Date Received: 2023-03-18
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/2023 I received an e-check from a party who signed me up as his employee. The name of the company was XXXX. He issued me a check for {$4800.00} to but the equipment. I checked online the routing number given on the check was from Bank of America Illinois. I can verify only that information. He told me to print the e-check and endorse it and using BOA mobile bank app deposit it. On XX/XX/2023 using my mobile app of BOA on my smart phone I deposited the check. I received an email from BOA that the funds will be available by the next day. On XX/XX/2023 in the morning it showed me that check is cleared and fund is available as clear amount. It increased my bank balance by {$4800.00}. I checked the status of the check using online banking it showed by " Cleared ''. I have screenshot of that. Then as my employer requested to transfer the funds using BOA XXXX app to purchase the laptop to his trusted vendors. I made XXXX transfer of {$1000.00} using XXXX. But I suspected a scam victim so I contacted Bank of America and they told usually check takes XXXX days to process. Then I asked them to stop the transatcions. On XX/XX/2023 Bank of America returned the check reporting it as counterfeit. They reversed the transaction. But to this my account is in red. The balance in my account before check deposit was {$1900.00} but now the question is when I was not having the money in my account then how the transfer took place? Now my bank account balance is in red {$1000.00}. Due to the false reporting of the Bank of America XXXX XXXX in loss of {$3000.00}. They first reported that check is clear and they increased my balance whereas the check was in processing state and the funds were not available. When I deposit a check in bank I never asked for a credit balance. Yes there is federal law that requires the funds to be available quickly when a check is deposited but that does not mean banks will report false. Clearly this is a mistake on Bank of America part. They never processed my check but reported as cleared and increased my bank balance. Then three days later they reversed the transaction. The case is already reported to my local police station, IC3 website of FBI and my state atorney General office and now with you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48331
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: i was checking on my credit which i normally never do and i noticed that i have XXXX unauthorized HARD inquiries on my report that i have not done any business with what so ever. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44108
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I had realized that my Bank of America checking account was compromise with two unauthorized transactions one was a wire transfer for the amount of {$3200.00}. The other one was the XXXX transfer for the amount of {$3500.00} to A person by the name XXXX, XXXX XXXX XXXX confirmation of transaction # XXXX. Both transactions were made on the same day assuming the same person. I have screenshots of the transaction, and they were made by the same person. And my application for my Bank of America mobile app I was able to check the last few numbers off a cell phone number, which did not match my.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: My old name XXXX XXXX XXXX was used to open a Bank of America account with account number XXXX opened XX/XX/XXXX and closed XX/XX/XXXX closed under XXXX XXXX XXXX XXXX SC XXXX. I havent lived at this address in over 9 years and last name changed almost 7 years ago to XXXX XXXX XXXX. They also opened an XXXX account under my prior last name XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I am filing this complaint against Bank of America due to this business allowing my sensitive data to be illegally acquired by malicious parties to attempt to open a deposit account using my identity. This is called identity theft and Bank of America is facilitating it. I made several calls today, XX/XX/2023 to their fraud department who dismissed my complaint and informed me that I needed to go to a branch with two forms of ID. I will not go to a branch and expect this issue to be permanently resolved without further endangering my life ( about ten years ago, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a result, they illegally, immorally, and unethically endangered my life by dispatching cops with itchy trigger fingers that threw me against my company vehicle while handcuffed and proceeded to physically assault me ). This is the reason I will NOT step one foot on BOA property. In addition to reporting this facilitation for identity theft to the XXXX, I am reporting BOA to the FCC, FTC, local, state, and federal authorities. I requested that my personal data be destroyed when I closed my accounts ten years ago ( clearly this was a lie and deception communicated to me by this bank ). I want this data destroyed immediately and a legitimate proof of destruction. I want all impact to my credit report to be expunged from my record. I have tried to communicate and work with Bank of America representatives to resolve this, however, they refuse to listen, care, or take action to remediate. Instead, they continue to insult my intelligence and attack me. I have spend about 4 hours trying to resolve this issue with Bank of America account representatives who refused to transfer the call to a member of upper management and actively chose to aggravate the situation. I am seeking resolution from upper management in 7-10 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06770
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In XX/XX/2023, I noticed that Bank of America had started charging me a fee of {$12.00} a month. They charged a total of XXXX fees, for a total of {$84.00} dollars. I called the bank, and they confirmed that the fees had been charged in error. The bank refunded XXXX of the XXXX fees. However, they refused to refund more. I was informed there was no XXXX to speak with about this, no way to file an appeal, nothing to be done. Bank of America simple stole {$48.00} from me and will do nothing about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-03-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-18
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America. I applied for a credit card with Bank of America in XX/XX/2022 after receiving multiple pre-approved letters by mail. However, my online application did not go through and I was instructed to wait for a decision letter in the mail. Upon receiving the decision letter, I was asked to provide proof of my legal residency in the US, despite being a US permanent resident. I immediately went to the local branch of Bank of America in XXXX, MA and provided them with my US XXXX XXXX XXXX which they scanned to send my documents to the appropriate office. Since then, I have been in contact with various phone numbers at Bank of America, but have not received a clear answer. I have been transferred to multiple people and offices, with no help. It has been six months and I have not received any updates or progress on my credit card application. Moreover, there is a hard inquiry on my credit reports without actually having the credit line. I have made every effort to comply with Bank of America 's requests and provide them with the necessary documents to prove my legal residency in the US, yet I feel that I am being discriminated against based on my nationality. Bank of America 's treatment of me has been unfair, and I believe that they have wasted my time and resources. Given this situation, I would like Bank of America to remove the hard inquiry from all of the credit reporting agencies. I would also like Bank of America to provide a clear explanation of their treatment of me and why my application has not moved forward, despite my efforts to comply with their requests. Thank you for your attention to this matter. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2023-03-18
