Date Received: 2023-04-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX an account under my maiden name ( XXXX XXXX ) and old residential address was opened, I was notified via email, XXXX Subsequently, on XX/XX/XXXX, another account was opened, under my maiden name ( XXXX XXXX ) and old residential address was opened, I was notified via email, XXXX Each incident was reported to Bank of America on the day the account was opened to report fraudulent activities. To the best of my knowledge, no money or transactions occurred. Fraud case id # s are as follows provided by Bank of America : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18914
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2023 I received an email saying that a Bank of America checking account was opened in my name. I did not authorize that are open that account. It seems whoever did this has all of my information including my full name, email address, and Social Security number. I called Bank of America and had that account closed. I received that same email Monday morning, XX/XX/2023 saying that another account was opened in my name. I called Bank of America again and have that account closed. I also contacted the credit bureaus to put a freeze on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Dear Bank of America Legal Dept. : I have incurred at least twenty-seven ( 27 ) fees, totaling at least {$170.00}, of which only four ( 4 ) fees have been reversed for a total fee reversal credit of {$27.00}. To date, my calculations show that I have been charged at least {$140.00} in junk fees XXXX Bank of America ATM fees ( including in the State of Alabama where there are no Bank of America locations ), Monthly Maintenance Fees, Wire Transfer Fees, a Stop Payment Fee, etc. In fact, even after initiating a complaint with Bank of America regarding the aforementioned fees, I was charged another Monthly Maintenance Fee of {$12.00} on XX/XX/2023. After several unsuccessful attempts to mitigate through the proper channels within Bank of America, including through Bank of Americas Executive Resolutions Dept., I believe it is necessary at this point to seek relief through a court of law. In addition, I intend to file a formal complaint with my State Attorney General, the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), each of whom share enforcement authority. In addition to a Court of proper jurisdiction, and my State Attorney General, enforcement authority extends to the Consumer Financial Protection Bureau and Federal Trade Commission. In fact, a large majority of enforcement action in matters such as this come from the CFPB and/or FTC, and both agencies are ramping up enforcement of junk fees. President Biden recently called on Congress during his State of the Union Address to pass the Junk Fee Prevention Act, which will reduce hidden or unexpected charges from banks, hotels, airlines, and other service providers. Even as the Administration is taking significant steps to use existing authority to eliminate junk fees, the President is calling on Congress to pass a Junk Fee Prevention Act that cracks down on four types of junk fees that cost American consumers billions of dollars a year. I would caution Bank of America against taking a position that their fees are lawful and do not fall under the aforementioned type of junk fees. XXXX : //www.whitehouse.gov/briefing-room/statements- releases/2023/02/01/fact-sheet-president-biden-highlights-new-progress-on-his-competition-agenda/ Becauseof thepossibilityof alawsuitarisingout of this situation, it is important that Bank of America preserve all potential evidence. Specifically, please preserve evidence such as documents, electronically stored information - including electronic documents, emails, electronic data, photographs, videos, and metadata showing dates of creation, modification, or deletion of files - and tangible things which may become discoverable in litigation. Moreover, please preserve any and all potential electronic evidence, including but not limited to, the hard drives of any employee who may become a party or a witness to litigation, the history of website or internet usage, and electronic mail received or sent. Please do not destroy, erase, or otherwise alter any writings or documents, regardless of physical form or type. While I am certainly amenable to amicable resolution to prevent unnecessary, time-consuming, costly litigation for all parties, I must note this situation has been ongoing for a very long time and likely affects a very large class of individuals. In fact, a XXXX, 2023 Bank of America Press Release indicates Bank of America serves approximately XXXX XXXX consumer and small business clients. Assuming only XXXX of Bank of America clients have incurred a similar amount of junk fees as I, that would amount to over {$2.00} XXXX dollars in fees alone that Bank of America has collected. I estimate that number is much larger, and governing agencies such as the CFPB and FTC can issue a Civil Investigative Demand to determine the exact number. Should litigation become necessary, I will file this case in United States District Court ( Federal Court ) and pursue the maximum recovery possible for actual damages, punitive damages, statutory damages, and attorneys fees and costs. In addition, I will seek an Order enjoining Bank of America from continuing to engage in unfair and deceptive practices. Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX ( XXXX ) XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: As of today, 3 fraudulent " XXXX '' checking accounts have been opened in my name with Bank of America ( BoA ), with a fourth account still pending today ( XX/XX/XXXX ). The dates of the incidents were XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was alerted to these accounts because the scammers used my personal email address, where I received notifications about the account application process. For each account, I contacted BoA fraud services to close the accounts at XXXX. No money was ever deposited in these accounts. All emails were also forwarded to XXXX. Four claims were filed with the following claim numbers : XXXX, XXXX, XXXX and XXXX. After the initial attempt on XX/XX/XXXX I went through the recommended identity theft protection steps including freezing my credit with all agencies, implementing a 1 year fraud alert, freezing my XXXX profile, changing all passwords and using XXXX. I have also filed FTC reports ( XX/XX/XXXX, XXXX, and XX/XX/XXXX ), and submitted a complaint with the SSA OIG ( XX/XX/XXXX ). Despite these measures, as well as assurances from BoA that all future accounts opened with my SSN would be flagged and denied following my XX/XX/XXXX claim, two applications were approved ( XX/XX/XXXX and XX/XX/XXXX ) and one is still pending. If BoA was truly implementing security measures ( ie utilizing XXXX, checking their own