Date Received: 2023-05-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My information was used to try to open an account at a bank. Account was declined. They have a lot of my information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22191
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: They are constantly changing my payment and they know I am doing XXXX treatments and my family helps getting my payments to them. A couple of months ago their system was down and they couldnt take a payment over the phone and they they tried to serve me with court papers until the sheriff was told about it and it was dropped. They constantly called me 5 times a day leaving 4 to 5 voicemails and I have the proof on my phone. They have tried to serve me with court papers several times and each time its been dropped because of wrongdoing of their part. Im getting really tired of this. Just last month I made my payment and yet the next day they called and claimed I owed fees of {$67.00} and then the day after the voicemail claimed it went up to {$100.00} now Ive two voicemails in the same day stating its {$250.00} and they are calling again making it a total of 5 calls and 3 voicemails now and its not even XXXX. This is complete harassment they are going to cause me to lose my job Im not allows this many phone calls. Please help me.
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: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Over the last several weeks, I was told by my bank account ( s ) had charge attempts on my accounts. Multiple times I worked with them and they credited my account! Forced me to consolidate into only one checking account. Issued new cards multiple times went through prof of identity at the bank two times. I was working with the fraud department for many hours many time, over several weeks. The last time they allowed the changes. They wont work with me, or listen to me anymore. They claim Im liable? This was a Bank Of American account Ive been a member from 2008. The charges are from overseas after they assured me it could not happen again! I have never made a purchase out of the country or used any of the services that the charges were made from!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92025
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I refinanced back in XXXX with Home Point Financial at which time a deed of trust ( XXXX XXXX Courts, Maryland ) in Book XXXX Page XXXX with HUD in the amount of {$91000.00} was paid with the proceeds of that loan. When Bank of America , N.A . did a modification in XXXX they did not property file documentation with HUD so when HUD released the lien, they released the initial partial claim lien and not the lien for {$91000.00} that was filed on XX/XX/XXXX ; which originated on XX/XX/XXXX, signed on XX/XX/XXXX. We need a release in order to file secondary financing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XXXX XXXX XXXX XXXX XXXX erroneously paid, through their online bill pay account, the Bank of America {$700.00} for a payment that should have gone to XXXX XXXX. When I found out I files a payment dispute with both banks. XXXX said that they couldnt do anything about it. Bank of America told me that they could put the money back into my checking account from which it came in 7 to 10 days. This was on XXXX XXXX. After 5 or 6 calls to Bank of America they told me that it was in process. The last cal they insisted that they gave the money back to the payment service used by XXXX on XXXX XXXX XXXX I called the payment service on XX/XX/2023 and they said that no such payment was ever received and that they had unsuccessfully tried to recover the money from Bank of America when the original payment dispute was files. I have called Bank of America numerous times and they just keep cutting me off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: Bank of America won't send me my new card with collections money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93710
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Subject : Formal Complaint - Bank of AmericaXXXX XXXX XXXX and Service Issues Dear Consumer Financial Protection Bureau , I am writing to lodge a formal complaint against Bank of AmericaXXXX XXXX for significant service and accessibility issues that I believe violate my rights under the Americans with Disabilities Act ( ADA ). As a customer with multiple XXXX, which render prolonged phone conversations difficult, I have encountered a severe lack of accessible communication methods with the institution in question. My repeated attempts to retrieve my own funds have been met with exceptionally long hold times, reaching up to four hours on several occasions. As I draft this complaint, I remain on hold, reflecting a distressing pattern of non-responsiveness. In my pursuit of a resolution, I scheduled a call with an advisor, only to be redirected back to the same inaccessible line. This pattern indicates a concerning lack of appropriate service and accessibility provisions, constituting a clear violation of the ADA. This systematic hindrance, coupled with the institution 's apparent disregard for my concerns, gives me reason to believe this could be a deliberate attempt to discourage customers with disabilities from accessing their own funds, forcing them to continue using inadequate services. Having trusted this organization with my funds twice, I am dismayed by the lack of proper service and disregard for my rights as a customer with XXXX. If this situation persists, I am prepared to pursue litigation to assert my rights and retrieve my money. I respectfully request the CFPB to investigate this matter and enforce the necessary measures to ensure Bank of AmericaXXXX XXXX adheres to the regulations set forth by the ADA and provides appropriate service to all customers. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46901
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Somebody stole my information my identity stole my XXXX card I guess and spend up everything I had I guess that's what Bank of America told me everything was fraud I keep showing them gave them police reports did everything under my power and they still deny me when is supposed to be zero liability when all this was fraud they put cars in my name use my XXXX XXXX XXXX and it's a lot of stuff I'm going through and I showed them all that and they still want to deny my claim and I'm doing the best I can
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94587
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I open the bank account on XX/XX/2023, I made few transactions no more than {$5.00} then on XX/XX/XXXX I deposit {$100.00} into my account, I went to the store to make a transaction and it was declined twice I was trying to get my son some work shoes. I went to the local branch they couldn't assist me I talked to about XXXX different representatives they keep giving me a generic answer that my account is in review and my funds are frozen I can only deposit money into the account. I message the chief executive, he haven't reply back either, I just want my bank account unfrozen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29418
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had been with Bank and America for 16 years and had some problems with fraud a few times. The last time was outrageous. I immediately reported it to the bank and filed a police report. They crested another account but it was still attached to the original one that was hacked into. I asked them to separate it so I could move my funds over and close the hacked account. They continued to freeze the old account but you could still access it through their main portal and then get over to my new accounts. I continued to have fraud issues and all they did was change my username and password. One day a someone cashed a check in my name out of my account. I immediately called Bank of America and at that point the agent asked me as to which username was me. I told them I only had one username that they had provided me. Unknown to me there was another username on the account that they knew about and the person was freely taking money out of my account and using XXXX as well. Not only that but they had issued checks to this person. I told them since it started that I was the only user of the account yet no flags were set off after continuously changing my name and password and dealing with fraudulent activity. I lost thousands of dollars to both Bank of Americas negligence and the theft that was being committed. The police said it was not a matter they handle and Bank of America took no responsibility for it. Then suddenly they shut down my accounts without contacting me until after the fact. Without an explanation everything was closed and on top of that they reported me to other banks. I am XXXX and on medical XXXX so this entire process was a mess and very stressful, not to mention the amount of money that I lost in the process. None of this would have happened if it were not due to their negligence and mismanagement of my money. I dont understand how this could happen and why I was blamed. Some sort of action needs to be taken because if this happened to me, I am sure I am not alone. On top of it I am out thousands that I desperately need for my healthcare. I need help and advice on what action can be taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77505
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A