Date Received: 2024-01-04
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont work for the city and I never been to the XXXX nor know anyone affiliated I need those accounts taken off asap I was a victim of identity theft and its crippling me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11101
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: XX/XX/2023 XXXXReceived a letter in the US mail stating that our company XXXXXXXX XXXX XXXXXXXX XXXX XXXX had applied for a credit card from Bank of America and been denied. We did not apply for any credit card. Made 7 phone calls and spoke with 8 different people regarding this, eventually spoke with one who informed us that there was a business checking account, business savings account, and debit card issued to someone not associated in any way with our company. They would not give us any information citing privacy laws. We were told we would have to travel to another city to appear in person at a banking branch to prove who we were, what our relationship was to our company, and that we had not authorized these accounts to be opened. We made appointment and traveled to facility the next morning and spent two hours with a bank employee who was given the same run around. We did have a very old personal checking account at Bank of America and when XXXX logged into the phone app he discovered that some of the fraudulent person 's information had been cross pollinated to his personal login information ( two phone numbers and an email address ). He updated the phone app to remove the erroneous information after notating it separately to provide to police. We were told that the bank would take 90 days to complete their investigation and would be in contact with us should they require any additional information. We were told that the accounts had been opened on XX/XX/2023 by someone online and via webcam. Today we received an email from Bank of America that listed an address in XXXX and requested sensitive business information ( which we had provided the previous day in person ). We called their Fraud and Claims department at XXXX to express concern that the address was that of the fraudulent person and the letter indicated that a paper copy had been sent to the address listed. XXXX also noted at this time that the fake phone numbers and email address had NOT been removed from our personal account and so we went online via desktop computer to remove them again. We then contacted XXXX XXXX Police to file a report. We are very concerned that a random person with no ties to our business was allowed to open an account via webcam with XXXX documentation that they had any association with our company, without any personal identification ( ie, drivers license ) and yet we were forced to travel to appear in person to prove our identities and provide documents proving our association with our own company in order to have the accounts shut down.Bank of America should change their policies in opening business-related banking accounts and require documentation of business ownership/association, personally identifying information, and require the opening party to appear IN PERSON at a facility to open said accounts. This is what we had to do in order to open our legal, lawful banking accounts. The individual who opened these accounts should be prosecuted for fraud. RESPONSE FROM CFPB : This complaint lists someone the company does not recognize as their customer or their customers authorized representative. We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. COMPLAINT ID XXXX SUBMITTED ON XX/XX/ PRODUCT Checking or savings account ISSUE Closing an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75771
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I file complaint number XXXX on XX/XX/31 wherein I contacted BOA to report I lost my debit card, went into a branch verified my identity much to my chagrin where the rudest banker, on XXXX XXXX XXXX XXXX hostile XXXX. I couldnt make an appointment because I was locked out of the app. I had no idea what to do was told to call this number then accused of being rude for calling from the lobby sent to an empty office then reprimanded to move again they ultimately unlocked my account. However a new card was never ordered never sent the old lost card is still active Hours upon hours of trying to report my card lost suffering abuse of BOA employees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: ON THE FOLLOWING DATES XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MULTIPLE INSTITUIONS AND COMPANIES HAVE INQUIRED INTO MY CREDIT FILE REPEATLY WITHOUT MY EXPRESSED PERMISSION I HAVE NOT GIVEN ANY OF THESE FINANCIAL COMPANIES WRITTEN AUTHORIZATION OR PERMISSION TO INQUIRE INTO MY FILE .THESE INQUIRES ARE THE RESUALT OF FRAUD AND ID THEFT PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 USC SECTION 602 THIS IS A CLAER VIOLATION MY RIGHTS AND THIS COMPANY HAS NOT CORRECTED THESE. ERRORS
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
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/2023 two fraudulent charges were made on my credit card at XXXX XXXX in XXXX XXXX, CA totaling {$43.00}. On XX/XX/2023 one charge was made at the XXXX in XXXX, CA for {$65.00}. On XX/XX/2023 one charge was made at XXXX XXXX in XXXX, CA for {$95.00}. I did not make any of these charges. I did go to XXXX XXXX on that date and I was charged for two separate bills. I only found out about the double charge while checking my online banking account with a employee from Bank of America while canceling the compromised credit card. The employee assured me the fraudulent charge of {$95.00} would be taken off the account but it was not. I reported these fraudulent activities as soon as I received the paper statement in the mail. There was an additional online charge of {$150.00} that Bank of America did eventually credit me back. The remaining {$200.00} total that I owe for the four fraudulent transactions is now being charged interest since I refuse to pay for these four charges. I have reached out to Bank of America numerous times and spoken with several different managers about my claim and my denied appeal. I did take the names of the managers and employees I spoke with at Bank of America. I asked the most recent manager I spoke with at Bank of America to please explain to me whatever info she had about my denied claim and appeal. She told me the purchases were all made using chip to chip transactions and because I still had my credit card that it had to be me and the case is now closed. Other