Date Received: 2023-05-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Bank of America took my money after my deposit and gave it fraudulently to another by honering their fake checks made with my pay check information. Removing my funds from my account and sending it to the fraud person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Around XXXX or XX/XX/XXXX. I was notified that I qualify for XXXX benefits from North Carolina. I had requested them to go in my regular checking account but for some reason they went on the prepaid Bank of America card. My account was unexpectedly and with no communications from Bank of America, frozen and take a -XXXX and some dollars. It was left that way I believe until XX/XX/XXXX and this happened and XX/XX/XXXX me and my son had just moved into a place after previously losing our home and XX/XX/XXXX. But due to the neglect and poor diligence of Bank of America, we were evicted after our power being disconnected in XX/XX/XXXX because of the coronavirus and the presidents order to not leave our XXXX, unless we were healthcare worker to go to work I have no other options or other means for survival. Not to mention that my mother was in her last year of her life fighting her battles battle with XXXX XXXX. Bank of America has absolutely destroyed my life. My son had to be placing another family members home due to me not having a home I slept in storage buildings I walk the streets, lost any bit of respect I had for myself and dignity. I have been humiliated I have begged I pleaded with Bank of America to assist me in getting this resolved after two years now they still have not gotten anything completely resolved. Ive had three people reach out to me for Bank of America supposedly to resolve this matter that each one of them cause one time, and I never hear from them again
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28715
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
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: XX/XX/XXXX I was charged {$280.00} on my Bank of America Travel Credit Card by vendor XXXX XXXX. I had only authorized a {$50.00} transaction, the remaining {$230.00} was added onto my bill without my authorization or consent. After explaining this to BoA XXXX ( 7 times over 2 months ) The amount was frozen on my ledger and a dispute was put in place. The dispute was denied. I have been attempting to challenge the dispute for the past 4 weeks. I've requested twice for proof of my authorization to be sent to me for my review. BoA has failed to send me proof of any signatures or any authorizations of the charge from my behalf. They sent me an EMPTY envelope about the dispute with NOTHING in it. I have tried countless times to resolve this, both with the restaurant/bar and with BoA, BoA has been incredibly rude to me, explaining that they have the receipt of the transaction ( obviously? ) but is incapable of sending me any documentation or proof with my signature attached. I was at this restaurant, and i approved the {$50.00} purchase. I did not approve any {$230.00} additional amount that was added on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91505
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: On XX/XX/XXXX, I was notified of a fraudulent charge on my credit card which led to cancellation of the card as a precaution. While attempting to call and report the charges, Bank Of America customer service stated that they could only verify my identity via an outdated phone number on their system. The phone number in question was discontinued and removed from my contact information in XXXX after my relocation with the military to XXXX. The representatives stated that that phone number was the only way to verify who I was and as such no further assistance was offered other than personally going to a branch with " XXXX forms of IDs ''. On the bank 's website, they advertise to have multiple international locations " all over the globe ''. However, this is false as the reported global branches are only for Corporations and Investment Banking only. The branches in XXXX, XXXX, XXXX, and XXXX were all contacted who confirmed that no personal banking needs would be met. At this time, all my access to my accounts were restricted by the bank of america, hence, I could not withdraw, transfer, or access my accounts at all ; leaving me in XXXX without any funds. Given the dire situation, I managed to fly to XXXX for XXXX day to confirm my identity as requested. During this visit, the financial branch updated my information with a new phone number in order for me to receive verification codes via phone. At this time, I only could get access to mobile banking which was limited to only paying bills. No funds could be transferred to withdrawn while pending debit and credit cards being mailed. On XX/XX/XXXX, I was alerted to an activity on a credit card which was just mailed. I contacted the bank, however, was told that the new phone number could not be used because it was not verified, and as such no assistance could be given. XXXX agent stated, " your inconvenience is not our priority '', hence, again I am restricted. Below, please find my efforts to contact and resolve the situation with the bank : The phone customer service, credit card services, and fraud services were contacted on the following dates and times : XX/XX/XXXX at : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at : XXXX XX/XX/XXXX at : XXXX ; XXXX ; XXXX XX/XX/XXXX at : XXXX Emails were sent to : XXXX; Finally, I flew to US on XX/XX/XXXX and XXXX on XX/XX/XXXX believing that this had resolved the situation but appears not. I am unable to fly to the US because the institution does not have appropriate security measures especially since going in person appears not to matter. Thank you for your time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: New account opened with BofA. Card stolen from homeless shelter and BofA wont address fraud XXXX put a hold on a U.S. Treasury Social Security check of {$2600.00} until the XXXX. They show I withdrew cash on at least XXXX occasions ( XXXX and XXXX dollars ) which is fraud. They refused to give me money, hold on money, and wont close account until the check of XXXX clears which is ridiculous! All Ive gotten was {$6.00} from my account!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92833
