Date Received: 2024-01-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: This new Claim is to be apart of # XXXX BOA Called me Thursday XX/XX/XXXX at XXXX to advise me that someone named XXXX ( XXXX XXXX from there Executives Escalations team would call to go over things. I have called and left numerous Voice mails for a return call and nothing and no answers still. I will continue to file a new COMPLAINT Every week if I have to, I will also give all this information to my Attorney who is scheduling a call with the XXXX XXXX this week for an investigations of an almost 7 month since the date of incident. _____________________________________________________________________ XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Money transfer, virtual currency, or money service ISSUE Fraud or scam We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT Fraud occurred on my Business Bank Account at XXXXXXXX XXXX An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/XXXX and recall wire was sent several times from XXXXXXXX XXXX More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX ASAP within 45 minute 's of happening. XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file XXXX XXXX XXXXXXXX XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX ) and from any recalls that have been sent since XX/XX/XXXX. Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have XXXX credit cards with Bank of America that I made payment arrangements wuth on XX/XX/XXXX One card was {$66.00} payment and the other was {$140.00}. I opted not to do autopay on these cards. The scheduled due date for payments was set for the XXXX of each month. I called on XX/XX/XXXX and made my payments early. One paymeny of {$400.00} and other {$140.00} by debit. On XX/XX/XXXX there was an unauthorized autopayment of {$140.00} and {$66.00} from my XXXX XXXX XXXX XXXX XXXX ( XXXX ) checking account. I had the representative shut off the unauthorized autopay. I called B of A on XX/XX/XXXX and spoke with a representative that processed a refund of {$140.00} and {$66.00} back to my XXXX account. I spoke to another representative about refunding the NSF fees caused by the unauthorized autopayments. The rep stated that once the refunds are applied to my checking account that my bank will refund the {$66.00} in total NSF fees to my account. When I spoke with the XXXX bank manager, he stated that the refund of the NSF fees is the responsibility of the financial institution that committed the error. I am requesting a refund for the total of {$66.00} to be applied back to my XXXX checking account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68107
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America refuses to retroactively update my credit report to reflect proper balance history on account of their incorrect accounting/misreporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I already filed a complaint against BOA. I called your office to ask if I myself placed a deposit only restriction on my checking account, it is the banks discretion to continue to withdraw money from my account? BOA perged my debit card claiming fraudulent balance inquiries at a non BOA ATM. When I told XXXX, a supervisor in the fraud department I did not do that, she cancelled my card. Which left me no option to access my money over the holiday weekend. I called and was told a new card would be mailed and arrive 3 to 6 business days. I was also told I could access my money using my virtual wallet. BOA decided without advising me to change my pin. However, no pin was mailed to me, once again not allowing me access. I have been writing to BOA, but they do not respond. They did respond in another way. Without advising me, they closed my credit card. XXXX limit, I've been a credit card holder for over XXXX years, and I feel this was done in retaliation to my over 100 phone calls yo customer service. I can tell you this, BOA 'S procedures are if a payment comes in and it is returned for insufficient funds, BOA will retry those payments 3 more times, WITHOUT THE MERCHANTS AWARENESS. They jeep telling me it's the merchant, it is not. It's can not be if I went ahead and paid the bill using another means. Why would merchant retry when they were paid? Just recently a different merchant who has tried to collect XXXX from my checking, ( which has been held up by all the retry payments ) leaving my checking in the negative. That the XXXX return check fee was XXXX, not them? XXXX diesnt charge a return check fee. An employee at BOA bill pay told me the truth is : its built into BOA 'S bill pay computer system to automatically retry 3 times whether the merchant requests it or not. It can not be stopped. One creditor of mine has absolutely no record of an attempted payments nor retries. That scares me. In the mail comes 2 debit cards, same card # only different security code. Then a third comes in with a totally different card number. BOA prides themselves on the world class service they provide in aiding in fraud. They will be responsible for the total amount if found to be fraud. They flag any check over XXXX, which causes me to be late, and creates this mess. Was I punished for complaining? I kniw the bank can clise an account, but being put in this situation solely because of the bank, they took my only other means of purchasing food. I can not use the assistance programs, I do not qualify. Thank you One more thing. I lifted the restriction on my checking account. When the bank took XXXX from my checking for a return check fee, ( BOA ), while the restriction was in place it took 3 days to come back to me. When it came back, I transferred the XXXX XX/XX/24 from checking to my credit card for an early payment. BOA chose to return the payment for " insufficient funds ''. XX/XX/24. That's not harassment? There was no reason for that. XX/XX/24 I made the payment again, this time it goes through and BOA closes my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A previous partner of a joint venture operation conducted Fraudulent Schemes ( on police report as a felony charge ) using our investor 's money and despite showing them where the money originated from and the promissory note for the money. We placed a multitude of fraud holds on the accounts ( just as we were told to do by Bank of America ) that amounted to nothing. This in turn, allowed the previous partner to steal over {$160000.00} from our investor and the bank did NOTHING despite us showing them everything ( even including