Date Received: 2023-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: While visiting Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) I was discriminated against and required to give multiple forms of verification while trying to withdraw my cash. I usually lock my bank card due to me not using the card often. This requires me to show a second form of identification when trying to access my account. Which I showed the teller. After I showed her 2 forms she requested that I give her my ID and Debit card. After I did this she continued to seemingly make assumptions that this account was not mine. She requested that I give her a bank card with my name on it that was from a different bank. I offered her 2 card which she ultimately decided not to take after requesting and displaying them to her. She may have not been expecting me to have these on hand due to her assumptions of me. After this she asked me if I knew the phone number on the account and had access to the phone number which I did. She asked me to verify my account through the phone number which I told her the phone number. This began to start getting very confusing. She initially requested two forms for verification but she seems to be adamant that I am not giving her valid information. I questioned why she needed to verify more information but I continued to do as she asked. Once I verified my number she ask me to send a link to my phone, this was another form of verification she stated. I questioned this and ultimately denied her request to send me a link to my online banking, however she sent it anyway thinking I wouldnt get a notification to the phone I had on hand. After she sends me a message to verify my online banking before I can confirm that I want to use this method when message and data rates may apply. Upon receiving the message I followed the steps to verify my account AGAIN via online banking. She still seemed to not want to accept that this account belonged to me. This became about the 5th form of verification. Once she can no longer ask for any more information to verify me she begins to place {$2000.00} in cash in the money counter. This seemed to be indicating that she was ready to release my funds to me. However, after the money goes through the money counter she request manager assistance. Im not sure why. The XXXX then comes over and request more identification from me. After he verified my identity he then starts to scroll through my account and make gestures as if there was a problem. I question him asking if there was a problem. He responded hes doing his own investigation. This began to cause a lot of embarrassment for me. I waited in line for over XXXX minutes with no one having to go through what I went through. The XXXX continued to look through my account for another 5-10 minutes and when I ask him again if there was any problems he responds, hes doing his job, if I dont like it I can leave. I was baffled by the hostility in his voice from me questioning him about my account. After he became agitated he decided to take my debit card and ID, he told me to sit down in the waiting area and wait for him to do his verification. I refused to sit due to him holding my ID and debit card which he responded asking me to leave if I wasnt going to sit. I then start to head towards a seat in order to avoid any more problems because all I want is to withdrawal my money. He takes my cards to a back table where he has a computer and begins scrolling through my account again. After another 5 minutes I become concerned with whats going on. I walk back up to the teller counter where he tells me that now I can no longer be served because I came back up to the counter. He threatened to call the police on me for no reason. He thought this would be a tactic that would fear me. I decided to sit and wait for police so I could make a report but he never called them. It was another discriminatory tactic he was using to try and scare me as if I was committing some sort of crime trying to withdraw my funds. Eventually I ended up leaving the bank and a few days later my account was placed on freeze and now I still have no access to my funds. This whole situation was a discriminatory situation from the beginning. I am a young male who may not look like someone who they serve everyday but I should be treated with the same respect as my counterparts. We all trust our money with the bank. However, when I am discriminated against while trying to retrieve my own funds it become very scary to live in my own skin. After this incident my account was placed on a temporary closure which is still ongoing. I have been unable to access my funds now for a week. This all stemmed from a teller and a manager who seemed to raise there own concerns about me after they didnt seem to approve of my appearance and request for withdraw of so much cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98003
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I HAVE BEEN A LOYAL CUSTOMER WITH BANK OF AMERICA SINCE I HAD A OPEN ACCOUNT THOUGH MY ACCOUNT DURING CERTAIN TIMES HAD BEEN HACKED STILL NO COMPLAINTS ALL OF SUDDEN I GETS A LETTER IN MAIL STATING MY ACCOUNT HAVE BEEN CLOSED WITHOUT ANY EXPLANATION SO I IMMEDIATELY NOTIFIED MY HR PAYROLL NOT TO SEND MY CHECK TO MY ACCOUNT BUT WAS TO LATE THEY INFORMED ME HR TO CONTACT BANK OF AMERICA WHICH I DID I WAS TOLD THE ACCOUNT WAS CLOSED AND IT WOULD DO NOTHING BUT REJECT MY DEPOSITS SO I INFORMED THE HR WHAT I HEARD SO HR AND MYSELF WAITED FOR XXXX MAYBE XXXX DAYS STILL NOTHING AFTERWARDS I LEARNED FROM HR MY DEPOSIT FUNDS WAS STILL IN THEACCOUNTI IMMEDIATELYCONTACTED BANKOFAMERICAA SECONDEMPLOYEETOLD ME MYACCOUNTWAS CLOSED BUT OPENON THEIR END STILL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72204
