Date Received: 2023-03-29
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: My name is XXXX XXXX and I've been a Bank of america customer in good standing since XXXX. Around XXXX XXXX XXXX I went to use my ATM card to get cash which was successful and then I went to XXXX in XXXX, Maryland and tried to use my card and it was denied so I tried a second time also denied. I received a text and it was from bank that I needed to call do to security problem. Called number and was asked several questions and was then told you are okay and you can use your card now. Tried again and it was denied again so I gave up and returned to my car. Called bank number from my car and they told me to go to my local bank and tell them what's going on. Went home, fed dogs and proceeded to drive back to my local bank. Once inside I talked to clerk and he said something wasn't right and I needed to talk to manager. I went and waited and manager came over told me to have a seat and asked me where all did I use my card and I told him and he made a call to corporate office and then he asked me if I wrote anf checks today and I said and he said well a counterfeit/fraudulent check was written by me today and they were proceeding with closing my account. He told me to go home and call this number to corporate office. I was shocked and upset and once I got home I thought what am I going to do, no bank, no money till XXXX of month. Called number and they were really nasty with me accusing me of something I did not do. They put a hold on my account until they could close it, told me to cut up bank cards and checks and I had no more access to my account. So, thank XXXX for friends who loaned me money to make it a month without. XXXX XXXX XXXX my tax money went to bank of america and I can't get that either. I'm really stressed and upset, really put me in a hardship position.
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: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am not an attorney, legal counsel or tax expert but rather a consumer pursuant to the Fair Debt Collection Practices Act ( FDCPA ), who have been threatened by legal action as unfair or unconscionable means to collect or attempt to collect any debt by debt collector Bank of America implication of attorney alleging a debt in excess of {$1.00} as a false, deceptive misrepresentation of a credit balance as expressed by the Fair Credit Billing Act. Bank of America use of false, deceptive, or misleading representation by account stated in connection with the collection of any debt by misrepresentation of the character, amount, or legal status of any debt is disputed for validation, verification, and proof of claim expressly authorized by the agreement creating the debt. The debt collector has harrassed me by furnishing my nonpublic personal information without sufficient proof of claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33312
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/2023, I submitted a claim to Bank of America concerning fruad on my debit card. my debit card was used without my authorization or knowledge on several occasions and I proceeded to submit a claim on the phone with Bank of America. I provided all information asked of me and all information that I knew. I recently had to contact the consumer finance protection agency due to Bank of America, disregarding a claim, and in turn ruling against me. After getting representation from the CFPB, Bank of America immediately realized it's fault, and I was provided the money from that claim. This is typical of Bank of America, not doing the research it entails in order to provide their customers with the best service. This is an exact situation like the last, and now I just found out that the dispute was closed and the money withdrawn from my account. I am now in the negative with my rent due, and absolutely no answers to what or why they close the claim. They never reached out to me to provide any other information and just went ahead and closed the claim like they did the last. THIS IS COMPLETELY UNACCEPTABLE. AND NOW I AM HAVING MY LIVELIHOOD PUT OUT ON THE LINE DUE TO BANK OF AMERICA REVERSING THIS CLAIM. I HAVE PROVIDED SCREENSHOTS OF THE DEBITS AND THE CLAIM NUMBER. Please I need someone from Bank of America to re-open this claim and re-search it again as I do not have the means to pay my rent now. I need this credit immediately and I need an actual investigation on the claim and not just somebody passing it by like they did before. Attached are screenshots of the reversed debits on my account in the claim ID number. Please re-open this claim immediately and provide provisional credit as this investigation and ensues!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I made an over payment to my credit card of {$550.00}. The credit card already had a credit on it. I owed no money. According to BOA policy a customers overpaynent is entitled to a refund being transferred back to the originating account ( checking account ). I requested this refund on XX/XX/XXXX. The Rep said it would happen in one to two days. On the third day I called looking for my money, This rep said it would take 5 to 7 days for refund. On XX/XX/XXXX I called again looking for my refund. This rep said it would take 7 to 10 business days. I just called today XX/XX/XXXX again to find my refund. This rep could give no answers for delay. She did discover that my first request was deleted, a second one was opened on XX/XX/XXXX and a third request was posted on XX/XX/XXXX. So every call deleted the initial request and started a new one with another 10 day delay. So I am now waiting anther 10 business days ( two weeks ) to be refunded my money. A suspicious person would think BOA has a cash flow problem or they just never refund customers their money. I have been a BOA customer for 53 years and they really don't care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
