Date Received: 2023-04-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Unauthorized transactions : Transactions occurred that were not made by cardholder or approved user on the dates listed below at the location listed below. Location XXXX XXXX XXXX XXXX XXXX XXXX, California ( XXXX XXXX XXXX ) XXXX XXXX - {$200.00} XX/XX/2023 - {$270.00} XX/XX/2023 - {$92.00} XX/XX/2023 - {$210.00} XX/XX/2023 - {$250.00} Bank of America has charged an use charge of {$2.00} per occurrence - total {$12.00}. Cardholder has since changed passwords and pins, and received new cards. Bank of America has reversed one transaction only and has denied the claim dispute for transactions from XX/XX/XXXX to XX/XX/XXXX, totaling {$780.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
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: Deposits and withdrawals
Consumer Complaint: I filed a separate complaint on the count of Bank of America freeing my funds without a court order, judgement and tax lien. This complaint refers to BofA denying me access to Social Security funds and XXXX XXXX annuity payment. Both are under investigation by XXXX for Social Security and the Special Investigations Division of XXXX XXXX. The cfpb should take additional steps due to XXXX, clear violation of Federal Statute ( USCA ) and US case law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90292
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposits not available for use and account restrictions due to banks fraudulent activity. Card not in use and funds not available. Here is proof of deposits
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75208
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: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I am providing 2 levels of detail. The first part explains my issue with the merchant for whom I paid my initial deposit of {$4000.00} for my pool building project using my Bank of America Visa credit card. The 2nd part explains how Bank of America is handling a dispute in a negligible manner for the deposit of {$4000.00} charge that turns out to be a scam/fraud. Part # 1- On XX/XX/2023 I contracted with XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) at a total price of {$42000.00} to purchase & Install a XXXX XXXX XXXX XXXX. I paid a {$4000.00} Initial deposit to secure the contract and towards ordering the pool. Per the contract schedule, the XXXX XXXX pool was supposed to be ordered, delivered, and installed by the end of XX/XX/2023. Fusion pool agent XXXX XXXX XXXX XXXX XXXX XXXX ) and his brother XXXX XXXX both visited my yard and confirmed that they are the authorized installer of the XXXX XXXX XXXX XXXX and offer/own manufacturer warranty on the shell, gel coat, etc. XXXX also stated that he purchases his fiberglass pools from XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX accredited business ) to reduce his pool buying cost and stated he works with them due to his father was a friend of XXXX XXXX and XXXX owner in the past. On XX/XX/2023 I requested XXXX to provide me proof of order confirmation and delivery date before he begins the excavation along with the permit and blueprint of excavation. XXXX said he will provide me with that information in a few hours as he did not have that details on his phone. We agreed that without those official proofs, he will not start excavation in my yard. As of XX/XX/2023 It has been almost 4 months & since XX/XX/2023, I have not heard back from XXXX. I called him several times, texted him endlessly, emailed him, and pinged him on XXXX, XXXX XXXX, and XXXX XXXX app ( His official fiberglass installation listing page ). I have a pending dispute with my credit card company and I believe he is aware of this as well. He has not responded to me or come and meet us since he appeared last at my property on XX/XX/XXXX. I contacted the XXXX XXXX Fiberglass Pools corporate office directly to check on my order status, where I found that there was never an order placed for my pool by Fusion Builder, Affordable XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX XXXX XXXX. Basically, there is no pool ordered for my home.XXXX also confirmed that XXXX is NOT in their authorized installer directory and never he was in the past. They suggested filing a complaint against him for using their name. I contacted XXXX XXXX XXXX XXXX to find out about my pool and the company, and they confirmed that they never heard of XXXX or XXXX name before, and also, they do not buy XXXX XXXX XXXX for any of their customers. They also suggested filing a police complaint about the company. XXXX has not performed any work at my yard, neither ordered the pool nor created a blueprint or permit work for excavation. He simply took my {$4000.00} and disappeared. He is a true scam!!. His XXXX page is removed, his website as Affordable Waterscape is no longer available, and his phone number goes straight on Voice message. XXXX should refund my money rightfully and as he knows there wasnt any work done nor the pool was ordered. But unfortunately, he chooses to disappear and ran away with my {$4000.00}. He is a thief! Part # 2 - Bank of America Credit card dispute team is handling my dispute very poorly and in a negligible manner. I paid the XXXX XXXX a {$4000.00} initial deposit on the basis that they would start by ordering the fiberglass pool and start the project as dated according to the contract. I felt more secure while using the credit card to save myself from the pool company scammers nationwide in case of anything goes sideways. Unfortunately, as stated in the complaint above the pool builder indeed turned out to be a scam/thief. He charged me the initial deposit money and never showed up for the work ( 4 months passed already ) after the contract was signed. He has not returned my phone calls or text message or emails. His website and XXXX listing are removed where I initially contacted him from. His phone # goes to the straight voice message. There is zero communication from the seller after I requested him to send me the proof of the fiberglass order confirmation. He did NOT start the project. There were no services rendered in this contract. I understand per the contract that the deposit is non-refundable in