Date Received: 2023-05-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received notice to my email that a Bank of America account had been opened. I received these messages at XXXX XXXX XXXX this morning. I did not open any new banking accounts recently. I tried to call the support and fraud numbers on their website to speak to a representative, but I kept getting stuck on the automated messages about providing the account numbers. I don't have them since I wasn't the one that opened it. I have emailed their fraud department and customer service this morning, but have yet to hear back from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: On XX/XX/23, I took my settlement check to the branch in which I was told that {$220.00} would be available today and the remainder would be available XX/XX/23. Today ( XX/XX/23 ), I checked my account to find that the amount that was supposed to be available was not there. I then checked my email to find that Bank of America emailed after my visit to the branch saying my deposit wouldn't be available until XX/XX/23. I have a receipt from the teller saying the funds would be available on the dates originally listed. I feel like I was lied to so that I could do business with their bank. While I understand that there would be some hold. It is unfair to extend it a full week and give no explanation as to why. It says holds are usually 5-7 days and this date they have given me is beyond that window.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19140
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing this complaint against BANK OF AMERICA for the fraudulent inquiry on my credit report. My identity Theft report number is XXXX which I have included in the attachments below. As I checked my recent credit report, the unauthorized hard inquiry is in my credit report but I never authorized them to access my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19083
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I booked a hotel at a low price at a discount on the XXXX website and paid for it in full. Upon arrival at the hotel at the reception, I was asked to provide a credit card to receive a security deposit. After leaving the hotel, I found out that XXXX XXXX did not return to my card. In XX/XX/XXXX I opened claim in the Bank of America so that the money was returned to me. XX/XX/XXXX. Account ending in : XXXX. Claim number : XXXX. After research, Bank of America credited XXXXXXXX XXXX to my account. In XX/XX/XXXX I received notification, that XXXX XXXX was again charged from my card. The bank informs that this decision is not subject to appeal. The bank claims that I took advantage of certain services of the hotel and is obliged to pay for them. As evidence, the bank attaches an unconscious document with a list of services rendered to me. In addition to the fact that this document was not signed. In the upper right corner, he has a date XX/XX/XXXX, there is no information about booking, as well as other important information. I did not use any additional services of the hotel both during the visit and XX/XX/XXXX. Please : 1. hold the bank liable for unlawful charge of my funds. The bank had no reason to charge funds for the use of services since the hotel did not provide any appropriate evidence about that. 2. facilitate to the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95833
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Bank of America denied us a HELOC based on the value of our home. However, they refuse to provide us with details as to how they came up with a home value over {$60000.00} below what their XXXX system on their website publishes, although that is supposedly what they used, what comparables they are using, or any other details that would explain why they are undervaluing our home by that extreme of an amount. The home was refinanced in late XXXX through the lender and they even appraised the home higher than what the amount came back on the latest appraisal that BOA can not and will not provide any answers to. When they were provided with direct comparables within the last 90 days of homes that are of the same vintage and even exact style as our homes they were denied stating that they were not appropriate comparables even though they are XXXX streets over, within our actual neighborhood, and again are even of a similar style/floorplan as many homes in our neighborhood were built at the same time and just have slight variations. This has already been escalated to their supervisors but they still refuse to provide any details or clarity as to how the evaluation number was reached. They obviously had no problem running our credit or collecting excessive amounts of information regarding our personal information ( which they also lost twice ). I can only imagine that demographics are at play somehow to impact the way they are making their decisions and hurting those of us who have no power to do anything to stop them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I try esolve problem whit company and never resolved and I have hard inquiry never I authorize I so torereceive letter about application is not me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11224
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/29, around XXXX, I received a text from the bank informing me of an attempted purchase at a XXXX XXXX Florida ( I live in Nevada ). I opened my bank account to check in case the text was a scam and was met with the app asking me a couple questions about transactions I did and didnt recognize. I then got a call from the Bank of America support number ( XXXX XXXX ) and double checked to make sure it was the correct number before speaking with the representative XXXX XXXX. He asked me questions about some transactions and was actively looking at my bank account, so I had no reason to doubt he was an employee. He had me XXXX my money to a case number where I was told I would get my money refunded to me, yet as of XXXX I still do not have my money. I sent all of the money in my checkings and savings, equaling about {$1800.00}, and now I have gone five days with {$0.00} in my bank account. I called the bank and they said they could not help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89012
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I deposited a check drawn from my Merrill Benefits 401K Account to my Merril CMA Edge Account, and even though it was drawn from the same bank, a hold was placed on the check - and it was to be made available on XX/XX/XXXX. Now since Monday, my account has been disabled, and I have not been given any answers as to why. I have called customer service, never receiving information, expectations, or following through on what is happening. It feels as if my money is being held hostage. XXXX and XXXX, both customer service managers, promised to return calls with updates regarding my situation and then never followed through, leaving me back at square one explaining the story to a new CSR Rep and Manager. I am always left with the fact that they just noted the review would take XXXX to 2 days. I have worked in banking ( XXXX & XXXX ) and have a career in Corporate Finance. I know regulations and standard practices for corporate policies, but this is horrendous. Customer service is barely even close to the definition of the role. Keeping the customer aware and updated on information regarding their own money! It is nonexistent. I want someone to help me, please! I already paid with those funds because I was never alerted or notified of an issue with my account. So you are causing a problem with me at Merrill, and now I am a debtor to a third party. Embarrassing isn't the word.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07601
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 at XXXX XXXX. I come to the bank of america at XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. I am deposit check and i have the received copy they said on XX/XX/2023 {$5300.00} at XXXX. And On the XX/XX/2023 {$100000.00} at XXXX XXXX. now i am received the email said the check on hold to the XX/XX/2023 at XXXX. that is not right by the law. can some one please try to help fix the bank law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94063
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank Of America stole the content of my account on XX/XX/XXXX in the amount of XXXX. This account I opened 7 years earlier in my name for the use of paying my mothers bills as her conservator/guardian. BofA had no right to take the money to begin with but they have forced me to send in a death certificate etc. etc.. and I've done it all but they simply ignore me other than telling me to do things, which I've done all of what they've asked. At each step they ignore me and I have to call them again to restart the process. This appears to be a way to make money for the banks or maybe it's a prejudice thing where they are XXXX and I am XXXX and they are simply messing with me. Either way, they had no right to take the money to begin with and now they are only messing with me at every step.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A