Date Received: 2023-04-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Bank of America prepaid debit card edd is saying that I gave someone authorization to use my card which isn't true and they won't send me proof when I said someone could use my card. Because I never gave permission for anybody to use my card. I have a couple of claims with bank of America prepaid debit card I told them my account was compromised and they don't want to approve my claim I don't want to sue them I just want my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
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: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I was alerted by a credit reporting agency that a new hard inquiry was on my account. I also received emails from Bank of America saying thank you for your application, your application has been approved and welcome to online and mobile banking. The emails were disturbing because I had placed a freeze and had locked all of the credit reporting agencies since someone had tried to open an account in XX/XX/2023 in my name. I phoned XXXX to ask about the alert I received and they told me to call Bank of America to ask if they had an application in my name. So I called Bank of America and they said yes there was an application in my name. ( After I had to give them personal information ) I explained that it wasn't me who initiated the application and they told me they would close the account and remove the hard inquiry. They wouldn't tell me what type of account it was because I didn't open it?! After I spoke to them I had new emails from Bank of America saying your digital debit card is here, and another one that said your digital debit card was recently viewed. My problem with the entire situation is why did Bank of America approve the account without reaching out to me for approval since I had my credit frozen and locked at all the reporting agencies since XXXX?! That is what is most disturbing to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08021
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: Money was not available when promised
Subissue:
Consumer Complaint: To whom it may concern, My name is XXXX XXXX XXXX @ XXXX. I reside in XXXX XXXX, CA and bank with Bank Of America. On XX/XX/2023, my brother from the XXXX wanted to send money to my bank account. I had called Bank of America customer service to ask which details I would need to provide to him so he can send it directly to my bank account. He asked if the money was going to be transferred internationally. I said yes. And so he provided me with instructions on which details to provide to my brother. I had specifically asked him Do I use my Routing and Account Number or do I have to use the Wire Transfer number? ( Since there were two options and I didnt know which to use ). And he had specifically told me that just my routing number and account number would be enough. So I did what was asked. And my money arrived within 3 days. However, fast forward to XX/XX/2023, my brother wanted to send me money again. Since the method of transferring it from the first time was successful, he had used the same process ( my bank account number + routing number ) to send me the amount of XXXX USD. And I waited for 3 days - the money did not show up. I waited for another week, thinking maybe it was delayed - money was not there in my bank acc. A month later- the money NEVER showed up in my account. While waiting that entire time, I had tried going calling the bank, even going to a branch and talking to the manager to see what was up- they kept saying nothing was showing on their end. The manager had told me that I was not supposed to use the routing number. And then I told her one of their bank reps SPECIFICALLY TOLD ME it was okay to use that number and I mentioned to her this was our second time using that same method and that the first time was sucessful. I asked her If the money showed up when we used this same method, why wont it show up this time? She had replied with ( her words exactly ) I know the first transfer was sucessful because Im seeing the transaction is reflected. But it should not have been successful in the first place ( since she said I should have used my wire transfer number instead ). I asked my team about this and we have no explanation as to why the money even showed up for the first transfer. We do not have a solution to this problem. So I then proceeded to ask So my money just disappeared into thin air then? and she said Yes. What kind of bank does this? They cant even take responsibility for this. My brother had also contacted his bank and they had said that the money has LEFT from their end and that it was now a problem from Bank of Americas side. His bank had tried contacting Bank of America to resolve this matter and there was absolutely NO RESPONSE from BOFA. To me, this looks very suspicious of BOFA. This is the amount of XXXX USD that just seemed to disappear into thin air that the bank takes no responsibility of. They keep saying that theres no money showing and that they cant do anything about this matter. They make it seem like it was my fault for not using the Wire Transfer number and that that was why the money is now showing up. When in reality, it was THEIR bank rep that had SPECIFICALLY told me it was OKAY to use my bank routing number and account number. So if this is the case, it is really THEIR fault for giving me wrong information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90034
