Date Received: 2023-04-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I am on maternity leave and I am getting paid through a Bank of American EDD prepaid card every 14 days. On XX/XX/2023 someone stole {$990.00} out of this prepaid account. I was left with {$290.00}. They took the money from an atm in California at XXXX on XX/XX/2023. I tried to get assistance inside the Bank of America branch and no one could help me. The teller and personal banker said they have nothing to do with these government prepaid cards. I have spoken to the Bank of America EDD fraud department over the phone and have a claim started. I want to make sure I get my money back. I am not working right now and I have a newborn baby to take care of. I also want to make sure this terrible situation doesnt happen to any one else. I was told by XXXX the woman that helped me over the phone from the fraud department to not use the ATM located outside of the bank and always go inside and withdraw money with an actual teller. I never knew it could be dangerous to use a bank ATM. This situation has never happened to me. I never used this EDD card anywhere else other than making withdrawals at the ATM when I get paid. I have also reported this theft to the police and made a police report. I would like to get my money back as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problem with customer service
Subissue:
Consumer Complaint: Settlement agreement established with a lawyer debt service in the form of a payment plan. Documents sent as per their ( Bank of America 's ) instructions, through normal legal proceedings and accepted. Months later they are proceeding to harass me and my lawyer, and threatening a judgement, despite that the payment agreement was signed, accepted, and they are receiving the payments on time through the legal counsel. Now they are demanding that the original documents be sent to them immediately. They did not provide this in the initial instructions, they are not cooperating with me or my legal team. Original documents are not required in normal legal proceedings, especially those done now over the internet with things like docusign, etc. Why is this just now an issue months later? I requested a postage paid self addressed envelope from the lawyers Bank of America hired ( XXXX XXXX XXXXXXXX ), they responded " if you do not send it in then we will just seek a judgement ''. This would be an illegal action, and breach of contract/agreement signed, as they already accepted the copy and are receiving payments. I would like to resolve this and stop this harassment. This whole process has been going on for about 9 months, and it has been very unpleasant and I have felt harassed this whole time. I have a legal team handling my debt, and they have not been able to work with the other lawyers with Bank of America in a friendly manner. They acknowledged that I was in a debt plan, but refused to work with my laywers, forcing me into a agreement, that is not a settlement, with the only other option being a judgement, which was what the debt program was supposed to help avoid, as I am trying to fix this, but getting resistance, bullying, and harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29036
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone keeps opening Bank of America ( BofA ) checkings accounts using my name, SSN, email, and home address. On XX/XX/2023 -- I received an email confirmation from BofA about a new Advantage SafeBalance Banking Account being activated. I did not open this account. I called the BofA fraud line and using my name & SSN, the agent was able to locate and close the account. On XX/XX/2023 -- I received another email about a new Advantage SafeBalance Banking Account being activated, but this time addressed to a " XXXX XXXX '' instead of my name. On XX/XX/2023 -- I received mail with a debit card from BofA for yet another account ( based on the last 4 digits, not one I got an email for ) that I did not open, using my name and home address. BofA has not responded to or helped with the incidents on XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/XXXX I received in the mail an unsolicited credit card from Bank of America entitled the Allegiant World Mastercard. A few days before the card arrived, I received an email from Bank of America advising me that the credit card was on its way, see attached. I checked their website and sent an email to XXXX and asked for a copy of the application used to process the new card so that I could determine if this was a case of identity theft. I received notice of their receipt of my email request but they have done nothing and did not reply to my request for documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45459
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank of america, This is a continue with complaints XXXX : On XXXX. XXXX, I went to a branch of bank of america to check if the fraud claim has any update. They said they already send the money back to my account, but the account is still blocked, they ask me to opened a new account and transfered all the money from the previous account to the new one. With the help of a banker there, I opened a new account and transfered all the money from the previous account. Because the last fraud may be related to my phone number, so I changed to a new phone number, and the new account was profiled with the new phone number, and also new email. The banker also asked me what is my primery contact method. I said email, the new updated email. On XXXX, XXXX, XXXX, I received a email with the old email, said my alternate contact phone number has changed to the old one. Then, aonther email said XXXX is ready to use with the old phone number and my new account. Then I tried to reset the password and that moment and logged into the account to delete the reciptant, but the transection still happend. {$3000.00}, again. Then I called the bank and they said they can not identify me, I have to go to their branch. I can not believe that this happend twice in two weeks. I need the money back, and I need to know how did this happend. Also I need to know if there is any way to block XXXX transaction. It is very unsafe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/24 my mortgage company reported false derogatory information to all 3 credit bureaus. Within minutes, I filed disputes with the 3 credit agencies and filed a CFPB claim as well. Within 2 days of the false information hitting my credit