Submitted Via: Web
Date Sent: 2023-05-09
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: XXXX XXXX had called me and aslo Bank of America about the situation i told then to immediately shut down the bank accounts now im finding out the person made even more bank accounts in my name and tried to cash fraudulent checks in my nane
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06606
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2023, I was notified by email that an account was opened at Bank of America. I went into a branch to make sure this account was closed and marked as fraudulent. I also contacted XXXX to place a freeze so no further bank accounts could be opened. I subsequently received additional emails concerning the opening of accounts in my name. On XX/XX/2023, I was notified that another account was opened at Bank of America. I called once again to have the account cancelled. I have received physical mail, including XXXX debit cards, about newly opened accounts in my name. I'm very upset that accounts have been opened when I had a freeze on my account with XXXX. I want to know why this happened and I want it prevented not only for me but for other customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07751
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I paid for a room at the XXXX XXXX XXXX XXXX, NC, XXXX through XXXX. I have attached the first CFPB complaint which was closed with nothing being done as of this date. CFPB Complaint # XXXX was also closed with nothing being done as of this date. The reason XXXX ( XXXX ) separate complaints were filed was this writer failed to include Bank of America in the first complaint so I filed a separate complaint. Both complaints were closed with no outcome and I have not received a refund from either, Bank of America, XXXX XXXX, or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2023-05-09
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 got a series of emails from Bank of America on XX/XX/23 asking to confirm my email, welcome to online banking, and the online banking account could not be opened- you will need to visit a branch and bring form of I.D . I do not have any accounts with Bank of America, only XXXX. I went to a Bank of America branch on XX/XX/23 and they looked up any accounts linked to my social security number and one popped up. There were no funds in the account and the address on file was an old address I used to live at. Bank of America stated I was the 5th person to come in recently to have this happen to. They advised me to freeze my credit and/or request a new social security number. I called XXXX, XXXX, and XXXX to place a freeze on my credit. I also filed a case with the FTC for Identity Theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Around XXXX I inherited a position at an organization. I was handed a stack of mail that said our BofA account was going to unclaimed property because the previous president of the organization was not responding to the bank to see if we still wanted out account. XX/XX/XXXX I met with XXXX XXXX at the XXXX XXXX. I visited a branch in person was told that I could not complete my transaction at the branch and that I needed to provide additional paperwork. She told me that she would forward me to XXXX XXXX who would be able to get my problem solved over the internet. ( It is important to note that I had everything that was required to move the other organizational accounts with XXXX XXXX over to me. I have no idea why BofA was requiring extra steps. XX/XX/XXXX I get a packet from XXXX. I am told to go to a BofA and get my signature card notarized. I tried to make appointments at all of the branches close to me and could not get an appointment. There is no way to call and get an appointment and the online system says no appointments available in the next 2 months at any of the locations in the XXXX area. XXXX I walk into the XXXX XXXX XXXX. They tell me the only reason why no appointments are available is due to staffing issues, but XXXX XXXX will have a notary and make an appointment. I make the appointment, I put online to call me if there is no notary available, as I did not want to waste my time again. XXXX I go to XXXX XXXX at my appointed time. I get told to wait ... after about 10 minutes the business banker comes out to me and says that he knows he was supposed to call me.. but he didn't and they don't have a notary available. I just want access to my money. I am wondering how to get it! I do not believe that BofA has the ability to help me get access to my money. My time is very important to me. The least they could do is get a notary and schedule with me. The least they could have done is call me to let me know that they needed to reschedule my appointment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97223
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A