Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern : I can not believe I am here again starting a new complaint again because I am a victim of fraud and Bank of America is doing ABSOLUTELY NOTHING to help. I currently bank with XXXX XXXX XXXX, and my bank has done everything to fight for my money back. Please read this below ( my original complaint that explains everything ) and then I will continue to explain what happened after BOA closed my claim and the CFPB closed my claim as well. PLEASE REOPEN MY ORIGINAL CLAIM. NOTHING WAS SOLVED : ORIGINAL COMPLAINT ID XXXX To whom it may concern, Our business XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX banks with XXXX XXXX XXXX XXXX Our company wrote a check to a vendor of ours ( XXXX XXXX XXXX ) on XXXX in the amount of {$1500.00}. That check was intercepted in the mail and signed over to a " XXXX XXXX '' which was not approved, ( nor do we know this person ) by XXXX XXXX XXXX. It was also altered to read " {$9500.00}. '' You can clearly see in the copy I have attached below that the one was altered to a nine both numerically and in the written portion of the check. It was then successfully cashed at a Bank of America, which we are stunned about, considering the check looks clearly altered. I went ahead and notified XXXX immediately when I noticed it was cashed on XXXX, along with notifying my vendor that the check was originally was supposed to go to. He filed a police report ( information attached ) along with myself. I filed a police report with XXXX, IL PD which is where our warehouse is located. I also filed a claim with USPS. As soon as all the paperwork was filed, I received a call from a gentleman at Bank of America basically asking me questions about this case and he went ahead and said " I can clearly see this is fraud so I will be marking it as a clear fraud case and it will be moved over to a different department that handles the re collecting of the money and giving it back to you. '' I have called Bank of America to see what the status was of our refund, and I have yet to hear anything. I am in constant contact with my bank ( XXXX ) but they said there is nothing that they can do and that they are at the mercy of Bank of America since that was where the check was cashed. I keep trying to call Bank of America and they say they can't help me because I don't bank with them. I offered the case number that XXXX provided me with and they said that their case number would be different from XXXX. I called XXXX again to see if they had any other case number and they don't. It has been a constant unfair battle. I am in constant contact with my banker and he is telling me there is nothing they can do until Bank of America responds. He also told me that Bank of America is now ignoring the emails that my banker and his supervisor are sending from XXXX. So now, not only am I being ignored from Bank of America, but so are the emails that are coming from XXXX Bank. I think this is absolutely ridiculous. We are talking about our hard earned money and Bank of America does not have the respect to respond after their bank allowed a fraudulent check to be cashed. I have provided all of the documentation supporting my case and I am really hoping that someone from the CFPB can help. My husband and I have started this company from the ground up and having {$9500.00} stolen from us hurts our business a lot and on top of that being ignored and basically " shooed '' away each time I call Bank of America because I don't bank with them. I have also contacted the police department for an update yesterday and the detective on the case has advised me that he believes he has located the individual that cashed this fraudulent check. He is in the works of getting a warrant. I also went ahead and also submitted this complaint but on the last page it asks to whom i'd like to send the complaint to and I stated " Bank of America. '' And then, it asks for a bank account number which I clearly don't have and this is the exact same issue I am having with them. I hit the edit it button so I could come back on this page and notify you guys in this description what just transpired. Since my report above ^ I have heard nothing up until a few weeks ago, a representative from Bank of America called me ONLY because he works in the department that handles the CFPB complaints. He told me " I can not give you any information on this individual that cashed your checks ' account. '' I told him I don't want any information on him at all or what his finances are like, I just want my hard earned money back that BOA cashed fraudulently. He proceeded to tell me that he could not talk to me about anything, but then said my bank would have to reach out to them directly ( which they have been ). I then asked to speak to a supervisor and he directly said " no ma'am I will not connect you to a supervisor, they are going to tell you the same thing I'm telling you. '' I insisted again and he refused. I finally said " well as you stated on the beginning of the call, 'we are on a monitored and recorded line, ' you are telling me on this recorded line you refuse to connect me with a supervisor? '' he then told me to hold a moment to see if he could find a supervisor. He came back on the line and said no one was available but someone would call me back within 24 hours, which absolutely no one did. That was a direct lie. He then said he was sending me a form by email and by mail ( I never received anything in the mail, only by email ) and he said he was sending the same information directly to XXXX XXXX and to have a good day. The letter ( attached ) basically states that they can not give any information to me and that I would need to fill out an 'Endorsement not as Drawn ' form which I already completed back in XXXX of XXXX and that my bank would then have to file a hold harmless which they did as well. This representative from Bank of America 's name that called me about the above, refusing to connect me to a supervisor is : XXXX XXXX Direct Number : ( XXXX ) XXXX extension : XXXX The executive case number that he gave me was XXXX Fast forward to this week, I receive a secured letter to my XXXX XXXX portal stating that the claim has been closed. I called XXXX XXXX immediately to ask what happened and the supervisor I spoke to said that BOA gave them two reasons, one it has been past 90 days and that they don't believe the check was fraudulent. She then told me she was going to reach out to them again and ask what the reason is because it should never be two reasons. She told me to call back within 1-2 business days with an update. I went ahead and called again today ( about a week after the call ), and they still have yet to hear anything from Bank of America. I can not believe that I am fighting this hard for my hard earned money. This is absolutely ridiculous. The police department that I have filed the police report is working harder than anyone. THEY HAVE FOUND THE CRIMINAL. There is a warrant out for this criminal 's arrest. My local police department is doing a better job at fighting for me than anyone else, including the CFPB. The CFPB closed my claim because they saw that BOA reached out to me. All they did was reach out like I had mentioned above ( The call from XXXX XXXX ) and nothing came from that and every claim was closed after that. This is a direct example of how they are circumventing the CFPB 's authority. I feel like the CFPB should really look at their process and see how this big bank is taking advantage of a small business owner, and that is unacceptable. Please help a small business owner that is fighting for their hard earned money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60025
