Date Received: 2023-05-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a guardianship account with Bank of America- who I have banked with for many years. I opened this account to assist my incapacitated brother with his affairs. I was told by the office that I could not have a debit card or checks. This is utterly ridiculous as the reason why this account was created is to help him with his bills! I will have to pay rent and other bills for him - I am told to transfer the money but his money will be mixing with my own and this is not how I wanted to handle this. I have to give an annual statement to Social Security Administration every year- this will not help me show the agency show how the money is being used. I also have to speak on the terrible experience I had when attempting to open this account. I had to complete a two step process to open the account. It took more than two weeks to open this account as the first approval code expired and the process started all over again. This bank is too big to have such a poor processing system when it comes to these type of accounts. It is very much old school and very outdated! Also, this bank keeps placing holds on my check deposits that are very small deposits. My bank history should be taken into consideration and funds release immediately! It is not like I am putting in a deposit for XXXX or more. This bank put a check hold on a government check - unreal and uncalled for!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Monday XX/XX/ I was a victim of scam by a third party. My cousin told me about a cash application if I send {$400.00} they will approve me to get back {$8500.00}. I taught it was like a payment plan. I connected to the other person doing the application name XXXX XXXX XXXX. We started the process she gave me her email to XXXX the {$400.00} to start, then to release funds she told me to send {$1100.00}. So I did. After a coupke pf hours I saw there was something not right then I Call bank of america right away to alert them and let them now something was fishy and that I was scam. Since today XXXX, XXXX, Bank of america havent reach still investigating dont want to accredit my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91731
Submitted Via: Web
Date Sent: 2023-05-07
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: Bank of America incorrectly and erroneously froze my checking account due to their faulty fraud system on XXXX. I contacted the bank via telephone on XXXX and i was not given a valid reason for the freeze nor valid solution or timeline for resolution per the security supervisor they can not find any reason for the system triggering and have no method of override or resolution. Further, security supervisor also informed they are unable to follow up with resolution as they do not know a date when it will be resolved and stated I would have to call back randomly to see if/when issue is fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
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: In XXXX of XXXX i filed a claim with edd and i recieved one payment for {$330.00} and the next two weeks i was suppost to recieve another payment and i never got one i called up XXXX and XXXX from XXXX said the payment was added to my account so i called up bank of america and they said the money was put in to my account i asked for a statement and i got it and reviewed it and seen there where charges that where not mine so i called up bank of america and explained to them what was going on they cancelled my card and sent me another one well in never recieved it i called up bank of anmerica again and told them well bye then i got another statement and it showed several charges bye then it had been two more weeks and there was {$2000.00}. put in to my account every two weeks well after that first payment i recieved i never got another one after that i had called up XXXX several times and bank of america well nothing was done about any of it i have been calling up bank of america for 3 years regarding this i had to find another job because i never recieved any more of my XXXX i recieved all my statements from bank of america and it shows 5 differant cards being used for the whole year of XXXX i called up bank of america and explianed to them but they have not done nothing they supervisor XXXX at bank of america said there was all kinds of credits put in to my account in XXXX but i did not get another card until XXXX the amount is XXXX dollars it started XX/XX/XXXX its Bank of America prepaid XXXX XXXX XXXX XXXX TN XXXX My name is XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX phone number XXXX ) XXXX thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92543
