Date Received: 2023-03-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am writing to express my deep dissatisfaction and frustration with the way my recent banking issue has been handled by your institution. On XX/XX/XXXX and XXXX of XXXX, I received two XXXX payments- one for {$350.00} and the other for {$650.00}. As per standard practice, I asked the sender for proof of deposit and an ID picture, which I promptly received. On XX/XX/XXXX, without any prior notice or explanation, a hold of {$1000.00} was placed on my account. After 5 days of constant calling, I was informed that my funds were under investigation for fraud, and I was not provided with any information about the person making the fraudulent claim. It was only after persistent follow-ups that I was able to find out the name of the person making the claim, and provided all the evidence required to prove my innocence. Despite providing all the necessary evidence, I was repeatedly told that it might take 7 days, then 15 days, and finally 45 business days to resolve the issue. On XX/XX/XXXX, I received a call from your fraud department, stating that my account was going to be debited for {$1000.00} due to fraudulent activity. I was shocked and dismayed, as I had already provided all the evidence requested by your institution. I explained to the fraud department about all the companies and bank accounts I have had with Bank of America for the past 18 years, and showed them all the evidence required. However, despite my efforts, they simply apologized and stated that there was nothing they could do. I find it extremely hard to believe that a claim made three months after the transaction, despite being verified with a code on my phone, could be deemed valid. I have trusted XXXX and Bank of America with my funds, and I am deeply disappointed that my account has been debited without any clear explanation or solution. I urge you to investigate this issue thoroughly and refund the {$1000.00} back into my account as soon as possible. I hope that you will take immediate action to rectify this situation, and ensure that your customers are not subjected to such unfair treatment in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33323
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received two letters from Bank of America - saying I had been granted two new credit cards under my name. I did not apply for any credit cards. I contacted BofA and the accounts have been marked as fraud and closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94131
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed many unrecognized and unauthorized inquiries on my report. I have reached out to these creditors and no actions were taken as the unauthorized inquiries are still present on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I applied for MD XXXX XXXX in XX/XX/XXXX. I was issued a prepaid debit card with Bank of America with my benefits on it. The problem is that my account was unexpectedly frozen in XX/XX/XXXX. I called Bank of America but they were unhelpful. They said they did not know why my debit card account was frozen. They sent me a letter in the mail listing vague reasons why my account was frozen. I knew that there was some sort of error and tried to find out what had happened but the customer service representatives were completely unhelpful. They hung up on me, transferred me around for no good reason, they chewed food in my ear while I was talking to them. They lied about submitting forms to research my account. They lied about sending me a check in the mail for the balance of the account. They told me they would research my account and to call back in a few days when they had the answers. I called back after a few days and they said they did not know anything about the research request that I was told would be done. I called Bank of America dozens of times but they just hung up on me or lied about doing something on their end to fix the account. This did not just happen to me. Maryland was also frustrated with Bank of America 's customer service and cancelled the debit card contract with them. That caused all the debit cards to be cancelled, leaving people who received their unemployment benefits through a debit card wondering how they could get their funds. This did not just happen to me. This has happened to hundreds of thousands of people around the country since Bank of America was responsible for distributing unemployment benefits in 12 different states and it turned into a debacle. Bank of America made false promises to send me the balance of my prepaid debit card in the mail in the form of a check. I waited and waited for the check to come in the mail but it did not arrive. I then contacted XXXX XXXXXXXX XXXX office and his office was able to get Bank of America to send me the balance of my account in the mail via check in XX/XX/XXXX. I also received an email from the Department of Labor with a new case number. It is XXXX. I have had to borrow money from family and have not had my basic needs met over the last 18 months because of Bank of America. I have suffered every day emotionally and financially since they withheld the money from my account. That was my life savings. I was already hurting financially since I was on unemployment benefits and then to lose what little money I had was devastating. I was already in bad financial shape but they made it worse by confiscating my bank account without any justification or recourse to get it resolved. The fact that the only people who could help me with my account refused to do so left me in a bind. I did not know what was happening with my account since Bank of America did not know either. They refused to do even the most basic things like mail me a check for the balance of the account. They said that