Date Received: 2023-05-01
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I'm on short-term XXXX and it's through the EDD they're connected with Bank of America and of last week {$930.00} was withdrawn from my account without my permission basically I was hacked Bank of America now is not honoring there is zero liability I can not wait 90 days for them to investigate it has put me in a very very hardship situation maybe there is something you can help me with I'm in desperate need
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95403
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Hello, I have a Bank of America prepaid card provided to me by EDD XXXX. On XX/XX/XXXX at approximately XXXX I received an email to approve transactions for a company Id never heard of, XXXX XXXX the amounts were for {$99.00} and there were about 30 of them totaling to {$3000.00}. In response to the notification asking if these were valid transactions, I of course said no. Even after my response they went into pending status and on XX/XX/XXXX they were approved and posted to my account. I have filed a claim with Bank of America and it has been 10 days and I have not received any sort of credit back for those fraudulent transactions. Each time I call for an update they tell me itll take 90 days to see my money and even then they might not. I do not like the way Bank of America has handled my case as it seems negligent on their part. Thank you.
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: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Bank of America closed my credit card account for no reason today, and that they said they can do so without telling me why, as that's in the their contract. I have researched far and wide and find the major reasons that credit card companies can close your account include : inactivity, suspect fraud, not paying payments, and worsening credit situation. There has not been any mention of credit card closing for reasons for other than the above mentioned. I have excellent credit, paid on time, not inactive, nor were there any suspicious activities. I would like, at the minimum, that the bank give a reason as to why my account is closed. This seems like a fraud to me, at least in terms of advertising from the card issuer in the sense they find that since I'm someone who pay my card in full, and therefore unlikely to contribute to much profits to the bank, and chose to close the account by invoking a never heard of clause of supposedly a term that I have agreed to that they can close my account without a reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90403
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022 I received letters from Bank of America that someone had attempted to cash a fraudulent cheque of {$11000.00} in my account ending in XXXX. Both my accounts were closed as a result- the case was reported to XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX- and I was asked to contact these two organizations for more information. I attempted to reopen a new account at Bank of America and other institutions but failed because of the information these institutions had on file. I needed a bank account to function as I am a XXXX at XXXX and can not even use XXXX as a result of the identity theft. I contacted XXXX XXXX and was asked to procure an identity theft report and a police report before my information could be removed. I did this and submitted the information and after an investigation XXXX XXXX removed my information from their system. I contacted XXXX XXXX next and after submitting these two credible reports to XXXX XXXX XXXX I was told a reinvestigation by Bank of America was underway. However, a few weeks later I was told Bank of America would not have XXXX XXXX to remove my information from their system. It is very unfair that they are preventing me from opening a bank account anywhere since I am A VICTIM and can not even receive money from my parents in XXXX because of this. This is why I am reaching out and asking that they kindly allow early warning to remove my information so I can get a bank account with another financial institution. I am a XXXXXXXX XXXX XXXX and a bank account is imperative to me being able to function in America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08902
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I have disputed transactions that 1. I didnt make 2. I returned an item but didnt get my credit back but the Banks are always reversing it, which then takes my credit back and I go negative
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: After giving birth I was unable to return to work following maternity leave because of being diagnosed with XXXX XXXXXXXX and XXXX XXXX rendering me unfit for employment. I began to fall behind on my vehicle loan with Bank of America at that time and in XX/XX/XXXX my oldest child was enrolled in college and I had to make tuition payments totaling $ XXXX so I reached a point where I had to choose between making my full car payment or paying the tuition payments. During these times ( XX/XX/XXXX and XX/XX/XXXX ) I contacted Bank of America to explain my circumstances and work out an alternative payment arrangement and I was denied. My vehicle was repossessed on XX/XX/XXXX despite a payment of {$580.00} being made two weeks prior on XX/XX/XXXX and no notice that the vehicle was in danger of repossession. I contacted BOA on XX/XX/XXXX to find out the past due amount to recover the vehicle and was told they demanded full payment of {$27000.00} immediately