Date Received: 2023-04-27
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: In 2021 I received a debit card for unemployment a boa prepaid debit card I'm supposed to have a balance of XXXX on there which I never received any of the money at once it was put in multiple payments I only spent a little bit of the money as they closed my card over and over and over again and told me to verify in the bank with two forms of ID in California which I now live in Idaho because I had to come home because I was homeless and broke with my account frozen over and over again I'm still trying to resolve this matter as the EDD just closed my account because of a another fraud thing I don't know really the whole thing is just a big mess the money was stolen out of my account by fraud when I didn't even have an active card on file I still don't have an active card on file and I was trying to dispute the money they denied every claim I made made me wait 90 days for an answer and still never got it cleared up I am still walked out of my account still trying to get back in it I still have to clear my ID check with the EDD to even be able to start the dispute process with Bank of America again on the card and it's two years in the making now and I'm still looking for some kind of resolving I'm filing this complaint because as soon as I verify my identity with EDD again I'm afraid the Bank of America will put another lock on my account so that I can't start the dispute process for the third time I'm very tired of doing this and now I have to pay taxes on that money that I never received because it was all taken out of my account by Bank of America and so I'm going to upload my documents as soon as I can and try to get this straightened out so I can pay my taxes on this money that I never received that was stolen and I need to start this dispute process all over again and it's going to be a wreck so I'm going to file this complaint so you guys know what's going on and I hope to get this resolved as soon as possible Bank of America is impossible that have just been back and forth with EDD Bank of America EDD Bank of America it's just a never-ending battle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83605
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This concerns both checking AND savings accounts. On XX/XX/22 I answered a call on my phone which showed the caller ID as Bank of America. The man told he was with the fraud dept of BofA, his name was XXXX XXXX, and his Employee ID # was XXXX and that he was working with the FDIC because my identity had been stolen and they needed me to take money from my accounts to secure my money from the hacker who who had my identify and they would protect my money and open a new safe account. He had my account numbers and amounts in the accounts. He then had me withdraw on XX/XX/22, the amount in one of my savings accounts of {$18000.00} and then on XX/XX/22, the amount of {$8000.00} from my checking account. He then had me convert the cash to bitcoin and what I couldn't convert to bitcoin ( evidently there's a limit per day ), I was to purchase gift cards. I then sent the receipts for the bitcoin and the gift card numbers and he would open a new account and I would also earn interest of 6 %. XXXX XXXX Bank of America letter attached showing I sent him the total amount of {$26000.00} and that plus {$2000.00} in interest would net me {$28000.00} ). YES, it was a scam and I fell for it! I now know that most scammers target those over XXXX ( I'm XXXX XXXX XXXX ) and they catch you off guard and sound so urgent that you don't have time to think rationally. I have been told that any time a person withdraws an amount over {$10000.00}, the bank must notify the IRS and also that the bank should have you sign a form stating the reason for your withdrawal of such a large amount of cash. NOTE : I have been a customer of BofA for over 50 years and NEVER have I withdrawn such a large amount of cash at one time in those 50 years until XX/XX/22. This should have raised an alarm to the bank! XXXX I withdrew both amounts one day apart from the same branch! Over the weekend when I had time to reflect on what I'd done, I realized there was something very wrong. Monday morning XX/XX/22, I went to the BofA XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX, WA XXXX where I had withdrawn the money and told them what had happened. They didn't seem too concerned about what happened to me, just told me to call their fraud department and report it which I did. They took the info but did nothing other than tell me that BofA would never have called me and asked me to do what I had done. I went home and then called the bank branch and made an appointment to speak with XXXX of their bank managers who could see me the next day. I went in on Tuesday XX/XX/22 and spoke with XXXX XXXX, Financial Center Manager and Assistant Vice President and explained what had happened. She said she was sorry but the bank had no responsibility to ask me what I was withdrawing the money for, their only responsibility was to report the withdrawal to the IRS. She expressed no sympathy for me other than " Sorry, we have no responsibility to you ''. I am embarrassed and humiliated that I was so naive as to believe this XXXX XXXX was who he said he was but my called ID DID show the call as coming from Bank of America. ( I have since learned that scammers can make your caller ID look like whatever they want it to look like ). I also made phone calls to BofA 's fraud department and got transferred several times trying to report this loss. I spoke to a XXXX XXXX, a XXXX XXXX, and a XXXX XXXX. I was given phone # XXXX of XXXX and XXXX and all that happened is they kept giving me another name to call and I got nowhere! I have receipts for the bitcoin I purchased and all the gift cards with numbers that I purchased but to attach them all would be very time consuming. However, if needed, I can provide that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98501