supposed fraud flagging system ), any of the security actions I took should have stopped the new applications in their tracks. I requested information about my claim be mailed to me at my home address after the XX/XX/XXXX attempt, and was told that an investigation would be opened once I filled out the information requested in the BoA forms. As of today I have received nothing from Bank of America, despite a representative today assuring me that forms *were* sent out for the first claim. I have spoken many times with BoA fraud as well as in person at a local BoA branch, received multiple assurances, yet continue to experience fraudulent account openings, and have no evidence of any fraud investigation actually being conducted by BoA. A quick search online shows that I am not alone in experiencing recent fraudulent XXXX account openings with BoA in recent months, with a particular uptick in activity within the past month ( for example, see XXXX ). Online discussions show that other victims are also experiencing account openings *despite* implementing recommended security measures. This is particularly egregious given recent news articles about BoA experiencing higher than expected profits due in *particular* to increased deposits and checking account openings. Overall, there is clearly some of kind of systematic abuse, or security flaw within BoA that needs to be investigated and addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: In XX/XX/2023 I applied for an airline credit card via Bank of America and was approved. The card never arrived. I called an inquired and was told it would be sent again and received an approval letter at the address requested. The card was never sent. Then they closed the account without contacting me ( finding out later they sent a request for more information to an old address they inquired about ). So they pulled my credit, approved an account/line, then closed it. They refuse to resubmit or remove their self imposed fraud designation- which was not fraud. They now refuse to help and told me I could reapply - thereby hard hitting my credit again over their mistakes and would now base their new decision on a less credit score because of their self imposed penalties when I did nothing wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The bank reordered the posting of charges in my account which led to the draining of my savings with its overdraft protection program.I posted my payment for rent a big purchase on XX/XX/15 with the rental companys disclaimer of a day for processing the reordering of these charges caused almost {$400.00} to leaving my saving account which wouldve been unnecessary with the correct order of charges the banks restructuring of these charges caused me to lose these funds completely
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XXXX XXXX XXXX, I transferred {$30000.00} from my Bank of America checking account into my savings acct online, but I accidentally transferred it into my Visa Rewards Signature Account instead. I immediately called ( XXXX ) to have this fixed and was told over the phone that we had to wait until it was posted for it to be returned. I called on XXXX as it had been posted and spoke with XXXX who informed me it would take 3-5 days for it to be returned as they had to ensure it wasn't fraud money. I gave them more days than that. On XXXX I called back because I still hadn't received my money back into my acct. I spoke with XXXX and he stated up to 10 days from right then as the process had to start over since I was making the request again to have the money replaced back into my account. On XXXX, still no money, I spoke with XXXX and XXXX and am now told up to 48 hrs for the money to be returned. It is now XXXX and my {$30000.00} has not been returned to my account. I had a XXXX balance on my card so there has been a credit for {$30000.00} for over a month now that they will not return. I have called again today and am waiting for the XXXX XXXX XXXX to call me back - his name is XXXX XXXX. If it was reveresed and I owed them {$30000.00} I would have to pay significant amounts of interest. This is fraud as they are making money off my error that I tried to rectify immediately. This is in violation of the CFPB 's 1026.11 regulation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: closed account has a inaccurate information ( late payment ). I have called Bank of America multiple times, to discuss the inaccurate late payment but theyre not even able to find my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PR
Zip: 00921
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Scammer called : Phone number XXXX ( XXXX ) XXXX sent my phone a text message saying {$120000.00} was charged to a Bank of America Account which I do not have an open account with Bank of America whatsoever. I called to inquire and explained this and when I mentioned about the possibility that I am being scammed, the representative immediately hung up. He was asking for my personal information and I refused to give it. I just want to maintain records in case something else occurs further. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91709
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Hello, My name is XXXX XXXX. I have been a customer of Bank of America since XXXX. I had a personal Bank of America CC ( ending XXXX ) that was settled and closed since XXXX. However, I did not delete this card 's account from my online banking. Last year, I made payments to my active Bank of America CC using the online banking for a total of {$13000.00}. However, these payments were posted on the bank of America CC ( XXXX ) that was settled and closed. When I realized that the payments were going to the wrong CC, I called BOFA and received some of the money back in different forms. These payments were either deposited to my bank account or mailed to my house. I am still missing the amount of {$5600.00} though. I have been calling XXXX and transferred from one department to another since XXXX of XXXX. Each phone call I made, I heard a different scenario from the representative. I even went to a BOFA location in my area and the representative called the XXXX department but again the issue stayed unsolved. During my phone calls I got a case number # XXXX. I also got phone numbers of different BOFA departments. The last number I used was XXXX. I called this number about 10 days ago and today. Todays call was escalated to a manager who informed me that the case has been at the BOFA business office since XXXX the XXXX and it is pending review. Today is XXXX the XXXX and this refund has been pending review since XXXX the XXXX. Wow Let me know please if you can help me and if you need more information.. Your immediate attention is really appreciated. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02062
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A