Date Received: 2023-04-19
Issue: Fraud or scam
Subissue:
Consumer Complaint: A vicious scam happened to me from XXXX XXXX XXXX. I was deceived into a fraudulent investment scheme about XXXX XXXX. I was skillfully duped to transfer my personal savings from my checking /saving accounts at Bank of America to some international institutions used by fraudsters to fund my investment account. The funds were stolen as soon as leaving my bank accounts through wire transfers. The following were the dates and amounts on these wire transfers. XXXX XX/XX/XXXX XXXX $ XXXX Claim # XXXX {$72000.00} XX/XX/XXXX Claim # : XXXX {$60000.00} XX/XX/XXXX Claim # : XXXX I contacted Bank of America through OCC as well as CFPB last XXXX XXXX There is no formal response from Bank of America and my concern/questions were not addressed except brief statement about unsuccessful attempts of these wire transfer recalls. There was no details about where my funds went and the identities of recipients ( or fake identities maybe ). In my previous complaints to Bank of America, I listed some points of negligence and lack of fraud protection in handling my wire transfers from Bank of America. The total amount of {$330000.00} were stolen from this vicious scam. Its my life time savings and retirement funds. The authorized wire transfers were not legitimate because its a scam and fraud. I sent my money and thought it went to my investment account but instead, it went into fraudster accounts. I request Bank of America to investigate these transactions and provide the detailed information about my previous inquiries. What did your fraud protection department do when larger amount of funds were transferred in such short periods repeatedly? There was one wire transfer was blocked on XX/XX/XXXX by fraud department but the same receiving account were used next week without any issues and wired funds went through. Why there was no alerts and warnings, if there was suspicious activities in that checking/saving accounts previously?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of America has continuously miss the auto payment even after I have set it up with their representative. They said that my auto pay was canceled in XXXX but I never did this action. I called their representative and set up the auto pay again, the credit card bill was auto payed in XXXX, in XXXX the bill did not auto pay and so I was charged with late fee charge and interest charge on my credit card. Previous months I was able to get these refunded but this month they continue to say that my autopay was not set up and refuse to refund these fees and interest charges. They kept saying that they do not have access to autopay implying that I canceled the autopay myself, when I have not. When I called in XXXX I clearly asked the representative about wether the auto payment was set up for monthly and 3 days before closing date or not, and they said yes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98146
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On XX/XX/18 I reached out to BOA for clarification regarding my XXXX and XXXX statements as I accrued interest on a purchase as the balance was unpaid however I a refund was initiated with the merchant that took some time. The refund was posted in the next statement and was for the full amount. However when I reached out to Bank of America to see if this could be reversed as this is usually what happens when the purchase was reversed/refund and the interest charge would usually be refunded but that wasn't the case when I reached out to them as they stated this is a valid charge and that nothing could be done about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
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: 2023-04-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Bank of America closed my account and took my money due to checking account fraud. I was a victim of Identity theft. Someone opened an account at XXXX XXXX and apparently did fraudulent transaction. My XXXX XXXX XXXX report said the accident took place on XX/XX/2022. So Bank of America closed my account and refused to give me my money back. Unless the XXXX XXXX recall the a wire that came from now closed checking account. I closed my XXXX XXXX account because someone hacked my account. XXXX XXXX told me to withdraw my money and thats what I did. I wired the money to Bank of America but they froze my account and took my money. I already disputed the fraudulent account with XXXX XXXX. XXXX XXXX said they couldnt recall the wire because it wasnt fraudulent and the account is closed. Now I cant open a checking account anywhere due to Bank of America false accusation. I have the voice recording and emails from both banks stating what I just mentioned. Its been over 3 months. Bank of America is giving me the runaround. The enterprise complaint would called me after hours so I couldnt call back. They dont reply to voicemails nor emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76240
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a Countrywide mortgage that originated in XXXX. Bank of America states that they service the loan for XXXX XXXX XXXX XXXX XXXXXXXX. Bank of America has frozen my online access to the account and has returned over fifteen payments to me that I have made to the account. On XX/XX/XXXX : The Consumer Financial Protection Bureau announced Thursday ( XX/XX/XXXX ) that it has leveled a {$100.00} XXXX fine at Bank of America for allegedly messing up the disbursement of state unemployment benefits during the pandemic. Bank of America reportedly automatically and unlawfully froze peoples accounts with a flawed fraud detection program, according to a CFPB press release. The CFPB also alleged the bank didnt offer impacted individuals much recourse, even if there was no fraud. ( XXXX XXXX /XXXX/news/cfpbXXXX/cfpb-fines-bank-of-america-XXXX-over-alleged-unlawful-account-freezing/ ) According to several different Bank of America employees that I spoke to during the week of XX/XX/XXXX they have a right to freeze my account. They suggested I speak to the law firm of XXXX XXXX. XXXX. An attorney at XXXX XXXX. XXXX in XXXX, Maryland who I had emailed about the freeze before making some of the phone calls suggested I call Bank of America. Bank of America knows that I have applied for Homeowner Assistance Funds and have a HAF letter from the XXXX, DC Government office handling HAF ( https : //haf.dc.gov/ ). The attorney I spoke to at XXXX XXXX. XXXX