Date Received: 2024-01-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of AmericaXXXX credit card. I have had for 20+ years. Always use autopay for full amount- to pay the balance. I had a {$2100.00} balance on XX/XX/XXXX the autopay payed {$86.00}. I had a {$4000.00} balance on XX/XX/XXXX the autopay payed nothing. I did not turn off autopay. Because I set up autopay years ago online, BofA has no record of it, no record of turning it off, nothing. I was charged a {$25.00} late fee because of missed XXXX payment. Charged interest on balance of course. My concern : how BofA turned off autopay. Even if I did, which I didn't, they should have sent me a confirmation email. Are they doing this widely?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 945XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: Greetings from XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) EIN & Tax ID : XXXX UBI & Entity ID : XXXX XXXX XXXX XXXX : XXXX FORMATION STATE : Washington State ENTITY TYPE : XXXX FORMATION DATE : XXXX XXXX, XXXX ENTITY ID : XXXX XXXX XXXX Contact : XXXX Email : XXXX Address : XXXX XXXX XXXX XXXX XXXX Wa XXXX I, XXXX XXXX ( SSN : XXXX ) firmly clarify that i truly a victim of fraudulent and identity theft while I never used to give any authorization on my behalf to anyone else making any purchase, using my personal data, apply all kinds of loan application. I strongly denied to those fraudulent transactions as XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, Bank of America, XXXX XXXX having right to charge or to use my personal informations, my phone numbers, email addresses, my SSN, my EIN, banking accounts, checking, debit and credit cards from all banks especially Bank Of America, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX together all kinds of illegal transactions I strongly deny to those all fraudulent transactions charged from XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX on my checking account, debit and credit card of Bank Of America and XXXX XXXX including all bank accounts at all. I even never used to submit any loan application to auto loan, home loan or even any mobile service company such as XXXX or XXXX XXXX XXXX. I Do Request to Bank Of America and XXXX XXXX to provide your assistance refund me back full amount of my hard-earned money lost in total {$89000.00} suffered from these fraudulent transactions on my checking account, debit and credit card since early XXXX till today XX/XX/XXXX. Request for assistance to all 3 credit bureau and debt departments to clear off those all fraudulent informations and debts under my name while I confirmed strongly never involving with. I XXXX XXXX XXXX XXXX XXXX XXXX since BOA, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and those related companies almost warned me to push all debts into collection and where is my justice? Who can help me from responsible for what I didnt do? Why I turned to suffer hurtfully like this? And right now, after my hard trying to inform all banks and all related companies turned to pressure me badly and hurtfully by blocked all my accounts and even small money they took all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98204
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I am writing to complain about a Bank of America Business credit card account. I opened my account in XXXX I have maintained this account in good standing until this incident. The last payment that i have made on this account as of this writing was on or around XX/XX/XXXXXXXX XXXX XXXX Towards the end of XXXX I received in the mail a letter, allegedly from Bank of America Fraud Department. The letter was dated XX/XX/XXXXXXXX XXXX and had my first and last names spelled incorrectly. My misspelled name put me on alert for potential Phishing. Upon further review of the letter, the letterhead on the documentation included had a pixelated Bank of America logo. The letter had almost my entire account number ( missing last 4 digits ) and a case number. It stated that Additional information is needed to complete our investigation of possible fraudulent usage on the account listed above. I was to fill out the enclosed form and send it to a XXXX XXXX XXXX This form is two pages and requested personal information like name, address, birthdate, SSN, government issued identification, phone number, etc. I did not report any fraud, and this was the first contact that I received about potential fraud. The letter did not indicate any information on the fraud complaint, who complained, or the issue indicated as fraud. Since this looked like phishing, I ignored the letter. A few days later, I attempted to access my account and, while I could login successfully, the system said there were no accounts to be displayed. I called the Customer Service number on my bill on. Upon authentication via the phone, i was directed to the Fraud Department where I was connected to XXXX. I explained receiving the alleged letter, with my misspelled name, from the Fraud Department and not being able to access my account. He was not interested in the Claim number listed and agreed that the letter seemed to be a scam. After some digging, he then told me that my account was closed. At some point in the call, he asked if I or the other borrower on the account couldve called. To that I responded, what other borrower? There should be no one else on the account. He mentioned someone named XXXX. He gave a last name, but I do not recall it. I told him that I do not know who that person is. I asked, when was XXXX added to my account and why was I not notified of an additional person being added. XXXX told me that he was having trouble determining when XXXX was added to the account. I asked when the account was closed, XXXX responded XX/XX/XXXX. I thought that was suspicious since the fraud letter I received was dated XX/XX/XXXX. XXXX was still not interested in the letter or the