Date Received: 2023-03-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My account was closed due to fraud. I am currently trying to get help with my banking account. Someone is impersonating me and had already made a claim for the illegal withdrawals that they committed. The person is following my to ATMs, Casinos, and department stores. I have filed complaints using my XXXX and XXXX email accounts. Both accounts have been compromised as well. Called XXXX, XXXX. Called XXXX, XXXX, XX/XX/XXXX. Ive been to the bank XX/XX/XXXX, and filed a report claim with the XXXX XXXX XXXX police department, report number XXXX and XXXX. I am also mailing the fraud reports to Bank of America and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63118
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a Bank of America credit card that earns cash rewards when I use it. I had enough rewards to pay my XXXX statement in full which was {$160.00} with the cash rewards earned. The bill was due on XX/XX/23. The cash rewards of {$160.00} was applied on XX/XX//23 leaving a XXXX balance. Just receive XXXX statement showing a late payment fee of {$25.00}. Called B of A to have the fee removed and they said that was the fee to use cash rewards for statement balance. Ultimately after much arguing they agreed to waive fee THIS TIME. This whole fiasco made no sense to me at all. By the way I pay my bill in full every month. What I dont understand is why I would have to pay a fee for cash rewards that I earned using their card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63026
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Bank of America EDD have been allowing my funds to be scanned off my card since XXXX I just found out the revolver in the scandal of XXXX XXXX but I didnt find out that till XXXX. Ive lost thousands of dollars dealing with Bank of America EDD Ive had accounts opened up in my name, that I had known dollar job I also had one of my accounts heard by XXXX XXXX XXXX officials for years Ive been driving back-and-forth with EDD and Bank of America right now they only XXXX {$200000.00} in benefits and over XXXX. XXXX has been transferred off of a card and they still wont give me that money back. They just keep on talking about how theyve came to a conclusion on my open case stating that I was supposed to get the money Im not arguing with you about supposed to get the money Im supposed to be being paid every two weeks Im XXXX and I got hurt on the job, what Im not supposed to be doing have you SMI transferring the money off my card and I told them that if I dont hear it is I want to press charges supposed to be zero liability and they still wont give me zero liability they had the nerve to tell me that they couldnt even update my address for over six months I had to get it sent over to my fraudulent baby mothers house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92404
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/XXXX I was alerted by XXXX that a fraudulent credit card application for an XXXX XXXX credit card had been submitted to Bank of America in my name. On XX/XX/XXXX I contacted Bank of America and alerted them to the fraudulent credit card application. I was assured that the hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. I contacted Bank of America in XX/XX/XXXX and XX/XX/XXXX about this and was told that the hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. As of today I have never received communication from Bank of America on this fraudulent credit application, and the hard inquiry remains on my XXXX credit report. Bank of America has violated the Fair Credit Reporting Act ( FCRA ) by not resolving this within 90 days, and so under the FCRA is civilly liable to me for " actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater '' ( 15 USC 1681n ( a ) ( 1 ) ( B ) ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I received a strange phone call from a company with the phone number XXXX. The gentleman XXXX was explaining to me that he was from some law offices that represented Bank Of America and that Bank Of America was trying to sue me because I had an outstanding credit card balance from like 10 years ago And I didnt know what he was talking about but it was interesting because he had all my information from my name to my date of birth to my Social Security my account number, and I kept asking him what he was talking about but he wasnt really that helpful. I called the bank back And when I spoke to one of the managers, I was told that they have no idea what I was talking about and that it sounded like this was a scammer. However, I did not share any of my information with them. I was just surprised that they had all my information, and that all my information was accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I XXXX XXXX, was fraudulently induced into sharing account access information to someone who was impersonating a Bank of America agent. On XX/XX/2023, I had received a text message from XXXX stating that a Bank of America fraud representative is trying to reach me. This person tricks me into believing that someone was trying to make a purchase for a French bulldog in XXXX, Georgia under my bank account. When they called, the caller ID appeared as " Bank of America '' with a spoofed Bank of America phone number ( XXXX ) To remedy the dilemma, I was instructed to send payments of the same amount via XXXX, and out of fear, I immediately obliged. I did the transaction twice, being tricked that both times I was sending money to myself. I was robbed of {$7000.00} on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06053
