Date Received: 2023-04-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: Bank of America Pre paid card payments unreceived and still unresolved. On XX/XX/XXXX months after unreceived payments and a resolution to a debit card missing payments claim that I was denied of {$800.00} I never received. I received communication instead by email that the card is no longer available for my funds. I was later contacted by the Bank of America claims department that they decided to reopening my missing payments claim and that they would contact me with the resolution. I never received that call. I never received a resolution. No answers from the Bank of America claim center were received or resolved over this period of time. I was finally able to get through to Bank of America claims agent XXXX, on a recorded line. It shows according to this agent I was granted a resolution in my favor that they never payed out. I never received that communication until XX/XX/XXXX when I called and I was finally connected to someone that wanted to help. A duplicate account was found by Sarahs manager who would not speak with me about it upon my request. This account shows a duplicate account that was created unbeknownst to me. The Consequential harm continues. The faulty fraud protection program hardship continues. I asked to speak to a supervisor and waited for XXXX hour XXXX mins and was hung up on after finally speaking to someone with no resolution. Im am now 507 days after receiving of my initial communication and counting. I was told in my initial email that Informed me to only contact the Bank of America claim center for this resolution to these funds. Today was my final attempt of contacting the Bank of America pre-paid card claim center Agents to receive the resolution. The Contact for Bank of America Call Center given to me for this task, from my initial Communication is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31204
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was charged {$49.00} for both XXXX and XXXX. My XXXX bill- there was no warning that I was under by XXXX XXXX. The representative that reached out, XXXX, is not helpful. Prefer to have someone else as XXXX is not good at finding a resolution and instead just stating I would have to XXXX up paying {$49.00} late fee despite not warning it was under by a mere XXXX XXXX. I also noted upon review on XXXX that there were some current customers who were indeed refunded the {$49.00} fee. How come some customers get refunded and others do not? It is an unfair practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
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: 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: Bank of America is denying consumers the right to dispute charges and also denied consumer the right to view and inspection merchant information and internal records used to make a decision to deny my claim in amount of {$420.00}. On or around XX/XX/2022, I tried to purchase a bathroom vanity from XXXX it was delivered damaged. The outer packages was severely damages and I did not accept said package into my home. My telephone records show I immediately on XX/XX/2022, reached to XXXX spent hours of the telephone and explained the problem and asked that they come pick up the damaged item that box was left unopen in front of the home. XXXX refused to pick up the item. I am a senior with XXXX could not lift said box and the package remained. According to XXXX there were no replacement for said item it was sold out. I requested the reasonable accommodation under XXXXXXXX XXXX XXXX XXXXXXXX act that XXXX not send out damages items and make it a requirement and person with XXXX responsibilities to get large item back to a store. After I could not get resolution with XXXX I contacted BOA and explained several times over a telephone item was sent damaged I refused to take receipt of said item. BOA waited any additional 60 days then claimed documentation stating what you were supposed to received and how it was different from what you received when I stated from the start of my claim/complaint with I did not take receipt. BOA is engaging in a deceptive business practice of keep the charges on the account to make monies off high balance and high interest fees. BOA is trying to force a consumer to take receipt and responsibility of damage items in order to make profit I am asking the CFPB to investing this deceptive business practice enact or enforce laws that required BOA any/all credit companies to turn over all records relating to disputes and grant consumers the right to dispute any in accurate information. I asking CFPB enact or enforce laws that companies or responsible to resolve complaints in a timely manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2022 XXXX XXXX alerted me to unusual activity with my credit card. My XXXX XXXX was hacked. My XXXX id was breached & my XXXX wallet & bank account app were compromised. I closed my XXXX credit account & applied for a new credit card. The initial card & account were closed on XX/XX/2022. There was a balance on that account & in XXXX of XXXX i paid the balance in full. That account no longer exists. I also lost XXXX that was on my XXXX account. XXXX XXXX continues to send me bills each month claiming that i owe them XXXX. Every month they are reporting me to the 3 credit bureaus as delinquent on an account that doesn't exist any longer. I want my XXXX back & want my name cleared on my credit reports. I have called XXXX XXXX at least 10 times to rectify this & nothing has been done. My credit score before my identity was stolen was XXXX & now it's XXXX because they continuously report me delinquent. I live in XXXX. Pa & all of the fraudulent activity was done in California.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19134
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On about XX/XX/XXXX I attempted a purchase however Bank of America had locked my card due to suspicious activity - a debit of approximately {$20.00}. When I called, I was told I would receive a replacement card. I activated the new card on XX/XX/XXXX but was unable to add the card to the Wallet on my XXXX. After nearly 2 hours on the phone with BofA ( during which I was asked to try various steps to add the card including removing all other cards from my XXXX Wallet ), I was told I was prevented from adding my card due to suspicious activity - the ~ {$20.00} debit the originated in Florida. The " manager '' informed me that it could take anywhere from a few days up to 6 to 9 months to be able to add the card to my phone or watch. The more I think about this situation, the more frustrated I get. I don't think I should be prevented from having easy access to my funds because of a {$20.00} suspicious transaction. Bank of America is treating me like I am criminal not like a XXXX year-old who has had a banking relationship with B of A for decades and who has maintained relatively high balances with the bank. Hopefully you can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Went to a Bank of American ATM on XXXX XXXX around XXXXXXXX XXXX to deposit {$300.00} in cash. Upon entering, I receive a notification of an error from the ATM machine that it did not accept the {$100.00} bills I inserted. After waiting 5 minutes, the transaction went through but only added {$200.00} to my account. I counted and deposited {$300.00} for certain and the ATM machine had a mechanical failure. I have already called and tried to dispute this with Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92679