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I am writing to follow up on an issue that I have been trying to resolve with the dealership XXXX XXXX XXXX XXXXXXXX. I have attempted to reach out to the dealership directly, but unfortunately, I have not received any resolve since XX/XX/XXXX. As a result, I have been forced to reach out to my auto loan bank, Bank of America, to request a buyback of the vehicle. I informed BOA that they are not supposed to finance a car with a salvage title, which is the case for the car I purchased from the dealership. However, I have been calling BOA every day for the last XXXX days, and it seems that nobody can actually help me. They are requesting that I contact the dealership myself to have them unravel the deal, but since I have not received any response from BOA nor the dealership, I feel frustrated and hopeless. Therefore, I am turning to the Consumer Financial Protection Bureau ( CFPB ) for assistance in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11364
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
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: claim # XXXX I am unable to trust them with my financials, I have a {$20000.00} limit and they use deceptive practices to avoid handling a claim seriously, especially XXXX where fraud is being claimed. I went to XXXX store on XXXX and checked out on stand # XXXX ( not self checkout ) with an authorized amount of {$56.00}. I reviewed my online transactions on XXXX and noticed that there was a charge of {$370.00} at the same store, confirmed by the store # listed. I immediately contacted BofA and began the dispute of the fraudulent charge. On XXXX I filed an online police report with the city of XXXX ( location of store ), report # XXXX, I filed the police report because someone if possible should be held accountable for the theft/fraud, especially if it was XXXX employees or BofA. I definitely would not file a false police report and be subject to any legal repercussions. When I went to go update BofA of this report #, I saw that the claim was closed with absolutely no explanation nor a resolution. It was too late in the evening to contact that department so I had to wait until XXXX. All I received from BofA was an email saying the claim was closed. I tried calling BofA cc fraud department to get an explanation and was tossed around XXXX transfers that took XXXX minutes before getting to whom I thought was the supervisor I had been requesting, it was'nt, an hour later no resolution. The rep XXXX refused to give a managers name or contact info, no email available either. I asked for a XXXX to call me back to assure that this would be reviewed, I was advised that no guarantee of a phone call could be made. I am left with this almost {$400.00} bill on my XXXX for a purchase I did not authorize. I feel completely disrespected because the claim was closed down within XXXX with XXXX investigation, so do they think i filed a claim fraudulently? Even after the extensive phone call no resolution was reached, and now I have to pay that amount because my payment is due and I do not want a derogatory late payment mark of a balance going over cycle reported to my credit. claim # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This noon ( around XXXX PT ) on XX/XX/2023, I was trying to deposit a check with joint recipients ( my wife 's and my names ) to my Bank of America XXXX at XXXX XXXX XXXX. XXXX, XXXX, WA XXXX ) checking account since we do not have a joint account. And a staff whose name is XXXX XXXX refused our deposit request and the person told us it's an exception and told us it's risky to take our check. I feel I was discriminated as my request is pretty normal per this article from you : https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98052
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
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: Previous dispute I submitted on this website was declined by XXXX XXXX XXXX because Bank of America submitted an erroneous dollar amount. After leaving 7 voicemails in a 4 week period to talk to Bank of America representative, regarding her submitting erroneous dollar amount, I have never received a return call. This is regarding claim number XXXX. Representative continuously denies claim, but wont submit the proper amount!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93611
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Title : Identity Theft - Unknown Entity Applying for Credit Card with Bank of America On XX/XX/2023 I received two emails at XXXX and XXXX ( EST ). The first email was sent from what appeared to be Bank of America : XXXX, subject line read " Verify your email address '', the body of the email gave a link to confirm email address. The second email was also sent from what appeared to be Bank of America : XXXX, subject line read " Your Credit Card Application Has Been Received '', the body of the email read : " Your credit card application has been received, We wanted to let you know that we've received your application for the Free Spirit Travel More World Elite Mastercard. We're currently reviewing your information and you can check your application status online at any time. Your application reference number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' I then contacted Bank of America credit fraud services- which they cancelled the credit card application and filed a fraud report, which they told me it will remove from my credit report. I then contacted XXXX, to update them and create a fraud report for the inquire that was made in my name. I have also changed my email password immediately after identifying the concern.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
