Date Received: 2023-03-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Bank of America for Denial of Fraudulent Charge Claim Dear Sir/Madam, I am writing to file a complaint against Bank of America for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Bank of America denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. The fraudulent transactions occurred on XXXX XXXX, 2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges is {$1300.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. According to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Bank of America, have a zero-liability policy for fraudulent charges. Despite this legal protection, Bank of America denied my claim and decided to remove the temporary credits applied to my account. I kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Bank of America. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy. Please find the attached documents, including the list of fraudulent transactions and the letter I received from Bank of America, for your reference. Please note that in my attached documents I have provided account numbers. None of these account numbers are still active, so this information may be shared. I am willing to provide any additional information or evidence required to support my complaint. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Ive had this credit card for three years and always paid on time. My credit limit is still sitting at a {$500.00} limit and thats ridiculous after three years!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XXXX XXXX a bank account was opened on Bank of America the accounts were 2 checking accounts. No money was in the accounts. ON XXXX XXXX I approach to a Bank of America about the accounts and report it as a fraud, the same day i went to my local police station to make a police report XXXX in XXXX XXXX NJ XXXX. The concert from the accounts it was open with my old last name, I legally changed my last name at the Superior court of New Jersey on XX/XX/2019 and the account had my old information where I used to live 7 years ago. I'm in concert due I'm continue to be expose and damage my credit, thanks for your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07006
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX cell XXXX work RE : XXXX XXXX XXXX XXXX File Number : XXXX I am requesting that the above matter be looked into. As of XX/XX/XXXX the above loan was paid off in the amount of {$47000.00} The above credit line mortgage was taken out in XXXX of XXXX with Countrywide Mortgage, at that time we only used {$17000.00} of a {$40000.00} credit line mortgage. Due to the recession in XXXX I did not pay the credit line mortgage and in XXXX was advised I could no longer access the account. We filed bankruptcy in XXXX and eventually were able to modify our first mortgage with Countrywide which at that time was taken over by Bank of America and the credit line mortgage we did not hear anything about. In XXXX the credit line mortgage was sold to XXXX which became XXXX which is now New Rez Financial which in XXXX the loan was sold to XXXX XXXX XXXX. We only know this after contacting each of these companies to find out how much interest was accrued on this loan as we paid {$47000.00} to XXXX XXXX XXXX to pay this loan when we sold our home last year. I was also advised from each lender that when the loan was transferred so are all of the records on the loan. Through all the years we never received anything except one letter from XXXX XXXX that took over the loan but no statements or anything. I contacted XXXX XXXX XXXX several times in the past week to find out how much interest we paid on this loan and was advised no interest was paid. That can not be possible as there is not XXXX lender that does not charge interest on any loan that is taken out and also we would like to see proof of how much of the equity line was accessed since we only accessed {$17000.00} of {$40000.00} and no one can tell me that either. I am filing this complaint today because not one of these lenders can provide me with any information on this other than that it was transferred to this lender and they would have the records and I hear the same from each lender I contact regarding this matter I believe that none of the above lenders have my original documents which is very troubling. As an end note I am wondering what happened to the XXXX XXXX dollar escrow fund set up to assist borrowers who took out equity line of credit mortgages with XXXX XXXX XXXX during the banking collapse. Thank you for cooperation and courtesies in helping us with this matter. Please contact me if you need any further information regarding this matter either by phone XXXX to XXXX at XXXX or after XXXX XXXX at XXXX or by email XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 125XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have tried repeatedly to close my husband 's accounts with Bank of America I have submitted paperwork from the court I have submitted their paperwork and still I have not received the funds from the checking and savings might I add has got no interest in over a year now even one penny. Not only is this outrageous it's unacceptable. I am asking them to close the account and send me my funds. This is the fourth time I've had to address this and Bank of America is more unreasonable than they were on day one. Their banking practices are horrendous. All I'm asking is for them to send me a check for the savings and checking and close the accounts per the court. There is no other excuse for the delay I want my money and I'm still waiting their last response was so ridiculous it's laughable. They need to explain why no interest has accrued it on either account for over a year because this to me seems like theft on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06118
