Date Received: 2023-04-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened Bank of America savings account in my name without my consent. I called Bank of America immediately and they were able to close this fraudulent account. Account was not funded therefore there was no loss and my claim was closed. I went ahead and initiated fraud alert with credit reporting bureaus. Person that was able to open account in my name had access to my following personal information : previous mailing address, current email address, most likely social security number, my birthday which they entered incorrectly by one day ( might have been intentional ) .This account was opened on XX/XX/2023. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98118
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: on XX/XX/XXXX I contacted Bank of America about a Credit Card that was open without my authorization. I never requested or wanted any business with Bank America. The account is XXXX XXXX XXXX XXXX. I first received a notice of this card when I opened a letter from Bank of America with an Account Summary/Payment information showing a balance of {$7000.00}. It showed 4 purchases that I never made. I contacted Bank America immediately via phone on XX/XX/XXXX at XXXX XXXX and spoke with B of A fraud representative named, " XXXX ''. He noted our conversation that I had never opened the account and he said he closed the account. I spent the morning contacting all three credit bureaus and sent a letter to B of A on XX/XX/XXXX with a letter sent Certified Mail Receipt number XXXX XXXX XXXX XXXX XXXX with a copy of the FTC Identity Theft Report XXXX with a copy of the California Drivers License and XXXX XXXX XXXX Police report number of XXXX. On XX/XX/XXXX I sent another Certified Mail Receipt letter ( XXXX XXXX XXXX XXXX XXXX ) with a copy of my CA Drivers License to B of A with an original 'Fair and Accurate Credit Transactions Act of 2003 ( FACT ACT ) Identity Theft Victim Request for Information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92020
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
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: Approximately one month ago XXXX XXXX XXXX, I received several emails from Bank of America stating a new account had been opened in my name that I did not request. I immediately contacted the Bank of America fraud department and after being redirected to call multiple different numbers I was able to speak to someone who could close the accounts and resolve my issue. After resolving the issue with Bank of America I placed a credit freeze on my account and followed all of their recommendations regarding identity theft. I was told by the fraud department representative that they would freeze any activity regarding my social security for their bank but I also should contact all of my personal financial institutions as well as sign up for a freeze in XXXX to freeze any future activity at other institutions. I completed all the recommended steps and today almost exactly a month later, I received a new set of emails from Bank of America similar to the emails from last month however the account number was different. I again contacted Bank of America and was shuffled around to different departments until I finally reached someone who could help me. After providing some verifying information the agent confirmed that a new account had indeed been opened in my name and that there had in fact been 3 attempts to open accounts in my name over the last month the previous 2 were denied however somehow this one was approved. I explained to the agent that I was assured that my information was protected at their institution and i could not understand why this account was approved. The agent couldn't offer an answer as to why the application was approved except that fraudsters are persistent and they will continue trying and sometimes they are able to get through. After a total of an hour, I was able to get the account closed and was again assured that my information was on high alert and secured in their systems from future activity, however, after these previous incidents I'm not confident in their ability to prevent this from happening again to anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
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: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: To Whom it may concern : I got an alert from my credit report service ( XXXX ) that Bank of America took a hard inquiry against me on XX/XX/XXXX ( Credit report # XXXX ). I have never authorized Bank of America to check my credit and I don't do banking with Bank of America. I had a security concern that someone else is using my identity with Bank of America. I had the same issue back to XX/XX/XXXX that was a fraudulent transaction with Bank of America as well ( CFPB complaint ID XXXX ) and I placed fraud alert under my name with credit bureaus. I called Bank of America on XX/XX/XXXX and spoke to customer service regards to the fraud that I was concerning. I was told there was a credit card application was summitted under my name. I have confirmed with BOA fraud department that I didn't authorize the transaction and that must be a fraud. I have requested to cancel the unauthorized transaction and remove the hard inquiries from my credit report. I was given a case # XXXX and asked to call back to follow up with the progress. I received a missed call from BOA ( XXXX ) today when I was in the meeting at work. I called back to reach out to BOA and tried to follow up with the previous case progress. I was keep being transferred to different departments and repeat my personal information and the whole story over and over again and stayed on the phone for about 2 hours. Finally I spoke to the fourth person and was told the credit card application was still open. I was told the credit card application will be closed. I reported fraudulent transaction on XX/XX/XXXX. But when I called to follow up today, they didn't find record of my XX/XX/XXXX report. I have emailed to XXXX as well and didn't receive any response so far. I strongly request Bank of America to cancel all the fraudulent transactions under my name and remove the hard inquiry from my credit report. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11228