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: XXXX XXXX ( # XXXX ) charged amount of XXXX for Automobile/Vehicle Rentals on XX/XX/XXXX to my Bank of America Credit Card ( copies attached ). It came as a shock to me. On XX/XX/XXXX my car sustained damage due to hit and run ( likely a criminal act ). As required I contacted the Police ( XXXX XXXX ) and an examination was done at location XXXX XXXX XXXX XXXX lot of XXXX XXXX XXXX and report issued. I was enrolled in Automobile Insurance and was authorized to take my vehicle to their designated repair shop - Collision Express. In the mean time I was provided with a rental car by insurance company as required by law/policy. Apparently the Insurance didn't pay the Rental XXXX as required even though they were apparently billed. So XXXX charged my credit card to the amount. I disputed the charge with the credit card company in about XX/XX/XXXX. Though I provided myside of the story, the dispute went for more than 90 days despite me calling them several times and even promised expedited process. Few days ago I called and was told that they dismissed my dispute. The dispute is bona fide and should have been forwarded to XXXX for their response. Instead the credit card simply dismissed my dispute and I believe acted in bad faith and simply dismissed. I explained to them it is a dispute and not a service provided. The Insurance company did not pay them. That the insurance company along with their client the repair shop ( XXXX XXXX ) arranged their client XXXX 's car for rental. Not my choice. The insurance company did not pay XXXX as required. Clearly mal-practice of insurance company refusing and/or delaying the payment to XXXX, their business partner. After 90 days they dismissed my complaint without even seeking a response from XXXX who charged my credit card unusual amount. The reason provided by Bank of America business card is I believe fraudulent and/or wanted to pull this under the rug as the dispute resolution process would have unearthed/ exposed the unethical and illegal activities of XXXX and/or their partner XXXX XXXX. So they did not go through the normal / required dispute resolution process but I believe purposely delayed 90 days and/or beyond as they had no intention of going through the process. I also believe they engaged in un-ethical and/or illegal backdoor communications with XXXX for the purpose of dismissing my dispute. Simply fishy, unethical, fraudulent and likely breaches rules and regulations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bank of america acknowledged my first complaint emailed me once to call then ignored all my attempts to communicate with them about the issue. They denied my claim again without proof and without ever speaking to me after about a dozen attempts. I called and emailed without any repsonse and they ignored me. They continue to refuse my fraud claim fore baseless reasons
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93003
Submitted Via: Web
Date Sent: 2023-04-08
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-04-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment. to Bank of America card which was not successful. I called them and informed them that I have made alternative arrangements. I requested them to adjust the balance to reflect the new credit remaining. They said they would take care of it on XXXX XXXX2023. However I notice that they have processed the alternative payment but didn't adjust the credit available yet. Failed payment : Dear XXXX XXXX : Unfortunately, we were unable to process your scheduled payment for the following Pay To account, due to insufficient funds in your account : Recipient Amount Payment Date Reason Returned Pay From Account BK OF AMER VISA {$130.00} XXXX/XXXX/2023 INSUFFICIENT FUNDS XXXX Action Required : This payment is still due to the Pay To account. Please deposit adequate money in your Pay From account and reschedule this payment using Bill Pay or make the payment using an alternative method. Note : Because we attempted to make this payment to the Pay To account, multiple transaction entries may appear on your Pay To account statement. If you have any questions, please contact us at XXXX. Alternative payment : Collapse transaction XX/XX//2023 Collapse transaction XXXX XXXX PAYMENT Transaction date : XXXX/XXXX/2023 Card type : Visa Transaction type : Payments Reference number : XXXX Merchant Name : get more information about merchant name change XXXX XXXX PAYMENT Select to Edit the merchant name Transaction Category : get more information about transaction category Finance : Bank of America Credit Card Payment Select to Edit the transaction category Online Purchase : N Type Payment - {$100.00} {$13000.00} Expand transaction XXXX/XXXX/2023 Expand transaction XXXX XXXX PAYMENT Type Payment - {$30.00} {$13000.00} ======================== I notice that the current balance has not been updated yet..resulting in an extra credit of {$130.00}. Current balance : {$13000.00} Amount over total credit line : {$0.00} Next closing date:XXXX/2023 Last payment date:04/07/2023 Last payment : {$110.00} Pay This Card Go to My Statements View your statements Statement balance : More about statement balance layer {$13000.00} Payment due date : Late Payment Warning : layer XXXX/XXXX/2023 Total minimum payment due : Total Minimum Payment Warning : layer {$0.00}
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: 2023-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A