next 48hours I went a long with the process since I know this isnt fraud on my end. I called back on XX/XX/XXXX between XXXX to check the status since Ive been checking my account every few hours for the past 48hours to see if the hold was released and it wasnt. The representative told me its still frozen and they should be working on it as we speak so call back a little later. Now Im getting XXXX because I know something isnt right. I then receive a call from the fraud department at XXXX stating they need to verify the check and did I know who the payee is and I told the lady yes it is my sister and she is the C.E.O of our very famous family business and she is the person that endorsed the check to me. The lady asked for her phone number which I have it to her and she asked me to inform my sister that they will be calling so that they can get an answer. They called me sister moments later and it was nothing but silence on the line. The call disconnected. My sister called back and got the credit card department. She told the representative that she just received a call but there was no one on the line so she is returning the phone call. The agent asked for her account information and she told her that the account was in her sisters name ( me ). She is calling to verify a check. The agent said you need to have your sister on the line as well to verify so you both need to be on the phone. My sister then called me on the conference call. We were both on the line and we were transferred to another agent who was unaware of the phone call that I originally received because there was no record of the call. I explained again what was taking place. The agent read the notes and stated that she will send us to the right department. My sister and I was transferred a third time to another agent that stated nobody called me or my sister because there was no record of the calls, and I was adamant on the call that I received with a specific time the agent stated that was not OK for someone to call me and and my sister and not notate it giving a reason why, and that she ( the agent ) will file a complaint against that person ( the other agent ). The agent then goes on to say, let me speak to my associate to see if you can receive further assistance because I can not help you in this department so we were retransferred a fourth time. The last gentleman that got on the line stated that my account is still frozen and it is under review by an internal department. I then said the review should be over by now. It has been 48 hours. Can you tell me what is going on we have verified all the information that you have asked, why is my account still frozen and who called me at XXXX requesting to speak to my sister to verify that she endorsed the check over to me is this fraud taking place? Are you even with the bank? The agent stated yes I am and you received a call from one of our agents because she wanted to verify and notate that so I will update your account and let the agent know that you and your sister did verify you can call back later today to check the status of your account. Finally the agent said if your account isnt released by the end of the day you can file a complaint, we ended the call. I waited a few hours and called back. I spoke to an agent who said the same exact thing to call back within 24 to 48 hours because my account was still under review. I then stated this is the same thing that I was told on Monday. Today is the 48 hours, the agent then said 48 business hours I stated Monday to Wednesday is 48 business hours. He stated he had no further information. I asked to speak to a supervisor. A supervisor then got on the line and I explained what happened again. He checked out the notes. He stated how apologetic he is, and that this situation is very unfair and unfortunate and he wish that there was something more that he can do, but the notes on the account from the internal department states that if I call in to tell me to call back in 24 hours because my account is on an extended review, I then asked why has this been extended when I have done everything you all have asked I can not feed my family. I can not pay any bills. What am I supposed to do? How are you guys going to compensate me for this? The supervisor stated he wish that there was something more that he can do and once the review is cleared and my account is in frozen and I can call back and speak to the financial customer service department to receive additional assistance or compensation for the inconvenience, but that is all the information that he could give me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A