Date Received: 2024-02-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I ordered clothing to try out and send back. I did not like the clothing, so I returned it within the time required, but the company charged me anyway and now refused to refund my money, even though they received he clothing back. I disputed the transaction with Bank of America, who refused to refund the money that was stolen from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33510
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: on XX/XX/23 I initiated an {$80000.00} Electronic Funds Transfer ( EFT ) from my account at XXXX XXXX XXXX ( NFS ) intended for my account at Bank of America ( BoA ), however, I transposed two digits of my BoA account number, Bank of America received and deposited the funds into the wrong account number provided failing to match the account number and my account name provided. A few days post transfer, I notified BoA of their error and missing funds and XXXX promptly filed a reclaim with Bank of America. Bank of America informed me the account holder who received the mistaken funds closed the account on XX/XX/23 and was issued a cashier 's check. Bank of America claims no responsibility to match account name and number when receiving EFTs and declined to return funds nor to pursue a fraud claim vs the account holder and directed me to file an FBI report which I did. my account number at Bank of America is XXXX, the account number the funds were transferred to was XXXX. Bank of America routing number for electronic transfers is XXXX. My account officer at BoA ( XXXX XXXX, XXXX, XXXX ) encouraged me to pursue legal action vs BoA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: After filing a complaint with the CFPB earlier this morning on XX/XX/2024, XXXX XXXX, responsible for resolving issues at Bank of America, called me twice. This marks the second time he has aggressively refused to refund {$400.00} in fees, reflecting the overall behavior of Bank of America staff. He insists on not compensating for their unprofessional conduct, demanding that I bear the consequences. The root of the problem lies in Bank of America 's irresponsible actions. They mailed unsolicited credit card promotional checks, providing inaccurate information about their usage. Despite calling three times for clarification before utilizing the promotional check online to pay my XXXX XXXX property tax, they failed to instruct me to first deposit the funds into my checking account and then proceed with the payment. Instead, they advised me to use it directly for online tax payments, leading to the current predicament. This issue squarely falls under the responsibility of Bank of America. However, XXXX XXXX remains adamant about not facilitating the resolution. I find it unacceptable that he aggressively dismisses the matter during our conversations. This is just one instance of Bank of America customers enduring unprofessional behavior and facing challenges due to their practices. I have faced numerous difficulties with Bank of America over the years, including receiving unwanted credit card issuances and mailings, as well as encountering issues with unclearly canceled credit accounts that resulted in me paying my credit card bill twice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I informed BofA about fraud and they declined my case. Upon made decision I requested all records used to make decision and reconsider my claim again declined with no records of investigation provided to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92203
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am filing another complaint. Even though I spent hours working with Bank of America by overpaying, setting up an earlier auto pay date. They Are still charging me late fees. Nothing I do is fixing the situation. They are defrauding me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: PRIOR POWER OF ATTORNEY REVOCATION SEE ATTACHED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89121
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Called into Bank of America for information about an account that was charged off many years ago. When I asked the representative about the account she was very rude. I asked her about the way they were reporting as past due and a charged off account, she responded that She didnt have to take to me about the account. I asked her how could we come together to find and a solution and again she responded rudely and told me to call another company ( who isnt showing on my credit report ). I told her that I was pursuing a home and just wanted to clear up the reporting and her response was I dont have to tell you anything and as a matter of fact I dont even have to stay on this phone speaking to you about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I linked my Bank of America personal account to my business account so as to transfer funds. The accounts linked but i am still unable to transfer funds between them. I was on the phone multiple times over 4 hours because they kept hanging up on me and transfering me, only to then hang up. I still have no resolution and my business is unable to use the bank business account. This is a major issue that Bank of America refuses to resolve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I initiated the Bofa autopayment process after carefully following the app 's demo instructions. The demo indicated that the necessary steps, including adding a payee, were completed, giving me the impression that everything was set up for my upcoming payment. To my surprise, my credit score dropped by XXXX points, citing a missed payment attributed to bofa. Upon investigating, I discovered that although I had added the payee as indicated in the demo, the payment had not gone through. Assuming that the autopayment system was reliable based on the completed demo, I unknowingly missed a payment, resulting in a negative impact on my credit score. This setback significantly affected my ability to secure financing for a car or home. Upon reaching out to bofa 's customer service, I was informed that additional steps were required to finalize the setup, which was not explicitly mentioned in the demo. The most frustrating aspect is that the demo falsely indicated the completion of all necessary steps, leading to customer confusion and missed payments. I have recorded the entire process and can provide a screen recording to illustrate the discrepancy between the demo 's completion status and the actual state of my auto payment setup.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78724
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Regarding Bank of America 's promotion of credit card check payment, complaint ID : XXXX, submitted XXXX, status closed, " I still have not received the fees of {$400.00} from the Bank of America Credit Card ending in XXXX. This is due to the misexplanation by the Bank of America staff regarding the use of credit promotional checks. I incurred late fees amounting to {$4600.00}, in addition to the original tax fees of {$4200.00}. The Bank of America staff assured me that using the payment for tax would not be a problem, leading me to pay the tax bill. However, the Bank of America failed to forward the amount to XXXX XXXX XXXX twice, resulting in non-payment to the county. '' Please let them know what caused I used to pay their credit promotional check,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90710
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A