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My closing is set for XXXX today Bank of America is my loan backer. I received a call from the title company that I need to wire {$11000.00} to close XXXX is a non profit that advertises no closing cost. I started the process with XXXX almost 3 years ago. My process was deliberately delayed by XXXX XXXX, time after time causing me to pay much more for the loan in terms of rate and funds needed to buy down. On the closing disclosure it states the builder XXXX XXXX is giving or crediting XXXX in excess of {$12000.00} why would XXXX receive {$12000.00} from the builder and I wire XXXX to the closing company? This makes no sense. No closing cost is no closing cost. When I first started this XXXX and Bank of America relationship I did not make as much money. When I reported my new income and job to XXXX XXXX everything got worse for me. There were delays after delays. Unexplainable, now I'm paying significantly higher for a loan that should have closed almost 3 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to the bank on a Sunday in XXXX to deposit my mortgage payment, my Husband had giving me {$900.00} to deposit. The atm accepted some of the money and kept rejecting some of it, so I kept trying straighten the money out and put it back in, finally I hit cancel, but the money did not come back out and it printed out a paper with a bar code on it, that is not what I'm use to getting after a deposit. It wasn't a receipt like I'm not use to getting, so I put my debit card back in to check the balance to make sure it credited me for the money. The receipt did not reflect the money that didn't come out. right away I called the number on the ATM and filed a case, I also went to the bank the next day and they told me they wasn't responsible for the ATM machine and I needed to contact them. After about 3 or 4 weeks, they issue me a credit for {$750.00}, now here we go a month later, they reverse the {$750.00} causing my car payment and mortgage payment to be rejected. When I called the ATM to find out why did they do that, I was told because I didn't have any transaction that day. I was 100 % at that bank, even if it didn't register my deposit, I checked my balance after the first transaction. I was at the bank that day and I made a deposit and I want my money back. Bank of America, XXXX XXXX, XXXX, NJ. Account # XXXX, routing # XXXX, this bank has my bill in shamble and they are charging me {$35.00} each day for NSF, I had the money in the bank, they reverse the charges and this should have never happen! Please somebody help! I can't let them get a way with this, I know they have the extra money and it is mine. I lost track of the real amount because it kept spitting some of the XXXX $ bills out, I'm sure it was more than {$750.00}, but i just went on the low end. Please help me recover my money, I can not afford to just walk away from that, my mortgage has been rejected and my car payment. Can you have the bank to do a CPR, so that it will show I was at the bank that day and I did do a transaction. I have filed another case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I contacted BofA to file a claim for two transactions in the same amount for {$190.00} for the same merchant because the merchant tricked me after I made a purchase and I immediately requested a refund because I felt as though they had scammed me. I explained that to my bank and the claims process began. The bank issued a temporary credit for one of the transactions but not the other and I didnt understand why and I filed a complaint with the CFPB on XX/XX/2023. BofA finally concluded both claims and paid one of the claims and denied the other and I called them for an explanation on XX/XX/2023 and spoke with XXXX. XXXX told me that BofA received documentation from the merchant and that based on that documentation, both claims should have been approved and that she was going to re-submit the second claim for reconsideration and ask that it be expedited and she stated that it was a bank error but that it could take up to 45 days. I asked her why would it take so long given that the bank already received the documentation from the merchant to approve the claim and that she acknowledged that it was a bank error and she said that they could approve it faster. I asked her who she was referring to when she said they and she stated that she was referring to the research department at BofA. I asked her if the call was being recorded and she said yes and I advised her that I planned to file another complaint because I didnt believe that this was fair to me as the customer. ***Footnote***I have another open complaint ( XXXX ) with the CFPB regarding the original claim and it has yet to be resolved even though BofA has stated that both claims have been resolved and I have yet to receive any written correspondence.
