Date Received: 2023-05-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 a check for {$4000.00} was deposited into my Bank of America account ( that I had not been using due to it being in the negative ) by mobile. On XX/XX/2023 I noticed {$4000.00} in my account. I do not know where it came from, who deposited it, nor how it was able to be deposited in the first place. However, I naively transferred the money out not realizing the extent of the situation until my account was then flagged for fraud, closed, and then I was contacted by police on XX/XX/2023. Prior to this, I was unfortunately a victim of my card information being stolen and used to obtain {$840.00}.
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: 2023-07-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: So, I made a car loan payment of {$92.00} on XX/XX/2023 and it seems five days later on this day of XX/XX/2023 my balance still shows {$12000.00} meaning my principle balance has not lowered to XXXX. I think Bank of America is hearing some bad gossip about me and holding accountable and making my an unfair price of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America Account ending in XXXX was paid off as agreed. XXXX XXXX XXXX was all the payments made as agreed. Almost 1 year later they say I have a balance of XXXX or more. I called back sent over the payment history and they confirmed a glitch in their system. Talk to them XX/XX/2023 they saying its a balance of {$300.00} but my credit is say XXXX balance. Conflicting stories. Please help I feel helpless like Im being taking advantage of. I paid {$540.00} for 12 months as agreed now they saying they dont see it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38118
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: Sent a wire transfer on XX/XX/2023 for {$4800.00}. Cancelled the transfer on XX/XX/2023 thru BOA Customer Service that afternoon. Was told that the transaction was cancelled and there would be a {$25.00} service fee charged back to my account. To me this was a confirmation that the transaction was cancelled as requested. Called on XX/XX/2023 and was told it would take a few days for the money to be returned. Called on XX/XX/2023 and was told it take 4 to 5 days for the money settle. Called on XX/XX/2023 and was told that there is no time frame. Called on XXXX and was given the XXXX XXXX phone # and was told to call them Called XXXX and they could not give me any information. Called back on XX/XX/2023 and was told that the case was being escalated. Called back on XX/XX/2023 and was told that my initial call to customer service was not correct. The initial associate should have told me that nothing was guaranteed. This was told to me by Supervisor XXXX, she told me the Compliance Department would call me by XXXX that day. No one called. Called back on XX/XX/2023 and requested that Compliance call me. As of today, no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2023 I had a XXXX XXXX, XXXX XXXX XXXX XXXX and online XXXX XXXX I told her what I was going on with my life which is pretty much that I have told United States Human and Health Services and many other agencies and she did not seem concerned about anything I said. She started asking me questions about my past and I did answer because she had me believing it would better understand my condition During the whole session, she did not have any opinion or insight. Also she never gave me a plan. She did say I did need medication and that my pharmacy will have this afternoon. Will the prescriptions never have showed up at the pharmacy. There is no prescription at my pharmacy. Also, I the next day looking at the online XXXX website and it says my provider with review my information and respond to accordingly This XXXX XXXX said it would be taken care the same day as the appointment we had. I had a paid membership and none of XXXXXXXX XXXX part of the agreement was fulfilled. I thought to myself I have been lied to yet by another business and even another Medical Center. When will this nightmare ever end? I made an debit card dispute with Bank of America and the funds reversed back into my Bank of America Credit Card a week later. Now as of XX/XX/2023 there is a charge back to XXXX of {$95.00}. I do not think XXXX should be so unethical and keep this money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I do not have any accounts, personal or business with bank of america but there is a hard pull on my credit from XX/XX/2022 that I would like to get removed from my credit report please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Bank of America sold my credit card account to XXXXXXXX XXXX which I can not find any physical bank locations for XXXX other than online or calling by phone, and apparently XXXX is owned by XXXX XXXX which sounds like a fictitious bank holding company to me. I am trying to get copies of statements from XXXX and XXXX. XXXXXXXX XXXX says they don't keep the old records from Bank of America. After a month and numerous phone calls I only received the last XXXX months of XXXX statements from XXXX. Now XXXX says they can not provide anything before XX/XX/XXXX which seems ridiculous to me. I called Bank of America ( and tried to use their online system ) and they tell me that Bank of America can not find my account since it is not in their system anymore and can not help me. I need to produce these statements for a court case and should not have to pay a lawyer to summon the companies to produce the records. Could you please investigate this egregious behavior by Bank of America to sell to an online bank, throw out the records, and the customer is disadvantaged by this. Also, XXXXXXXX XXXX says online that old statements are available by calling a phone number and the people on the phone say they can not help. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91361
