Date Received: 2023-05-10
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Unauthorized purchases totaling { {$22000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XXXX of XXXX. On XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX of XXXX, and in my requested my claim packet before this claim was to be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within XXXX days of me filing a dispute.and stated I only have {$7.00} on a card I never spent unemployment on and been waiting the last 3 years, There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed XXXX days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their XXXX benefits. They tried to tell me I have to confirm my identity after I just got the new card because the original card was hacked or stolen, I wrote the company my phone died talking to escalations they made it very hard to place the claim which I have stated in 3 closed complaints before this one the card finally came in the mail aboutt 80 days ago and I activated it when the other dispute packets came in which I will tag to this dispute, didnt want to activate it online due to not getting it last time and last time somehow it was activated and used its been mail theft and internet theft in my area and Im pretty sure this is what happened, I have the new card and still cant get help, this is due to the bank not wanting to work with me about true matter and stated I never put a claim in but again I was hacked and could verify myself until XXXX in the bank eyes, asked me to verify myself due to not having a card this is pretty crazy I got the card now still attached in the envelope. I will not accept 90 more days asi will like to seek max penalties towards Bank of America for trying to send the investigation packets as if The thiefs never happened asked me to call back in and go trough verifying myself but cant due to no one understanding whats going on, when I call the number that is given on the complaint and extension due to my privacy Bank of America tells me its not a number they transfer to and is unsafe, Total run around, the claim had to be restarted due to the bank not verifying me and is in denial of the law wanting another 90 days, please in force a fast reply would like to apply max penalties if no response within 10-15 days in the portal due to what the law is as well as make any response public as they dont want to talk to me when I call.and a bunch of back and forth calls to a regulator that not even on the same time as any clients, let taking it goes straight to a message to even reach a regulator for this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I was not able to log into my Bank of America account. I called and not only did it take over an hour to get connected to someone but I was disconnected two times. When I finally got ahold of an actual person they made me wait for about a few minutes just to inform me that they were going to close my account, no reason why. I figured its due to fraudulent activity because my account was compromised. Instead of verifying with me or setting up a new account to make sure nothing like this happens again they chose to just close my account entirely with funds still in it. I also had two ongoing claims with Bank of America for the total amount of XXXX. The claims were submitted in XX/XX/XXXX and it has been well over XXXX business days with no update to the claims whatsoever. It was two unauthorized transactions. The level of unprofessionalism and no transparency at all with customers is mind blowing to me. I will be telling everyone Bank of America is by far the worst brick and mortar bank to work with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
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: Getting a credit card
Subissue: Application denied
Consumer Complaint: This is the letter I sent to Bank of America 's corporate office. XX/XX/XXXX Corporate Secretary Bank of America Corporation Bank of America XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TO WHOM THIS MAY CONCERN RE : My Relationship with Bank of America I have been a customer of Bank of America since XXXX. I have been in good standing for XXXX consecutive years! I am XXXX years of age and had the misfortune of encountering financial difficulties with housing, transportation, and serious medical issues during XXXX. I was compelled to file XXXX XXXX of the Bankruptcy Act. Because of my long-standing relationship with BofA I did not permit BofA to suffer any loss at or since my filing. I filed in early XX/XX/XXXX. In an effort to rebuild my credit I accepted the recommendation of BofAs online solicitation and applied for a credit card. I live in XXXX XXXX Oregon more than 100 miles from XXXX XXXX and drove to the bank to make application. This is the closest BofA office to me. It was denied. I then returned to XXXX BofA and one of the officers walked me through the process of applying for a secured credit card. I immediately made a {$1000.00} cash deposit for the security. ( See letter from BofA dated XX/XX/XXXX, enclosed ). I never received a card, nor any correspondence regarding the application other than the aforementioned letter. I once again returned to XXXX BofA ( a XXXX mile round-trip ) for the third time. I again met with an officer who stepped me through the filing of another application for a secured credit card and made a cash deposit of {$500.00}. It was rejected immediately. Much of my income is derived from Social Security benefits ( {$1800.00} ) and XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX ) {$2800.00}. Both sources of income are deposited directly to my BofA account and have been since I retired in XXXX. I now have as my only debt a balance on my XXXX of {$42000.00}. In addition I own my home and have a XXXX mortgage. So I do not see how economic and loss trends would apply to my financial situation or be a risk to BofA. As for my relationship with BofA, I have never bounced a check during the XXXX years. I have used Bill Pay since its inception and have never missed a payment or been late making a payment to any creditor, including BofA when I made use of its lending programs including transfer of debt from other creditors. I am baffled by BofAs rejection of my applications for a secured credit card! Perhaps BofA is using AI ( artificial Intelligence ) or other algorithms and this is the reason for the rejections. I would appreciate hearing from someone regarding this problem. I have applied for and received a secured credit card with XXXX XXXX. But I would appreciate the opportunity of continuing my relationship with Bank of America. If there is a sound reason why I am being denied this opportunity to rebuild my credit profile with Bank of America, I regret then that I will have no choice but to terminate our relationship. Sincerely, XXXX XXXX XXXX XXXX : Letter from BofA referencing my deposit for a secured credit card. I applied for a credit card at BofA 's invitation. I was DENIED, UNDERSTANDABLY BECAUSE XXXX months agoin XX/XX/XXXX I filed BANKRUPTCY. I had a XXXX balance debt