Claim number. He did confirm that XXXX was never issued a credit card and confirmed no fraudulent transactions on my account. As he could not give me any additional information on that call, he stated that I would get a call back within 24hrs from him or 2 other people which he named. He was going to see if my account could be reopened. I received a call back on XX/XX/XXXX from XXXX where he told me that my account would be reopened within a few days. I had to prompt him for additional information on XXXX and how he was added to my account. There was still no answer on when XXXX was added to my account or why I received XXXX notifications. XXXX did say that XXXX was added to the account in an odd way, stating that he was added as a Borrower instead of a Co-Borrower. He also indicated that it was XXXX who initiated the Fraud case. Again, no explanation on why I was not notified of the fraud case. When I asked again about the letter I received, XXXX stated that the letter was fraudulent and I could ignore it. I asked if I would be reissued a new credit card, XXXX was unsure, but said probably. I waited a few days, but still could not access my account. I waited longer ( over a week, probably close to two ) and eventually I was able to access the details of my account online, but it looked odd. It was very different from what I was used to seeing online. There were no fraudulent transactions and things seemed fine, however, my current credit card was still declining transactions and I had not been sent a new card. I waited longer, still no card. Later, I received another letter in the mail, dated XX/XX/XXXX. This letter also had my name misspelled the same way, with almost my entire account number ( missing last 4 digits ) and the same Case number as the previous letter. This letter stated We completed our investigation of the fraud claim on the above account. It stated that the fraud claim was denied due to The card and the statements were mailed to your current address. You will be responsible for payment of the account listed above as stated in your Account Agreement. At this time, we consider the claim closed. If the first letter was fraudulent like XXXX said, why did I get a second letter? My next plan of action was to walk into a branch to talk to someone directly. On XX/XX/XXXX, I walked into the Bank of America branch, XXXX XXXX XXXX XXXX, XXXX, FL XXXX, where I was able to speak with someone who handled business accounts. As this is regarding a credit card, she should not see much, but she could see that my account was STILL CLOSED and that XXXX was STILL ON THE ACCOUNT. All she could do was call the Fraud Department for me and spoke on my behalf. I was eventually left to speak with the lady, I cant remember her name, and that lady confirmed that the Case number on the letters i received was indeed the only case they had on my account. Why my name was misspelled, no one could answer. A lot was said on the phone, but basically, she stated that the account was closed because a fraud claim was made, and it would not be re-opened. My only recourse, at this point, would be to re-apply for a brand new account. That made absolutely no sense to me since I did not open the fraud claim in the first place. The lady on the line said that I should have responded to the letter, but I had no way of trusting that. When I called on XX/XX/XXXX, no new claim was created. There was no response as to why XXXX was still listed on the account, and she could not give me any answers as to when he was added, how he was added, and why I NEVER received any correspondence about XXXX being added or about the account being closed. She said that I was obviously hacked. I wasnt, but even if I was, Bank of America should have some record of how and when XXXX was added to my account. The lady had no response to that. Eventually she, quiet rudely, hung up on me. The lady in the branch office called customer service again. I was informed that they sent a message to the supervisor of the lady who hung up on me. When we got someone on the call again, the second lady confirmed the same, that the account could not be re-opened and that I would have to contact a different department to re-apply. At this juncture, I am no longer interested in having an account with Bank of America, so I will not be re-applying for anything. A supervisor was requested, and all this second lady could do was put in a request and I would have to wait 24-48 hours to receive a call back. There was nothing left to do at the branch, so I thanked the people there for trying to help me and I left. I did receive a call from a supervisor within an hour of me leaving the branch. The supervisor had no additional information to give me, except to say that he was submitting an internal complaint on my behalf. I asked him who filed the fraud complaint, his response was someone on the account. If it wasn't me, it must have been XXXX and XXXX should have never been on the account in the first place. I asked about another claim to have XXXX removed from the account and he declined to open that. At this point, I am left with a pointless account that I can not use. The only thing I can do is pay the bill, but I dont want my financial information mixed up with an account that has someone elses name on it. My concern now is my personal information at this institution. No one can give me an answer as to when, or how XXXX was added to my account. I am supposed to continue to pay them a balance on an account where his name is still listed. They didnt even move my account to a new number or anything. I can not see, with my access, that XXXX is still listed, but the lady at the branch could see that. Bank of America is not willing to correct this wrong on their end and it has caused me great inconvenience over this time. What a horrible customer service experience and an even more horrifying financial experience as someone