Date Received: 2023-03-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On or about XX/XX/2023, I made a purchase from XXXX XXXX in the amount of {$590.00} to be split into three payments of {$190.00} each onto my bank debit card. XXXX XXXX explained that I was purchasing a marketing system and I was thrilled about my purchase until XX/XX/XXXX when I was contacted by phone and text by one of his staff members, XXXX because he said that what I purchased would not guarantee my success. At that point, I felt as though I been scammed and was very discouraged and then I received a phone call from another member from his team and his name was XXXX XXXX. I explained to him that I did not want to continue with the program due to XXXX 's comments and I shared with him that I was extremely disappointed. XXXX said that XXXX made a mistake but I obviously did not believe him and I never utilized anything of the web information that was emailed to me because I felt as though I had been scammed and I told XXXX that I wanted to cancel and he kept telling me that he was going to send me some special package that I never received and I told him that I just wanted to cancel and he never responded after that again. XXXX XXXX charged my debit card twice in the amount of {$190.00} on XX/XX/XXXX and again on XX/XX/XXXX and Bank of America only provided provisional credit for the first charge because they are saying that this a fraudulent claim and doesn't fall under Regulation E. I spoke with them to file the original claim for both charges on XX/XX/2023 and they told me that there wasn't a specific time frame that they were required to follow for the claim process. I asked them what government entity regulated the bank regarding the handling of these types of claims and they said that they did not know and was not very helpful at all. They said that I was not entitled to a provisional credit for the second debit for the charge on XX/XX/XXXX because it didnt fall under Regulation E. I have been a bank customer for over 28 years and they have always treated so very poorly and I am going to take my business elsewhere very soon because I am tired of this treatment.
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: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I processed a payment through on-line bill pay with Bank of America through my small business checking account. The payment was to pay a vendor I have done business with many times. Pay to : XXXX XXXX XXXX Scheduled Payment Date : XX/XX/2022 Amount : {$2700.00} XXXX XXXX XXXX never received the paper check that was processed by Bank of America. Someone stole it out of the mail, forged the check, and cashed it. Per my request, Bank of America sent me a copy of the cashed check with the forged signature. It was cashed on XX/XX/2022 and signed by someone who has no affiliation with XXXX XXXX XXXX Initial Claim number with Bank of America : XXXX The first claim was processed on XX/XX/2022. On XX/XX/2022, I received a letter that Bank of America denied the claim because the transaction in question was completed using a device that is consistent with previous valid account activity. '' How the payment was generated was not the issue. The issue is that someone stole the check and cashed it. Upon receipt of the claim denial, I called Bank of America again and they started a new " case '' under XXXX XXXX XXXX. XXXX XXXX XXXX had to fill out paperwork and have it notarized to confirm they did not receive the funds which was done in a timely manner. The only update I get is that Bank of America is in the process of researching the issue, and they are waiting for " XXXX XXXX XXXX XXXX '' to respond. Bank of America has been giving me the run around on this since XXXX XXXX. I have spoken to XXXX in Texas, XXXX in Texas, XXXX in Florida, XXXX in Georgia, XXXX with the XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX in Florida again as well as numerous correspondence requests through email. I have made over 20 contacts with Bank of America and nobody will take ownership of this and get the issue resolved. I would like my {$2700.00} put back into my business checking account. Bank of America 's complete lack of service and follow through on this issue has been beyond frustrating. Thank you in Advance for your help with this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60013
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Overpaid my credit card almost {$1000.00} on XX/XX/XXXX and called customer service on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and today XX/XX/XXXX. I immediately requested a refund when I realized I overpaid the amount from my BOA DEBIT CARD TO MY BOA CREDIT CARD. At first I was really understanding and I would have been if they didnt waste more of my time and kept lying to me saying I would get a refund in XXXX days and then a month and then two statement cycles and then XX/XX/XXXX. Im just over it. I told them I would get all my money and transfer to chase after they refund my money. The guy on the phone who I spoke with today couldnt even give me a date on when I would be getting my money refunded to my debit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Was alerted through XXXX on XX/XX/23 that there was a hard inquiry to my credit