or they would be selling my vehicle. I made several calls to BOA over the next week again explaining the exact circumstances that caused me to fall behind and that there was no way I could come up with {$27000.00} but I did have the full past due balance available to pay right away and I would be returning to work the following week as long as I had a vehicle and I would be able to make on time payments again going forward. I was denied and told by a repossession supervisor it would be more lucrative and beneficial to BOA to resell the vehicle rather than to let me resume the loan. I also keep receiving conflicting letters and the credit reporting continues to be inaccurate. Payments made 5 days late are being reported as 30 days late and months when payments were made on time and in excess of the monthly amount due are shown on my credit reports as being 90 days past due. The balance is also being reported as {$31000.00} from XXXX as if no payments were made when the actual amount due was {$26000.00} at the time of repossession. It is also being reported as XXXX for XX/XX/XXXX ( a payment was received on the due date of XX/XX/XXXX and XX/XX/XXXX ) and XXXX for XX/XX/XXXX although it was not. It was also reported as past due for XX/XX/XXXX although it had already been repossessed and sold by that time and all further payments were refused. I received a letter on XX/XX/XXXX stating the vehicle was sold at auction for more than the balance owed. Then it appeared on my credit report as a charge-off. I then received a letter on XX/XX/XXXX stating the consumer reporting agencies would be updated to reflect " account settled for less than the full balance '' although it was paid in excess. I then received another letter on XX/XX/XXXX stating the account was overpaid in the amount of {$2200.00}. I called BOA today XX/XX/XXXX and asked for an updated letter stating the actual facts of the repossession and the sale with amounts and dates and was told that is not something they can provide. It is my understanding that their calculations were incorrect and my vehicle should have never been repossessed at the time it was because I was not as far behind as they claimed but due to the used car shortage being experienced now it was more beneficial to them to move forward with the repossession. I am unable to return to work now because I work in home healthcare and must have a vehicle to drive to see patients. I also can not purchase another car because this loan reflects so poorly and inaccurately on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I went to the bank to open an accout and when the banker got my information she said she couldnt open my accout that is shows SUSPECTED FRAUD ACTIVITY which im confused and i had a situation before when i was robbed and my wallet was take and police report was files about identity theft and it has been resolved and now i want to open account and it not leting the bank help me open the account. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Reporting in accurate information damage in my good credit and name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
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: Managing an account
Subissue: Fee problem
Consumer Complaint: XXXX. On XX/XX/XXXX, I had a balance of {$510.00} in my account. XXXX. On XX/XX/XXXX, I had {$500.00} in my account. XXXX. The rule for this account is if I have {$500.00} or more in my account throughout the month, the maintenance fee would be waived. I met this requirement for the month of XXXX. However, the maintenance fee was not waived. Bank of America did not hold up its own policy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08520
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX issued a new card and I always insist all cards on autopay. Alerts were not forwarded to my phone as with other cards. My B of A debit card was wrongfully closed by an associate and I was not informed during phone calls to XXXX and other regular charges through XXXX of issues with my card, I shopped unaware of the problems XXXX XXXX services did not ever send alerts. A bank associate closed my debit account causing me to physically be unable to bank. I was sick a lot of the time and did not open the mail. An alert from XXXX, not XXXX, not XXXX caused me to look closer and discover the XXXX account hadn't been auto-paid and I couldn't physically bank for a small period of time. A few accounts were affected and all my perfect rating was affected unintentionally. XXXX promised to help if I submitted proof and then backed away from it. I asked to have the phone calls listened to for proof of the lack of information and failure to have one payment processed as I requested. I asked for one payment to process which was not done. This inadvertent mistake caused ripples across the bureaus and other creditors shunned and deemed me delinquent as one of 600 or more payments came in late. I never saw such an unfair form to penalize a consumer. Bank of America gave me screenshots of all the documentation they provided as I complained of the problems caused on several accounts, some just billed me a processing fee, others never filed against me and XXXX is the only unforgiving company and on this unfortunate error compounded by Covid sickness and bank associate error. Please look at the fine print of the documents attached as XXXX XXXX XXXX asked me to submit them in order to possibly forgive the undetected, unalerted, unwilling error.
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