Date Received: 2023-04-12
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: My ex girlfriend used my information and signed up for unemployment and received my prepaid card with money that was put on it on XX/XX/2023. Please cancel that card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a {$8500.00} deposit to my Bank of America checking account on XX/XX/XXXX via online banking remote deposit, the check I deposited was also drawn on Bank of America. Bank of America but a large dollar hold on the check systematically at the time of deposit for 7 days. All funds of the deposit were held until XX/XX/XXXX. I called Bank of America on XX/XX/XXXX to inquire why a 7 day hold was placed on a check drawn on the same financial institution and was informed that per Regulation CC the system automatically applies the hold and that no one at the bank can release the hold or review the deposit. My account has been open for over 10 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is the 2nd time I am submitting this complaint to BofA via CFPB. I have submitted a complaint to XXXX XXXX XXXX XXXX XXXX as well. They have responded to my complaint with the following questions : Company 's Response XXXX XXXX is still unable to locate the payment Please contact Bank of America and ask Bank of America for the IMA or SSN of the payment they sent to XXXX XXXX. BofA Account # XXXX Transfer to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX client of XXXX XXXX Account # : XXXX. Routing # : XXXX Transfer from : Bank of America account of XXXX XXXX Account # : XXXX Tracing number : XXXX. Detail are Response to Complaint ID XXXX Submitted XX/XX/XXXX XXXX XXXX XXXX XXXX response XX/XX/XXXX Can you please provide : Exact dollar amount : {$4100.00} Reference numbers : Bank of NY has a assigned no reference # to this case Transfer to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX. Routing # : XXXX Transfer from : Bank of America account of XXXX XXXX Account # : XXXX Tracing number : XXXX. Trace initiated by Bank of America XX/XX/XXXX Description of complaint below : I initiated an on-line transfer of {$4100.00} from my Bank of America account to XXXX XXXX XXXX XXXX XXXX The full sum of the transfer was to be deposited into their client, XXXX XXXX account. The transfer was initiated XX/XX/XXXX. XXXX XXXX client, who was the intended final recipient of the transfer, manages vacation property and they reported to me that the funds were not received. To this day the property management company has not received the funds. Bank of America put a trace on the funds and XXXX XXXX XXXX XXXX responded they were unable to locate the funds. Bank of America dropped the claim. I personally called XXXX XXXX XXXX XXXX and spoke with the transfer department regarding the transfer that was to be deposited into their clients account. The transfer department confirmed the XXXX XXXX account number used was correct and that {$4100.00} had been deposited into the XXXX XXXX account on XX/XX/XXXX. I was told the money was a bank to bank transfer and therefore the funds can not be returned to me directly. I spoke with the manager of the transfer department and he confirmed record of deposit to the proper account and informed me Bank of American would need to submit a Letter of Indemnity to move the case forward. Bank of America escalated the case to their fraud department and I was informed by Bank of America that the case was once again declined due to XXXX XXXX XXXX XXXX not responded to their request to investigate. I have been advised by a financial attorney that I am entitled to a confirmation of deposit of the transferred funds from Bank for New York be sent to my Bank of America Branch Manager. I called XXXX XXXX XXXX XXXX again on XX/XX/XXXX and spoke with the manger of the transfer department, XXXX, a second time requesting a confirmation of deposit be sent to the BofA branch manager where I have my account. XXXX laughed at me and statXXXX laughed at me and stated he found this request highly unusual and that I have no right to any such documentation. I gave him the email of my BofA branch manager and requested he send documentation of transfer of funds. My branch manger has not received this confirmation as of this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX I went online and paid {$6100.00} to pay my vehicle loan off with Bank of America. I clicked on the account which was the only account listed. I clicked pay my bill and paid {$6100.00}. On XX/XX/XXXX I logged back in and now there were two accounts listed. One was a credit card that was closed in XXXX which now had {$6100.00} on it. I spent hours on the phone with Bank of America on XX/XX/XXXX trying to get this fixed. I was initially told in the morning that they would expedite a refund and the money would be back in my account by XX/XX/XXXX at the latest. The same rep called me back on XX/XX/XXXX in the afternoon to tell me that he spoke with a team lead who was going to walk him through moving the money to the auto loan. Again I was told that this would be complete at the latest on XX/XX/XXXX. I asked to speak with his manager to confirm everything was good, and this rep hung up on me instead of transferring me. On XX/XX/XXXX there was no change on the account. I spent another hour of my time on the phone with Bank of America where I was assured by the first rep he could fix this. He then " placed me on hold '' but really cold transferred me to another rep. I had to repeat my story AGAIN to this rep who was so unnecessarily rude. She told me that it would be two billing cycles before I got my money back. I told her this is unacceptable as I have paid my account in full and now this will mean that I will be charged late fees and be reported to the credit bureau as a late payment. She said she could expedite it to 10 business days. Again this is unacceptable because I will be out of my grace period to make the payment again. I asked to speak with her supervisor who was RUDE. She basically told me that They will try to expedite to 4 business days but could not nail down the date of the 4 business days. I asked her about the late fees and possibility of reporting to the credit bureau. She said I could make ANOTHER {$300.00} payment so the account is not considering late. So now my {$6100.00} is in limbo for who knows how long while Bank of America collects interest on the money they basically stole from me and I have to come up with at least another {$300.00} so I am not considered late for THEIR mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63376