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Problem with customer service
Subissue:
Consumer Complaint: This is an exact copy of an email I sent to a higher up within Bank of America, please do not think I am talking about you! : On XX/XX/XXXX, I ordered {$210.00} worth of Great Britain Pounds and {$210.00} worth of European Euros, with additional fees for each currency. I subsequently obtained the money from the XXXX XXXX XXXX, XXXX CA, location on XX/XX/XXXX ; on the day I received the currency, there were no altercations, situations, or issues with what I collected. The tellers verified my identity and the amount of money within the envelope, so we traveled back home thinking all was well. However, on the day that this message is written, XX/XX/XXXX, I received a grand total of 4 calls from specific Bank of America employees demanding that I return the currency I collected on XX/XX/XXXX because it was not supposed to be issued to me. These four calls all happened in subsequent fashion, one hour after the last, whilst I was at work. Due to my working status during the time at which the calls took place, I was unable to verify whether or not the bills I was issued on XX/XX/XXXX were indeed the bills I was supposed to collect. I did not delay resolving the matter out of ill intention, but rather a commitment to my place of employment ; I am unable to leave my workplace whenever I feel the need to, therefore I could not have possibly been able to verify the information the callers were asking of me at the time the calls were made. After explaining my current situation to the employee, named XXXX, sending the first call, I was continuously harassed by your workforce to strongarm me into returning the money at the very instant they requested. Not only did they speak in a harsh tone, but they resorted to pressuring me into dilemmas not appropriate for conflict resolution. All four calls carried the same message, that I was the one who had collected the money whilst knowing it was not intended for me ; that can not be further from the truth. The envelope that I received the money in on XX/XX/XXXX had no markings of identification ( no names, addresses, social security numbers, nothing ). As stated before, I bespoke and verified my identity with the tellers and they proceeded to grant me with the pounds/euros I collected on that day with zero issue. The only way in which the money could have landed in the wrong hands is if the teller mistakenly grants the customer the wrong parcel of currency ; as I said before, in the form that the money was given to me ( envelope ), I had no way of checking that the money was indeed for me. Due to these circumstances, I fail to see how this was a fault of my own, and not one of the tellers for giving me the incorrect bills. Upon intensely explaining this fact to your employees calling me on the phone, I was met with even more accusations of theft and fraud. To say that I felt berated by their instructions would be an understatement, that is no way to speak to a customer of over 25 years no matter the situation at hand. I am collecting these forms of currency because my son is planning to take a trip overseas with some of his classmates, one of which being the intended party for the currency I collected on XX/XX/XXXX. This classmates family ordered their own forms of currency and they arrived at the XXXX XXXX XXXX location on XX/XX/XXXX, giving them 11 days from that date to collect the pounds and euros. However, upon speaking to the intended recipient, I found out that when they arrived at the bank on XX/XX/XXXX, the tellers told them that since he did not pick up the currency on XX/XX/XXXX ( well before the allotted 11 days time ), they returned the money and it was now gone. In short, the tellers lied to them in order to cover up for their mistake in giving their money to me when I collected it on XX/XX/XXXX ; the tellers, in no fashion, told the intended party the truth about the fate of the currency they ordered. In addition to this grievance, within an invoice hastily included alongside the envelope, is all of the intended partys private, sensitive information. If I were truly a bad actor, I could have utilized this information to extract even more money from these individuals. However, since I had no reason to suspect that I was given the incorrect parcel of currency, I did not open the envelope containing the bills. I did not want to misplace them in any way until the trip is set to begin, therefore I did not catch this invoice inside of the envelope until your employees angrily demanded I verify whether or not the money was mine. I have a searing question in regards to this aspect of the situation, isnt the normal due process and diligence in leaking an individuals private information to tell them that said info has been revealed? On XX/XX/XXXX, when the intended party arrived at the bank, the tellers spoke nothing of this information discrepancy, even when they realized that they had made a critical mistake. Not only have your employees concealed the true impacts of this issue from the intended recipient, but they have also strained my mental well-being throughout the day to get this sorted out. As Ive said before, Ive been a customer of your band for an extraneous amount of time. I want to get this issue resolved as soon as possible, but there is no need for your employees to treat and accuse me in such a terrible fashion. Not only do I feel intensely attacked, but that my time has been wasted on something that should have been handled internally by your staff ( since it was entirely their mistake ) and not have to be done through aggravating phone conversations with callers that do not care to listen. I appreciate any assistance you can grant towards resolving this issue. End of email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93307
