Date Received: 2023-03-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bank with Bank of America and apparently the other bank involved is XXXX XXXX. There was an unauthorized XXXX transaction of {$500.00} pulled from my account to a person I do not know. I called the fraud department and told them what happened, and they offered a promising message that I would be able to get my money back. Days later I received a message on my account saying that the claim was denied because it was on a device used in the past. I was unaware and did not authorize the transaction. The legal definition of fraud is " the intentional use of deceit, a trick or some dishonest means to deprive another of his/her/its money, property or a legal right. '' The bank should have no authority to redefine the legal definition to avoid honoring their commitment to the consumer. I took it upon myself to reach out to the individual on XXXX whose information was detailed in the XXXX transaction, and they said that they were hacked and they got their bank to freeze their account ( Screenshots attached | I should not depend on someone else 's bank to fix this if I am the victim ). The paper trail should clearly show that I was frauded from a compromised and fraudulent account. I don't feel like Bank of America is really listening to me or trying to understand what happened and instead pushing aside my complaint that clearly shows I was frauded. On XXXX 's website it states that : " If someone gained access to your bank account and made a payment with XXXX without your permission, and you werent involved in any way with the transaction, this is typically considered fraud since it was unauthorized activity. If someone gained access to your account, and stole money or sent it without your permission, this could be defined as fraud. Immediately report suspected unauthorized activity to your financial institution. Because you did NOT authorize a payment, you are typically able to get your money back after reporting the incident. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98103
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The bank siezed money from my account by using their internal XXXX feature. I did not request, send or give any information to anyone to make the transfers. I work as a military security supervisor and do not click links or open emails from people I do not know. This is most likely an inside job from an employee script or high level network programmer within the company. I contacted the bank through the mechanism they require and it doesnt connect me with someone. The phone lines they provide dont work and the Ai just sends me in loops which dont connect me to anyone. Have you had other people complain about this because there must be others. This feels like a larger scale operation and its putting people at high risk. What should I do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received an inquiry alert from XXXX on XXXX. When first calling Bank of America ( the same day ), the representative explained that they had no information in regards to any credit inquiries on XXXX. They then directed me to call XXXX because they stated that they had no information for me. I then called XXXX ( the same day ) but they were closed for the day. The very next day on XXXX, I called XXXX and they placed a fraud alert on my account and thought that it is very strange that Bank of America had no information for the credit inquiry. The XXXX representative then explained that they are only a data reporting unit. I did not authorize Bank of America to create a credit inquiry for me on XXXX and I am fearing that my personal information may have been used for possibly opening an account or line of credit in my name and identifying information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Dear Bank of America, I can not close my account currently because you guys stole my money and overcharged me. Please close my account as I no longer will be paying the overcharged amount because it was not caused by me, but caused by your faulty system stealing millions of dollars from your other clients. I will no longer be banking with Bank of America.
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: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX, I received multiple emails from Bank of America ( BoA ) stating progress in opening a savings account under my name. I do not nor have I ever had a BoA account that I have opened. I called them the same day to report the activity and let them know I did not authorize it, they told me they would send me required documents to complete an investigation. I never received those documents via email nor in the physical mail. After receiving a fraudulent copy of a check from BoA in the mail on XX/XX/XXXX, I called BoA to report this and explain that I did not know who wrote the check to my fraudulent account, but it came from a business in XXXX, MD by the name of XXXX XXXX XXXX XXXX After researching the business, I found a phone number and called them to confront the owner about the fraudulent checks in case they or someone they knew had been involved. Upon calling the owner, she informed me that her account had been hacked and someone had written almost 30 fraudulent checks to seemingly random individuals across West Virginia. All of the names the checks had been made out to people across the state. I called BoA with this information and the business owner 's info who was working with me, and they told me once again they would send me documents to turn in to close the account. I never received them. I chatted with their team via XXXX several times and called no less than 5 times to resolve this, each time they promise to send me the documents via email and they never come. Today, XX/XX/XXXX I received an email saying they couldn't close the account because I did not respond to their requests to submit documents needed to close the account. I called again today and was told I will receive the emailed documents needed to close the fraudulent account. I am unsure if I will receive them, and after 5 months of attempting to close this account no one at BoA seems to want to help me. I do not want this fraudulent account or check to be held against me or my credit when I had nothing to do with it and have been making multiple attempts in between my busy schedule as a teacher to get this account closed. BoA has made no attempt to rectify this issue with me in a genuine way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On or about XX/XX/XXXX Bank of America withdrew {$83.00} in funds from my account with out my consent or knowledge, when I called Bank of America to see what the charge was for, the woman I spoke with said it was for recovery for forced closed account for an old account, when I asked her for what closed account because I was unaware that I owed any money to them, she said I owed them for overdraft fees from an account in XXXX that was closed and another account from XXXX. She told me that they didnt have to notify me and that it would probably happen again. Now my account is overdrawn, how can they do this without notifying me first? I cant pay my bills now. I thought my permission was needed to withdraw funds from my account, Ive had this account with Bank of America for several years now, why are they just now deciding to take money from me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72701
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I presented a Florida Direct Deposit Form from the State of Florida to XXXX XXXX, financial center assistant manager, at the XXXX, Florida branch of Bank of America and she refused to sign the state form, stating that Bank of America does not sign outside forms. I explained this was a state required form and the best they could offer for me was a standard Bank of America Non-Federal Direct Deposit Enrollment Request form. Their form does not provide their verification of my account, or their signature, which is required by the state of Florida. I asked them to provide me with a letter I could send to the state explaining why they would not sign the state form and they would not do so. They will not provide me with the required information from the state of Florida.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Other transaction problem
Subissue:
Consumer Complaint: I tried to transfer money between two Bank of America accounts using their web site. The transaction was prohibited UNLESS i had a debit card. However, I do not have and I do not want a debit card. In the past it was possible to make transfers, but they have now added this restriction. I was told that I could visit a bank branch and conduct a wire transfer for a {$30.00} transaction fee. But I would greatly prefer to not do that either. It seems it is easy to deposit money, but moving money - even between accounts within their own bank branches- is now impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting act. This account violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.BANK OF AMERICA XXXX Open Date XXXX XXXX, 2005 Balance : {$25000.00}. In 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10952
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We have a case open with Bank Of America because money was taken from our account in the amount of {$30000.00} on XX/XX/2022 in a form of bill pay payable to an XXXX XXXX account that we do not own. Complaint was already filed with CFPB and case is still open because Bank Of America requested more time to file an answer. Per the guidance they were only granted 60 days and they are taking almost 90 days. They response is past due. We are filing another complaint with the FLORIDA OFFICE OF FINANCIAL REGULATION. We are still waiting on their investigation to be completed as it is past due and we expect Bank Of America to reimburse our money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A