Date Received: 2023-04-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Fraudulent activity need it removed from my personal credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92647
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX I deposited a check into my Bank of America mobile checking account and was told that my funds would be available on XX/XX/2023 by XXXX. On XXXX XXXX my available balance reflected that the check had cleared and when I went to the bank to withdraw the funds, the teller told me that I could NOT withdraw my money. She couldnt give me any information and the only thing the bank manager could do was give me a phone number for the Bank of America fraud department. When I called the number that agent told me that there was a 48 hour freeze on my account and there was nothing that I could do about it or the bank could do about it. It has been over a week and not one person at Bank of America can give me a reason or an explanation as to why my account is frozen and the bank wont allow me access to my money!!! I cant pay my rent, I cant go grocery shopping, my life has come to a complete stop because someone at Bank of America decided that because I forgot my mobile banking password, it constituted suspicious activity and has temporarily destroyed my life!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90806
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My card expired. They said they sent a card. never received. we aren't the post office. They used to send emails giving the consumer a heads up. They don't now. When addressing the issue to the branch manager on XXXX XXXX in XXXX Florida he seemed more concerned about his accolades rather fixing the problem, kind of rude. Customer service was rude and didn't seem to open to listening to the complaint. They should send this signature certified. People being unable to get their debit cards and the bank failing to put policies in place to ensure it happens, signature certified, head sup they are coming, verification it was received after 10 days etc. - without these all leads to definite consumer harm and is an unfair practice. Bank of America should know better. Rude managers and customer service members who do not care are not the answer to potential consumer harm
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32205
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a claim on XXXX XXXX for {$4900.00}. They closed my claim prematurely without doing any research. I provided documentation to BOA on XXXX XXXX when I received a letter in the mail requesting more information. I called on XXXX XXXX to be certain the document was received. That is when I was informed that they did a chargeback to the merchant for the wrong amount and would have to reverse the chargeback and reissue for the correct amount. I asked that my account be given a temporary due to the delay by BOA. I recieved the letter requesting more information well after ten days and its no fault of my own that they created the chargeback for the wrong amount. BOA has refused to cooperate with my request and I have called and escalated the situation, spoken with managers everyone has told me they submitted the request but it is not guaranteed that anything will be done. Boa has failed me miserably and placed me and my family in a financial crisis. Due to mistakes that were not made by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30233
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Bank of America has blocked my account and I cant access it or use the funds I have in it. As I dont live in the US its impossible for me to visit a branch to solve the issue, Ive tried calling more than 20 times and nobody offers any solution. When the account was opened I was promised I would be able to solve any issue via phone or app and this has not been the case, I am in urgent need to access the account as I need the funds and to be able to make transactions with the account, thats why I opened it and I have not been able to use it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2023 I received emails from Bank of America that an online application was filed and approved. There were several emails and I went to Bank of America on XXXX XXXX XXXX XXXX Washington XXXX DC on XX/XX/XXXX at XXXX. I met with a representative there and they contacted their fraud department and stated that someone did open an account in California. They were able to have that account closed and blocked. XXXX XXXX I received more emails about an application and it was approved. I spoke with them again stating that I did not open an account. At this point I am furious as someone is able to open accounts in my name with my address ( my parents address, not my current address ). XX/XX/XXXX and XXXX another email with them welcoming me to Bank of America. I have no where else to turn to about this matter and need to know what my next steps are and how do I go about this? They will not give me corporates number. I have all of the emails printed out as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Bank of America has mis-handled the depositing of their balance transfer check, advised a XXXX XXXX to a Bank Account after they mis-handled the balance transfer and misapplied a {$8400.00} payment to the lowest interest rate ( two balance transfer with 0 % interest ending XX/XX/XXXX and XX/XX/XXXX ) rather than the XX/XX/XXXX purchases of {$8200.00} and {$160.00}. This has resulted in Bank of America charging me {$80.00} which is 21.49 % of a {$4800.00} purchase balance. This