Date Received: 2023-03-20
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bank of America will not allow me to make payments online it will only allow phone call payments. I have ask them several times to fix this so I can make payments on my time and not during their business hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48858
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023, I sent money in the amount of {$370.00} to someone who promised to be selling an item to me that I purchased through XXXX XXXX. I found this person ( known as XXXX on the platform ) on the online XXXX, XXXX. As asked by them on the listing, to supposedly avoid the " 20 % fee '' that XXXX takes from sellers, I contacted them via XXXX, asking if the item was available. After talking shortly over text, I sent the money to a " payment phone '' that he had, confirming I had done so with him. After waiting until the next day for a response, I messaged him about the order, but got no response. I contacted my bank ( Bank of America ) to get help regarding the transaction, and was prompted to wait until Tuesday, XX/XX/XXXX, to dispute the transaction. Shortly after disputing the transaction, it was resolved, ending in the claim not being paid. I have also contacted the Federal Trade Commission, XXXX ( in regards to reporting the transaction ), XXXX ( for reporting the user and his post ), and local law enforcement ( for filing a police report on the incident ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32309
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX, I had my credit union send a payment of {$25.00} on both dates. The payments were sent and cashed by Bank of America. The payments were applied to a closed account which showed I had a credit of {$50.00}. I seen the mistake and asked them to transfer the {$50.00} credit to my open account. They said they couldn't do that and they would send me a check in the mail. That conversation took place on XX/XX/XXXX. I spoke with them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told they need to investigate, the check was in the mail and I would receive a letter regarding the investigation. I received the letter today XX/XX/XXXX. The letter was dated XX/XX/XXXX and they said they were investigating my open account with a different account number. After the numerous calls they are investigating the wrong account. I spent about XXXX minutes between two phone calls on hold at XXXX this morning and was kept on hold. I have given them the dates sent from my credit union with the confirmation numbers that they received the money and that was taken from my account. The closed account and the open account I was able to review on their website. On XX/XX/XXXX, the closed account was taken off the website. I was able to talk once with a manager but with no help. Bank of America employees have been rude to me and have given me the run around. Bank of America knows that I have a {$50.00} credit on my closed account which was even showing on the website. Also, they know when the payments were received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37814
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: BankAmericard Platinum Plus Mastercard Ending in XXXX XXXX I have reason to believe that Bank of America is violating 15 U.S. Code 1666d ( A ) by failing to offset the balance of my credit account from consumer credit transactions made by this card. 15 U.S. Code 1666d states ; whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditor in excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number. The balance of {$490.00} on my account is evidence that Bank of America has not took the necessary steps to offset the balance from consumer credit transactions on this card as listed in 15 U.S. Code 1666d.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XXXX XXXX, the resolution complaint specialist, incharge of a complaint I had made against the XXXX, XXXX WA location did not apply pertinent details of the situation to base his final decision off of. I know he is aware of those pertinent details I am referring too because I have a copy of the phone conversation I had with him prior to his investigation, where we both discuss the details he has failed to apply to his decision making. He states in his determination letter that " After carefully reviewing the video footage, he determine that I only had provided the teller with 1 form of ID, my passport, to cash a {$6000.00} check drawn from Bank Of America from a XXXX XXXX XXXX vehicle manufacturer. What he has failed to mention, and was really the basis of the entire original complaint, was that the tellers REFUSED to let me provide then with any other form of ID, for which I had in my pocket a driver 's license and social security card. The tellers refused to accept anything but the physical debit card from Bank Of America or, " any other debit card another bank ''. The tellers were fully aware that the debit card from Bank Of America was still in the mail and they were aware of that because they were looking directly at my account pulled up on their computer. During my phone call with XXXX, he acknowledged that if the system requests another form of identification, there are several options to choose from and these tellers lied to me and insisted that the ONLY way they could cash my check was with the debit card they knew I did not have in my possession yet. This is why I feel like I was discriminated against by these women tellers based on my sex and profession. XXXX acknowledged in our phone call that the excuses given to me by the bank tellers was incorrect and my check should have been cashed. I have heard from 20 different customer care supervisors the same thing and the branch manager himself. He referenced the deposit agreement in his letter and said that I could find information regarding cash checking services required more then 1 peice of ID. I know that. I read my entire deposit agreement prior to my visit to the branch that day. That is why I brought more then one piece of ID. Bank of America does not accurately state anywhere pertinent information about their check cashing services and I believe that is pertinent information that consumers are not being provided with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Recently got a credit card in the mail. that I did not apply for. My bank called and checked it out at bank of America and someone opened a credit card and cashed a fraudulent check in my name. also I'm a victim of identity theft all my online stuff accts. e everything compromised. I think it's a new boyfriend. Bring sneaky trying to steal my use and steal my identity and I recently got an email from bamk of america on the XXXX saying i applied again for a credit card whichI didn't
