Date Received: 2023-04-03
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email that Bank of America was unable to open a Bank of America Advantage SafeBalance Banking Account. I DID NOT ATTEMPT TO OPEN ANY ACCOUNT with Bank of America. This e-mail was dated XXXX2023. I do not want to open and account or do any banking with 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: 144XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX a wire transfer was made by me to Bank of America as a refund for a supposedly mistake made in a deposit to my bank account. This occured when I saw a false bill on my XXXX account. I called XXXX after I sign into my account. They switched me to fraud and I was transferred to a man who was going to fix it. He sent me a form to fill out on my computer. I put the amount of {$500.00} and their side showed it as being a {$50000.00} refund to me by mistake. It showed in my checking account for a day and while it was there they asked me to transfer the money back in XXXX payments ( first payment was {$39000.00} ) so it would not be handle as a business payment that would have been subject to federal taxes. Now keep in mind I was transferred to this person while I was on the phone with XXXX and yes it was the correct phone number. The money was transferred to an account at Bank of America at XXXX XXXX XXXX, XXXX XXXX CA. Name on account was XXXX XXXX account # XXXX Routing Number XXXX. After I transfer the money their deposit no longer showed on my statement and the money was taken from my personal funds. So I lost {$39000.00}. This was on a Friday, when I saw their money was no longer in my account and I was out {$39000.00} out of my account I called my bank and had them report as wire fraud. So I got a letter from my bank that Bank of America sent saying the following : Greetings, Thank you for contacting the Bank of America XXXX XXXX XXXX. Your claim number is as follows XXXX is in process of actively being worked by assigned analyst. A claim such as this can take up to XXXX business days to resolve., however, there may be circumstances which may cause the resolution time to be longer. We are working hard to get your claim resolved as soon as possible. Regards, Bank of America XXXX XXXX XXXX XXXX Bank of America : Proprietary and confidential. Please Do Not Reply-This is a System Generated My bank has tried calling I have tried calling and you can never get through to anyone. I am frustrated in the fact I can not get any resolve on this issue or information on this. As far as XXXX switching me to there fraud dept I can't get any resolve there either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 952XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Back in XXXX I purchased a car part from XXXX for about {$130.00}. The carport stated that it was for my car but when I received it, it was completely wrong. I made attempts to contact the seller and open the claim to return. The seller denied it and close the claim without even contacting me back I tried calling XXXX and they told me I shouldve called them first to settle it, so my only option left was to call Bank of America and tell them to dispute the charge. I told them everything exactly I even provided evidence with pictures and just today I receive that I wont be getting my money back and that I am in possession of the item which is because the seller didnt discuss anything with me at all, so obviously, I am in possession of it, and that there was no form of communication between me and the seller when there is and I have evidence of it that I sent to Bank of America XXXX I feel like everything I told him was ignored, and whoever was sitting behind the desk just wanted to get my claim over with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have had numerous fraud on my debit cards and finally spoke with a manager me and the manager together set up a new checking account personally she sent me the email I press the link and we went through it together then we transferred my funds from my old account that was being fraudulent to my new account all of a sudden Monday morning I wake up in my account is closed from my checkings the new one and my savings account while I have my money in there I call no one knows what's going on then finally I get to somebody and they tell me that my account has been closed I asked them why and they said they do not have to give me a reason it's part of their policy they can close an account at any time then they told me I could pick up any money that was in my account left over as long as I had a debit card or my ID I went to the bank show them ID was getting ready to receive my funds then they told me someone made a note saying can only deposit not receive no one can help me fix this and I've been a customer since XXXX with Bank of America I have no reason and there is no reason for my accounts to be shut down for I have followed all procedures I just feel that they do not want to pay out what day would owe me when they find out they're investigation that I filed on my claims are to be true so they close my account but that's my assumption but it's not fair to not let me pull my money out I need this money urgent
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48093
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have had 2 Bank of America visa credit cards, both paid & closed in good standing. It mystifies me why not only was my XX/XX/23 AND XX/XX/23 secured card applications denied, my login in account is CONSTANTLY taunted by fresh approvals, as the enclosed document shows, available to upload to ANY agency I deem fit, proving careless treatment of my credit score with wasted inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89103