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 at XXXX XXXX a woman went into A Bank of America branch @ Address : XXXX XXXX XXXX, XXXX, TX XXXX and withdrew XXXX from my husband and I joint account. The bank stated that she said that she was his daughter, but no one notified me and my name is on the account as joint owner. The bank teller gave her enough information regarding the account that this woman was able to get my husbands username and change the password to gain online access to the account information. My information was also compromised and I am now receiving alerts on my credit report that my information has been compromised. I feel that the bank was negligent because my husband had a XXXX XXXX XXXX and is XXXX. He can not type on a computer, so someone in the personal care home where he resides, or some one else now has access to my personal information as well as his. I believe this was possible due to negligence of the Bank of America employee 's negligence in handling the situation. I am filing this complaint because in a week my Credit Score has plummeted. I am very upset and frustrated by the entire incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77073
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: Closing an account
Subissue: Can't close your account
Consumer Complaint: Opened XX/XX/2022 I opened a BoA account " Safe Balance Banking Account '' from the app after someone opened up a BoA account using my husbands social security number. At the time, my husband couldn't get through to talk to an agent b/c you had to have an active account and know the last 4 digits of that or the last four of the debit card. He had no control of the account, so of course, he didn't have that. I opened up an account in an attempt to contact BoA and speak to a human. There was zero checks to see if I was who I said I was when I opened the account. They verify ZERO. The hacker that opened the account didn't even use a real mailing address. Ultimately, we were able to get my husbands fake account closed. I didn't delete my account b/c just in case there were further issues that we would need to contact BoA for. It's not obvious that they charge you a fee. So, fast forward. I now have a monthly fee. The rep told me they would waive and close and that has not happened. I have been forwarded to a rep for resolution. They have ignored multiple emails and voicemails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63017
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: 2023-04-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: This is a follow up complaint to one filed on XXXX XXXX. I have consulted legal counsel to bring resolution to this matter, as I am exhaustind dealing with Bank of America I have been the victim of identity theft and have had two fraudulent credit cards opened in my name. I received another credit card in the mail with a credit line on {$27000.00} two days ago. This is all despite the fact my credit is frozen with all three credit bureaus, and I have no credit inquiries from Bank of America. I called the BoA fraud line on XX/XX/2023, to report that I had received notification via email that I had been approved for a BoA credit card. I was also informed that a credit card application was submitted on my behalf on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I was given a Complaint Reference ID XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I went to close all of my accounts with bank of America on XX/XX/XXXX. I paid my entire credit card balance, and it was at a XXXX balance when I closed it. I was in person at a branch, but the credit card portion was done over the phone in the office of the branch. After closing my card and all of my bank of america accounts, I moved to a new bank. I received no communications from Bank of America and was under the impression my business with them had been concluded. In XXXX of XXXX I received a letter that my credit card was in delinquency, over a {$4.00} balance that was not paid, and an additional {$7.00} in late fees. Confused, I went into my local branch. At the time I was unable to be given an answer as to why the charge was there, how it was closed with a balance, and why I had received 0 communication about the card until the delinquency letter. I was under the impression I was receiving good customer service when the associate at my local branch told me they would waive the {$7.00} in fees, and had me pay the {$4.00}. I had had this card for over 5 years and never missed a payment, so it was clear to the associates in the branch that the {$4.00} was some sort of error. At the time my primary concern was my credit score not being affected by this 4 months of " late payment '' I paid the {$4.00}, and then was again under the impression that I had concluded my business with Bank of America. When I checked my credit score at the beginning of XXXX, I found that it had dropped nearly XXXX points, as the account was still regarded as delinquent, as the {$7.00} had not been waved. I have since paid the {$7.00}, as Bank of America refused to do anything to an account that was in collections. To reiterate, I found out the account was in collections due to my own diligence, I had not received communications from them aside from the 1 delinquency letter on XXXX XXXX, XXXX. I believe it is relevant that they did have my contact information for this letter, but failed to provide any statements or other communication about this account. I then went through a credit bureau adjustment case with bank of America, only to have them conclude there were 0 errors on their end. The department for this is not accessible by customers, and I had to spend hours getting transferred around by BOA to file this report. I had to call and request the result be resent, as the initial letter was not sent, and they could not tell me the findings of the case over the phone. I spent many more hours trying to dispute this information, as it was not accurate. At this point nothing has been resolved, and I have no faith that bank of america is capable of assisting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95403
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A