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: I have a Bank of America checkings account and a Bank of America XXXX XXXX credit card. On XX/XX/, 2023, I mistakenly double paid the full balance of my credit card, resulting in two payments of {$10000.00}. When I paid first on my phone app, I didnt see a confirmation nor any change in my balances, so I went onto the desktop website and made a payment that reflected a change immediately. By the end of the business day I learned my mistake and called the bank to remedy the error quickly. First I was advised to wait until the transactions were no longer in a processing status. Once I did this I called back on XX/XX/XXXX and began the formal process of requesting immediate refund of my credit balance. I was assured my issue was being expedited and would be resolved within 5 business days because the payment had come from the same bank as the credit card. When I called again after 5 business days, the agent said it takes up to 10 business days. When more than 10 business days elapsed I called again on XX/XX/XXXX and was informed that this process takes up to two business cycles and they apologized for anyone misinforming me on previous calls. I called again on XX/XX/XXXX and XX/XX/XXXX, to impress the impact of the situation. I had lost all my liquid cash to this mistake, and now the rent was due and I could not simply pay that using my credit card, nor could I forward myself enough cash advance under the limits of my card. I would have accepted any change in my credit card limits that would have gotten me through rent without penalty, but this was not offered. I was informed that my issue had been escalated at least once and that a formal complaint had been issued on my behalf at least once. I received a letter in the mail dated XX/XX/XXXX that said my situation was being researched. On XX/XX/XXXX I went to my local Bank of America XXXX and met with an empathetic branch XXXX who called the company with me on speaker phone and tried to sort out what could be done and why this was taking so long when all accounts were under XXXX bank, and everyone could verify that my payments had already cleared. Meanwhile I found the website for CFPB and realized that under my understanding of regulation Z section XXXX, the lender XXXX be held responsible to return my balance to me within 7 days of receiving a written request. As the bank branch XXXX and I read this to the credit card company on the phone, we were transferred and I was suddenly offered a deal where my balance would be refunded in XXXX to XXXX business days! This was good news but also frustrating, because up until now I had been told multiple times that the initial estimates given to me of XXXX to XXXX business days were erroneous, and that they shouldnt have quoted such a short timeframe because these issues always take up to XXXX business cycles. Now on XX/XX/XXXX I was suddenly being told the opposite again! The company assured me it should never have taken this long. Regardless, I accepted their deal for XXXX business days remedy and forestalled my sending of any letter or submission of complaint to CFPB. When the XXXX business days were just about through I called the company again on XX/XX/XXXX. The agent informed me that a letter was being sent to me notifying me that, Were researching your claim and will notify you if we need additional information or when your inquiry has been resolved. Unfortunately, this is the exact language of the letter I received from them on XX/XX/XXXX for this very same complaint! I called XXXX final time XX/XX/XXXX to notify them theyve already sent this exact letter and that going in circles and asking for new timeframes to be observed would no longer be acceptable, I had lost all faith in any resolution time estimate they would give me and that I would be filing a complaint with the government documenting everything as best I could. The agent transferred me to her XXXX, and he explained he would handle it personally and it would be resolved in XXXX to XXXX business days maximum. I asked if I could have contact info to follow up on his quote, and he was willing to give his name, XXXX, but unwilling or unable to give his contact information. So I told him that this time estimate of XXXX to XXXX business days felt no more reliable than the prior estimates Id been given, especially because there was no way for me to reach him again and follow up. Therefore I am finally submitting my complaint to the government.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91605
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: 2023-03-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I have been waiting over 3 years to figure out if Bank of America gave me a card for my unemployment, originally I was frozen out and had to give way more to get unfrozen, but XXXX stated there is little they can do and it took 3 years to get them on the phone due to high traffic, I was finally able to pass the number to XXXX and was told I was not frozen anymore because I didnt have the card to call or log in online I was stuck in the middle of getting no where whenI needed it most, somehow I get a rep to tell me from XXXX recently that the funds were sent out and I was to have XXXX years of benefits on the card, I never had the original card somehow it was duplicated and used, I was supposed to have over XXXX on the card when I reset the online boa portal it looks as if I it was in use, I would like to get all full investigation on this as to how this is possible, I ordered a new card yesterday and when I asked about the bank statements but I had no card, they reordered my card and now Im waiting XXXX just to have a card to be able to try to ask for my unemployment money back I want to file a full dispute on Bank of America for basically stealing my funds. Im going to be trying to look into full provisonary credit I spoke with the agent but will start processing it after I can at least get my hands on my own card its sad I been going through this for over 3 years just to finally be eligible in a hardship time for my own money to be missing.
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: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to you because I recently experienced digital fraud via a XXXX money transfer for the amount of {$3500.00}. I did not authorize this transaction and have contacted my bank in order to dispute it. Unfortunately, the bank denied my dispute and is holding me responsible for it. the money transferred from my account on XX/XX/2023 i found out the following day and report it to the bank on XX/XX/2023 claim number Bank of America XXXX XXXX the money transferred to this person XXXX I am hoping that you can help me resolve this issue as soon as possible. I understand that this was an unauthorized transaction and should not be held liable for any damages incurred by it. Please let me know if there is any way that you can help me in this situation. I would greatly appreciate your assistance in this matter. Thank you for your time and consideration,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A