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: A checking account was opened in my name without my knowledge or consent. I called to close the account on XX/XX/XXXX. Today on XX/XX/XXXX I am still getting a bank statement. Ive called again and they have told me the account is closed. Ive asked since that is the case, I should no longer be receiving statements or correspondence on account thats closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I added 6 authorized users to my credit card. Then, Bank of America cancelled my account without notice. I only received notice about 7 days after the account was closed and they did not allow me to reopen the account. I called Bank of America on the morning Wednesday, XX/XX/2023 after realizing my Credit Card transaction was declined because my account was closed. I tried to do a transaction earlier that morning, but I got an email that the transaction was declined and the reason saying my account was closed. I did not close my account. They explained that I will get a letter in 7-10 business days. I was not given a reason at the time, or allowed to reopen my account after asking. I received a letter saying the account was closed for " irregular authorized user activity on one or more of your accounts ''. I was never told or warned that this was not allowed. I was never given notice that my account was closed until it already has. I was not given a chance to explain what has happened or any chance to fix what was wrong. Bank of America did not allow me to reopen my account. I paid my card on time and in full every month. My XXXX credit report as stated in the closure letter had multiple accounts, low utilization and perfect payment history with a XXXX FICO score. This card is one of my oldest accounts and closing the account will adversely affect my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60616
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: We were on vacation in XXXX from XX/XX/XXXX - XXXX of this year. On our last day a fraudulent charge for {$1300.00} appeared as pending on my XXXX credit card. We think what happened is that when we stopped to top off our rental car with a couple liters of gas my husband handed the credit card to the attendant who walked away with it. We heard never to do that in XXXX because of fraud. Always be present with your credit card. It was the only time someone had my card where I wasn't present. He came back to the car and said that the card wasn't working. I tried to hand him my Amex and he waved it away saying that the internet wasn't working. So we paid cash for a couple liters of gas and left. I didn't think to save the receipt. I didn't think to check my credit card for pending charges while we were there. We left, returned the rental car and made our way to the airport. I noticed the charge when we landed. I immediately disputed the charge with Bank of America. It's now almost XXXX months later and they are intentionally making the process impossible. First they make you send them letters with more information even though they already have all the information and could easily just call you for it. These come in the mail and by the time you get them the letter states that it must be received back to them within a day or XXXX which is totally ridiculous. So I sent the letter and I called because of the short deadline. Also they list a different mailing address on the letter than they do on the return envelope you are mailing it back to them on which is confusing. So then a month goes by as I hear nothing from them. I call and the agent explains to me, oh we need to classify this as fraud. It's not classified as fraud so that's why it's taking so long. So then another month goes by and I get a letter in the mail saying please sign this and we'll issue you a new card and get you a refund. Again the letter has a date that it needs to be received that's only two days from the day I received it. I sign it and mail it back. Then I call them because of the short dates on the letter they give you to respond. I don't want my case being closed because they didn't get the letter in time. This agent now tells me that my case is only now being escalated to fraud. I say, what? I was told that over a month ago? Was that agent lying to me? I was then informed I wasn't going to get a credit yet even thought the letter I signed said otherwise. That I was now going to have to wait for the fraud department to get back to me and I should just sit tight. I can see on my Bank of America statement that my fraudulent charge was refunded on XX/XX/23 and then charged back to me again on XX/XX/23. I don't know why it's taken three months to get this escalated to fraud along with two different letters written and signed sent back to them and probably four phone calls. I can say this process is set up intentionally so that people will get exhausted and drop the fraud charge. It's insulting. I wish this happened to me on my Amex as it would have been resolved months ago. I asked directly to speak to a manager on my last call and wasn't allowed to. Please make the cycle of hell stop. Have someone in Bank of America who has some knowledge of their actual profession call me to resolve this. Also there's no need to mail letters these days. If there's such a time crunch then try just asking for an esignature. I'm sure you use them already in your banking application.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/23 a savings account with Bank of America was opened in my name and I closed it as soon as I got an email telling me my application was submitted and approved. I called Bank of America right away and the account was closed. Today ( XX/XX/23 ) two more savings accounts were opened with my information and those were closed as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I recently have been involved in identity theft where checking accounts have been opened under my name WITHOUT MY KNOWLEDGE with Bank of America. I have already spoken to numerous people at the institution within the fraud department, I have locked my SSN number, I have completed affadavits, and still accounts are being opened. I have reported this with the Federal Trade Comission as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A