Date Received: 2023-04-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have disputed a charge Claim XXXX it has been over 10 business days and the company is refusing to issue a temporary credit dispute me disputing the charge for a return I never got refunded for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
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: 2023-04-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023, an email was received through my wife 's email address that a credit card was approved in my name. I called BOA within an hour to report that I had not applied for a card. They put a stop on it and indicated the account was closed and could not be used. I followed up with their fraud department to open a case. They confirmed there were no charges and the account was not usable. I placed an alert on my credit reports. I have also requested a copy of the application that was submitted in my name for further investigation. Case # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85388
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a business checking account with Bank of America in which there is very little activity. The account was opened in XX/XX/XXXX. Based on the structure of the account ( minimum balance + business saving account ), I was never charged any sort of fee to have the account in place. That being said, in XX/XX/XXXX Bank of America started charging me a {$16.00} fee in my account due to not meeting the minimum balance in the account ( XXXX average balance ). I was NEVER notified of this change, when I discussed with Bank of America representatives ( late XXXX, XXXX ), they indicated that the minimum deposit was ALWAYS XXXX ( it was not, as I wasn't charged a fee for ~3+ years ). As I do not actively use the account, I wasn't aware I was being charged a fee until earlier this year. At that point in time I contacted Bank of America and they refunded me {$48.00} in fees ( 3 months, {$16.00} each month ). Since XX/XX/XXXX I have been charged a total of {$400.00} in fees from the Bank, despite NEVER being notified of the change. It feels absolutely predatory in nature. I have more than ample funds in other accounts with the institution where I could shift funds around to avoid the fees, but, again, I was never made aware. I have been a customer with Bank of America for 20+ years and was an employee with the company for close to 10. This is simply not how you conduct business. If I can not get this corrected I will move my funds to another institution. I currently am employed by a competitor yet I have kept my funds with BAC. When I contacted BAC, I couldn't believe a representative was unable to tell me the specifics of when I started getting charged fees ( they claimed to have minimal history ) nor when the fee structure changed ( they claimed it never changed ). I had to spend time doing my own due diligence by sorting through years of monthly statements to ascertain the exact time in which the fees started and the totality of the fees charged. I look forward to bringing this issue to resolution and fully expect to be refunded the fees charged, in full, due to the lack of correspondence by Bank of America to make me aware that the minimum deposit balance had changed. I hope to hear from you soon regarding this matter. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I've tried to resolve this issue with BANK of America NA concerning a conventional mortgage originated by XXXX XXXX XXXX that said loan was pooled into a asset backed security called XXXX XXXX XXXX Certificates XXXX XXXX. This was not disclosed by XXXX or Bank of America NA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 13760
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Good Morning This morning, at approximately XXXXXXXX XXXX XXXX, I spoke on the telephone with XXXX XXXX XXXX XXXX XXXX Bank of America XXXX Escalation Department and I was informed that on or about XX/XX/2020, XXXX, someone from the Bank of America , Escalation Department XXXX named XXXX made a false report and reported me to the XXXX XXXX division. However, I am also told that I will remain on the XXXX XXXX list. It is clear that Bank of America has no legal intentions of investigating this matter, to insure that proper measures and matters were handled professionally. I am asking to speak with XXXX XXXX XXXX XXXX directly in order to assure that these orders are coming directly from the CEO of Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Two fraudulent bank accounts were opened in my name by Bank of America ( claims were filed for both ), despite a freeze on my SSN with the credit bureaus and a security alert placed on my identity with XXXX. They did not take the proper steps to verify my identity prior to opening the fraudulent accounts. When asked to speak with a supervisor to prevent this from happening AGAIN, they informed me it could be up to two business days. This is unacceptable given the sensitivity of the matter. The first account was opened on XX/XX/23. I called the customer service department and was told the account would be closed. I continued to receive emails regarding this account and called again on XX/XX/23. The first customer service employee I spoke to told me there were no open accounts and I had no reason to speak to a supervisor or their fraud department. I demanded to be escalated and their supervisor finally transferred me to the fraud department. The fraud department FINALLY confirmed for me that the account was not closed, as I was initially told, and that it was still open/active. I asked them to file an internal complain regarding both customer service representatives. A second account was opened on XX/XX/23. I called the customer service department who proceeded to close the account. I asked how their verification procedures could possibly let this happen again considering all of the security freezes and alerts attached to my information. Their