Date Received: 2024-01-05
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I lost my debit card on XX/XX/ or sometime near my card was found & used to withdraw {$560.00} from an ATM, XXXX .I FILED A CLAIM AND WAS EXPECTING MY MONEY RETURNED INSTEAD BANK OF AMERICA DENIED MY CLAIM STATING I ALLOWED OR SOMEONE I KNOW WITHDREW THE FUNDS?? I DID NOT AUTHORIZE ANY FUNDS TO BE WITHDRAWN FROM MY ACCOUNT!! I LOST MY CARD WITH A PHONE & several other cards. IM VERY UPSET WITH THIS ACCUSATIONS I RECIECED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with customer service
Subissue:
Consumer Complaint: My credit union would not cash the travelers checks. Called XXXX XXXX who recommended a bank on their web site which was XXXXXXXX XXXX ( old XXXXXXXX XXXX ). Went to a local XXXXXXXX XXXX who said they could not help me. They did, however, recommend Bank of America down the street. My travelers check were issued by XXXXXXXX XXXX that was bought out by XXXX XXXXXXXX XXXX which was bought out by Bank of America. My visit to Bank of America resulted in no help and no answers as to how I could cash the travelers checks. They recommended a US Post Office. I went to a major local post office with supervisors and managers, but they said they could not help me ; no do not cash travelers checks although the Internet says they do. Now I am stuck with travelers checks that " Never Expire '' that no one will take nor even tell me who or where the escrow funds are kept. It seems that the banks have absconded with the money. Question is, which one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to Bank of America to deposit a check and they gave me documentation stating funds will be available XX/XX/2024 at XXXX. Its now the XXXX and I went to the bank to get the money and they told me their holding on to the check for their enjoyment it would seem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97030
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Under the Federal Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy, on 15 USC 1666B A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. During the pandemic I XXXX XXXX XXXX and I made an arrangement with Bank of America, one month I was not able to pay and I called them to let them know about it, their representative told me that it was ok if i could not pay that month and that I could pay next month the same amount I always was paying ( they did not tell me that they accumulate the payments ) I never received information about this neither via email or mail and I knew about this matter after applying for a home loan and they told me about these late payments. Two weeks ago I called Bank of America to see if they could help me with this matter since it is affecting my credit and I told them that I didn't know that my payments were late ( They had known this situation since XXXX ). They sent me a letter on XX/XX/XXXXXXXX to let me know that they could not help with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11720
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: XXXX XXXX and her Indenture Trustee XXXX XXXX XXXX received packets from me regarding my resolution and remedy sought to cure areas that had not been remedied over 60 days back and forth + with the XXXX call line and reception office in Pennsylvania. Zero FTC or CFPB complaints were addressed timely. They just passed the 3rd deadline for another report. XXXX opened my email notice numerous times. On Friday, XX/XX/XXXXXXXX I noticed an alert my XXXX score had elevated. I checked it. My Bank of America Credit card was removed form my credit report via XXXX XXXXXX/XX/XXXX I use my Bank of America Credit card, no issue. XX/XX/XXXXXXXX I go to use my card after a sizable payment was applied, the card has been revoked and closed. After contacting Bank of America XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX helps me determine at BOA that the reason after ruling out all others was " irregularity with credit profile '' -- I reached out to XXXX via email, she received it and read it. I am attaching this email to the CFPB complaint with this message. This cost me damages. I suspect a XXXX violation as Bank of America is an investor in XXXX. XXXX has added all kinds of fiduciary relationships to my credit file I have never possessed. I have asked numerous times to remove the hard inquiries on my file -- no authorization has been verified through my signature verification upon the 5 disputed inquiries. This was used + the reviews + the promotional pulls to harm my credit file. Additionally, non-public personal financial information is being reported with account numbers, financial payments, balances, limits ( all not anyone 's business ). I requested for this be remedied from both Bank of America ( who declined/refused in a letter XX/XX/XXXXXXXX ) and XXXX ( who declined via phone conversation XX/XX/XXXXXXXX ). I am seeking damages from the adverse reactions taken by XXXX XXXX. Racketeering and conspiring to profit in unfair credit transactions that cost additional usury is criminal. Offering products with no intent to fulfill a GOOD FAITH application is criminal and a violation with discrimination under the