documents showing the joint venture ). As a business owner, stay away. Unless you are looking into a bank that ignores very apparent issues and want to pay a lawyer to sort out everything for you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a phone call around XXXX XXXX on XX/XX/2023 from a man telling me that there had been some fraudulent transactions made, he then listed off a {$200.00} XXXX charge, a {$70.00} charge at a XXXX XXXX gas station outside of XXXX, WA and stated that a new device, an XXXX XXXX had been added to my account. I have an XXXX but it is a XXXX. He told me how much I had in my bank account, citing information that only myself or the bank would have, He then walked me through a process which involved him telling me to transfer all the money from my savings account into checking telling me the exact amounts to transfer as I assume he was looking at my account balance. He then had me try and transfer {$5000.00} to my XXXX XXXX. It was declined he said that would happen and told me to text YES in the text I received that was from Bank of America, my bank. After that he had me remove my debit card from XXXX XXXX and put in a new Bank of America digital debit card, he provided all of the card details for me to manually put it in then had me authorize this card. It was then on my mobile banking app I got locked out on so after a period of time, and several dropped calls that he called me right back, the block on my account was removed by him. I dont know how he did that when he should not have been able to. Then he had me direct transfer the {$5000.00} I had in XXXX XXXX to this digital debit card telling me that this was just to make sure that the fraudsters wouldnt be getting this money, making all of it sound very urgent that we get this sorted out before any money was taken. He then had me go back and transfer the remaining {$1900.00} in my account to XXXXXXXX XXXX, where I repeated the process of transferring that money to the digital debit card. After that had been completed he told me in order for my money to be transferred back to my account I needed to delete the digital debit card. And that is where all of my money went and I feel very stupid for believing this scammer. And now Bank of America after an investigation of fraud has determined that I was not a victim of fraud and has closed the case without crediting me back the money that was stolen. My bank failed to protect me, I called XXXX times, the first time I called was about ten minutes after the incident first occurred the woman I spoke to told me that the money is gone wait until it posts and dispute the charge then hung up. I called two more times on the XXXX the day it happened, both tellers told me that nothing could be done. After waiting a day I decided to call again this time the teller said that he would put a stop payment on the charge since it was still processing, why didnt the first teller I spoke to do that if a stop payment was an option? Or the two others I spoke to that day, this could have been prevented! Then the 4th teller I spoke to said I will also file this as a fraud claim for you, again, why did the 3 previous tellers completely fail me as it was too late by the XXXX for a stop payment. My bank has failed me! I put my faith and trust in them and I did not get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98271
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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: Filed a claim with Bank of America for unauthorized atm withdrawals on credit card. Claim was denied and when I asked for documentation I did not receive any. Filed police report. Total amount {$1000.00}. Withdraws made in XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15146
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to remove this record. If you can not remove this record, I request you remove this data from my account immediately. BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want this deletion from my report 3 bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80231
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My information was SOLD and BOUGHT ILLEGALLY because I was a victim of the XXXX XXXX XXXX. I want these items deleted from my credit reports affective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this DATA BREACH and XXXX has done NOTHING. Please help me DELETE these illegal accounts from my credit reports. ( The Accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBK OF AMER XXXX XXXX XXXXXXXX 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: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My wife and I are holders of a MerrillXXXX XXXX credit card administered by Bank of America . We are listed as XXXX XXXX because we spend more than $ XXXX per year using this card. This entitles us to XXXX XXXX up to {$200.00} per year for incidental travel expenses including airline baggage fees. ( See EXHIBIT A : MERRILL XXXX XXXX CREDIT CARD BENEFITS AND REWARDS GUIDE ) ( SEE EXHIBIT B and EXHIBIT C : Website references to the XXXX XXXX ) On XX/XX/XXXX using our credit card, we paid XXXX XXXX XXXX fees each in the amount of {$30.00} totalling {$120.00}. ( SEE EXHIBIT D : Our credit card statement showing the XXXX {$30.00} charges ) Previously during 2023 we had received a credit of {$120.00} for payment of other baggage fees. Therefore, based upon the {$200.00} annual credit limit, we are still entitled to a reimbursement of {$80.00} which we have not received to date. Despite repeated phone calls to various customer service departments within Merrill Lynch and Bank of America, we have still not received our {$80.00} reimbursement. We have been repeatedly directed to different departments each of which continued to direct us elsewhere. We even had one representative say the travel credit program has been discontinued in XXXX even though no notice was ever given and the benefit still appears on the cards website. We went through similar difficulties with the earlier {$120.00} credit mentioned above, necessitating a complaint with your bureau ( Case # XXXX ) which resulted in a payment of {$120.00} to us. We believe that this situation is either fraudulent or is a gross mismanagement of a benefit publicly offered to the Banks MerrillXXXX XXXX XXXX cardholders. We are requesting a correction of this situation and receipt of our {$80.00} credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06614
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A