Date Received: 2023-05-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023 I used my XXXXXXXX XXXX XXXX card to pay off my Bank of America Travel Rewards card. XXXX sent it to the wrong account number. I have contacted both banks at least 9 times. They are both aware of the error but will not correct it. I am being charged for the same amount by both banks. XXXX claims they have notified Bank of America about the mistake. Bank of America says XXXX has not contacted them. I gave Bank of America the wrong account number that it was sent to but they say they cant look it up. It is 2 digits off in the third set of numbers from my account number. I cant keep making payments to both cards for the same amount. Please help me. Im retired and on a fixed income. 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: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023, I was trying to withdraw {$1000.00} from my checking account ending XXXX. The bank fraud alert came in via text message on my cell phone ending # XXXX. And the cash was not disbursed due to " Security alert ''. I was told on that Text to type YES OR NO if I am the one who is trying to withdraw this cash. I then typed YES and was told to try again. I then tried again and disbursed {$800.00}. Bank of America took credit for both transactions for {$1000.00} & then {$800.00}. I filed a claim at the Bank of America, and they denied me not to give me credit of that {$1000.00}. I have the entire text message via my text & I even sent that as evidence. Still, they denied giving me the credit of my {$1000.00} credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11432
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XX/XX/XXXX, I found myself unable to pay my credit card bill. Was given online payment assistance options, and after sending a message electronically -- I got a reply days later, asking me to call their payment assistance line. On XX/XX/XXXX, I sent BofA written correspondence, explaining my current financial circumstances and requesting payment assistance. On the XXXX, I decided to take the extra step to call the line -- which then, a representative heard my financial situation, and referred me to a debt settlement program which she referred to as " credit counseling ''. I was transferred to XXXX XXXX XXXX, which then referred me to XXXX XXXX, a debt settlement program which encouraged me not to communicate with BofA and to not pay them a single cent. I didn't think this was right, so I looked at non-profit credit counseling programs. I found InCharge Debt Relief, which helped me work out payment arrangements with three creditors, all except Bank of America, which did not want to work with me, as in their opinion, me keeping more than one emergency credit card open was not acceptable to them. I also have never received a response to my written correspondence. I may use this complaint as evidence, if Bank of America chooses litigation, as I have gone above and beyond to try and settle this debt in a way that is not financially crushing to me, an unemployed ( for 10 months now ) young adult with no income or assets that is currently struggling to pay day-to-day bills, and yet it is Bank of America who has not shown any willingness to settle this matter. I have told you many times, over written correspondence, your recorded lines, your online messaging that, and instead of understanding my hardship, Bank of America continues to remain silent, and request the original payment amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone tried opening a fraudulent Bank of America account in my name initially in XX/XX/XXXX with an incorrect address. Thankfully I had just changed my address so the post office was able to send a document to me stating the type of account and the account number. I got through to Bank of America 's fraud department and had the account closed and thought that was it. However, on Saturday, XX/XX/XXXX at XXXX I received an email about an online account opening. I made it very clear with them the first time around that I am not interested in banking with them in the future ever. One email was sent welcoming me to online and mobile banking and shortly afterwards I received another email stating they are unable to open the account. I figured it was probably flagged due to the incident a few months ago but since I do not have an account number nor access to one I can not get ahold of anyone to report the fraud attempt. Therefore I am reporting it here and want it to be known that I NEVER want to bank with them and they need to increase their security and reduce their fraud especially with it happening again so soon.
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: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In late summer XXXX, I called Bank of America to close a Visa Signature Premium Awards credit card ( ending in XXXX ). I paid my final balance in XXXX XXXX. The company did not close the card as requested and charged me a {$95.00} annual fee a few months later. As I was not expecting bills from this company and they were going electronically to an old email account, I did not see that I had a bill until a few months, when interest had accumulated and my credit report was negatively affected. I called Bank of America again and they told me that they had no record of the account closing and the account was still open. I paid the balance immediately to avoid further negative credit consequences and again asked to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/2021 Bank of america closed my account and on XX/XX/2021 the bank kept my paycheck in the amount of {$720.00} on XX/XX/2021 i first become aware of 5 unauthorized claim charges were submitted causing bank of america to add credit to the account totaling an amount of over {$1000.00} i reported to the bank the bank that i did not make those claims the bank said the frauds team was notified by and automatic alert the moment the claims were being made and they begin monitoring the account the bank stated the claims were made by a phone call to the bank the claims agent failed to follow the procedure to verify the identity of the caller to be who said to be instead the agent matched profile information with the callers inform the caller pretended to be me using my identity while communicating with the agent the claims date back to XXXX XXXX and were all payments i made to XXXX my loan a title loan company who then filed a lawsuit against me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 851XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is a follow on the CFPB complaint # XXXX. Today I received an email with the " XXXX XXXX '' logo in the normal upper left hand corner, again stating that I needed to call or get charged to my account. I did not respond, and deleted this email. Since the original scam, I have changed that credit union account number, as well as my corporate account number, added a new anti-virus software ( XXXX ), and paid for a local software company to take control of my laptop for a " detailed security inspection and malware removal ''. What is CFPB doing to require XXXX XXXX to notified that their logo is continually being used by scammers?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Saturday XX/XX/2023 I attempted to make a purchase using my Bank Of America debit card. Unfortunately it was declined. Which was odd because I know I had more than enough to make the purchase within my account. I called the bank to see what was going on. I was instructed to go to my nearest banking location with proof of my identity. I do so. Once there I was told the department that place the freeze was not open on the weekends and that I needed to call them Monday morning XX/XX/2023. To which I did. After spending more than two hours on the phone with the fraud department. They told me that did not have any reason on why my account was in review and why my account was frozen. I would have to wait until they are done with the review. I asked what are you reviewing and I was told they don't have any information outside of its in review and there is nothing I needed to do outside of just waiting which could take up to 30 days. I opened my new account online and I had to fund the account in person. The check was drawn from Merrill Lynch which is Bank Of America with whom I have my checking account. I cashed the check once it was verified and pulled out cash and left the remainder of my deposit in my account. No one communicated with me from Bank of America by way of email, call nor text message to let me know what was going on. They placed the account in review on the XXXX of XXXX with no communication to me at all. I have bills I must pay and they tell me that they are not responsible for my bills that can't get paid while my account is in review. I don't understand how they can just take my money with no explanation what so ever. There is no fraud on my account. There are not suspicious transaction on my account. I have not sent nor received any deposit from over seas or any foreign countries. My husband and I went in to our local branch today Monday XX/XX/2023 to speak with a representative to see if they could provide any additional information. She made calls and was told the very same thing we were told. The branch manager got involved and was unsuccessful in getting any other information as to why. She told us she had never seen this happen before because it was a cash deposit. This is very dangerous that a bank can just take your money and not give you a reason on why they did so. They did violate their own disclosure agreement. It states they have the right to place any account in a review status at any time however, they must disclose to the owner of that account why this action has happened. In which they refuse to do so. Can someone please help with this problem? After this we really don't trust the banks anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48134
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Bank of America Closed My credit card without consent. I did not authorize my credit card to close. Bank of America then reported late payments to the credit bureaus and I have never had a late or delinquent payment on my account. They told me they will correct the issue but only corrected the issue with XXXX and XXXX. XXXX is still showing delinquent and late payments. I need this issue fix asap. This is such a huge inconvenience and it is preventing me from buying a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was debited {$2500.00} from my bank of america checking account. it is a fraud. XXXX XXXX XXXX is the company that took this money 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: 95831
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A