Date Received: 2023-05-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: The manager at the XXXX location is horrible. I waited 30 min for a card pin charge. Then I had to wait 30 min for a cashier check. I was then charged {$15.00} for the check. I can't believe so many unprofessional and sketchy bank employees are working at this branch. I was asked to share my personal protection on a staff member personal electric device. So you charged me {$25.00} twice got a cashier check. Then you asked me to share information that never supposed to be shared with you sketchy staff
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank of America closed my business Checking Account in early XXXX and told me that the balance would be sent to me when closing was complete. Apparently there has been an ongoing investigation in the account concerning a couple of wire transfers since XX/XX/XXXX that has held up the disbursement of the funds in this account. The current amount in the account as of the XX/XX/XXXX statement is at {$5800.00}. The wire transfers holding up release of the rest of the funds is {$3000.00}. Since then I have called several times and have been told by Bank of America that all the funds are being held up due to this investigation which is now almost 6 months old. Also the {$3000.00} is no longer technically in the account. It was transferred to a business client for services that the funds were sent by the consumer in the first place. Finally Bank of America gave no warning of the accounts closing and always are vague in their responses to questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19067
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I am writing this letter in response to claim number XXXX associated with credit card # XXXX. Upon receiving the decision letter on XXXX XXXX, XXXX, along with the information, the merchant provided claim # XXXX. I am providing you with some information to prove that the total amount of {$7200.00} is unauthorized and associated with identity theft. My wallet was stolen on XX/XX/XXXX. I first noticed it when I returned to work from lunch in XXXX XXXX and received text messages from BOA indicating two transactions from XXXX ( {$3600.00} each ). And I wanted to call BOA 's number on the back of the credit card, but I then found out my wallet had been stolen. Both unauthorized transactions were made at the same time. I called BOA immediately to report the loss. There is one drivers license, one BOA credit card, {$50.00} cash, and a couple of business cards in the wallet. I've opened the claim with BOA twice. The second claim, I even provide solid evidences to prove the information merchant provided is associate to the identity theft activity by the thief, including 1. IP address is not mind, 2. the email address is associated to old account that was expose to ID theft and already been discontinued. 3. I do not recognize the foreign language the merchant provided. 4. The merchant proclaimed that the transactions is for a XXXX game. I have never been to XXXX, and all XXXX games need to be downloaded when a user physically in XXXX. Therefore, it is impossible for me to make the transactions. 5. The thief signed a handwriting form with my driver 's license and credit card in a photo. It is easy to do so with anyone who stole my wallet. However, the signature and handwriting are not match myself. BOA should had my signature on file, but lack of the responsibility to verify it but asking my to be responsible to the transactions the thief made. 6. Not to mention the thief signed as XXXX, which I never used this name. I have provided all documents ( including ID theft report, police report, statements against the merchant 's evident in details with image attached ) and faxed them over to XXXX, but BOA seems never looking into what customers provided rather than urging themselves to get the money. This is the third time I attempted to make the complaint peacefully, and I would choose let my attorney speaks for me next time if BOA continues neglecting to verify the true information but being inclined to the merchants even the evidences from the customers are soiled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94901
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: i have further been unable to get my money from merrill, i did a mobile deposit of XXXX into my account on XX/XX/2023, the check came on my middle name and last name ( XXXX XXXX ) so i signed the back with my full name XXXX XXXX XXXX, the money was paid but My account was closed as far back as XX/XX/2023, when i called for my money i was told told my check has been processed and i will get it in 7-10 days, so i waited till XX/XX/2023, i have to travel on XX/XX/2023 so i was trying to get my money my check did not come in the mail so i called Merrill and i was told by a manager that my check wasn't mailed that they sent my money back to the bank where it came from, since i didn't do anything fraudulent i pulled a call through to my bank at the other financial institution and they told me Merrill never sent them my money, that they've paid my money to merrill since XX/XX/2023, merrill cashed my check since XX/XX/2023, why is my money still with them? also after closing an account the rule states you mail a check to the last address on file, i have waited long enough and now i have my business to attend to .i have attached evidence of call to merrill XXXX and to the other financial institution and also attached the prove that my check was paid to merrill XXXX along side a copy of the legitimate check deposited into my merrill account. I NEVER DID ANYTHING FRAUDULENT. why did merrill had to lie to me that they sent my check out on XX/XX/2023? why did they have to lie when i call on XX/XX/2023 that they sent my money back to the bank it came from? why are they holding my money after closing my account? why did they violate the regulation E by holding my mobile deposit for over 30 days after getting paid for a legit check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93720
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: Problem with a purchase or transfer
Subissue: Overcharged for a purchase or transfer you did make with the card
