Date Received: 2024-01-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed several complaints with BofA in regards to my never receiving their debit card for my Edd benefits. Intially I was denied so I never followed up. I applied for welfare and they advised me to double check with BofA I did and they had approved XXXX claim, mind you its 2 years later. They had me refile 5 others : amounts {$19000.00}, {$9600.00}, {$1500.00}, {$1000.00} and {$300.00}. I filed these claims on XX/XX/XXXX. I was not provided any type of provisional credit until the day they completed their alleged so called investigations. XXXX XXXX & XXXX That is when they posted all of the amounts but the larger one and the smallest. Ridiculous!! I NEVER received my card or any money back when i originally applied. If I had maybe i wouldnt have ended up living in a tent on the side of the freeway. Now to insult me like I am an XXXX and honestly they are doing the same to your company. Thinking Ill be happy w some of the money. They can with hold what is mine. They have put me through the wringer. My debit card is temporarily frozen everyday. Which means calling and verifying each transaction literally each and everyday, then there is the calls and hold times, wait times. Funny their documentation says they received and denied my claims on the very same. Its infuriating to be treated like an XXXX. In addition I still havent received the check for XXXX that they sent to the address that stole my original Edd bofa debit card. Why would you continually send things to address where I have and am telling you stole the tenants card? Strange if you ask me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90605
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX I called to file a claim ( claim number XXXX ) for missed transactions for a previous claim that had been closed and resolved in my favor. My claim was denied five or six times for the same reason, saying I had missed transactions in-between the dates I was disputing. In XX/XX/XXXX I called and filed a new claim to fix the excuse for the denial, within a month the XXXX claim was closed and resolved in my favor. The claim filed in XX/XX/XXXX was denied and after XXXX they decided to start coming up with other excuses. Not only did they lie or give me random excuses time after time but hey would go past the timeframe they would give me of XXXX XXXX business days, at times going well over XXXX business days. When I filed the claim I was clear about how and why I was filling it. Told them it was a new claim for transactions I had missed on a closed and resolved claim, I was also clear that at the time the transactions happed I had my card but when filing the claim in XXXX I no longer had it as it was an older card that was replaced in the initial claim first claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XXXX terminated checking account and credit cards by Bank of America. I checked my Bank of America app on the morning of XX/XX/XXXX to conduct banking to pay off bills but my account disappeared. I called customer support at XXXX and was told the account was locked and closed due to a business decision. No effort was made to relay this issue to me and I had to find out for myself that the account was missing. Went into my XXXX Bank of America XXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) at XXXX and talked to Relationship banker XXXX XXXX XXXX Could not resolve matters after he called customer support as he saw my account but I was purged. Escalated to branch manager XXXX XXXX who contacted Bank of America. All attempts were met with no answer only the right for both parties to refuse business. Department that was involved with my account closure was the risk department but no avenues for appeals and abilities for a customer to be heard before a sudden closure that disrupted my entire financial stability. 6 years of being a customer. No late fees on credit cards and proper maintenance of balance in and out to maintain activity. Car loan that has been paid off $ XXXX and has been XXXX years old with no late payments and XXXX credit cards that have never had a late payment with the bank. Branch manager filed a complaint on my behalf to Bank of America in order to gain answers and traction as to why this has happened with case number XXXX. This issue could bring lasting issues to my other banking institutions as this is my oldest account. I am worried this will affect my future to work, rent or buy a house or car. I do not want this situation to lead to more financial problems with my other banks. No phone call, email or correspondence by Bank of America to notify impending closing or issue with bank account. No chance for appeals by customer even with me being a platinum member for 6 years and being their so called valued customer. This is an extremely disruptive and stressful situation for myself as not only have I lost a bank account with no cause, my financial future and credibility is in jeopardy. I have waited for more several weeks to allow Bank of America to conduct their own internal investigations and to reach back to me. As of XX/XX/XXXX I returned to the branch to pay off my remaining credit card balance and pay another month of my car loan, all of which can easily be done if I had my account but instead has caused me severe stress and inconvenience. The branch manager XXXX XXXX that previously served me has suddenly transferred and I was left to reexplain everything from square XXXX to the banker XXXX. Until now I have not received anything hence my filing to the CFBP and FDIC. I believe I have acted reasonably as a client and customer for them to rectify any issues. I am frankly frustrated and disgusted by how Bank of America treats their old loyal customers and I have been left feeling like a criminal and have lost my dignity. The bank genuinely sets out to make their customer 's lives as difficult as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98004