has told me several times I am not in foreclosure. Regardless of this, Bank of America has frozen access to my account. When I wanted to retrieve some documents for my tax preparation I wasn't able to. In addition I have an interest in reviewing my account history and reviewing different documents as I have always been able. In this age of paperless statements and paperless documents the customer should be able to access their online accounts. There are particular documents I am interested in printing out and forwarding to the CFPB and others but I can't do it because I am frozen out of the account. Bank of America is aware that I have made several complaints to the CFPB and may be trying to stop me from accessing my loan documents ( I don't know ). I should be allowed access to my loan history and all documents and be able to review all of them. In addition Bank of America has returned over fifteen payments I have made to them. One bank of America employee who I spoke to on XX/XX/XXXX said this should not be happening and he corrected the error on XX/XX/XXXX but the " error '' came back in XXXX of XXXX. When I mentioned this to the employees I spoke to during the week of XX/XX/XXXX they were not able or not interested in reversing the computer to allow me to make payments. In light of the XX/XX/XXXX ruling from the CFPB I believe that the freezing of my account is unlawful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XX/XX/XXXX, XX/XX/XXXX, and again in XXXX of XXXX, a group of scammers were repeatedly able to use my SSN to create a Bank of America Advantage SafeBalance Banking Account. These accounts were created with the purpose of defrauding the bank, while making me liable for their actions. Bank of America repeatedly ignored a freeze with XXXX, and my repeated calls to them to not allow any new accounts to be opened for my SSN. Each time this happened, they would simply close the account. When the scammers would make a new account, Bank of America would always approve it without any extra verification, in spite of all my efforts in talking to them, credit bureau alerts, and a XXXX freeze in place. This is pure negligence by Bank of America, and puts victims of identity theft like me in a constant state of peril with their unscrupulous operations and lack of identity verification and safeguards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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: At the end of XXXX of XX/XX/XXXX, I purchased dance shoes on XXXX for my daughter, 3 times total due to the sizing. The first two pairs were returned, we kept the 3rd pair. I received a refund for one of those in my bank account but the other refund that XXXX did process never reached my bank account. I reached out to XXXX towards the end of XXXX to report the issue. I spoke with XXXX on several occasions and they stated the refund was sent to my bank account when they sent me a confirmation email stating the refund had been processed. They stated it is now out of their hands and up to Bank of America to locate the refund. I provided Bank of America with the transaction ID that XXXX stated usually helps them locate the refund in situations like these and I also forwarded Bank of America all of the emails from XXXX showing that they did process the refund. I even called XXXX with a BOA supervisor on the phone and he was able to hear XXXX state that they did process the refund. However, whenever BOA calls XXXX on their own, BOA reports back to me that XXXX states the item was never returned which is bizarre because I have proof that it was, proof that XXXX sent the refund and XXXX has never stated such a thing to me, ever. I escalated the issue to the XXXX around XX/XX/XXXX. They were able to get XXXX XXXX from the Regulatory Complaints Department to reach out to me. She called me on XX/XX/XXXX @ XXXX. However, she called on my birthday and I completely missed her call. I called her back immediately the next day, left a voicemail and called a few other times and did the same during the month of XX/XX/XXXX. XXXX never once returned my call. I even had the XXXX reps I was working with reach back out to XXXX to return my call and she still did not. Instead, she just closed my case once the XXXX started reaching out to her. I had requested that BOA and myself conference in XXXX like I did in XXXX so this could be resolved but this request fell on death ears and I just kept receiving the same response that I didn't return the item. The XXXX closed my case in XX/XX/XXXX, stating the issue had been resolved in the customer 's favor which was not true at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
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 writing to follow up on my previous complaint regarding a fraudulent charge on my credit card account that was reported on XX/XX/XXXX, in the amount of {$170.00}. Despite multiple attempts to resolve this issue over the past several months, I have yet to receive any updates on my dispute or a claim number from your institution. I am extremely disappointed in the lack of progress and attention that has been given to my case. As a result, it appears that Bank of America is essentially stealing my money at this point, as the fraudulent charge has not been removed from my account. I have also filed a CFPB complaint. The agent did not respond or help me resolve my case in the 60 days following this complaint. On XX/XX/XXXX, my credit card issued by Bank of America ( BoA ), was charged {$170.00}. This was a fraud purchase that I did not make. The charge was posted on my account on XX/XX/XXXX. Since then, I have contacted Bank of America on three separate occasions to resolve this issue. Every time I was made to wait for over 30 minutes on hold and before being redirected to a different department. Finally, BoA mentioned that they will process review my dispute, file a claim, and provide a claim number. Its XX/XX/XXXX and I have not received a claim number or any updates on my dispute. No email communication or mail. As I type this report, I am on hold with BoAs customer service waiting for someone from their fraud department to take my call. Since it has been over seven months, Im filing this complaint in the hope that CFPB can help with the resolution. Please let me know if you need any additional information on this case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98199