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I filed for pandemic unemployment assistance around XX/XX/2020. I received my debit card in the mail on XX/XX/2020. I made several charges using the card on the day of XXXX, but was hospitalized for a XXXX in my XXXX XXXX XXXX on XXXX. My house was burglarized while I was admitted to the hospital. My personal belongings ( cell phone, wallet, ID, SSN card, car keys, tools etc. and identifying information were stolen. I filed a police report to document the burglary. My XXXX account was hacked and compromised, presumably by the burglar. I was unable to verify my ID or regain access to my cell phone service ( and consequently, 2 factor authentication for my XXXX account, XXXX and related accounts ). I assumed incorrectly that the burglar would be unable to certify for benefits and that my money would be safe, until I received tax documentation showing that almost {$30000.00} was disbursed to my account over the course of the pandemic, for which I am legally liable, despite having never received them. I have filed identity theft affidavits with the IRS, FTC, and all three credit agencies. I have several accounts on my credit report that were opened fraudulently, and disputes are ongoing. I attempted to contact Bank of America in order to dispute the fraudulent charges made to my account. The customer service agents I spoke to ( over half a dozen calls, at least an hour long each ) incorrectly filed my dispute as two separate disputes, and for the wrong amount, omitting almost {$10000.00} of transactions I told them explicitly were fraudulent. The claims, which were defective in the first place, were ultimately denied despite the preponderance of evidence showing the charges were fraudulent. I have also attempted to have a new debit card mailed to me so that I can access the remaining balance on the card, and despite receiving emails showing that my card had been mailed, i never received it. I called two weeks later and was informed that there is a block on my account and that I would have to verify my ID in person at a local branch. However, I was able to verify my ID multiple times ( 10+ ) while filing the disputes, answering security questions, etc. Suddenly they are unable to verify my ID. My attempts to escalate my calls have been answered by customer service reps hanging up the phone on me multiple times, requiring me to completely start over the process of filing the claim multiple times. I have spent a ridiculous amount of time on the phone with bank of America for nothing. I have a valid ID.me account that they refuse to accept as valid identification despite having used the service in the course of verification for XXXX in the first place. Bank of America has, in effect, allowed fraudulent charges to be made by another individual, which I am explicitly protected from by the terms and conditions of my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93309
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was fraudulently induced into sharing account access information with a third party and that party used that information to make a EFT from my account. Therefore this isn't an authorized EFT from my account I received a text and a call from a Bank of America fraud representative from the Bank America fraud number ( which I XXXX and the number was confirmed ). The txt and representative asked me if I authorized charges in the amount of {$2800.00} and {$650.00} to a name I did not recognize. I stated I had not and the representative took me through the steps to reverse the charges and re-secure my compromised account. When I realized it straight away it may be a scam, I alerted Bank of America through the small business number as this was from my small business account. The transactions were unathorized XXXX transfers through Bank of America. I have filed a claim through Bank of America. As discussed in Electronic Fund Transfers Error Resolution : Unauthorized Fund Transfers Question 1, Regulation E defines an unauthorized EFT as an EFT from a consumers account initiated by a person other than the consumer without actual authority to initiate the transfer and from which the consumer receives no benefit. 12 CFR 1005.2 ( m ). Comment 1005.2 ( m ) -3 explains further that an unauthorized EFT includes a transfer initiated by a person who obtained the access device from the consumer through fraud or robbery. Similarly, when a consumer is fraudulently induced into sharing account access information with a third party, and a third party uses that information to make an EFT from the consumers account, the transfer is an unauthorized EFT under Regulation E. For example, the Bureau is aware of the following situations where a third party has fraudulently obtained a consumers account access information, and thus, are considered unauthorized EFTs under Regulation E : ( 1 ) a third-party calling the consumer and pretending to be a representative from the consumers financial institution and then tricking the consumer into providing their account login information, texted account confirmation code, debit card number, or other information that could be used to initiate an EFT out of the consumers account, and ( 2 ) a third party using phishing or other methods to gain access to a consumers computer and observe the consumer entering account login information. EFTs stemming from these situations meet the Regulation E definition of unauthorized EFTs. Thank you for your help in promptly resolving this matter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30306
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I dont regonize this inquiry. XXXX Date of inquiry : XXXX XXXX XXXX XXXX
Company Response:
State: NC
Zip: 27893
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A