the only way they could give me the money from the debit card was to mail me a check then they did not do it. I had to contact XXXX XXXXXXXX XXXX office to get Bank of America to send me a check for the balance of the debit card. This happened in the middle of a national emergency which makes it even worse and the damage more severe. The fact that they would send a check out when XXXX XXXXXXXX XXXX office contacts them but not when I contact them shows that they just do not care about their customers. They continue to do this to people even in XX/XX/XXXX long after it was brought to their attention. Bank of America closed my personal checking account that I had with them because it was overdrawn. I could have paid my bills with the money I had on the MD debit card but Bank of America was withholding that money from me. This caused my personal checking account to be overdrawn and closed. This caused me to lose access to basic services and my accounts were closed at other companies. This has damaged my credit and is causing a cascading effect of financial damage to me. My car broke down and I was unable to get it repaired since I no longer had access to my MD unemployment benefits. I was unable to get basic repairs done on my home either since I lost access to my account. I was unable to seek employment either since I no longer had a car or drivers license. This was emotionally and financially devastating to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I communicated with Bank of America via certified mail on XXXXXXXXXXXX XXXX,2023 Bank of America did not responded on timely manner within 7 business days Attached find letter and documents sent to bank Referring to account, account number ending in XXXX Bank of America letter dated XXXXXXXX XXXX,2023 Bank of America copy of letter As per your letter dated XXXX XXXX,2023, referring to credit card number ending in XXXX Payments from XXXX XXXXXXXX XXXX account ending in XXXX .Find enclose letter I never had an account at XXXX XXXXXXXX XXXX ending in XXXX, find enclose. No payments, fraud payments about account XXXX, Im requesting a cancellation letter for account ending in XXXX No payments made never had account at XXXXXXXX XXXX XXXX thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33134
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: We pay off our credit card bill fully every month. We have autopayment to pay this credit card. 2 payments were taken and the bank refuses to send the other payment back in a timely manner. on XX/XX/2023, 2 payments of more than {$11000.00} ( {$22000.00} total ) were taken from our local bank to pay the credit card bill. the Bank, BoA, is saying that it could take 2 full months to return the money. We have called them and escalated the issue to supervisors with zero results. We need assistance to compel BoA to return our money. We do not understand why they can legally keep our money hostage for such a protracted time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98133
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XXXX I fell behind on my Bank of America credit card account and it went into collections. I paid the account in full in XX/XX/XXXX. Shortly thereafter the Bank of American credit card entry was removed entirely from all 3 reporting agencies. Now a year later, I received an alert that a new line of credit was reported by Bank of America. It is showing as a charge off paid in full ; however, instead of showing the original delinquency date in XXXX ; it is making it appear as if it was charged off in XXXX. Bank of America has in effect re-aged the debt. Instead of the debt dropping off my report based on the original XXXX delinquency date, they are using XXXX and added 5 years of impact to my report. This after deleting all of it a year ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97217
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: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I recieved an offer in XXXX from Bank of America for a credit card which had vague terms as to the interest rate to be charged with a huge interest rate range given which seems like deceptive advertising and the criteria were not explained clearly. I assume it was to be the 14.99 % since I had over XXXX credit score at the time and presently have over XXXX credit score. My last bill had an interest charge of over 20 % of the total which seems like the result of deceptive and vague terms not explained in the general terms. This has been charged for the past few months even though I've never missed any payments. This is untenable and frankly should be illegal usurious rate that is the result of deceptive and changing criteria. I am also taking this up with my state financial protection beaurau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 864XX
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: Managing an account
Subissue: Banking errors
Consumer Complaint: Sir/Madam On XXXX XX/XX/2023 I received my case was being defrauded but I still have not received a response from you even regarding that all reasonable time frame is over already. I would kindly ask you to let me know what stage my case is. Best regard XX/XX/2023 XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
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: 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 nor is it being made by 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 cardused my personal identifying information to apply for goods, services, or money ; and, wassuccessful in creating some account. I have no knowledge of this and all is beinginvestigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumerreports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11211
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A