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: 2023-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Bank of America texted me to contact the fraud department. I ignored the first text because I thought it was a scam. I received another phone call which a voice message was left. This week I received a phone call and a voice message again. I called BOA fraud department and found out someone opened a BOA credit card in my name and it was opened in Pennsylvania. I have not visited or ever lived in PA. BOA stated they would shut down / close the card because transactions were on it in Pennsylvania XXXX Just when you think your good, your not! I'm not sure what else to do now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: on XX/XX/XXXX, someone fraudulently opened Bank of America checking account in my name using my social security number & email address. I spoke with Bank of America this morning, XX/XX/XXXX, and had them delete the account. I also put a freeze on my credit with the three ( 3 ) agencies and an alert on XXXX as recommended by Bank of America. Please see the sequence of events as follows : At XXXX XXXX XXXX XX/XX/XXXX, I received an email to verify my email address from Bank of America XXXX At XXXX, I received an email saying XXXXWelcome to 'Online and Mobile Banking '. At XXXX, I received an email saying 'Online Application is in Progress ' At XXXX, immediately after the previous email, I received an email saying that the application was approved and the 'Bank of America Advantage XXXX Banking Account XXXX XXXX XXXX XXXX was opened '. At XXXX, I attempted to access the account, but was unable because I do not have the bank cards associated with the account. It did confirm that they used my social security number as I was able to use it to get an access code from BofA. At XXXX, XX/XX/XXXX, I received an email saying 'We 've saved your Paperless Settings ' At XXXX, I was finally able to get through to Bank of America XXXX XXXX department and have them delete the fraudulent account. I followed up with XXXX, XXXX, XXXX XXXX, and XXXX immediately after. Fortunately there was no activity on the account. I would like to know how to insulate myself from future fraud and if any additional steps are recommended. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94606
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I reached out to Bank of America and made them aware that the credit card was established fruadulently without my permission I have no knowledge of this account and never gave any one permission to establish this account in my name I also sent them supporting documentation and this item still remains on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hi on the evening of XXXX XXXX I received an email saying that my checking and savings account has been inactivated due to the changes in my Bank of America account XXXX I called and spoke to an associate who instructed me to call the following morning to speak to someone on this matter who could better assist me. All the associate said was that my account has been closed. I called the following morning and spoke to another Bank of america associate who confirmed my checking and savings account has been closed and no reasons were given. I asked about my money in my checking and savings account and was informed that i would be receiving a money order or cashiers check for the money in my accounts, and that I would receive a letter saying that my account has been closed. It is now XXXX XXXX and i have not received my money or any letter from Bank of America about this matter. I have been a customer for over XXXX XXXX and never any issues. I want to know why my account was closed without any prior notice, and I want to know when i will be receiving my money that was in my checking and savings account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: A man called from the bank of america number on XX/XX/ at XXXX. He told me he was with the fraud department and was confirming a transfer through XXXX. I told him no I was not transferring money. He told me he would walk me through the steps to dispute the transaction. He asked me to log into my account and see if the money came out yet. I told him no. He said good and we would file a dispute. I asked shouldn't I wait to see if it even comes out since I'm telling him you now that I'm not authorizing it? He told me it was pending on his end so it would go through if we didnt file a claim. He has me add myself as a recipient and send 2 amounts. 1 for {$3100.00} and one for {$340.00} to the " case number '' that he assigned. XXXX He sais the case number is attached to the amounts and it would flag if it tried to go through. The money was immediately gone from my account. He said that in 24hrs it would be back and that he would call me to help me change my name and password. He said he locked my online account and that I had to wait 24hrs to use it. I hung up and felt odd about it so I called the bank. I asked if this is the right process and they said no its a scam and filed a real fraud claim .They said I might not get my money back cause it was " authorized '' by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 894XX
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A