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In late XXXX, XXXX, I had a credit of {$.00} on my credit card account with Bank of America. I've had this credit for at least, 6 months. All of a sudden, the credit disappeared. I assumed, the money would be issued in form of a check or receive some correspondence of what happened to the credit. I contacted BofA ( XX/XX/XXXX ), to inquire what happened to the credit. The associate checked and verified that they did " not '' issue a check and attempted to research what actually happened. They could not explain what happened to the credit and would put in a request for it to be returned to the account. I called again ( XX/XX/XXXX ) and was told, it could take up to 10 business days for it to be returned to the account. I called again ( XX/XX/XXXX ) and was told, it will take up to 10 business days ( from today XX/XX/XXXX ) to receive a response by mail, to explain what happened to the credit. There are several things disturbing here : Why was it taken? Why is it taking so long to return the credit ( it's be more than 11 business days )? Why do I have to wait, for up to, another 10 business days for a written response? My concern is, this is a hidden business practice of " stealing '' money from unsuspecting customers and hoping they don't notice. I understand, this is a small amount of money but, if you multiply it by millions of customers, it can add up. It's the principle, not the amount of money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: i received a hard inquiry on my XXXX account from Bank of America. Bank of America, despite sending me an email on my account, could fine no information on an account for me. Since they had nothing, they could not issue the required letter to XXXX to remove the hard inquiry from my account. i am attaching the inquiry showing on my credit report and the email from Bank of America. I am amazed that a bank can send me an email but have no record of sending it or why the email was sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check from ma customer that have webster bank at XX/XX/2023. The day after XX/XX/2023 I tried to access my online account to check my founds and I got a message asking to call to Bank Of America customer support. I called the customer support, asking why my internet banking was not working and they told me that both of my business account, I had 2 business account, was in process of cancelation because a fraud suspect. Without no notices or explains they just closed my accounts, removed all access i had and blocked my debit cards and hold my founds. Firs time they told me to wait till XX/XX/2023 to get access for my founds, after that i got an email telling that the founds should be available at XX/XX/2023 and that does not happened. So, I called the customer support again, and one more time without get me any explains about what is going on they told me to wait 3 to 5 business days to have an answer about the founds. At this time I got frustrated and sent an email for a complaint channel that they have, XXXX : **Hello! I had my business account closed and nobody explains me why, that is just the first point. Now, after 10 days that I deposited a check about {$8000.00} on my account, the check got clear and the bank told me that I need to wait 3 to 10 business days to can get my money. So, I have a small business and {$8000.00} is a lot of money for me. I have material to buy, my customer house is all messed up and he can not wait 10 more days to get his house put together again. I have payroll to do, my employees can not wait 20 days to get a paycheck. I have quotes to do, my business can not wait 20 days to get new jobs. I have family to feed, a 21 months old daughter, my family can not stay 20 days without eat, I need to buy diapers for my daughter, formula, pay electrical and gas bills They can not wait 20 days to get paid. I need to pay my car, or they gon na get my car from me, and without car how I gon na work? Can you guys understand that is not about a bank rules? That is about a family life, that is about a business, my customers and employees. I know that I'm nothing for you guys, but that is not fair. ** They never answered my email... Today is XX/XX/2023 and they still don't have an answer for me, they still holding my founds and still asking for more time to get that solved. Basically I have my business stopped because that, I can't go find new customers, I can't buy any material to finish the jobs that I already have, I cant put gas in my truck, I'm going out of grocery in my house, My employee don't got paid, I'm getting calls every day from XXXX XXXX, XXXX, Credit Cards , and all bills that I should get paid. The bank that finances my truck already told me that if I don't pay my bill they will come get my truck. All my customers complaint about the delay to get the job done and about dont removing the construction debris from they house. I have my garage full of trash because I cant afford a dumpster. Well, basically they are putting me in a situation that is impossible to manage. Hope you guys can get me some help, because I tried everything else and Im feeling like nobody can help me and me, my wife and my XXXX old daughter will stay without eating till they get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02914
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023 I received a letter from Bank of America that an application for an XXXX XXXX XXXX XXXX credit card had been received in my name. This application was fraudulent On XX/XX/XXXX I contacted Bank of America and alerted them to the fraudulent credit card application. I was assured that the XX/XX/2023 hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. I contacted Bank of America in XX/XX/2023 about this and was told that the XX/XX/2023 hard inquiry would be removed from my XXXX credit report and that I would receive communication regarding Bank of America 's fraud investigation. These were false statements. I contacted XXXX credit reporting agency in XX/XX/2023 with a notarized affidavit of the identify theft that occurred on XX/XX/2023. They opened an investigation and contacted Bank of America regarding the fraud. According to XXXX, Bank of America indicated that the disputed credit inquiries were valid. These were false statements. As of today I have never received communication from Bank of America on this fraudulent credit application, and the XX/XX/2023 hard inquiry remains on my XXXX credit report. Bank of America has violated the Fair Credit Reporting Act ( FCRA ) by maintaining false information on my consumer credit report, and so under the FCRA is civilly liable to me for " actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater '' ( 15 USC 1681n ( a ) ( 1 ) ( B ) ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A