report, Bank of America has lowered my total credit limits from XXXX XXXXXXXX to XXXX XXXXXXXX. After reaching out to Bofa with no help from anyone, I came here to request assistance. I have worked my entire life ensuring that I need to keep my credit file clean and in good standing. Bank of America has chosen to use this false report ( It has already been corrected on all 3 reports and I have a letter from XXXX with an official apology for the mistake ) I have no remedy or recourse in order to be made whole again. I worked years to establish and build my credit lines, banks should at least ensure the information they are acting on is valid! I am a consumer who has been taken advantage of, through out a system of inequality. This is gross negligence and is cause for me to reconsider who I bank with. Again, Bank of America does not care that the error was a mistake and has stated they do not care to see the document received on company letter head from XXXX issuing an apology for the incorrect reporting to my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92879
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I requested a Credit Report in XX/XX/XXXX and noticed there was a charge off/ account listed from Bank America , it was also reporting an address " XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX that I have no knowledge of nor association to. I have NEVER traveled to, lived or known anyone in MA. On XX/XX/XXXX, I called Bank of America to see why they were reporting this address and this debt. I spoke to the fraud department who advised they were unable to assist over the phone and i had to visit a branch and submit two IDs. I advised the lady XXXX XXXX XXXX XXXX XXXX XXXX and there were no Bank of America branches anywhere close by or located in my area. On XX/XX/XXXX, based on some videos I watched on XXXX advising of what a charge off is I wrote to them asking them to send me a 1099c as required by law when a debt is charged off. This was sent via usps Certified Mail with a Green Return receipt and Tracking Number : XXXX with a green return receipt, Tracking number : XXXX. I did not receive back the return receipt but the tracking shows where the letter was received by a person on XX/XX/XXXX. It has been past the mandated FCRA 30 day period and I have received no feedback from Bank of America. I made a report on the FTC and On XX/XX/XXXX, I also sent them a letter advising them of suspected identity theft on my account based on the balance which I am unaware of and the address it is reporting which i have no knowledge of or association with. This was sent via usps Green Return Receipt, Tracking # : XXXX. Return Receipt # : XXXX. This was delivered on XX/XX/XXXX. I have received no communication at all from Bank of America on either correspondence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-10
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XX/XX/2023, I same-day domestic wire transferred {$26000.00} from my Bank of America ( BofA ) Business Account ending in XXXX to XXXXXXXX XXXX XXXX ( XXXX ) for beneficiary/account holder of XXXX XXXX XXXX, XXXX ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) with account ending XXXX. According to BofA, XXXX accepted the wire on XX/XX/2023. However, the following week, my vendor XXXX still had not received funds into their account. When she called XXXX, they told her that they were awaiting additional information from BofA. I called BofA and they told me that they sent the additional information. Still, the funds sat unreleased for a couple of weeks more. On XX/XX/2023, funds had still not been released to the beneficiary and I initiated the wire recall to my bank of BofA. I was told that XXXX could take up to 24-48 hours to acknowledge the recall and from there, it would be unknown when my account at BofA would again see my money returned into my account. Seven business days later ( 168 hours ) on XX/XX/2023, I called BofA to inquire the status and they told me that XXXX has not yet acknowledged the recall and they do not have the ability to take funds back from them and can only continue to request funds be returned yet they just sat and did nothing. I have called multiple departments at BofA and I get nowhere. I asked the account holder at XXXX to help with a call to her bank. Here is what she wrote me today, XX/XX/2023, after calling them, XXXX XXXX told her the following : XXXX reached out to Bank of America for the added info needed for compliance. BofA responded to the first outreach, acknowledging receipt of it only. XXXX followed-up four separate times thereafter and never received the info. XXXX, therefore, closed the claim. The funds are not with XXXX and are with BofA. She pressed this issue several times and was told this repeatedly. XXXX suggested you to escalate this with BofA and assured you that is the only option for me to receive the funds back. This has become BEYOND frustrating and to me seems to be negligent and illegal. My complaint is that XXXX or BofA are illegally holding funds that do not belong to them, not informing their account holders of the status or informational needs to release funds and I believe that these banks are in violation of Federal Banking laws and consumer protection rights. I want either the funds to be returned to my BofA account immediately or released to the beneficiary that I originally intended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2023-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Bank of America does not release the lien on title and accuses the investor for not clearing the title. The federal regulations and guidelines specifically state that 3rd-party purchasers are entitled to the property free and clear of any liens on title. It has been more than 6 months since Bank of America has been attempting to resolve this matter. I believe they are not compliant and maybe delaying the process due to not complying with federal regulations on HECM 's. FHA 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: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-09
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I called a few years ago and wanted to stop paper mailing on all promo The customer service rep talked me how to do it online. Everything was fine but now im getting paper mail again. The customer service reps now are 100 % NOT helpful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-04-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A