Date Received: 2023-03-28
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: My checking account was breached and someone is trying to open up a credit card at Bank of America with my name and social security card. They also submitted a request for new ATM and Debit card on my sons account with my name on it. I got an alert that an inquiry was made by Bank of America but because I had recently put a freeze on my credit it was blocked by XXXX. We notified fraud department today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01867
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2023 I received a check in the amount of {$2500.00} from the California state Controllers Office, which I received as I was a recipient of the XXXX XXXX education and training grant program. I deposited that check via the Bank of America app the same day on XX/XX/2023. XXXX XX/XX/XXXX I was notified that there will be a hold on the deposited check and the hold would be released and funds available on XX/XX/2023. On XX/XX/XXXX Bank of America sent me a letter that explain that they decided to close my account, which was because of suspicious activity related to the {$2500.00} check deposit. They claim that the check was invalid, and that I committed fraud. Bank of America finalized my account closure on XX/XX/2023. My balance is over {$2200.00} but Bank of America is claiming that the {$2500.00} check was deemed invalid and fraudulent, and therefore Bank of America will not be giving me the rest of my funds in my account. I contacted the California state controllers office, and they verified to me that the check was indeed cashed. The check is legitimate, and I have provided many alternatives to verify the check including providing documentation of me being awarded, physical copy of the check, the California State Controllers Office ( which is the agency that issued me the check ) to no avail of resolving the problem. Bank of America is illegally withholding, my money, and I demand that my money be given to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Bank of America credit card XXXX XXXX XXXX XXXX fraudulently charged me " late '' fee of {$2.00} even though I paid them {$230.00} as required under their statement. See attched statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 781XX
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: 2023-03-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Bank of America sent email that I need to unfreeze my credit to get a credit card I did not apply for XXXX time a card was issued for me and my spouse.. XXXX time in 3 months Telephone number on email does not answer My credit is on freeze because of this activity by BOA Bad business practice Bank of America
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX they placed my account under refview and will not give me any information. They did not notify they were putting my account on hold and froze my account and i did not find out until i went to make a purchase on XX/XX/XXXX. I have escalated multiple times and they accepted my paycheck but wont give me the money. I have a active XXXX XXXX case and they are in violation of the automatic stay by not releasing my funds. I want my funds sent to me and the account closed. I am fine if they dont want my business but they are holding my funds XXXX. I have {$2400.00} showing available but they are keeping it XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60538
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I am extremely frustrated and disappointed to inform you that someone has opened an account using my personal information on Bank of America, and attempted to do the same at XXXX XXXX and XXXX. This is a clear case of fraud and identity theft, and it has caused me a great deal of stress and financial harm. This fraudulent activity has already had a negative impact on my credit score and financial stability, and I refuse to suffer any further losses or damages as a result of this criminal act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Pease refer previous complaint ID : XXXX for more details. Please DO NOT close the case This is regarding my money being stolen from Bank of America online ( via BILL PAYMENT ). this is reference ( XXXX ) to BOFA company asked here is information : XX/XX/XXXX : Again BOFA requested : In the event you are able to provide proof of malware from your internet provider or mobile phone carrier, the claim may be re-opened for review. XX/XX/XXXX : I called XXXX internet provider customer service on the phone, they confirmed-NO breach happened at that time. they are not sure how I was hacked. Please do reconsider the claim, as you know history : On XX/XX/XXXX When I noticed XXXX pending transactions trying to post against my account. I contacted the bank immediately XXXX went to XXXX , md police satiation and filed a case related to the same thing ( XX/XX/XXXX, XXXX received a police report as supporting documentation ) XX/XX/XXXX : I Sent XXXX XXXX cell phone provider transaction copy ( as BOFA requested ) . XX/XX/XXXX : Again, the BOFA investigating officer called me and inquired about laptop window security/Defender/malware/version.etc and He told me to get back to me. XX/XX/XXXX : Again, BOFA fraud dpmt requested to provide support document saying that My computer hacked, or malware got affected from XXXX XXXX ( diagnosis system ) XX/XX/XXXX : I went to XXXX XXXX center, XXXX, MD XXXX XXXX XXXX said that since the unit has been reset a report would not be possible as the unit was already cleaned by the full system reset to factory settings that was suggested by bank of America at the time of the process ( on the call on XX/XX/XXXX ). So even if I hadnt reset my laptop, XXXX XXXX informed me that they would not have been able to produce a report as it happened a couple of months ago and XXXX periodic updates would run in meantime, would have removed the detected security issues. So please help on this, seeking assistance in getting the funds returned. CLAIM # XXXX BUSINESS NAME : XXXX XXXX XXXX LAST XXXX DIGITS OF ACCOUNT # XXXX POLICE REPORT # XXXX Office of the