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX my Bank of America account was involved in fraud. {$16000.00} was taken from my account because my car was stolen with all my personal belongings. I filed a police report and on the report you see that it says what was stolen. The money was transferred through my stolen phone through XXXX. I contacted Bank of America and they told me I need a police report and I will get my money back and I did this but they denied my claim and I appealed it and I was still denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX my Bank of America account was involved in fraud. {$16000.00} was taken from my account because my car was stolen with all my personal belongings. I filed a police report and on the report you see that it says what was stolen. The money was transferred through my stolen phone through XXXX. I contacted Bank of America and they told me I need a police report and I will get my money back and I did this but they denied my claim and I appealed it and I was still denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Excessive fees and overdrafts that werent accounted for after complaints still no resolution or refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33573
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have a Leave and Earnings Statement ( LES ) from the military with my social security number and the bank account number that shows I had money going into this account. I also had my disability compensation deposited into this account. When I went to check on my account, first I was also told by a representative that there has never been an account opened with my name at the bank. After I showed her my LES, she then told me that my wife closed and reopened the account under a different name. I told her I have never been married. She said she would not assist me unless I could tell her the name on the account. On a different day, I went back and spoke to a bank teller, and she told me there was an account opened with the bank account number listed on my LES and under my name, but the current name on the account was not the same as the one the account was opened under. I have filed two prior complaints ( complaint # XXXX and XXXX ) in an attempt to address this same issue. I have been contacted by a representative and I was told I would receive a settlement offer but the number provided via voice message and the letter I received through the mail did not work. After I filed the second complaint, I was told again I would receive correspondence by mail, but that correspondence never came. The number I received a call from ( XXXX ) and spoke with a Bank of America Representative was on XX/XX/XXXX ( Friday ) at XXXX XXXX. The call lasted for 2 minutes and 15 seconds. I have made the following calls below to the Correspondence Review Department at phone number ( XXXX ). The automated message isPlease leave your name, phone, and address of property you are calling about. I have left a message with each call. XX/XX/XXXX ( Tuesday ) XXXXXXXX XXXX 49 seconds ( Outgoing Call ) XX/XX/XXXX ( Tuesday ) XXXX XXXX 56 seconds ( Outgoing Call ) XX/XX/XXXX ( Thursday ) XXXX XXXX 57 seconds ( Outgoing Call ) XX/XX/XXXX ( Friday ) XXXX XXXX - 1 minute 31 seconds ( Outgoing Call ) XX/XX/XXXX ( Friday ) XXXXXXXX XXXX 1 minute 3 seconds ( Outgoing Call ) XX/XX/XXXX ( Monday ) XXXX XXXX - XXXX minute XXXX seconds ( Outgoing Call ) XX/XX/XXXX ( Thursday ) XXXX XXXX 1 minute 6 seconds ( Outgoing Call ) XX/XX/2023 ( Thursday ) XXXXXXXX XXXX 59 seconds XX/XX/2023 ( Wednesday XXXX XXXX XXXX XXXX minute I have not received a call back. This is the second time I was informed that I would receive a response in regard and the second time that response has not come to pass.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98499
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Bank of America : Balance {$1100.00} Account was closed and put into collections on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83440
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2023, XXXX XXXX, a Bank of America representative, contacted my attorney and let him know that the mortgage application was declined due to the Debt to income ratio. After the contract expired, the seller gave me a 3-day notice to cure, and BOA made me believe that the mortgage would be approved, however, during the conversation, XXXX XXXX acknowledged that the change of occupancy was an element of the denial, which related to my previous complaint about the BOA changing the facts of the occupancy to charge me more fees. XXXX XXXX changed her story about my income during the last minutes of the process when I originally submitted a corrected W2 and they used the corrected w2 to calculate my income. we figured out the error, and BOA recommended I to file an amended return to correct the error, as we did immediately as requested. BOA further requested to write a notarized statement, stating that I was voluntarily agreeing with the change of occupancy to legalize their policy, and I stated my reason why I agreed with them. XXXX XXXX stated that the income was calculated based on my tax return report, not from the W2, which was originally submitted. XXXX XXXX refused to give me the timeline when BOA changed the course but confirmed that they did not use the income on an amended return. XXXX XXXX also mentioned that the Company credit balance was used to attribute to my personal, despite they knew that my company is a XXXX with other shareholders. XXXX XXXX also used derogatory terms regarding my income as a " flip-flop. '' Based on these acts of BOA, I completely believe that BOA denied my application because I filed my previous complaint about their policy to force mortgagee to pay higher fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85395
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A