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Unauthorized purchases totaling { {$30000.00} } we're made against my Bank of America XXXX XXXX, which is where my unemployment benefits from the state of California were posted. I filed a dispute request on XXXX of XXXX. On XXXX, Bank of America denied my request for provisional credit.stating the card will simply be reissued seen on my Cfpb account On XXXX of XXXX, I requested my claim be reopened based on the class action lawsuit against Bank of America. This judgment clarified provisional credit must be granted and disputes must be reopened for claims made against this prepaid government benefits card. It has been over 90 days, and this dispute still has not been resolved. I have not received any edd payment or provisional credit. On XXXX I called the customer service line at XXXX XXXX processing, and spoke to a customer service representative, who advised me my claim had been escalated to an escalation team and that provisional credit was not required to be granted as I dont think actually happened as Bank of America made a decision within 10 days of me filing a dispute.There is nothing in the Code of Fedderal regulations that states provisional credit will not be granted if a decision and determination regarding the claim is made within 10 days. Bank of America has exceeded the 90 day time frame as specified in the CFR, denied my request for provisional credit, and did not complete their investigation in a timely manner. I am requesting provisional credit to be credited to my account immediately, and I want Bank of America to provide me a written explanation of their investigation findings, which was conducted in XXXX of XXXX. There is no way that a thorough investigation could be completed within 7 days, given the number of claimants during this time who had disputes against Bank of America for unauthorized purchases and transactions taken out from their EDD benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Bank of America wrongfully closed my credit card account for literally no reason at all back in XX/XX/2022 even though I was making consistent on time payments and never had any issues with making payments. They have no right to close my Credit Card account because I'm the one that extended credit to Bank of America via my SSN and they used my application as collateral security to establish the account ( Federal Reserve Act Section 16 Parts 1 & 2 ). Banks have no power to issue anything, the powers and duties of banks are TO BORROW. Bank of America didn't extend me credit ; I extended credit to Bank of America. Therefore, I hold all Titles, rights, and am owed all security interests on this account. I have reached out several times to get my credit card reopened but they have willfully and negligently denied and discriminated against me from accessing my own credit. They went on to charge off my account and sold it to a 3rd Party company ( That I never consented to have my PERSONAL non-public information sold to, which would be Identity Theft ). Bank of America has clearly severely violated my consumer rights and I am looking to get all damages owed back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48237
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Every time I reach out to this company my emails become compromised. Which means somewhere there is a conflict of interest. Someone is selling my information and stealing me and my kids funds. On XX/XX/23 my account was positive {$8.00} in savings and {$1.00} in checking deposit of {$1500.00} and XXXX was made on the XXXX then {$220.00} the following Saturday alone with {$6000.00} for tax refund XX/XX/23 then {$670.00} on XX/XX/23 then XXXX on that Tuesday then {$76.00} in the savings someone was accessing my bank account via online banking while I was sleep I reported that twice nothing was done but then my money vanished nobody know what happened to my money I had the rep inside the bank transfer fund from Savings for {$500.00} to the checking account come to find out they sent it to a closed account that had an account take over ending in XXXX then i didnt realize it until going to an atm to withdraw fund that the bank took an additional {$500.00} and that the other {$500.00} never was deposited into the account then I had to show proof and the realized the funds I quote accidentally sent to a close account then she moved it to the checking so my receipt shows but the. The fraud department stated it wasnt that Saturday on tbe XXXX then when I got print outs on the XXXX it showed me negative XXXX which I moved to checking which means this bank tried to Say I spent over XXXX dollars in 2 days never giving me an explanation nothing so then tried to tell me o no there was funds there Im telling them to check the calls that the rep stated all the declined transactions over that weekend where they took money from my account on declined transactions on their behalf they stated they gave the funds back but didnt the. I was charged {$60.00} for transfers I didnt do which is fair if I complained about not using an XXXX to log into my account I do t own an XXXX and then they over look that then proof of logins while Im sleep. This bank took {$700.00} from my account to pay my rent on XX/XX/XXXX posted XX/XX/XXXX but then stated no they didnt my landlord calls me after my bank account is closed out according to Bank of America on the XXXX of XXXX and tell me my check was blocked but the landlord told me on the XXXX their company cashed the check and it when through but on tbe XXXX called and stated rhe check was blocked Bank of America . Sent me 4 letters stated they wouldnt be accepting any. More deposits but still took my employment check XXXX child support checks and told me my account was closed but not sending my checks back me and my XXXX are about to be homeless due to the negligence of my funds holding my funds for ransom I dont know who has access to my account fraudulently but its a conflict of interest somewhere my bank statements proof that
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/XXXX, I received a series of emails from Bank of America stating that a checking account had been opened in my name without my permission. I contacted the bank and had the account closed and filed a report of identity theft with FTC. During this process, it was recommended to me to place a security freeze with XXXX to prevent this from occurring again. On XX/XX/XXXX, I received another set of emails indicating another account had been opened in my name. I contacted the bank again and had the account closed and they recommended I place a security freeze with XXXX. However, the previous freeze I placed with XXXX was already in place. Per the text on their website " A security freeze is designed to prevent approval of checking, savings, credit accounts, loans, or other services from being approved in your name without your consent ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60046
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A