Date Received: 2024-01-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My XXXX debit card was fraudulently charged {$380.00}. I tried disputing these charges XXXX times while also submitting a police report and my driver license. Bank of America continues to deny the claim without investigating anything. They keep saying that because the card was in my possession that its basically my fault. I have no clue how a scammer got my card info but they did and I cant afford to lose {$380.00} because the bank doesnt want to actually investigate and arrest those responsible. I live paycheck to paycheck and can not afford to just give away {$380.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95821
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Account name BANK OF AMERICA Account number XXXX Account type Secured Card I'm reaching out in hopes of settling this debt in order to restore my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I used online bill pay to pay my HOA fee in XXXX and XXXX, BOA appeared that they should mailed the paper check to the bank which HOA named. I did XXXX XXXX through BOA online bank on XX/XX/XXXX and XX/XX/XXXX, BOA appeared the paper check delivered on XX/XX/XXXX and XX/XX/XXXX. But HOA charged me the late fee in XXXX, because they received my HOA fee on XX/XX/XXXX! the due day is XXXX per month. This month, XXXX, I just confirmed that HOA received on XXXX! This month they sent me which check they received, I found they received the paper check is not from BOA that I used the bank! Inkstand of bank is XXXX XXXX! and date on the check is not the date I did bill pay, instant of the date which the check delivery date! I do not know what happened with BOA, but I am sure there has some serious problem at my BOA account! I attached the file about this case for your reference!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX & XXXX dates I had been scammed by someone that called using Bank of America phone number saying someone was using my card. They needed me to verify by clicking a text. At that point, I had thought it was Bank of America. Then they called again saying they mailed the card to wrong address, I did not give them my address although they needed to have me verify it was me. I went into my account and saw that money was being transferred out of my account. I called my local bank branch and they referred me to the Fraud Dept. I called the Fraud dept. and explained my problem and told them to freeze my account to stop the withdrawal. They were able to take one of the withdrawal amounts. I have been dealing with this for XXXX months while they investigating. They claimed I authorized someone in New York to use my card to take this money out. I had tried everything to stop the withdrawal but, they still are accusing me of this fraud and have taken the money out of my account after crediting it while the investigation was in review. This money is needed for paying my taxes at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06824
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I believe that, as a XXXX XXXX I was taken advantage of, and given a forbearance second mortgage instead of a refinance to lower my interest rate as was discussed with the XXXX XXXX representatives to help XXXX fill out the paperwork for the Obama HARP program. I began with this complaint process over the telephone, complaint XXXX XXXXXXXX, and was instructed to create an account to upload my payment history and modification documents. I was not in arrears at the time they gave me a forbearance instead of a loan modification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/year>, I deposited an amount of {$2800.00} into my Bank of America account. This deposit was from the sale of my personal vehicle, a decision I made out of necessity, as the funds are urgently needed for medical treatment. Despite this, my account was closed abruptly and without any provided explanation or prior notice. Attempts to understand the reason behind this closure from the bank have been unsuccessful, leaving me without access to the crucial funds. This situation has not only caused significant financial distress but also impedes my ability to manage my health expenses. I urgently request a detailed explanation and immediate action to resolve this issue and restore access to my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX I deposited XXXX checks payable to my XXXX from the US Treasury in the amounts of {$63000.00}, {$63000.00}, {$36000.00}. At which time I was told they would be delayed til XX/XX/XXXX. On XX/XX/XXXX I was informed they would be holding my funds longer. Then I was notified they were closing my account and the fund would be sent out to me in form of a Cashiers check. I never received the cashiers check when I called them they said they was holding the fund for investigation and to contact the US Treasury. I called the IRS and US Treasury and was informed the check was cashed and there was no issue on their end involving the funds and that Bank of America had received the funds and there was nothing further they could assist me with. I have been trying to get Bank of America to release my funds and send the cashiers check. I had already provided them the business license from the City showing the XXXX. I will be attaching copies of the letters I got from my last complaint, IRS Transcripts, Copies of the checks deposited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02740
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX convinced me of a passive income opportunity on XX/XX/2023. XXXX stated he and his partner, XXXX XXXX, would manage my next step funded account and I would receive a passive income payout of $ XXXX {$4000.00} monthly. The initial investment cost was {$4500.00} and he claimed I would receive my entire return on investment within 90 days. After my return was not received, I started to inquire with XXXX and each time there was a new excuse of why the payment was not received. He also strongly encouraged me to get an LLC for tax purposes, which the initial cost was {$800.00}. He put me in contact with someone to set it up, come to find out, I did not need an LLC and now to dissolve the LLC and not be penalized for not maintaining it, I had to pay another {$340.00} to dissolve it. After getting in contact with a few of the other investors that were scammed its looking like this is turning out to be a ponzy scheme run by XXXX XXXX and XXXX XXXX. There was an SEC filled on XXXX XXXX with multiple individuals who were affected as well. ( Attached is the stamp document ) Theres an on going criminal investigation currently on the situation with XXXX XXXX. I requested a fraud claim through my personal bankin ( Bank of America ) and they denied the claim. Please help me resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92596
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
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: On XX/XX/XXXX, I purchased a XXXX flight from XXXX to XXXX in the amount of XXXX. The flight was delayed each way by more than XXXX hours. Per XXXX guidelines, I am entitled to a full and complete refund. I contacted the merchant and they were unable to help resolve this issue. I then filed a dispute with Bank of America, and submitted all supporting documents within the timeframe, and my claim was denied. I requested to have my claim re-opened and they have denied it without any further investigation into the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95835
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was in the process of getting a mortgage in XX/XX/2023 when we discovered a charged-off account listed on my XXXX credit report, as well as a collection for said account. I started a dispute on the credit card account through XXXX as well as contacted Bank of America to get verification that the account was not mine. After XXXX phone calls with Bank of America , they were never able to link the account to me after providing my personal information such as social, addresses, account numbers, etc. The charged-off account shows a similarly spelled name, a different middle initial, and the same last name as mine. Also, the account populated a Texas address on my credit report, and I have always lived in XXXX. All of my accounts and records reflect that. Now I show a charged-off account through Bank of America , as well as a collection on my XXXX report that is affecting my credit adversely. XXXX did its job investigating the discrepancy, but the dispute came back the same since whoever they dealt with at Bank of America did not take the time to look into it any deeper. I am at a point of frustration with them considering I have my checking, savings, and credit card that are all in good standing with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72204
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A