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX our accounts were closed out for my minor daughter student joint account and saving because of some kind of electronic check deposit into her savings account. I called Bof A over 12+ time to indicated was fraud we have no knowledge of what check and wanted to get more info and see how they were going to assist us as the victims but they treated us like complete criminals. Bank of America gave me the runaround for several days including today. final i was able to file a fraud case with Bof A and the case # XXXX was closed out the same day with no resolution. i file other complaints with Bof A with no resolution as well. XXXX and XXXX. no response at all i even went in to the branch to indicate i filed a police report and did some research etc. they didn't care indicating we can open another acct until XXXX. I filed a police report because BofA sent a Copy of the check that went into the acct. the check did not come to us we did not physically receive it and it went into her account fraudulently, electronically and electronically signed the signature is not her she is a minor she does not have access to that kind of money $ XXXX, and the money does not belong to us. and Bank of America refuses to help me and all they do is just keep transferring me around I get different stories from everybody every time I call. this doesn't make any sense this affected her direct deposit from her job XXXX 's where she makes under {$300.00} cuz she's a student and then we had to wait several days and figure out how to pay ck cash her check. None of my calls are documented and each representative gives me a different story they are handling fraud cases like they're just there to collect a paycheck and not do any work on fraud. my police report # is XXXX, they took copies of the docs from Boa A, on XX/XX/XXXX. XXXX XXXX XXXX XXXX the XXXX police dept # XXXX XXXX XXXX, fax XXXX email XXXX. FDIC regarding your banking concerns on XX/XX/XXXX. Your case number is : XXXX
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: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Actual case : XXXX - this above case was just closed by Bank of America after 60 days ( cfpb max timeline ) - i got secure email on XXXX saying they need more time ( upto XXXX XXXX ) - BofA already took 6+ month in the internal case and 60 days after opened case in cfpb.not sure why they need more time. - asked the same they didn't respond my email. - on XXXX XXXX XXXX PST, talked with cfpb agent. he mentioned wait for their response/solution ( XXXX XXXX ) and then give feedback. If required, open separate case saying issue not responded/resolved but closed the case. he cant re-open the actual case. - so i am opening this case as no response/solution from BofA until now ( XXXX XXXX, XXXX XXXX PST ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95391
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Constructive Public Notice! Dear [ Bank of America ], I am writing to inform you that any business or customer transaction conducted with the United States XXXX XXXX XXXX XXXX is a Direct obligation of the United States and subject to the terms outlined in the attached documents, including the Terms of XXXX XXXX XXXX Files and the fee schedule and Schedule A. By engaging in any transactions with the vessel, you are agreeing to these terms and conditions. Therefore, I urge you to review these documents carefully and ensure that your business is fully compliant with all applicable laws and regulations. Furthermore, I request that you forward these documents to your legal department for review. If necessary, please appoint a representative or Chief Officer to handle dealings with the United States XXXX XXXX XXXX XXXX. As a consumer, it is my right to receive fair treatment and quality products or services that meet my expectations as well as the Uniform commercial Code, Codeof federal Regulations, United States XXXX. I take the matter of consumer protection very seriously, and I want to ensure that my rights are fully protected in any transaction with your business. Thank you for your attention to this matter. Sincerely, [ XXXX XXXX XXXXXXXX XXXX Authorize Representative XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Is Harm to the living man Discrimination in any form is automatic default and your company is in Agreement with said attached Documents
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: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: on 3 occasions within the last 30 days, I have had fraudulent bank accounts created with Bank of America. All 3 times I have called immediately upon receiving email confirmations and they assured me this is account is suspended and put on alert only to have it happen again and again. I have filed a police report and spoke to the rep with BOA and they assured me that they have put an alert under my name. I do not have a Bank of America account nor have I ever. Someone is creating fake bank accounts online and BOA is doing little to nothing to stop it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Reporting an error in accounting that deducted {$610.00} from my Bank of America checking account ending in XXXX that was supposed to be credit applied to my BankAmericard XXXX XXXX card ending in XXXX. This is in regards to CFPB complaint ID - XXXX XXXX XXXX is the name of the complaint specialist that handled this request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Accts ending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Bank of America has been deducting money from my available balance every time they decline a charge. Even though the money is in my account they find an excuse to decline the charge but still take that money out of my available balance. When it's time to credit the money back to my accounts, I also notice every time Bank of America does this the money is never re-deposited back into my account the transactions just go away. Also, B of A charges its customers {$50.00} each time they use a none Bank of America ATM. I was never informed of this until I saw {$50.00} dollars being deducted twice in one day and I ask the customer service rep what was that fee for, which if I never asked or noticed it I would not still know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89084
Submitted Via: Web
Date Sent: 2023-04-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A