report. Checked and sent that Bank of America had ran a credit check. I have no knowledge, did not provide consent, nor do I do any business with Bank of America. I immediately contacted Bank of America and spoke with XXXX who confirmed that someone filed an application using my stolen information for a XXXX XXXX XXXX. I advised XXXX that it definitely was not me and she went through the steps to dispute it on Bank of America end. I contacted all 3 credit bureaus to start the dispute process to remove the hard inquiry. This is gross negligence on Bank of America side knowing that the XXXX XXXX XXXX is a well known scamming system that steals people 's identity to fraudulently open credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I received a hard credit alert from my banking institution from Bank of America claim # : XXXX. I have contacted all ( 3 ) credit agencies in this regard ; they provided me your website to file w/ you as well to expedite/complete the process on their end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: After verifying my identification through XXXX and notifying me of my eligibility, the California XXXX enrolled me into the XXXX extended federal unemployment benefits program and the funds were loaded onto a Bank of America issued prepaid debit card until the extension ended XX/XX/2021. The XXXX notified Bank of America that my Unemployment Claim was exhausted thereby closing my account. As a result, the remaining balance on the debit card can not be accessed. Allegedly either the bank or the XXXX closed my account for fraud on XX/XX/2021, well past the time Bank of America told me my account was frozen on XX/XX/2021. There is no valid reason to restrict access to the funds which I'd been determined eligible before this confusion.The XXXX has contacted Bank of America on my behalf and the issue remains unresolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Bank of America - primary mortgage and XXXX XXXX XXXX line of credit from XXXX thru XXXX - Both banks negotiated payments to avoid foreclosure with my ex-spouse only. I was left out of all communications even though I called both banks on multiple occasions. This caused extended delays, emotional distress around divorce proceedings because all was stalled by my ex in bankruptcy court divorce court said they couldnt do anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91106
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing to file a complaint against Bank of America for failure to respond to my dispute within the 30-day period as required by law. My attempts to resolve inaccuracies on my credit report have been ignored by Bank of America, and I am now seeking your assistance to address this issue. On XX/XX/, I sent a dispute letter to Bank of America requesting a correction of information that appears on my XXXX, XXXX, and XXXX consumer report. The dispute was related to inaccuracies surrounding the payment history and bankruptcy comment. I had hoped that my dispute would receive prompt attention and resolution from Bank of America. However, after several weeks, I have yet to receive any response or communication from the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Back in XX/XX/2023, I added my wife as authorized used on my Bank of America visa credit card. Bank of America sent a new credit card on my wife 's name ( with same Credit card no and other details ). Now this card was stolen from my mailbox in my apartment. I never received the card. After few days I realized that my credit card has been misused when I checked my statement. I could see fraudulent charges to the tune on {$1500.00}. I immediately called and reported this fraud transactions to Bank of America and they opened a claim. Initially they provided the credit back in my card account but then they rolled it back and denied my claim quoting that I have used the card in person using pin. I reopened the claim and told them that this is incorrect and that I have never received the card in first place. I even went to Bank of America nearest branch but their representative told me the only option is to call them and they can not help. It has been more than 4 months and I have called them several time but Bank has not honored my claim and not doing anything to resolve it. It is lying in research status since then. Please check the attachment. I am long time customer for them and never delayed paying my card bills. Finally I have no option to open this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94566
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My account was frozen by Bank of America and they stated that I needed to contact federal trade commission in reference to the hold on their account. The agent then stated that it was a federal order for XXXX XXXX and they will hold every XXXX that comes into the account until they reach {$38000.00} that XXXX XXXX is requesting. I explain to them that Ive had issues with this company four years ago and I switched banks because they allow them to garnish my account before now I am stuck with no money because bank of America is upholding this company with fraudulent phone numbers
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29170
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A