Date Received: 2024-01-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: Formal Complaint Against Bank of America XXXX Unprofessional Conduct and Discrimination Dear CFPB I hope this letter finds you well. I am writing to file a formal complaint against Bank of America regarding a series of troubling incidents that occurred during my recent visit to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ) on XX/XX/2023 and XX/XX/2023. During my visit onXXXX, I encountered difficulties completing a wire transfer despite providing proper identification and account information. The banker, who identified himself as the Assistant Vice President and Branch Manager, insisted on utilizing a smartphone to click on a texted link for verification. Unfortunately, the provided link was unresponsive, and despite my attempts within the allotted 10-minute timeframe, the banker refused second time try and further assistance. Subsequently, I scheduled an appointment for XXXX next day on XX/XX/2023 to resolve the matter. Upon arriving at the bank, I was asked to wait extensively and, upon inquiring about my appointment, was informed that the banker could not assist me and suggested I visit another Bank of America branch by the Assistant Vice President and Branch Manager. I believe this incident raises concerns not only about the unprofessional conduct of the bank staff but also potential discriminatory practices. I felt disregarded and disrespected, and I believe that no customer should be subjected to such treatment. I kindly request your offices to conduct a thorough investigation into these matters to ensure that appropriate actions are taken to address the unprofessional conduct and prevent any recurrence. Discrimination has no place in the financial sector, and it is crucial that institutions adhere to the highest standards of professionalism and fairness. I appreciate your attention to this matter and request that you keep me informed about the progress of your investigation. Please feel free to contact me if you require any additional information. Thank you for your time and consideration. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 483XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I made several attempts to contact XXXX XXXX XXXX and finally reached them by phone on XXXX and was offered a settlement of the credit card debt on behalf of Bank of America in the amount of {$16000.00} in 24 payments in the amount of {$680.00}. I accepted the settlement offer and payment plan and amount that day over the phone and also made a partial payment of {$300.00} to initialize this agreement between us and then paid the other part of the first payment of XXXX on XXXX. 3 days later, XXXX, XXXX XXXX XXXX sent a letter of confirmation of the settlement amount and payment plan and amount per month, except that they considered the partial payment as the first payment and that made the XXXX payment double, in the amount of {$1300.00}. Even after I complained to them that we agreed that the first payment was to be made in 2 payments within 2 weeks, I was never told this was considered to be 2 payments resulting in a huge last double payment. Regardless, I still continued to make the payments. Since XXXX, I have paid {$4800.00} and currently owe approximately {$11000.00}. There was no mention of XXXX XXXX XXXX requiring anything else in their offer and payment plan letter dated XXXX. Six days later, XXXX, XXXX XXXX XXXX sent me a stipulated judgment to sign. So far I have refused to sign the stipulation because it allowed XXXX XXXX XXXX far too much over reach beyond a simple 24 month payment plan. I called XXXX XXXX XXXX several times and left messages before the hearing on XXXX, and finally spoke with XXXX in the accounting department that same XXXX. XXXX stated that this conversation is recorded etc., and that as long as I am making payments as agreed, no further legal action will be taken. If that is true, and since our conversations were stated as recorded by XXXX XXXX XXXX, I have no reason to believe otherwise. The question is, if XXXX XXXX XXXX stated that as long as I am making payments there will be no further legal action, then why does XXXX XXXX XXXX need a stipulation signed by me and not drop the lawsuit? To make matters worse, XXXX XXXX XXXX made a mistake on their stipulation document, the pages are not numbered sequentially and I could not get the document notarized. I went to a hearing on XXXX, same day I was told by XXXX at XXXX XXXX XXXX that no further legal action was needed as long as I was current on payments, and asked the court to have XXXX XXXX XXXX fix the page number error so I could sign the stipulation and get it notarized. I also explained to the court that XXXX XXXX XXXX 's office told me earlier in that day that no further legal action was required as long as I am current on payments. All along, I have filed motions asking the court to dismiss XXXX XXXX XXXX 's lawsuit actions, but to no avail because there is no reason to have a stipulation judgment when both parties already have reached a settlement and I am current on all payments including an extra payment. I do not believe I should have to sign a stipulation judgment unless I have defaulted on XXXX XXXX XXXX 's verbal and written settlement and payment plan offer they sent me on XXXX. I have all the documents, phone records, notes, etc. and simply want XXXX XXXX XXXX to drop the lawsuit filed against me as I believe a stipulation is not necessary and is definitely now a form of harassment due to the number of hearings I have gone to so far and now another hearing on XXXX. And the difference between what their office employees are stating to me, that no further legal action is required as long as I am current on payments, and then having XXXX XXXX XXXX still harassing me to sign a stipulation, but illegally changing the stipulation document that was already filed and mailed to me for a signature with a simple page error by adding more information, restrictions and constraints into a whole new stipulation document that is now completely different. Now if signed, it allows XXXX XXXX XXXX to garnish anything they want etc., whereas before the stipulation restricted XXXX XXXX XXXX. I need help. I am certain the judge does not want to find out that XXXX XXXX XXXX has completely changed the stipulation, instead of just fixing the page number error on the original stipulation document. This is outrageous, unjust and a complete waste of the Court 's time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: On Tuesday XX/XX/XXXX when I spoke to XXXX XXXX she read the notes in the file from XXXX XXXX. I was stunned because most of what XXXX XXXX read never happened.