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe that there is identity theft because my credit report shows two closed off accounts that are not mine and I do not recognize them. The first account is from XXXX XXXX and there is a written off charge, past due balance of {$23000.00}. The account was opened in XX/XX/XXXX. " The credit line was suspended XX/XX/XXXX- XX/XX/XXXX ''. I have never opened an account with XXXX XXXX The next unknown account is with Bank of America. The written off charge is {$8200.00}. On XX/XX/XXXX, I called XXXX, filed a dispute, and placed a fraud alert on my account. On XX/XX/XXXX, I called bank of America and filed for identity theft and fraud alert. I also called XXXX, again, because the dispute results claimed that both of the unknown accounts were mine. However, they are not. So I filed a dispute again for fraud alert and identify theft. They said that I will receive the results in 30 days or less.
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: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: BofA has continuously charged me fees for random amounts despite my having paid off the statement balances, with no explanation. I want them to contact me directly with an explanation of their fees. Visa Signature Account # XXXX 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: 10024
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Please refer to prior complain which has the following resolution. Please expedite this complaint. XXXX. Documents available. Company 's Response We appreciate you taking the time to tell us about our service. Your feedback helps us serve you better. We aim to give exceptional service and are sorry if we did not meet this goal. We received your altered check claim for {$4200.00}. We received a completed affidavit, but the required documentation was not completed correctly and the claim was closed. We received the completed required documentation from you on XX/XX/2023, and we reopened the claim. On XX/XX/XXXX, we sent the altered check claim to the bank of first deposit ( BOFD ), Bank of America. This type of claim can take 90 to 120 business days from date of first contact or more as we are dependent on the BOFD to do their research and give us the funds to reimburse the account or documents stating that they did negotiate the check properly. At this time, all major banks are delayed in responding to these cases so it is possible it may take longer than anticipated to receive a response on this matter. Your claim is still under review and we will contact you when the claim decision has been finalized. We respectfully decline your request for a refund. The funds are only returned if we recover them from the BOFD. You also have the option to resolve this matter outside of XXXX. We apologize for the inconvenience this matter has caused you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This financial institution unclearly and inconspicuous disclosed non public personal information to a nonaffiliated third party without my consent this is an defamation of my character this is a violation of my consumer rights under 15USC 6802. On XX/XX/2020 Bank of America reported to XXXX XXXX XXXX. my banking history under 15USC 1681a my consumer report in which XXXX XXXX XXXX holds, should not include information solely as to transactions or experiences between me and person making the report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46544
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Hello! I had a shared personal account with my husband at Bank of America for 7 years. My husband also had his own business account at Bank of America, not shared. He had his business account closed in the beginning of XX/XX/2023 as a result of a bad deposit. Also, Bank of America closed all accounts in his name, which was a personal shared account with me. I tried to open a personal account at Bank of America again, and they confirmed that they dont have any fraud information or activity on me personally, but since I was at this shared account with my husband they refused to open an account for me and work with me again. I also have issues opening any deposit accounts now at any bank since I believe this situation with Bank of America effected my records
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: 2023-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was contacted on my telephone by Bank of America, with their actual phone number, showing up on my caller ID. I was asked if I opened a new checking account, to which I replied that I did not. All of my accounts are with Bank of America so when they called me from their phone number, I didnt think anything of it. They told me that somebody was trying to XXXX payments through my new account and then I needed to send the money in my accounts to myself so that no money will be fraudulently taken. They gave me an email address to send it to you and told me within 24 hours the money will be back in my account, when I woke up in the morning and I realized I was scammed I was beyond livid. This happened on XX/XX/XXXX in the amount of {$1400.00}, {$1200.00}, {$110.00} and {$87.00}. Bank of America has been extremely unhelpful even though Ive been a customer for over 20 years, and I know other people who have been through the same thing and they were turned their money. I work in the financial industry and I know there are regulations that are in place to protect me and I want all of my money refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A