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XX/XX/2023 an unauthorized charge was made to my Bank of America checking account thru XXXX by a merchant I do not recognize and have never done any business with in the past. The amount charged was {$290.00}. On XXXX XX/XX/2023 I contacted Bank of Americas fraud department to make the complaint of unauthorized use of my card and they promptly gave me a temporary credit of {$290.00} on XXXX XX/XX/2023. However on XXXX XX/XX/2023, Bank of America reversed the charge and debited my account for {$290.00}, claiming that they came to the conclusion that the initial charge made by the merchant in the amount of {$290.00} on XXXX XX/XX/2023 was legitimate. They have provided absolutely no proof in any shape, way, or form that the charge was legitimate, and I have absolutely no recollection of ever doing any form of business with the merchant in question. I have been banking with Bank of America for two decades and this sort of treatment is totally unacceptable. I want to reiterate that this was a fraudulent charge and I did not authorize the payment of {$290.00} on XXXX XX/XX/2023. I also do not recognize the merchant. Im formally making this complaint today to demand that Bank of America fixes this mistake and returns me my money. I feel that I am being abused by both the unauthorized merchant and Bank of America and this is totally unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The bank fraud started with account ending in XXXX on XX/XX/XXXX please refer back to the call that was recorded the day that I file the claims for the ATM withdrawals that I didnt get and the cash bags that I didnt get but was removed from my account and was supposed to be reversed back to my account and never XXXX please refer to the call XX/XX/XXXX the very next day that I called and only {$50.00} out of XXXX and something was placed back into my account Bank of America XXXX XX/XX/XXXX I had to file a police report because my sister only needed my phone number and try to retrieve cash back at a XXXX on XXXX XXXX I was told I couldnt press charges because the bank declined the transaction every since XX/XX/XXXX the following has happened I have woken up and it showed my username have been looked up multiple times I will call and ask Bank of America what did that mean they told me no worries dont worry about it Ive call Bank of America and ask them why it is showing that I am operating from an XXXX when I dont own an XXXX. Bank of America could never really give me a direct answer is to why online banking was stating I was using an XXXX in reality I wasnt even using online banking I was using the app. I was sent to Bank of America multiple times at least 15+ times to authenticate myself with my phone number after being authenticated before leaving the bank with the branch manager he too stated there was something going on to the point where yall kept asking me to come to the bank to be authenticated with a phone number that was mine it had already been authenticated that was another red flag Bank of America chose to ignore the red flag around XX/XX/XXXX through XX/XX/XXXX I would wake up in the Morning and noticed that there are notifications on my phone showing that a new device has logged in to my online banking at XXXX XXXX XXXX at times that I was not logging into my online banking Ill call Bank of America and ask them about this red flag they could not give me a straightforward answer I screenshot it everything provided documentation that my username was being looked up in my online banking with being logged into while I was sleep there are multiple transactions where there were money {$400.00} {$500.00} transferred from my online banking to another account without my consent now when ever you add those together it is approximately almost {$950.00} which is what I transferred personally from my savings to the checking until my money was going to be replaced as promised the issue is the money was never replaced Bank of America took {$950.00} for me I have the receipt I have the proof and the bankers from the bank can provide the proof. on XXXX the XXXX XXXX I transfer it from my account into XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars leaving me with XXXX XXXX XXXX XXXX XXXX dollars which I picked up at the XXXX South Carolina Bank of America branch looking at the statements that was given to me twice in one day there are multiple bank errors there are multiple lies and discrepancies the claims that I try to file on XX/XX/XXXX for the money that was removed from my account for purchases I didnt get the fraud department stated that they could not find those transactions but I went the very next day and the lady print it out the same as it transactions for multiple transactions that were declined that was actually removed from my account. Also while at XXXX the fraud department contacted me and stated that the {$400.00} that was placed in a wrong closed account ending in XXXX stated that that was not placed over there that the banker lot but I have a receipt that shows that the banker put the money the {$400.00} into the account ending in XXXX. Bank of America owes me approximately {$1300.00} please refer back to XX/XX/XXXX also refer to XX/XX/XXXX. Bank of America lied and told me in on XX/XX/XXXX our way up till XX/XX/XXXX that the account ending in XXXX will be close a cashiers check would be mailed out to me no later than XX/XX/XXXX I contacted Bank of America today they told me that all four agents lied to me that there will be no cashiers check mailed out to me on the XXXX that has been pushed out to XX/XX/XXXX I have went without bills that are past due I have XXXX children theyre holding my money for ransom someone even called in as if they were me and file false claims that I would not have never known if I didnt get a letter from Bank of America I honestly call Bank of America and told him hey that wasnt me that filed those claims. This is a cyber security issue I reached out to the office of comptroller they stated that the consumer financial protection bureau will make sure that Bank of America handles my account. The agents are unethical unprofessional rude hanging up on me after me providing them prove that the money is rightfully owed to me every agent has hung up the phone when I called to let Bank of America know hey I didnt file a claim for {$330.00} I found a claim for this then they were able to hurry up and take that money out of my account they are holding me and my kids money for Ransom.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A