case I chose to cancel the contract once the project was started or the pool was ordered. However, in my case, it's crystal clear that I did not receive any services as mentioned in the contract. The seller did not order my pool from the manufacturer neither seller has contacted me back with any explanation for not showing up or not providing me the proof of purchase. Despite that nightmare that I am already dealing with the seller, Bank of America is being blind and negligent in collecting my money from the seller who is a true example of a scam. Bank of America has already been denied by dispute twice on the basis that the seller has rendered the services. However, they are not understanding or analyze the documents I sent already twice that the seller has disappeared without even starting a job. He has not ordered the pool nor started any work according to the contract. He has disappeared and has not been reachable for 4 months already. I am not sure how I stretch this further but this is a scam and Bank of America is promoting scammers by simply ignoring the facts and paying them without obligating merchants to provide proof of services that are being rendered before making a denial decision. Which in my case is zero.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78415
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Want to file a CFPB complaint against Bank of America Credit Card Services for misleading, confusing, and unexplained interest rates increases that dates all the way back to XXXX XX/XX/XXXX when I first opened this credit card account with Bank of America. During the years between XXXX and XXXX half of my annual income was cut in half and I was not able to pay my credit payments to Bank of America, around XX/XX/XXXX I reached out to Bank of America Credit Card Services for assistance in forbearance or secured credit card insurance plan, but was given the runaround and not assisted for a forbearance or secured credit card insurance plan. Then on XXXX XX/XX/XXXX I was forced to file XXXX XXXX Bankruptcy, because Bank of America Credit Card Services didnt properly assist me at getting a forbearance or secured credit card insurance plan, so therefore I should be refunded for about {$5000.00} to {$6500.00} dollars for misleading, confusing, and unexplained interest rate increases that dates all the way back to XXXX XX/XX/XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76522
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT THIS CREDITOR HAS VIOLATED MY RIGHTS! UNDER ACT 15 USC 1681 SECTION 602 SAYS " I HAVE THE RIGHT TO PRIVACY ''. 15USC 1681 SECTION 604 A SECTION 2 " IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT ANY WRITTEN INSTRUCTIONS ''. UNDER 15 USC 1666B " A CREDITOR MAY NOT TREAT PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76051
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 I bought a fuel pump assembly at XXXX received XX/XX/23. XXXX order # XXXX. XXXX resold a defective customer return fuel pump assembly that had to be discarded, requiring me to use my grocery money to pay extra to replace parts & labor is the very definition of hardship. I filed a dispute with Bank of America # XXXX. XXXX posted charged, then released, then recharged creating a negative balance in my account. XXXX reps previously reference a " non-renege '' clause relationship with Bank of America which is clear bias proving the bank 's reluctance to process my refund credit as they are clearly in XXXX 's corner. This bank owes me not only a provisional credit of {$61.00} to replace what XXXX stole, but a permanent credit as XXXX demonstrated intent not to refund on an item that never should have been sold in the first place. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
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: 2023-04-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello CFPB Team : In late XX/XX/XXXX I was notified by my Bank of America application that there were some suspicious charges on my card with account number XXXX XXXX XXXX XXXX. These fraudulent charges were made between XX/XX/XXXX and XX/XX/XXXX. I immediately called Bank of America, informed them that it appeared my card had been stolen, and that it was not in my possession. I asked them to immediately turn off the card so that it could no longer be used, which they assured me they had. I then filed a fraud dispute for the fraudulent charges, and after review, they reversed the charges in the amount of {$1500.00}, and I paid the remaining balance for my charges of {$72.00} on XX/XX/XXXX. With the card now being at {$0.00}, and the account having been closed ( or so I was assured ), I figured the matter was over. However, when I logged back into my account in late XX/XX/XXXX, I found that Bank of America had NOT cancelled my card as I had requested, and the thief had continued to charge items fraudulently using the card. However, they had changed the account number on my account, but somehow the thief was still able to use my card. In total, this account has had three different account numbers in 5 months. Why that would be the case, I have no idea. Bank of America would have to answer that. Original account number : XXXX XXXX XXXX XXXX Reissued account number : XXXX XXXX XXXX XXXX Current account number ( re-issued again ) : XXXX XXXX XXXX XXXX All of the new fraudulent charges after XX/XX/XXXX are below. These are the charges that were incurred AFTER BofA had assured me the card was closed and could no longer be used : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX XX/XX/XXXX FRAUD DISPUTE XXXX XXXX XXXX I again called the Fraud dispute department, extremely angry that they had left the card open for use, and they apologized and assured me these new fraudulent charges would be taken care of. The fraud agent also apologized and said that somehow the card had not been closed out properly. At that point I told them to close this account permanently and do NOT issue any new cards to me. It appears they actually did close the account this time, as there were no new charges after XXXX. However, after calling the fraud dept multiple times, requesting for an escalation, requesting to talk with a supervisor, I was stonewalled at every