reasons used to decide against me were the sequence code matches the chip on the credit card they claim, but again no proof to back it up. The final reason used to decide against me was that they stated I logged in numerous times to my online banking account through Bank of America and I should have been able to catch the fraudulent activities sooner. On both letters mailed to me by Bank of America about my claim it states that, '' we confirmed your card was used for the charges. The chip was read, your pin was entered, and or you signed for the merchandise or service which indicates you or someone you allowed to use your card was present. '' The first manager I spoke with told me that it is not very common but she had heard of criminals being able to scan chips and duplicate onto another credit card and use. The last manager I spoke with said that the other manager spoke out of line and she was completely wrong because it is literally impossible to scan or steal the identity from a chipped credit card. I asked for proof of my signature or camera footage or anything that would show me or my signature but again they said the case is closed so they cant provide that information. I have filed police reports in XXXX XXXX, XXXX, and XXXX. I have also filed a claim with Identitytheft.gov. I have reached out to my local investigative journalists at XXXX. I have spent many hours dealing with Bank Of America for these fraudulent charges and have had to take time off from my job without pay to attempt to resolve this issue during Bank of Americas open hours of operation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Today is XX/XX/XXXX. I observed all transactions from XX/XX/XXXX as finalized, processed, and settled in my Bank of America account. I had a balance of {$1.00} on XX/XX/XXXX in the app. I got a regular deposit on XX/XX/XXXX. Immediately after the regular deposit posted, charges that were settled more than 5 days ago, are now showing as " processing '' and were debited as from the regular deposit amount. The amounts were showing on XX/XX/XXXX previously paid and settled. I contacted the fraud department for query and an explanation of why this was happening. I was told because of the holiday, the amount was not taken until XX/XX/XXXX. However, had that been so, the account 's previous balance on XX/XX/XXXX would have been higher than the {$1.00}. I explained that I am not an account, however, it appears I am being double charged by the bank and the line items are being manipulated in such a way to justify the bank double charging me for already paid transactions that I saw before the regular deposit was made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73119
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: B of a unemployment issued card Roughly around XXXX XXXX that particular event where am I and my children were left in the cold cold rain no food no bed no shower I happen to be an substantial amount of time away from home on a family trip I couldn't even get gas to go home if I wanted. Their excuse was there were no night people to handle my card when I went to the automated and when I did get someone they weren't any help anyway that costed cancellation fee and everything not including that little double dip is probably around XXXX and then another time around XXXX I had to sleep in the car because I could not get gas because they froze my car because they overdrawn for double dipping from the list to say I had to cut the family time short. that I can not put a price on it. I'd say that trip was a good {$410.00} also similar complaint about XXXX XXXX where sometime during XXXX 2022 I was once again Frozen and they have no night bankers who can do anything I don't know why they have people who answered if they can't do anything to unlock or fix issues throughout the night especially for people who are traveling it was needless to say the most disappointed I've been in tricounty
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96003
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: On XX/XX/2023 I returned a call from Bank of America and spoke to someone named XXXX. She stated A letter was sent to you in the mail yesterday with no other explanation. XXXX was short, dismissive and reluctant to provide any other details. I then asked what does the letter say? She was very difficult to communicate with. XXXX stated on XX/XX/XXXX I was approved for an extension of the forbearance. I then asked what are the available terms for payment under this forbearance? XXXX stated no terms of payment are known at this time. I then explained upon the first forbearance the available terms of payment options were made known. XXXX just kept repeating the same boiler plate template statement, i.e., no payment options are known until after the forbearance is over. I then stated again, the payment options were available at the time the first forbearance was requested. She just kept repeating the same thing at which time I asked she reach out to a supervisor to confirm. She did not. The investor my loan is with has in writing what the payment options are and they should be disclosed by Bank of America upon extension. It sounds like Bank of America has no idea what my investor has set up as to terms. My investor is XXXX XXXX ( see attachment explaining payment options ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Fraud or scam
Subissue:
Consumer 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/2023 and recall wire was sent several times from XXXX 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 XXXX 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 Business and Personal 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/2023. 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: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: We had a car broken into. The thief stole credit cards, purse and wallet. The card within an hour was used at a local mall and combined spend over {$1000.00} within a few hours. Once we were alerted by the card of high transactions, we froze all cards. Police report was filed and theft was reported. Reported the theft to Bank of America and requested new card. They reversed charges, today after a month they reversed charges to our account claiming we gave the thief permission to use the card. We sent in police reports and validated that these claims are completely false. We have no idea who broke in nor would we allow them to use the cards they stole.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A