could be simply added to my account, in secret ( as no correspondence of this change was sent out ). The person is then able to have my account completely shut down with no form of recovery. The institution created a claim, on XXXX behalf, sent me letters with my name horrendously spelled incorrectly, with no indication of why the claim was opened, and refuses to open any claims on my behalf as the actual account holder. All this on an account that I have held in good standing for 16+ years. Something has to be done about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Unable to attain information regarding two of the three accounts which is listed on my Bank statements one of which has been confirmed by the Social Security Administration the Other two listed as XXXX XXXX XXXX with different Account Numbers which I have reason to believe may have something to to with Former Employment one which always end in XXXX and the other XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48340
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
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: In XXXX I lost my phone number briefly. Someone was able to take it over online by requesting it be merged with theirs online. XXXX XXXX was able to get it back fro me in about a week. Around this time a fraudulent charge ( XXXX XXXX ) was made to my Bank of America credit card to a XXXX XXXX account. I do not have a checking or savings account with XXXX XXXX. ( I do have a credit card ). I have confirmed with two representatives at XXXX XXXX that I do not have an account and they have requested that a custom letter be sent me a letter to this effect on XX/XX/2023. Speaking to the representative today, this is not standard procedure and they seem reluctant to compose a letter. Bank of America claims that their investigation finds an account " associated with my name '' ending in XXXX. I have confirmed with XXXX XXXX today that I do not. I have received 5 letters from Bank of America rejecting my claim even after proof ( call transcript ) that my phone number was compromised, I don't know what to do at this point. I have spent hours fighting this to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I have been a Bank of America customer, with both a checking account and credit card, for over 20 years. Last month ( XXXX XX/XX/2023 ), BofA closed my credit card with no warning for not using it recently. This is despite them having a number of ways to contact me : email, phone, in-app notification, etc. The card 's closure had a severe negative impact on my credit score because it was by far my longest tenured card. I never would have allowed it to be closed and would have made use of it immediately if I had been properly notified that it was at risk of closure for lack of use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44720
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank Of America Compliant XXXX XXXX Subject : Compliant Debit on my account of unknown charges. On XX/XX/XXXX XXXX XXXX I received a debit on my account in the amount of {$380.00} and {$120.00}. These transactions were entered by a person unknown to me. I called the customer service department to investigate the source and the reason for the transaction. This proved to be futile and a complete waste of time. I then went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And spoke to XXXX XXXX, relationship manager. This person viewed my account to locate the source of the transaction and identify who was responsible. After much investigation, this too was pointless and was told that I would have to contact the customer service department for a response. At this point, I am completely disgusted by your poor service and the abuse of my account and money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I submitted my for unauthorized funds taken from my account back in XXXX somewhere near XX/XX/23 I did not get a provisional credit nor my issue resolved I received two letters of denial?? Stating I took the cash out or someone I know??? I did not take no money out of my account!!! I REQUESTED THE DOCUMENTS USED TO DETERMINE THE DECISION WHICH I HAVE NOT RECEIVED I WAS ALSO JUST TOLD I COULD HAVE FILED A POLICE REPORT WHICH EOULD HAVE HELPED THIS MATTER!! WHY WAS I NOT GIVEN THE INFORMATION THE FIRST TIME I CALLED!!!??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX my Bank of America Edd card was being used with out my knowledge nor consent I have sent in numbers of police reports they are still saying I had knowledge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90304
Submitted Via: Web
Date Sent: 2024-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On or about XX/XX/24 I tried explaining that I knew I was late but due to a XXXX XXXX XXXX XXXX XXXX, was experiencing difficulties as I was also in the midst of hurricane repairs so some things, like all my payments, including utilities, were unfortunately a mess as a result of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America has repeatedly has shown no understanding and recently I reported a gentleman for rude, hostile, behavior and refusal to try to understand and work with me because I wouldnt do it his way after explaining what stress does to a person with XXXX and having tried on numerous occasions to get some compassion, knowing Id been a customer for XXXX years and until recently have consistently paid my balance each month. This has happened, I believe, during the aftermath of Hurricane Ian. The lack of and refusal to do other than read their standard scripts in cases like mine, knowing I have XXXX. I would suggest BOA understand they are violating my rights as a person with a XXXX. I will pursue legal action if I must against their vicious retaliation to my finally filing a verbal complaint so here we are. I eagerly await their response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A