Comptroller of the Currency / Case number : XXXX Thanks & regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX, 2023 : I ( complainant ) contacted Bank of America ( BOA ) for a pre-approval letter for a mortage. I spoke with XXXX XXXX ( XXXX XXXX : XXXX ). XXXX XXXX, 2023 : Complainant submitted all information for pre-approval process via the BOA online portal. This included assets, income, and demographic information requested. XXXX XXXX, 2023 : Was made aware that based on the information provided in the pre-approval loan application that we were not eligible for the intended program ( for XXXX and XXXX communities ) based on one of the credit scores of one of the applicants. XXXX from BOA informed us of another option, which was the XXXX XXXX XXXX program that we would qualify for based on the information provided. This program required us to take a five hour class, submit a monthly budget to a HUD counselor, and have a counseling call to discuss the feasibility of purchasing a home with that counselor. Because this was our only option, we agreed. XXXX XXXX, 2023 : XXXX forwarded us a list of approved providers in the XXXX area and we signed up for a HUD Class through XXXXXXXX XXXX XXXX. Needed to re-arrange our schedule and get pre-approved time off work because of the timing of the class. XX/XX/2023 : Both my significant other and I took the 5 hour class via zoom. We received certificates of completion the next day from XXXX XXXX XXXX and were instructed to sign up for a counseling session with a HUD counselor. Before scheduling the session, we needed to submit a monthly budget and authorization forms for our credit to be pulled and discussed to during the meeting. All of which we did. XX/XX/2023 : Completed the counseling session with XXXX XXXX ( HUD Counselor ). During this session, XXXX did not express any concerns about my credit report or anything noted in it. We went through the XXXX open accounts. XXXX, did however, express concern for two of the items on my partners credit report. He stated that he would not be able to provide a certificate of completion for the program until we took care of both of those issues with XXXX and XXXX. XX/XX/2023 : As instructed, we paid off over {$20000.00} in debt from XXXX XXXX XXXX years ago and sent the proof over to XXXX. XXXX then provided us with certificates from HUD for completing the program, as instructed, so that it could be used for pre-approval in our home buying process. XX/XX/2023 : I submitted our certificates of completion to XXXX from BOA via email to review. XX/XX/2023 : XXXX informed me that between my partner and I, we made too much money to qualify for the program he originally pointed us to ( something he knew from the beginning by having access to our application ). Frustrated, I asked about other options and he stated that because of the amount of money that I take home, we could try getting pre-approved with just me. I asked to move forward with that process. XX/XX/2023 : XXXX informed me that the late 30-day and 60-day late payment on my account from XXXX XXXX is a deterrent for approval. I then informed him that the payment was late because I was in and out of the hospital and XXXX, so was not able to pay any of my bills. He said he would submit to a senior manager for review and an exception. He did not take any other additional information at that time ( no dates of XXXX medical bills, decreased income based on medical issues, etc. ) XX/XX/2023 : XXXX called me to inform me that the Senior Manager did not approve my request. He stated that we could send the information to the underwriter for review but it would take about XXXX - XXXX weeks. Based on the information we were given, we started the process a month before we needed an answer, and we don't have two weeks because we need to give our current landlord a 60-day notice to vacate because our lease is up XX/XX/XXXX. My issues are as follows : - Lack of training on the end of BOA. XXXX had our information from the beginning, and since we did not qualify for the XXXX XXXX XXXX XXXX, we never should have been pointed in that direction, and were given incorrect information. - There is MAJOR disconnect between HUD and BOA for a program they claim helps disenfranchised people get into homes. Our HUD counselor saw no issue with my late payment, which I spent over an hour going through the same credit report that BOA is using. - No clear process. There is no clear process laid out for the programs available, only further disenfranchising people that are already marginalized. We spent XXXX hours, took time off work, and paid over {$2000.00} in debt, all in the name of some arbitrary process is unclear and mucky at best. BOA is taking advantage of people, not training their staff properly, mis-leading customers in a way that is causing future financial harm. Their business practices are causing inequity amongst disenfranchised people and their lack of clarity regarding their process in causing customers to be treated unfairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: The bank converted my credit card statements from paper to electronic without my consent. I was charged {$610.00} in interest from BofA on my credit card cash advance. and had the bank not done this, I would have been able to monitor the APR expiration date. I like to get my papers statements to see what is going on with my accounts. On XX/XX/XXXX, I paid of my card to avoid any more interest charged on this account.. This is an unfair and deceptive practice of the bank to convert someone from paper to electronic statements without consent. I'm requsting the bank as a courtesy to reimburse the interest charged of {$610.00}. Thank You XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited a check for XXXX in XX/XX/2022, my account was immediately closed and to this day the funds from that check have not been returned to me. even if they took it away from my client. It has called many times to banck of America but they have not solved the problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78227
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A