is all reflected on the XX/XX/XXXX - XX/XX/XXXX statement. I don't know how the recent {$8000.00} Balance Transfer is being classified or if the 0 % promotion was done correctly. This was not reflected on the most recent statement. In addition, the representative at Bank of America could not see how the most recent Balance Transfer is classified. I have many may phone calls to Bank of America over the past month and they refuse to admit wrongdoing, refund the {$20.00} bad check fee from XXXX XXXX and violating how payments in excess of the minimum payment should be applied. I believe Bank of America believe I am ignorant regarding their illegal actions which violate the Credit Card XXXX of XXXX. Please reference the chronological order of my transactions with Bank of America : XXXX {$200.00} payment that for fill the minimum payment XXXX {$8200.00} Purchase XXXX {$160.00} Purchase XXXX Payment of {$8400.00} XXXX {$8000.00} Bank of America Check was deposited into XXXX XXXX checking account. XXXX I returned a phone call to Bank of America Fraud Department before the XXXX deadline to verify the {$8000.00} check. XXXX Bank of America rejected the {$8000.00} check payment request to XXXX XXXX XXXX The previous Bank of America employee never release the Fraud hold so the check could be paid. XXXX Bank of America refused to pay the {$20.00} bad check fee charged by XXXX XXXX XXXX The employee advised us to call back after the {$8000.00} hold that was placed on the credit card. The employee suggested a Bank Direct Deposit to avoid the same type of problem. XXXX Bank of America did a Direct Deposit Balance Transfer of {$8000.00} to the XXXX XXXX checking account. A fee of {$320.00} was charged for a direct deposit fee. XXXX Statement Credit of {$88.00}??? XXXX {$300.00} Payment XXXX Phone call to Bank of America concerning how they misapply my XX/XX/XXXX {$8400.00} payment. I told them they misapply of {$8400.00} payment leaving me with a {$4800.00} purchase balance which was accessed {$80.00} in interest charges. I ask them to reapply the payment to the total {$8400.00} purchases, they refused. I ask them to forgive the {$80.00} interest charge, they refused. Bank of America they have the right to apply anything beyond the minimum payment to any existing balance transfers. I am wary that they even apply the {$8400.00} payment to my most recent balance transfer of {$8000.00} on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Identity theft protection or other monitoring services
Subissue: Billing dispute for services
Consumer Complaint: To whom it concern : I believe my wife and I personal identities have been compromised by a fraudulent agent that stated he was a customer service representative from Back of America. He informed us that {$400.00} was debited from our checking account and he needed our social security numbers and debit card information in order to reimburse us for this fraudulent charges to our account. We contacted Back of America fraud department to inform them of this situation and also contacted the Attorney General of Rhode Island to inform him of this situation. The Bank of America fraud department informed us that they did not contact us and have no record of any customer service representative had contacted us. Therefore, the fraud agent from Bank of America is scam and that we needed to contact social security department and Attorney General of Rhode Island about this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02904
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The credit card was on auto pay, and Bank of America still processed a payment on the account, causing a credit balance of {$1100.00}. After a phone call, they indicated they would send the balance back to our payment account within 5 business days. This was not done. I referenced a legal requirement found that indicated that a financial institution would have seven days to provide a refund if requested in writing. I contacted BofA to obtain this address and was told they did not have a place to send these inquires. I told them this was contrary to the law and was met with silence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91001
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Credit limit changed
Subissue:
Consumer Complaint: Bank of America, XX/XX/XXXX, Credit taken away/Line of Credit reduced to zero ( closed ) without notice. The only way I found out was because I logged on to the BofA website and the account was missing from the list of my open accounts. Gone. No history. I could not even view past statements. Nothing. Once I realized the issue ( XX/XX/XXXX ), I called Bank of America and they, too, were unable to locate it using my profile information ( there were at least two representatives who tried to help locate the information using the usual data points like name, social security information, etc. ). Looking through some old records ( thank goodness I didn't sign up for and another reason to forego Electronic Only records/ electronic records safekeeping offered by the bank ), I found and provided the account number to the third customer service representative to whom I was transferred, at which point I was informed that they closed it, that the account was an account they no longer offered, they would not reopen it and they wouldn't grandfather it. They never informed me of their plans to close it nor that it had been closed. Never. Additionally, it immediately impacted my credit score as it reduced the amount of available credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A