Date Received: 2023-03-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A fraudulent account was opened in my name on XX/XX/2023 with Bank of America. I called and promptly had the account closed and it happened again on XX/XX/2023. I already had freezes in place will all of the credit bureaus and after the first account was fraudulently opened I placed an additional alert. Bank of America 's does not have safeguards in place and does not require even an email verification to open a checking account and they stated that it may take " around 30 days '' to fix any safeguards in their system regarding my information. They have no solutions for me to prevent additional accounts from being opened in my name. They closed the accounts and gave me reference numbers for the incidents XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07871
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was a victim of scam, when I applied for a job on XXXX XXXX and the company that supposedly hired me, told me to XXXX checks they sent me by email through my bank account to purchase supplies that I would need for work. I deposited the checks and found out a few days later the checks were fraudulent. And now my bank account is over drawn {$1300.00}. They told me to reach out to XXXX and said they did an investigation. And soon after denied my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89130
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX sent me email stating my XXXX had changed shoes a card inquiry On XX/XX/XXXX for new card. I didnt do that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX sent me email stating my XXXX had changed shoes a card inquiry On XX/XX/XXXX for new card. I didnt do that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Bank of America has fraudulently opened an account under my maiden name without my authorization. The debit card is being mailed to a residence I havent resided at in 7 years. I can not contact the company because I dont have the account number. I did not authorize this account and I do not have any accounts with Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19063
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I filed a claim with Bank of America Pre Paid Visa connected to my Maryland Unemployment Benefits and Pandemic Relief account in XX/XX/XXXX. The claim was for unauthorized charges due to the theft of my card. The claim was supported by a police report. I contacted customer service over 20 times and spent hours on hold just to be denied 2 months after the claim was made. It didn't make sense to me that after closing my account twice without notice " for my protection '' causing me to go months without my benefit funds, how Bank of America could deny my claim when ACTUAL FRAUD HAPPENED??? I just read an article about CFPB fined Bank of America XXXX XXXX for closing accounts for no reason and denying benefits to us for months. That's why I decided to make this complaint. Just recently, on XX/XX/XXXX I called BOA Pre Paid to reopen my claim. After doing so I was told someone reopened my claim XXXX XXXX XXXXXXXX. I don't know who did that but the agent named XXXX said that my claim had been reopened and HAS BEEN IN PENDING STATUS FOR ONE YEAR. I have email threads with many people about this incident. I can forward every piece correspondence to CFPB but I don't know where to attach or the correct email to forward this messages and emails. Please help me rectify this issue. BOA Prepaid claim number XXXX. XXXX XXXX. Again, they closed my account for fraud protection ( for my protectio ) but when actual fraud happens I get denied the money the was stolen. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 075XX
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: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Bank of America has started random credit checks on open accounts again, similar to the practice they did in 2008. Based on the information they receive, regardless of payment history, they lower your credit limit to just above your current balance or close your account. This practice significantly changes your available credit to debt ratio which impacts your credit score greatly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95035
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: Confusing or missing disclosures
Subissue:
Consumer Complaint: In XXXX, Bank of America unilaterally closed one of our bank accounts. The reason they provided was that they could not verify one of the names on the account. I don't believe that BoA actually attempted to verify my son 's identity. Based on that action, we closed all of our BoA accounts to include credit card accounts with the exception of one LLC account. My complaint is that BoA kept one of the credit cards active after we had requested that it be closed. In early XXXX, while collecting information for our tax returns, I discovered that this credit card account was still open and had accumulated charges, late fees and interest in the amount of {$170.00}. My issue is not the dollar amount but the fact that BoA filed a negative credit report with all of the credit reporting bureaus. When I discovered this I filed a dispute with BoA and BoA ruled in our favor erased all outstanding charges. However, BoA has refused to write to the credit bureaus to let them know that they filed the negative credit report in error. In the meantime, my excellent credit rating has been reduced to good which negatively impacts me. I am requesting that the CFPB direct BoA to take all actions necessary to repair my credit which has been harmed by their erroneous action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
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: 2023-03-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX support tech scammed me into XXXX money to them. In the amount of {$3400.00}. There were 9 different XXXX transactions from account taken. Money was withdrawn that I did have available. I only had around {$400.00} and BOA gave them {$3500.00}. I got a letter from that my claim was denied because I author transactions. Wouldnt there be a red flag that there was no money in my account to keep in withdrawn if. Please help to get my account credited. My like is on pause for money that I did have but owe! How is this possible? There has to be a better system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A