XXXX. My request has been : \\\\\\\\\\\\\\\\\ Remove XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ; Remove XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX ; Remove XXXX XXXX XXXX XXXX ( All 5 Hard Inquiries ). XXXX removed the credit card XXXX off of my profile that had a record from XXXX -- XX/XX/XXXX with on time payments and was in good standing. Bank of America told me it will read " CLOSED '' at all bureaus. Further, I have asked the specific accounts to XXXX to be corrected as CURRENT, IN GOOD STANDING, PAID AS AGREED on my file and to remove the specified non public personal information that is violating my privacy. I have requested all promotional inquiries be eliminated as I never authorized these, and I be opted out of Promotional inquiries. I have requested all Credit Reviews from non-authorized fiduciary relationships be removed from my file. I have requested XXXX XXXX or her Indenture XXXX XXXX pay all fees in connection to the previous notice ; there is an addition notice being generated at this time for damages from the adverse reactions taken against my credit card. I referenced this card closure in a FTC Complaint with Bank of America XX/XX/XXXX # XXXX // The CFPB received a report for Bank of America XX/XX/XXXX for closing my credit card with adverse action XX/XX/XXXX after amicably troubleshooting and exhausting the billing error disputed XXXX -- XX/XX/XXXXXXXX and finally received 1 representative ( XXXX XXXX at Bank of America XX/XX/XXXX whom remedied this by sending reports to the credit bureaus re the billing error dating to the date of receipt as XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Mobile device was stolen while out of the country, digital wallet was hacked and {$19000.00} was stolen from my Bank of America account overnight all through the digital wallet. Bank of America did require any verification for the XXXX to be transferred from my account while I was out of the country. I called Bank of America immediately within 24 hours of the funds being stolen and reported the fraud. They are now claiming that I authorized all transactions while my device was stolen, and that the amount lost is not outside of my normal spending pattern. I made a large check deposit to Bank of America made to my bank prior to my trip and they held the funds for 2 weeks claiming that the deposit amount was flagged as being more than what the account normally holds. I filed a police report and filed fraud with the FTC and provided Bank of America all of the information. They are refusing the claim and saying that they are unable to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America I am writing to file a formal complaint against Bank of America for continually denying my claims and withholding funds that I am owed. Over the past several months, I have been dealing with numerous issues related to my account and have not received adequate and appropriate resolution from your institution. I am owed over {$30000.00} which has been wrongfully denied for several times. I have made repeated attempts to file a claim for the funds but each time my request has been unjustly denied without proper justification. Furthermore, I recently discovered that I had attempted to file a claim over a year ago and was assured by Bank of America that my claim had been opened. However, I later learned that this was a lie as the claim was never processed or even acknowledged by your institution. In my pursuit of resolution, I also sought help through the XXXX XXXX XXXX and I was advised by a Bank of America executive to contact them directly. Despite my repeated attempts to reach out to the executive, I have not received a response from them. It is evident that Bank of America has been negligent in addressing my concerns and this has severely affected my financial situation. I strongly advise that someone from your institution contacts me immediately to address this matter. This is my final attempt to settle this without taking legal action. This is for my XXXX account. Card # XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
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: On XX/XX/XXXX, I discovered a fraudulent charge on my Bank of America XXXX credit card. I immediately contacted BofA to dispute the charge via their main phone number ( XXXX ) as listed on my card. A customer service rep took my report and a " fraud dispute '' was placed on the charge, and the sum ( {$1900.00} ) was refunded to my account. The dispute went into investigation by BofA. About a week later ( on XX/XX/XXXX ), I received a voicemail, ostensibly from the merchant responsible for the charge, XXXX XXXX XXXX, XXXX. The person on the voicemail claimed to be the company owner ( XXXX XXXX ) and stated that a fake account had been made in his company 's name, and that that was the account that had charged me. I did not call him back ; I had no way of knowing whether or not this person was who he said he was. ( A web search indicated that the phone number indicated by caller ID checked out as legitimate for the business. ) The caller indicated the location of the business as XXXX, XXXX ; as I live in XXXX XXXX, XXXX -- XXXX miles