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: In XX/XX/2022, I sold a XXXX XXXX XXXX XXXX on XXXX for {$1900.00}. The buyer then opened a dispute with his bank for " item not as described '' and was refunded by his bank the full amount. The buyer then listed the ( now stolen ) laptop on his own XXXX, with my exact listing, description, and photos, and sold the laptop for {$2000.00}. XXXX, attempted to collect {$1900.00} from me to settle the buyers fraudulent dispute. I had informed Bank of America that I had been scammed and asked them what to do. Bank of America, on my behalf, disputed the XXXX charge, and opened a new checking account from me so XXXX could not attempt to collect, and bank of America also blocked XXXX from taking money from my account. Fast forward some time, and XXXX is trying to send me to collections over the {$1900.00} that was wrongfully stolen from me. I called Bank of America and asked them if I should pay it, to avoid being sent to collections, and then dispute it, to extend the amount of time I have to work on this in small claims and avoid collections. Bank of America TOLD ME this would be a good idea, and they would help me through it. So I called back Bank of America, and they advised me " I SHOULD PAY & DISPUTE IT ON MY CREDIT CARD & NOT MY DEBIT CARD. '' Bank of America walked me through the dispute and filed it for me, and came back a week or so later and DENIED my dispute. The reason for denial is because " the dispute is against a 3rd party '' This hardly makes sense to me, the dispute is against XXXX, which allowed the buyer of my laptop to blatantly rob me, and XXXX helped the buyer facilitate the fraud against me, XXXX is trying to collect from me, not the buyer. Even if it was against a 3rd party, if I use my Bank of America credit card to buy Bananas at XXXX and dispute it, the bananas are made by a 3rd party... not XXXX What really bothers me is I would have never paid it if Bank of America hadn't advised it was a good idea. I would have not disputed it if Bank of America didnt tell me to. Bank of America told me to pay & dispute it on my credit card, and not my debit card. Bank of America told me after the fact, disputes against a 3rd party would have been covered if I had paid and disputed with my DEBIT card. I was completely mislead and lied to by bank of america. They misguided me and lost me {$1900.00}. It is the rep at Bank of America who TOLD me what do to and how to dispute it, THEY walked me through the dispute process, and wrongfully denied it on a technicality.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33487
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: XXXX XXXX notified me of identity theft associated with bank of america who had sent me unsolicited credit cards -- 2 of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85205
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: BofA mortgage officer XXXX XXXX ( XXXX XXXXXXXX ) requested permission to run a hard inquiry on my credit. I did not get my consent for this pull. They ran my credit anyways. This is a flagrant disregard for FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02472
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2022 we received a call on our home phone that had a caller ID from Bank of America. The man named XXXX said someone was trying to take money out of our checking account in Fla. He said he needed to verify us, just as Boa does, by sending a 6 digit code to our cell phone number which he had. When he did, we gave him the 6 digit code and he proceeded to put us on hold, using the same music system that BOA does. He proceeded to open a XXXX account, which we never had and transferred {$890.00} from our checking account to the XXXX XXXX. When we went to our local bank the next day, we were told no one had every called us. We started a claim on XXXX, and have not had any success in recuperating our funds. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XXXX XXXX 2023, I received several e-mails notifying me that I had been enrolled in Online and Mobile Banking with Bank Of America who I have never had an account with. I also received e-mails asking me to verify my email address, that my online application was being processed and was approved. Then I received an e-mail that my e-mail address was updated with them. None of this was done by me so I immediately called the Bank Of America fraud department to report this and at approximately XXXXXXXX XXXX I had spoke to a representative named XXXX to investigate this. Upon reviewing my first and last name and state of residence, I was assured by the representative their was no account open with my name and that they werent sure why I was getting those e-mails. However on XXXX, XXXX 2023, I had received an alert from XXXX credit monitoring about an inquiry from Bank Of America that my SSN had been used to open a bank account with Bank Of America but oddly received an e-mail from Bank Of America again today that my application for an account with them had been denied based on information they received from XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: I had two checking accounts with Bank of America. I had one business account XXXX XXXX XXXX ending in # XXXX and personal account XXXX XXXX ending in # XXXX. I had a friend XXXX XXXX transfer {$9900.00} by wire to my business account on XX/XX/XXXX from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX on XX/XX/XXXX. This was a legitimate transaction for a wedding. Once I received the deposit into my business account, I transferred {$9800.00} to my personal account the next day. I then tried to purchase XXXX, which I have done so successfully previously. Bank of America flagged the transaction and stopped the transaction. When I called Bank of America they could not tell me why this transaction was flagged. A week later, the first week of XX/XX/XXXX, Bank of America froze my accounts and then a few weeks later closed my accounts. I have called Bank of America hundreds of times, I have made at least 3-5 visits to Bank of America XXXX XXXX XXXX in XXXX, TN. I have spoken with XXXX XXXX XXXX and he was very kind and helpful. I am trying to get my friends money that she sent returned to her. Bank of America has said that they are still investigating and it is under review. No one can tell me why the transaction was flagged, the reason, how long the review will last. I am very, very frustrated with Bank of Americas handling of this situation. Every time I have called I receive a different answer. It has now been going on 7 months and the funds are at Bank of America and are still frozen. I would like the funds to be returned to my friend with a cashiers check : XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX ( XXXX ) XXXX Or if Bank of America wants to return the funds to me with a cashiers check : XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Email : XXXX Thank you in advance for helping clear up this matter and obtaining the return of my funds. XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A