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: I was using a Bank of America Atm and it took my cash on a deposit which was never posted by the bank its was about XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92503
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: When trying to make a payment at XXXX XXXX XXXX this morning my {$27000.00} limit XXXX XXXX XXXX card was repeatedly declined. I had no current balance, pay my card monthly and had just processed a payment to the exact same vendor the week prior. The charge of {$4400.00} was flagged for fraudulent and I spent nearly 30 minutes at the animal hospital attempting to remove a block on my card via the app and calls to two different agents. Ultimately I had to use another card, just so I could leave and get on with my day. I still needed to call yet a third time a few hours later to get the block removed because the earlier attempt didn't work despite the agent saying I was all set ( after I'd left the XXXX XXXX ). My dog is sick and large payments to vets on this card are not unique. I'm not sure why this charge got flagged but due to Bank of America 's convoluted process for addressing the issue I was unable to apply a payment to the card for XXXX airline miles. In fact, there is nothing they can do for me now because I had to put the charge on another card. I'm very unhappy with the lack of resolution in this case. I've attached a zip file with screenshots of the texts as I was trying to remove the block as well as the form email sent after the fact. Not helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02360
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My financial institutions is Bank of America. In XXXX of XXXX, I returned from XXXX to find multiple unauthorized charges against my account. At first I thought my card must have become compromised when using it out of the country, but then I learned the charges had come from the XXXX, in XXXX. My home is in XXXX and I have never been to XXXX nor do I know a single person whom resides there. B of A flagged some of the charges as suspicious activity and I filed a claim for the ones they didnt catch. 10 days later, they provided me a temporary refund while investigating the claim. They canceled my card and told me I would receive a new card in the mail. Only 2 days later, all of the refunded money plus {$500.00} more was taken. I immediately notified B of A, They filed another claim, canceled the second card claiming to send another. I had to wait another 10 days for the refund but it never came. I called and was informed my claim was denied. I filed a dispute and finally got someone in customer service to help me get to the bottom of things. When I told her I had not received either of the XXXX cards sent, we began to suspect the mail was being intercepted and my cards fell into wrong hands. Turns out my account had been accessed and my mailing address had been changed to XXXXXXXX XXXX XXXX. She used this information in my appeal and they refunded the second claim. 2 months later I received insufficient funds notice due to B of A denying my original claim and taking the money back. The amount of financial hardship this has cost me and continues to cost me is outrageous and unacceptable. I refuse to allow them to neglect responsibilities to protect my account. They dismissed the fact that my account was accessed and my personal information had been changed to persons outside of my state, indicating a breach of security.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94118
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I am submitting this complaint against Bank of America, as an investor and bonafide purchaser, because I have submitted 2 registered securities to them as gifts to the U.S. Treasury to aid the public debt and to settle account. This first registered security was sent to on XX/XX/2023. The second security was sent to them on XX/XX/2023. They did not settle the account, nor did they send me the Securities back as per ucc1 3-603. They instead sent me 2 letters, stating that I am responsible for the debt. They are commiting securities fraud and are not reporting the taxes on this transaction as well as trading my securities on the secondary market.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: My credit card is with bank of America visa, as of recent my credit card balance was reduced from XXXX to XXXX despite making monthly payments. with bank of America ive also had large sums of money go missing from my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93535
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX Bank of America issued a payment to XXXX XXXX XXXX in the amount of {$75.00}. Funds were taken from my checking account under their bill pay program to pay my creditor/Payee. On XX/XX/XXXX I received notice from XXXX XXXX XXXX they never received payment and charged my account {$29.00} for a late fee. I immediately sent an inquiry to Bank of America to investigate. I received an email today they tried to call me and put me on the line with XXXX XXXX XXXX. This is a complete fabrication! I never received a call. In addition, the cell phone listed in my profile has not changed since XXXX. I've been a client of Bank of America since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 905XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A