with BofA. In fact I had overpaid and left {$140.00} in so I had a debit balance., ( They sent it back to me in late XXXX. I applied fir a secxured card XXXX and was told that BofA considered my relationship but they did not. When I spoke to the credit card dept I was informed that relationships are NOT xconsidsered but just the credit report. Here is the second letter : XX/XX/XXXXXXXX Corporate Secretary Bank of America Corporation Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TO WHOM THIS MAY CONCERN RE : My Relationship with Bank of America I sent the enclosed letter to you on XX/XX/XXXX and did receive a phone call from a staff member in your credit card department ( XXXX ). His suggestion was to submit another application for a secured card which I did over the phone and it too was immediately rejected. The gentleman explained that acceptance or rejection was depending on my credit file and had nothing to do with my relatiponship with BofA. He explained that because I had filed for XXXX XXXX of the Bankruptcy act I was being decline for a secure credit card regardless of the amount I deposited. This is certainly not your grandfathers BofA! After closing my account I feel I have an obligation to use the internet to warn those considering establishing a relationship with BofA, to first consider how I am being treated. You should delete the paragraph in your rejection form letter that makes reference to BofA considered your relationship with us ... because your credit card employee said that is not true. XXXX XXXX XXXX Enclosure letter Dated XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 976XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Sharing credit information with unauthorized parties, this isnt legal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 196XX
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: Problem making or receiving payments
Consumer Complaint: I made a payment to XXXX XXXX Department of Water and Power Via bill pay for XXXX dept do water power states they didnt receive payment. I requested proof of payment from Bank of America. I contacted XXXX and they stated payment not received. Filed fraud claim with Bank of America XX/XX/23 completed affidavit faxed to Bank of America. I contacted Bank of America on XXXX to verify update spoke to a manager XXXX said my case has not been updated since XX/XX/23. So nothing is happening with my fraud case no update or resolution. I am still out XXXX Bank of America has dropped the ball. They cant tell me how long this can take to resolve. I filed a complaint with Bank of America. Case Id XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90039
Submitted Via: Web
Date Sent: 2023-06-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
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: I reviewed my Consumer Reports and noticed that I had 60 day late payments on an account with Bank of America on my XXXX report and a 30 days late payment on an account with Bank of America on my XXXX report but I was never late. Consumer Reporting Agencies has assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account XXXX Bank of America XXXX Please investigate and provide proof with statements showing that these payments were late. If Proof cant be provided, I demand this account be removed from my consumer report as I was NEVER Late. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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 credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/XXXX I received notice from XXXX XXXX cards that my credit line was being reduced due to information reported to XXXX by Bank of America ( BAC ). Upon viewing my credit report in XXXX, I learned that XXXX reported that I missed a payment in XX/XX/XXXX. I reviewed my online statements and bank receipts and they both show I made a payment of {$500.00} was received by BAC on XX/XX/XXXX and I was never 30 days late in XX/XX/XXXX as they reported. I have filed XXXX disputes with XXXX to get the information corrected and each time BAC send different payment information that is still incorrect as of XX/XX/XXXX XXXX dispute # XXXX. As of today, the payment history shows that my last payment before the XX/XX/XXXX statement ( Which was send XX/XX/XXXX ), was XX/XX/XXXX. This is incorrect since I made a payment in XX/XX/XXXX for the payment due ( see attached records ). I was instructed to call BAC and I did XXXX times spending a total of XXXX hours waiting on hold or talking to representatives. Each time they acknowledged a payment was received on XX/XX/XXXX but failed to send the correct information to the credit bureaus. I believe BAC is not acting in good faith and is trying to cover up an error that their transaction data reporting system made. I believe they have violated credit reporting regulations. This has ruined my credit and put me in financial risk as my XXXX XXXX and history prevented me from receiving a capital loan for my business as well as caused other creditors to reduce the amount of credit I had available. I am seeking restitution and for the correct payment history information showing my XXXX XX/XX/XXXX payment to be sent to all reporting credit bureaus asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23112
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email this morning to my email address at XXXX advising me that I had been enrolled for Online Banking and a Checking Account through Bank of America. I have never used Bank of America in my life. I attempted to call and report the fraud to them, but they will not allow me to speak with anyone without an active account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
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: Closing your account
Subissue: Company closed your account
Consumer Complaint: This was a XXXX or XXXX month XXXX interest credit card with a XXXX credit limit. I paid off my credit card XXXX XXXX XXXX. And my account closed on XXXX XXXX XXXX. I'm concerned that this is going to impact my XXXX score. They have no answers. This is frustrating because I wanted to use this card because I still had a few months to XXXX interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85710
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email yesterday from Bank of America stating thank you for opening an online mobile bank account with them and then later that day got an email stating the application was denied. Again this morning, I got an email stating the application to open an online account with Bank of America was denied due to the amt. of bank inquiring about opening an account under my name nad social and the bank relationship that Bank of America has with the attempting bank inquiring about an account. I called Bank of America XXXX and they spoke with XXXX and because an account was never opened they can not do anything about this at this time but I wanted to make sure I had some kind of fraud protection or alert on my social security number
Company Response:
State: PA
Zip: 164XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A