turn. I was advised there were no supervisors available and that the agent didn't have a way to have me contact a manager. I called multiple times, and each time the agent assured me they were working on reversing the charges. We are now in XX/XX/XXXX, and after 5 months of calling and dealing with the fraud department, they still will not reverse the fraudulent charges that they allowed to happen by not closing the card. In the meantime, I have racked up late fees, and I am sure adverse credit reporting, all because Bank of America will not reverse these fraudulent charges. I am requesting that these charges be reversed immediately, and all late charges and fees reversed accordingly as well. I had a perfect payment history with Bank of America for years, and am absolutely frustrated and appalled that they continue to issue me these charges that should have never occurred in the first place. Their error in not properly closing a card that was reported stolen, and requested to be closed, has caused for all of this to occur. I am requesting for your help to resolve this matter. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96753
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: 2023-04-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I sold my truck and the individual who bought it paid with a check. Since his financial institution was Bank of america, I did a mobile deposit into my bank of america account so that the funds would be available by next day to get another vehicle. The bank put a 2 week hold on it and sent me an email stating that there was a hold because the system they use came back with there might not be enough funds in the account. So I contacted the individual who bought my truck and he wrote another check and I have him the first check. He called the bank and let them know I was calling the check and verified the funds were in his account. So I did a mobile deposit with the second check. The bank put another 2 week hold on the check for the same reason. So I waited the 2 weeks and the funds were deposited into my account. I went to the financial institution to withdraw the funds to purchase another vehicle and the bank tells me they can't discuss my account with me I need to call customer service. So I go outside call customer service and they tell me they are closing my account due to a counterfeit check. So I ask them for the details and they transfer me to 4 different departments. I finally got an answer from a customer service person that tells me that they can't send me my funds until the closing of my account is complete. We'll it's been nearly 2 months I haven't received the funds still, I am a single mom and without the money haven't been able to buy another vehicle and have now lost my job because I have no vehicle and am about to lose my son and my house because of losing my job because they won't send me the money that was in my account from selling my truck. I also asked the bank to explain why my account was being closed when all I did was sale my truck and deposit the check into my account that he paid with, and they told me I need to get with the guy who wrote the check. I told them how is the first check counterfeit but the second check from his same account he wrote yall deposited the money into my account so how is one counterfeit and not the other they again told me contact the guy who wrote it, that is against the law as is he is gon na tell me anything. I then expressed to the bank I am the victim someone wrote me a counterfeit check from what yall say I didn't know it was counterfeit and went to deposit it in my account yall are now closing my account holding my money and flashing my account with fraud for counterfeit which is gon na prevent me from being able to open another account at another bank how is that morally and ethically right to do to someone. They wouldn't provide an answer. So now I have no vehicle which caused me to lose my job and with no money to pay bills because of losing my job I'm about to lose mine and my sons home because I lost my job because the bank closed my account and is holding my funds. I am the victim here I need some kind of help to get the money that was in my account so I get a vehicle and find a job before me and my son ends up homeless. Please help me. And I also want to find out what can be done where my account don't get flagged for counterfeit when I had no part in any of that so that it doesn't ruin me getting another account at another bank. Thank you for your time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
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 making or receiving payments
Consumer Complaint: We took out a loan with XXXX XXXX in XX/XX/ and setup with Bank of America to pay the loan with bill pay of {$520.00} on a monthly basis thru electronic transfer. Bank of America was unable to make the transfer electronically so after a week they sent a hard copy check ( dated XX/XX/XXXX ) it the XXXX XXXXXXXX lock box. This check was endorsed and cashed by XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/. We were meanwhile informed that we were past due. XXXX XXXX had nor received our funds so we made a payment over the phone of {$520.00}. We also set up again a monthly bill pay with Bank of America to electronically pay {$520.00} each month which as worked correctly since that time. Since our inquiry Bank of America sent us a copy of the check ( letter dated XXXX XXXX XXXX ) they directed us to XXXX XXXX for resolution and they have also opened and closed their investigations ( current Bank of America case number XXXX XXXX XXXX After visits to the local Bank of America office and countless phone calls with XXXX XXXX and Bank of America, without any progress, Bank of America decided in the Fall of 2022 that the issue was with XXXX XXXX XXXX XXXX and them. More phone calls to Bank of America, and multiple, confusing letters as Bank of America bill pay customer service didnt understand that the letters they were copying me on were actually there multiple requests to XXXX XXXX XXXXXXXX XXXX to complete and return to them an Affidavit of Non Receipt which was never sent back to Bank of America XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A