Date Received: 2023-04-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received ( 4 ) emails from a legitimate email from Bank of America, saying I had an online application in process for a Bank of America Advantage SafeBalance Checking account. I never opened an account and haven't held an account with BoA since XXXX. I called BoA, they put me through to the checks systems team who helped me close out the account but they did let me know that someone would have needed my FULL social security number to open an account, so there is obviously a major security breach somewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
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 customer service
Subissue:
Consumer Complaint: My Aunt 's pension was held by XXXX XXXX. I sent the requested original Death certificate and Revocable Trust Documents of XXXX XXXX XXXX on XX/XX/XXXX to : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX It was received XX/XX/XXXX. By XX/XX/XXXX, Bank of America/Merrill Lynch was to facilitate. I was instructed ML Benefits would call. That didn't happen. I called them XX/XX/XXXX. My last ( tenth ) call was XX/XX/XXXX. I have never gotten past the call center. I did talk to a supervisor and he followed up with nothing new. The only insight I received was ML Benefits says they never got what they needed from XXXX. We all agree on the XXXX XXXX day as the transition day. To this day the only way to get through the phone menu is to use my Aunt 's SSN and her birthday. The call center people aren't given the tools to move things along. I'm constantly asking to talk to a Case Manager. My last service request files was XXXX filed with XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47630
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: After having this dispute go on for 3 yrs, it was finally resolved in my favor, as I thought it was case XXXX CC ending XXXX. I just received a collection notice for {$670.00}. The case was closed by Bank of America. Please review my Att. Letters & help me once & for all. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 089XX
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A Bank of America checking account was opened in my name fraudulently
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02324
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: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Need this debt taken off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 my phone was stolen from a restaurant. I tracked my phone found it was in XXXX. The next day I put my phone on a freeze with XXXX so it couldn't be used. I was without a phone for a few weeks. I then purchased a new phone kept same phone number. Everything from old phone transferred to new phone. I was unable to receive phone calls. I thought is was a phone issue contact and made claims with version. Turnout phone was hacked and they call forwarded all my calls to the " hacker ''. I was unaware of how many calls went through. On XX/XX/2023 my savings account was emptied, leaving me a ZERO balance. I contacted the bank and they stated it was a withdrawal to XXXX which it was not authorized by me. They stated they followed procedure to authorize the transaction. It was not ME as my calls were forwarded to the " hacker ''. I filed a fraud complaint with Bank of America and went down to the bank in person to provide my ID, bank info etc. I gave them everything they asked for. I also filed a fraud complaint with XXXX. The bank sent me a letter stating my claim was denied. I am a college student working 2 jobs. I need to have this money returned to me ASAP. Please assist me. I will provide anything you need. The name that was associated to the withdrawal was XXXX XXXX. no phone or email attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91941
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I made a mobile check deposit on my phone into my personal account. The check was made out to me for {$1500.00} from my employer. In error I posted the check in question for {$1000.00} instead of {$1500.00} to my checking account. Bank of America caught the error in their system and made the correction on my behalf. They sent an email to confirm. However, Bank of America decided to hold funds for an excessive amount of time, 9 days until XX/XX/2023. I checked with my employer who have informed me the funds were cleared XX/XX/2023. I reached out to BOA and spoke to manager XXXX # XXXX. I explained to him it was an error I had made on the mobile app system and that the funds were needed to pay my mortgage which is now late. I also requested documentation in their policy where they could legally hold funds that long. I got no answers and insisted I have to wait til XX/XX/2023. This is a financial hardship for me. Can anyone help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30071
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 or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I had XXXX XX/XX/. The MD and I filled out XXXX forms from EDD and I was TOLD I was sent a card with {$4700.00}. The card was lost several times before I finally got it. I finally got the card on XX/XX/2021, ALL THE MONEY WAS GONE except {$48.00} I HAVE BEEN FIGHTING WITH BANK OF AMERICA FOR 2 YEARS. I HAVE SENT IN FILES AND PAGES OF REPORTS I WAS ADVISED TO FILL OUT. THE MONEY WAS STOLEN OFF MY CARD AND TRANSFERRED TO SOMEWHERE ELSE. I HAVE NEVER SEEN MY XXXX MONEY FROM MY EMERGENCY XXXX I AM A RESPONSIBLE AND PROFESSIONAL. I AM SO FRUSTRATED, THE BANK HAS BEEN TELLING ME FOR 2 YEARS IT WILL BE SOLVED SOON PLEASE CAN SOMEONE HELP ME!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 961XX
Submitted Via: Web
Date Sent: 2023-05-02
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: Problem using a debit or ATM card
Consumer Complaint: My identity was stolen as well as well as my bank accounts. my account was closed and hard pulls we made on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90037
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: Someone created an account with my information. I became aware of this when going through my emails. There were many emails when the account was created. One of which was an emial verification that was never opened. If the email was never verified than why was an account even created?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60085
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A