Date Received: 2024-02-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I made a payment online for the full statement balance to be paid on the due date. The Payment was not processed by the bank and I was charged a late fee of {$39.00} and an interest charge of {$74.00}. I then received a late notice and made the late payment amount specified.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hi, I closed my Bank of america XXXX credit card in XXXX, 2023. However, I have not yet received my security deposit of {$200.00} back since then. I have called bank of america multiple times regarding this, but they simply kept me waiting, or claimed that they have issued a new check, which never arrives.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 029XX
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I On XXXX I signed a contract with Bank of America. Nowhere in the contract did it state that I had the ability to opt XXXX of Bank of America from disclosing my personal information to third party companies. I On XX/XX/2024 I wrote a letter to Bank of America and the credit reporting agencies making them aware that I was exercising my rights as a federally protected consumer and that I was rescinding my permission to share my private non-public personal information with any third-party company including the credit reporting agencies. I sent another letter through the CFPB titled " Non-Negotiable notice of permission to share private information '' dated XX/XX/2024. in the letter I let them know that I formally rescission all previously granted permissions for Bank of America and their agents to share or report my private information to any third parties including to credit reporting agenciesThis decision is effective immediately upon your receipt of this NOTICE which they received the notice on XX/XX/2024. Bank of America then responded on XX/XX/2024 that based on their review all of the account details are accurate and that they will not be adjusting their reporting like I had requested that they considered my dispute resolved. XXXX. LEGAL CLAIMS Violation of the Gramm-Leach-Bliley Act : Title V : Privacy 15 U.S.C. 6802 - Obligations with Respect to Disclosures of Personal Information. 15 U.S.C. 6802. Obligations with respect to disclosures of personal information ( b ) XXXX XXXX XXXX such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form, that such information may be disclosed to such third party. XXXX the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information is not disclosed to such third party ; and XXXX the consumer is given an explanation of how the consumer can exercise a non-affiliation disclosure opt-out right provided by the financial institution under this paragraph. This legislative text establishes a foundational privacy protection framework, giving consumers control over the sharing of their personal information by financial institutions with third parties not affiliated with the institution. My Privacy of my personal information was violated when I wrote a letter exercising my right to opt-out of the sharing and reporting of my private personal information to any third-party companies and the response I got did not even acknowledge the contents of my letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33441
Submitted Via: Web
Date Sent: 2024-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy ; 15 USC 1681 Section 604 ( a ) ( ii ) also states a consumer reporting agency can not furnish an account without my written instructions ; under 15 USC 1666 ( b ) a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The cards benefits is no foreign fees however some appeared. I tried calling again and asked for an agent. Went on the menu over and over in XXXX and XXXX. The system is set up to hang up. This most end. Customers must have a way to reach a human without any issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Bank of America closed my credit cards ending in XXXX, XXXX, XXXX in late XXXX 2024. My credit cards were subject to unauthorized activities during that time. And I attached evidence to this complaint showing that my passwords, online banking access, as well as a sheet containing my credit card numbers have been compromised. Instead of protecting cardholders who have established long-time relationship and shown great loyalty, Bank of America chose to close all their card accounts, despite the fact that I, as the cardholder, am by no means at fault here. Evidence includes : 1 ) XXXX XXXX certifies that bad actor hacked into my account and stole my points, 2 ) XXXX XXXX notified me that hacker attempted to log into my frequent flyer account and answered the security question incorrectly, XXXX ) XXXX XXXX XXXX detected passwords leaked in the dark web, and 4 ) XXXX XXXX notified me that hacker attempted to change my password.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77004
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: From XX/XX/year> ; thru XX/XX/year> bank of America made my debit card funds unavailable to me.they sent me a lousy {$230.00} check for compensation I requested more for loans and interest I accrued due to them making my money unavailable. They asked for more documents I submitted them didn't here anything for 3 months despite XXXX phone calls. I filed a complaint with you and XXXX weeks later the denied my request..is n't that fishy ... due to my complaint that's why they denied me..where 's the justice in this! Now I have to hire an attorney and fight this..thank you so much I appreciate it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96080
Submitted Via: Web
Date Sent: 2024-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I was a XXXX ( XXXX XXXX XXXX XXXX ) student in XXXX ( Maryland XXXX XXXX XXXX XXXX ) from XXXX. I left the USA in XX/XX/2015. I left some deposit ( {$1500.00} ) in my BOA checking account, assuming I was going there someday, but now I would like to transfer the amount and close the account. However, now I try to log in, I am getting blocked from accessing the account due to lack of my personal information. But now that I live in XXXX XXXX, It is impossible to visit the branch. I made a phone calls a lot of times ; they did try to help me, but their respond is always the same " lack of information ''. BOA did not request any personal information in the process. I can provide the all the information that the owner of the account is myself ( SSN, account #, Name, passport that I used when opening an account, etc ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: I received an email on XXXX XXXX stating that there was suspicious activity on my account. I checked my account and noticed there were several charges on my account that were made in New York while I reside in California. I contacted the bank and informed them on XX/XX/XXXX about these charges along with additional charges made on my account. They informed me that they would stop the ongoing charges as they havent been processed yet and will initiate a claim for the posted charges. When I checked back a few days later they had not stopped the charge and the money was taken out of my account. They told me that the claims process would take up to 90 days. I contacted them again a few days later and they informed me that the claim was denied. When I asked for the reason why my claim was denied they refuse to provide any additional information. I faxed them bank statements from my other cards showing that I had made purchases in XXXX XXXX when those charges were made on my account in New York. When I asked about the fax it was clear they had not reviewed them. Bank of America Prepaid is not actually reviewing claims as it took them about three days to deny my claim. I reached out to the merchants in New York and they stated that no one from Bank of America reached out to them. Bank of America falsely advertised that they review these cases when its clear they dont.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX while a pedestrian. I was taken by ambulance to the hospital with a XXXX XXXX My wallet was never located but my card with Bank of America EDD account was used for over {$440.00} in charges. I filed a claim as soon as I was made aware of the fraud as my phone was shattered and it took time to replace. I have repeatedly requested all documentation that was used in the denial of my claim. They repeatedly send me a bank statement with no documentation explaining how this was used. They were unable to secure any ATM footage showing the ATM withdraw and claim I or someone I allowed used the card. They have failed to prove in any way there was no fraud. I have sent the claim to be reviewed and keep getting denied and even after filing a complaint with cooperate they just keep denying the clams and not producing the documentation and evidence they relied on to keep making the determination. It is illegal for any bank to withhold any documentation they used, or claim to have relied on. Yet they still wont produce a ATM video, evidence placing me with my stolen card, or have an explanation of what proves it wasnt fraud. As is law, the bank must prove conclusively that a transaction was valid and that the claim is invalid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95628
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A