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: In XX/XX/XXXX when preparing to buy my first house, I discovered that my estranged father fraudulently opened a credit Bank of America credit card listing me as a co-borrower without my knowledge or consent ( or BoA made an error ) in XX/XX/XXXX when I was a minor ( age XXXX ). He has continued to use this card with me as a co-borrower, and it is now maxed out at $ XXXX. I have attached the XXXX dispute XXXX " resolution '' letter ; I could not find or obtain copies from the other two bureaus. I have also filed the attached FTC Identity Theft report XXXX. I have attached CFPB complaint XXXX against Bank of America where they just closed the complaint, told the CFPB not to give me any details on BoA 's " resolution '', and then failed to respond to my complaint at all for over three weeks. It was not until today when the BoA XXXX department put me in contact with the XXXX department that I learned that BoA refused to take me off the card despite the fraudulent origins.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98685
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Okay, I got scammed by a business man that found me on XXXX I was on these groups ( that i have now been kicked out of ), that would basically help you make money ( I thought legally ). This guy had sent me a message, saying that he just wanted to help me make easy and safe money, and that there were absolutely NO risks whatsoever, regarding any sort of legal action. He told me I wouldnt get in trouble and he was just trying to help me make money because i told him how Ive been struggling. I eventually gave him access to my bank account ( user name and password ), i THOUGHT everything was fine. He deposited a check for me, saying that he was just trying to help me, and that there was nothing to worry about for me. He said the check would go through and i would be fine he was just trying to help me make a quick buck. He had been communicating with me throughout the whole process and then all of the sudden things started going down. He started making authorizations that i didnt approve because i gave him by PIN number. I also found out that he made some sort of claims that I didnt approve ( and I still dont know why ), he put money in my account and I sent it back to home because its not mine. I told him how I was uncomfortable and how I couldnt access my account anymore and he said everything was fine. I called my bank not thinking anything of it, but they literally restricted my account making me lose access. WHICH I DIDNT KNOW ABOUT. Then they told me theres nothing they can do. They didnt even tell me how to file a claim or anything to get help. I was trying to fix the proble, because I got scammed. This wasnt my doing, and I wanted my account back. Then they cancelled my cards my account, and said they would just be sending the money through check to me. So this is my plead on getting my account back please. I didnt think I did anything wrong. I lied to the lady and told her I approved the transactions, but when she told me the check wasnt real I got scared. I told her I didnt do it. But its like she didnt wan na lose it. I just turned XXXX, and I didnt know better, Ive never gotten scammed and I didnt think I was. I wasnt doing anything illegal. I just thought someone was genuinely trying to help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Not card # in this report, unknown new card #. Bank of America approved credit under my name, checked my credit report from Texas but approved travel credit card for someone in XXXX MA, I live in Texas, yet emailed to me in Texas at my existing address. I've had an account with Bank account with them for 30 years. Got notice of application, contacted Bank of Am on a lengthy call, they denied that an application was pending. 2 weeks later, got notice that a credit card was being mailed, called again, after a lengthy call, Got fraud control dept. They validated that a new account in my name was opened. They used my credit report from a Texas address to approve a credit card in my name to XXXX MA. This is unacceptable and sloppy bamking, it has caused me horrible stress, and it has been grossly time consuming trying to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 775XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/23 I got an email from Bank of America to confirm my email. I ignored it because I do not have an account with them. Today on XX/XX/23 I got a text saying my card was approved and will be sent out. I called Bank of America who said they will cancel it and no transactions have been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A