Consumer Complaint: I had a problem with two charges on my card and I open up an investigation much time went by approximately 3 weeks and I never received any paperwork from the bank and they never credited the amount owed. When I called to find out about this they couldn't find my reference number and had a reopen another case. These charges occurred XX/XX/XXXX and XX/XX/XXXX of XXXX and didn't receive a credit for that until 3 months later. I've been asking for bank statements but when they send them there's always two or three months missing and the amounts charged and dates are all incorrect. Received an email on XX/XX/XXXX of XXXX saving if I had problems with the account to call and I did I asked for a statement again and they sent me ones that are incorrect when I tied to dispute the charges listed on them the bank statement that they had did not match the one they sent me that makes no sense to me I called back several times and I just get hung up on I can't seem to get any reconciliation with this account. I'm showing the discrepancy of approximately XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Starting XXXX XXXX Bank of America started contacting me about or payments not being paid, I then contacted my wife and it was an error on her part, she was making the payments on line but did not hit process payment so it didn't go to the account. She then made a payment that day for XXXX, then the next day made another payment of XXXX also have confirmation numbers, according to them we were behind two months because XXXX had been paid and they applied it to XXXX? Since then even after she called them and thought it was taken care of they continue to call, my wife even told them that those were late charges and we only owe less than XXXX for a house worth XXXX? This is complete harassment and I have told them that! This has been going on for three weeks, them calling at my place of business and also the attitude they have about this whole thing! Please help I cant take much more of these embarrassing phone calls or a waste of my time! Its not like they are not going to get paid DUH!!! that we be stupid on our part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2023-05-02
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: At approx XXXX on XXXX I made an all cash deposit of {$1200.00} into ATM # XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The atm took all of the cash, chugged along for several minutes and then instead of displaying the amount of cash I had deposited it was as if the machine had reset, the screen cleared and was asking me if I wanted to make a transaction. It was as if I had just driven up to the machine the first time. The machine handed me back my ATM card and kept my money and then did not deposit it into my checking account XXXX. I filed a claim with the people at BofA ( XXXX # XXXX Arizona ) although they refused to give me a claim number at the time of the call. I asked them what about the items that this deposit was made to cover, they told me they would investigate and issue a credit on my account within XXXX days ... XXXX days!! That means that everything this deposit was to cover will be returned which includes my Mortgage, XXXX credit cards, XXXX utility payments, XXXX paypal payments and XXXX payment to the IRS. I asked them what they would be providing me to give to these people to prove this was not my error, they point blank said they would give me nothing. They went on to tell me that it could take up to 45 days to give me my money back even though this was deposited into a BofA ATM machine located at the branch. I make my cash deposits at this branch every night like clockwork. This is the second time in XXXX years this very same ATM has taken my deposit, at least last time however it printed up a receipt that showed that an error took place. In this case I got nothing but a blank screen for several seconds and it was if the machine had rebooted itself. The robots on the other end of the phone showed XXXX empathy for the financial nightmare their machine has caused me, it was if they could care less.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33702
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: 2023-05-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America is reporting false information on my credit report. I have disputed this item with the credit reporting agencies many times but Bank of America keeps verifying this false information as accurate. This is a clear violation as I am providing screenshots of the false information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XXXX XX/XX/2023 This Complain is related to my last complain XXXX. XXXX, please after I discovered the shortage in my deposit and gradually gets low!!! I decided to save the rest deposit and transfer it to my niece account in XXXX ( attached ), as I mentioned in my last complain the rest after the fraud was {$380000.00}. I made the wire transfer attached amount {$360000.00} on XXXX XX/XX/2023 so the rest after this transfer supposed to be {$20.00}, XXXX in addition to the original shortage {$230000.00} but also the fraud was continuing and my deposit now as you see attached {$80.00}, so the shortage amount now become {$250000.00}, attached screen shot for my balance now please deal my complain as priority and I request urgent investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a series of emails ( spanning XX/XX/2023 and XX/XX/2023, which I discovered late at night on XX/XX/2023 ) about the opening of a new Bank of America XXXX Banking account and digital debit card in my name, but I did not open this account. The first email asked me to verify my email address, the second stating that the online application is in progress, the third that the application was approved, the fourth was a welcome to online banking, the fifth was to say that the digital debit card is here, the sixth to say that the digital debit card info was recently viewed, the seventh to confirm paperless settings, and the eighth and final email was to say that the digital debit card is ready to use in XXXX XXXX. There was no email confirming that the email address was verified, nor was there any unusual activity in my email account, so I believe that the person committing fraud does not have access to my email account. I forwarded several of the emails to abuse XXXX XXXX
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: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A