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23, I deposited {$9900.00} cash with XXXX of {$50.00} bills at Bank of America at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. The bank teller used a machine counter and it gave me an amount of {$9000.00}. I didn't notice until 3 days later. I came to the bank on XX/XX/23 to report this to the manager. He told me to call consumer service to report it. I called and reported to consumer service by Bank of America. Last week, I received a letter stated that " No adjustment is neccessary. '' I believed the Bank of America Machine counter was made a mistake and miscounted my money. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: So know Bank of America has decided to play this role of lying to me about not being able to verify me so they could find every way to steal my money from me. The representative they have assigned to my case XXXX XXXX XXXX XXXX XXXX XXXXXXXX is consistently rude and doesnt help the situation at all. They need to assign my case to someone else so I can have different results. She honestly needs to be fired cause she doesnt know how to speak to people, is very argumentative, racist in her tone and disrespectful. I need my case assigned to someone else maybe then I will get the help I actually need but until that happens everytime I call its a problem. I dont how regular customer service could confirm my identity but the regulatory complaints department cant, somethings going on and it seems to be high amounts of fraud being done through the higher up departments at this institution. Consistently stealing peoples money to turn a profit for themselves. Unbelievable and disgusting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: It's being more than 30 days and the creditor has not updated the information nor has provided proof or documentation regards to a late payment. They have not supplied this information and they must delete the alleged late payments on my credit report under federal law they had 30 days to complete the investigation by failing to do so the item must be deleted from the report as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: In XX/XX/2021 i used a Bank of America credit card to keep it from being canceled for inactivity. Unbeknownst to me, they deliberately turn off your auto pay after three months of inactivity. That {$100.00} balance got sent to collections. I had 10 years of perfect credit history ( property, vehicles, credit cards ) with a XXXX credit score. I just got turned down for a loan because their report shows that Im unreliable for delinquency. Also lost XXXX points. Why would a Bank of America program their system to turn off your auto pay?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37716
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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: I was notified by Bank of America that there were fraudulent charges on my account. I notified them that nine charges were not mine. They are now dragging their feet and will not discharge {$1400.00} charges that I did not authorize. I met with a banker on XX/XX/XXXX and I will meed again with the banker today XX/XX/. Their accounting seems suspect because some fraudulent charges were removed and then added back to the charges. They will not clear my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Bank Of America sent me a credit card that I did not apply for I called them waited on hold an hour got bounced around and they did not have an explanation whyyI received a credit card that I never applied for
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: 2023-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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: My employer uses Bank of America ( BOA ) as the vendor to service XXXX and XXXX XXXX payments. Bank of America issues one credit card to service both areas : XXXX and XXXX XXXX, however, they are separate buckets for tax and reporting purposes. When you use the card it is supposed to be able to decipher on the transaction by transaction basis which bucket the transaction 's charge should go to, however, the system is not working. It does not allocate my transactions correctly which is a huge problem for tax purposes. When I try to get the issue corrected, BOA says that there is nothing that they can do. They say that they are not allowed to correct the allocation issue. I have tried to work with XXXX from BOA who then transferred me to XXXX. They are not allowed to fix their issues. It just becomes a consumer problem. Date : XX/XX/23 payment to The XXXX XXXX XXXX for my daughter 's therapy. Transaction Amount : {$350.00} Action Taken : NONE ( I was told that there is nothing that they can do )
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
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: I made a purchase through a XXXX company on XX/XX/XXXX. The prices are listed in CAD dollars on the website with an option to convert to USD. The purchase was charged in the USD not the CAD equivalent ( {$140.00} CAD was charged as {$140.00} USD ). I reached out to the seller and sent screenshots of the website and how much I was charged. The seller stopped responding. I waited till XX/XX/XXXX when the payment was charged to my credit card account and disputed it through the online portal. The portal asked if I had any evidence to upload to the dispute to which I responded yes. The dispute was submitted without an option to upload any documents. I received an acknowledgement email and letter from Bank Of America which provided a mailing address or fax number to upload evidence. I was out of the country and returned on XX/XX/XXXX. I called Bank of America and asked if there a way to upload my email chain to the dispute and was told I need to wait 10 days for an agent to review my dispute to " open '' the online portal to upload my documents. Why is it necessary to wait an additional 10 days to upload information I had when the dispute was opened? This process seems unnecessarily long and time consuming. First the consumer needs to wait 10 days for the dispute to be viewed, then upload the documents then wait again for the dispute to be reviewed a second time. This dispute only needed to be viewed once if the portal would allow me to upload the documentation the first time. Having a consumer go into a branch or fax documents is an antiquated system. If my dispute is submitted electronically, I expect to be able to submit the supporting documents for my dispute at the same time. While this wait is going on, the payment amount being disputed has not been refunded. This system is built to protect the bank and the seller, not the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75068
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a checking account online on XX/XX/2023. During the application process, I provided my XXXXXXXX XXXX XXXX savings account information ( routing number and account number ) and requested {$25.00} to be transferred from that account to the new BofA account as the initial opening deposit. {$25.00} was deducted from my XXXX savings account on XX/XX/XXXX. It is XX/XX/XXXX today and {$25.00} still doesn't show up on BofA Checking account. I chatted with BofA agent online, who said she doesn't see any {$25.00} transfer from XXXX XXXX and told me to call XXXX ( despite the fact that BofA is the one who pulled {$25.00} from my XXXX account ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94611
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A