response was that the fraudster created a new profile ( which clearly was still using my SSN and email, as the employee confirmed for me ) and SOMEHOW that allowed the account to be opened. I said that was unacceptable given the sensitive information they were using that should have been flagged in the system and I wanted to speak to a supervisor. They said the supervisor would tell me the same thing and I had to wait. After waiting at least 20 minutes, they said they would have to call me back. I asked how long that would take and they said up to two business days. I told them I would be filing a complaint. I have both BoA claim numbers and email evidence which can be provided upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I am unable to make payments online and keep receiving late payments for it. I first noticed in XXXX of this year that my automatic payments hadn't been going through, but I hadn't received any kind of notice but had incurred late fees. When I opened the app to try and make a payment the app wouldn't allow me to and said I must call : XXXX XXXX XXXX I called the number but the person on the phone said everything looked normal and fine. Had me try opening it on a browser on my computer and had me try some password reset tests. Nothing worked. She finally suggested I go in to a branch to fix it. I didn't have time, so he following month I paid by phone, but after that, the phone option wouldn't work any longer so I went in to a branch. Which much tedium they pulled money out of my checking account and I paid but they couldn't help me fix it without an appointment. So I made an appointment for a couple days later. I went in for the appointment and the banker tried a bunch of things but was baffled and couldn't figure it out. All that I want is the same customer experience as everyone else. I don't want to have to take a longer lunch every month to lose money from my hourly job to go in and pay. I just want to setup automatic payments and have them stop charging late fees and making it so difficult to make payments.
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: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX, Received a text notification about a declined transaction assuming it was for my " debit card '' as i am not from area and its common to receive these notifications, upon further investigation about 1 minute after i called bank to inform them i was not using my " credit card '' anywhere and informed them i did not even have possession of the card.
They have opened a claim immediately and informed me card would be closed and new card will be issued. I have to wait till transaction posted to receive credit back to my account while they conduct there investigation.
XX/XX/2023, received notification card was still being used, a transaction was successfully charged on this date using the old card they claimed to have cancelled.
XX/XX/XXXX XXXX & XXXX, Bank send me letter saying I'm responsible for charges due to merchant providing a receipt with signature. " Fraud Charges placed back on to my credit card incurring fees and interest '', i requested copy of that information and they have not provided me with it so i can provide proof my signature was not on any documentation. Informed them my passport and drivers license both have my real signature and i will provide it to prove my innocence regarding the claim.
XX/XX/2023, @ XXXX i call and ask for supervisor and ask that this be elevated for further clarifications as something is not right and my claim isn't being handled properly. They inform me claim will be reopened.
XXXX XXXX @ XXXX called in to verify everything is clear and again information is not being made clear, they informed me both claims were closed and that they will reopen them to reinvestigate.
I also informed them that i was still getting notifications about transactions being declined at numerous gas stations aswell as XXXX even after the card was supposedly closed.
There is alot of mis information being passed around causing me financial burden and false information being provided is hindering the proper resolution of my claim. Its near impossible for a claim to be resolved in under 72 hours, all whilst the fraud is still taking place even after they claim card was deactivated on XX/XX/XXXX the very same time as original fraud transaction Claim # XXXX < First claim Claim # XXXX Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response State: FL Zip: 34744 Submitted Via: Web Date Sent: 2023-04-05 Company Response to Consumer: Closed with monetary relief Timely Response: Yes Consumer Disputed: N/A
Want more visibility for this complaint, upvote it. Less, downvote it. :)
Date Received: 2023-04-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went inside to make a deposit, was told by manager that no hold would be placed on my funds due to it being a cashiers check, got an alert saying a hold was placed with no reason as to why
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90043
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: An attempt to resolve a past due balance on a credit card account failed when Bank of America withdrawn an unauthorized amount of money from my checking account to bring the credit card account current.. An immediate charge-off followed without my knowledge. This occurred after payment arrangements was made with a bank representative. Bank of America decided to charge the account off and sale it to a collection agency because I did not accept a settlement offer that I did not greed too. I originally told them that I was a XXXX patient and became ill and was unable to work full time for a while which caused me to become delinquent. I have been with this bank for over thirty years however is in the process of switching banks to avoid any additional unauthorized withdrawals from my checking account.
Company Response:
State: TX
Zip: 77033
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A