away -- there is no way I would do business with a home services contractor from so far away from the only property I own. I believe this fact backs up my claim that the charge is false. On the morning of XX/XX/XXXX, I received notice from BofA stating that my claim was denied. BofA 's letter cited " The merchant provided documentation confirming you received the merchandise or service '' as reason to deny the fraud claim. The bank reinstated the charge to my account. Attached to their letter was a copy of an alleged invoice, as part of a " DISPUTE RESPONSE PACKET FROM XXXX '' ( XXXX, the payment processor ) that allegedly confirmed the transaction as valid. However, there is no indication on the invoice of what product or service was supposedly rendered by this contractor, nor is there any signature or any other recognizable authorization from me on the document. The XXXX paperwork merely affirms that the transaction took place -- something everyone already knows because the transaction showed up on the account! I contacted BofA that morning, and I was given by another phone rep a " direct line '' number for their " Existing XXXX Claims '' department, XXXX ( which was not open on that Saturday ). On XX/XX/XXXX, I called the direct line and spoke to a representative from XXXX, explaining that the information in the letter was inaccurate, that it is IMPOSSIBLE for me to have contracted with this XXXX the Builder in XXXX for any service, and insisted that the fraud case be reopened. I played the recording of the voicemail for the representative, who confirmed that she could hear it, and that my call to her was being recorded, so BofA would have the recorded voicemail for reference in the reopened case. The phone representative assured me that the case would be reopened. However, as of today ( XX/XX/XXXX ) the reinstated charge for {$1900.00} remains on my account, I have received no notice of any action by BofA, and BofA 's online site still indicates the fraud claim is " resolved. '' In the interim, my billing cycle has closed, with the fraudulent charge included on my latest bill, leaving me open to being charged interest and penalties if I do not pay the amount due, including a sum THAT I NEVER AUTHORIZED FOR MY ACCOUNT. When I made a follow-up call to Existing XXXX Claims, I was informed that, in response to my previous call, the case had been reopened and that the reopened case had once again been rejected and deemed closed " by the XXXX. '' I asked for a human responsible for the investigation to contact me so I can review the materials of the case with him or her. I was informed someone would call me, but that the call might not come for " XXXX XXXX XXXX weeks. '' As of this moment, my fraud claim remains in limbo, at best, and is doomed to be repeatedly denied despite the facts of the case clearly indicating that I never authorized the transaction. BofA has treated this case cavalierly, without serious intent, has dragged its feet and allowed an XXXX program to make a judgment on the case despite the fact that those programs are notoriously unreliable. The bank has purposely not done a thorough investigation of this fraud, and is looking to stick me with the charge, unjustly and without merit, just to protect their bottom line. Only outside, regulatory pressure will push the bank to bring this case to an accurate resolution before I am charged fees and interest on a transaction that is not legitimate and is unauthorized. Please help prevent the bank from taking advantage of me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We are reporting unauthorized transactions in our company 's savings account with Bank of America, detected on XX/XX/XXXX. These transactions began on XX/XX/XXXX, and were identified as electronic transfers and purchases, not involving the physical loss of our savings card. Immediate action was taken by informing Bank of America, and an internal investigation has been initiated. Our priority is to understand the breach, ensure account security, and prevent future incidents. We are working closely with the bank to resolve this issue and safeguard our financial integrity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02453
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: I was told by a Bank of America branch in XXXX, NY that I could deposit a international check. I made the deposit on XX/XX/XXXX and by XX/XX/XXXX I was deposited on my account an amount way over the amount that the check had. I went to the branch and spoke with an account specialist and she contacted somebody else in the bank by phone and that person said they were going to substract the money and just deposit what I was supposed to get. To this date ( XXXX XXXX, XXXX ) I havent receive my money nor the check. All they send me was a copy of the original check I deposited. At this point I dont know if my honesty ended up with them stealing for me, I dont want their money, all I want is my money, I have principles and thats why I went to the bank because they deposited 3 times the amount I was supposed to get.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10455
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A