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In the end of XX/XX/XXXX I received a phone call from Bank of America regarding a requested reimbursement of a bill payment on my account and if it I had made the request. I informed BoA that I had never made any such request. BoA immediately informed me that the account had been hacked and that fraud was committed regarding my account. BOA immediately closed that card number down and advised that a new card will be in the mail soon. On my charge card statement due on XXXX XXXX for charges from XX/XX/XXXX - XX/XX/XXXX, I noticed two unusual, large charges listed as payment adjustments. I immediately contacted BoA and was informed that they had processed ( 2 ) reimbursement of payments. On XX/XX/XXXX, Bank of America added {$2900.00} to my charge account claiming that I had requested a reimbursement for my payment made in XXXX. On XX/XX/XXXX, they added {$1100.00} to my account again claiming I requested a reimbursement of my payment from XXXX. I informed them that I did not ask for any reimbursements nor did I receive any funds. After multiple calls over a couple of months and many different departments, it was finally resolved. When resolved, they informed me that they could not credit my credit card account for the charges but instead had to reimburse my bank checking account for the disputed amount. When I questioned additional interest charges because of these fraudulent charges, they assured all of them would be credited. On the statement immediately following my reimbursement to my checking amount from BoA, I paid them the full previously disputed amount. Prior to that statement, I paid for all legitimate charges in full but was told not to pay for the disputed amount or the subsequent interest charges. On that statement, I was charged {$20.00} interest which was eventually refunded on XX/XX/XXXX. On the statement dated XX/XX/XXXX, I was charged an additional interest charge of {$39.00}. I have continued to pay my bill in full for all actual charges, so this additional interest is based on the fraudulent reimbursement. I immediately contacted BoA and disputed the interest charges that I was previously told would be credited when the fraud was resolved. After many calls, BoA denied my dispute and will not take those interest charges off my bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01201
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The following accounts and their respective creditors are in direct violation of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Bank of America Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX Acct No. : XXXX XXXX XXXX XXXX Acct No. : XXXX Below are the following US Code violations these entities have committed. 16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show this bank is in direct violation. As Ive yet to be contacted via phone by any of these entities and they continue to report fraudulent accounts to my consumer file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
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: On XX/XX/XXXX I received an email from Bank of America saying " Welcome to Online Banking. '' I do not have an account with BoA and never signed up for one. I called BoA 's fraud department that day and learned that an application was in process in my name using an old address from 10 years ago. I was transferred to the Application Department, which said they didn't see an account using my name or social security number ( conflicting with the fraud department ). They then transferred me to the credit application department, which also said they did not see any applications in process. On XX/XX/XXXX I received emails saying that my application was approved and an account was now open. The account type is the " Bank of America Advantage SafeBalance Banking. '' I called the fraud line again and they said they closed the account ( though I have not received confirmation yet that it is in fact closed ). I also received an email on XX/XX/XXXX stating another application was in process. The fraud department again said I need to speak to the Applications Department, which is closed today, in order to cancel the application. BoA allowed a checking account to be open using an old address. My identity was not verified using a physical form of ID to open the account, nor was my current address used. They were not effective at cancelling the application when I called the first time, causing the account to be opened. Now another application is in process, yet the department I need to call is closed today. These are unsafe business practices and I believe the bank needs to raise the bar to open an account. I have seen several other descriptions on forums of this same thing happening to others where the same account type " Advantage SafeBalance '' was fraudulently opened using an old mailing address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Please remove the account from my file : BANK OF AMERICA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: At XXXX on XX/XX/XXXX, my father and I went to the Bank of America branch to withdraw a cashier 's check $ XXXXWe were met with unreasonable demands from bank XXXX XXXX 's induced questioning and bank manager XXXX XXXX! same time I called Bank of America to complain ! The end result was that all of our family 's Bank of America accounts were closed on XX/XX/XXXX cant withdraw money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92618
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear Bank of America NA, My claim, {$6000.00} was reopened up after submitted an additional information on XXXX/XXXX/2023 XXXX/2023 It closes back on XX/XX//2023. This claim is similar to claim # XXXX and claim # XXXX where it was favored to me. It sent out a resolution letter, saying that, they re-evaluated within one business day, usually it takes up 10 business day. 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: XXXXX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Unauthorized purchases totaling { {$30000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XX/XX/XXXX of XXXX. On XX/XX/XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XX/XX/XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within 10 days of me filing a dispute.There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their XXXX benefits. They tried to tell me I have to confirm my identity after I just got the new card because I wrote the company my phone died talking to escalations they made it very hard to place the claim a XXXX XXXX finally came in the mail today and I dont want to activate it online due to not getting it last time and last time somehow it was activated and used its been mail theft and internet theft in my area and Im pretty sure this is what happened, I have the new card and still cant get help, this is due to me telling them I contacted the Cfpb about true matter l they asked me to verify myself due to not having a card this is pretty crazy I got the card now still attached in the envelope. I been going through XXXX for the last 3 years trying to figure out why I cant get help please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A