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: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: On Tuesday XX/XX/XXXX I spoke to someone named XXXX XXXX who stated unbeknown to me that there is an active payment plan on my account. I was not aware and just called in to get what I was told by representatives XXXX was an approved foreberance from XX/XX/XXXX until XX/XX/XXXX explained. At which time XXXX XXXX stated there was No something contrary to what representative XXXX stated about the foreberance being approved. Per XXXX XXXX there was no approval for the requested extension from XXXX, XXXX until XX/XX/. As the customer I certainly do not know, but something is very very wrong at Bank of America.
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: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I was on a 3 month forebearance for XXXX XXXX XXXX XXXX I called before XXXX to get an extension of the foreberance ( which is allowed by my investor ) and the representative told me to call back in after XXXX XXXX On XX/XX/XXXX, at about XXXX XXXX I called and requested an extension and spoke to a XXXX XXXX who told me I would get a letter in 3-5 days. I told her the first time they put it in the computer and I was given the answer while on the phone and then I asked to speak to a supervisor. She then stated she would take my information and have a supervisor call me back in 24 to 48 hours. I asked was anyone available and she sort of laughed and said no one was on the floor. That little laugh was very offensive. Her lack of urgency in providing needed assistance due to a hardship was incredible. I was told all I had to do was call back in and then I had back in.
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: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: I applied on line for XXXX with Bank of America. Bank of America checked my credit and impact negatively on my score Without my permission or any notification on the misleading site of Bank of America. The XXXX employee XXXX not sure about her exact name.Called me with tone of XXXX disrespectful and showing off power pretending she can't say my name and telling me " I'm denying your application " When I complained, I got responses from XXXX XXXX on XX/XX/2023 and she denied anything wrong from their Bank of America checking credit without my permission and she referred me to another employee XXXX XXXX can work the loan application. I found XXXX not sure her exact name calling me back despite my complaint against her and she.threstened me in the phone that if I would record her.conversation it would be a XXXX. This proved to me that they are no control and this XXXX is discriminating me using her power without any boundaries. When I went back to XXXX she absorbed my anger but they.tried to waste my time and misleading me by asking about too many documents just to appear that they are not retaliating against me for the sake of their coworkers XXXX. While this misleading deceitful process I started apply for same HELOC with XXXX XXXX and I got approved for $ XXXX. I did not get any written explanation of denial from the most XXXX people in Bank of America. Of course they can claim anything but I'm sure they were discriminating me and denied my loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Since the summer, Ive been trying to pay my utilities bills using my. The transactions appear until midnight day off and then get your raced from Bank of Americas computer. The utility companies keep saying that the transaction is denied for lack of funds. However, theres always ample funds in my account. so even if I was double charged, there would be enough to pay several calls with Bank of America they all do the exact same thing and none of them attempt to find a mutual solution to my problem. Ive paid at least {$500.00} for both my gas and electric bill due to this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55432
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: On Tuesday XX/XX/XXXX I called back in and spoke to someone named XXXX who said it was approved for an extension for XX/XX/XXXX to XX/XX/XXXX, but the call dropped. I then called back again for a 3rd time and spoke to a XXXX XXXX for an update to the status of my foreberance and according to XXXX XXXX the only foreberance on file is the one from XX/XX/XXXX thru XX/XX/XXXX. I asked for a supervisor and he said he could send a message or transfer me to leave a voicemail. XXXX transferred the recording said the person you are trying to reach does not have voicemail please reach out by email, but no email address was provided. What kind of madness is this? I called back in for a 4th time and spoke to someone named XXXX XXXX who stated there was an active payment plan in place which is contrary to what XXXX XXXX stated. As a customer having been told so many different updates I have no idea what the status of the request to extend the foreberance is and apparently neither do the representatives at Bank of America.
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: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Bank Of America is saying an external bank made a claim towards a transfer of money which i made in my own account that i have 100 % ownership of and thats in my name was a fraudulent transfer which was wrongful in there favor because i provided documentation proving that its my funds and its coming from my account. Theyve held my funds and my account is froze with 75 days in so far. All i want is my money this does not make any type of sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Bankof america sent out ten edd bank cards to an address where I no longer lived with over XXXX on them XXXX times on a claim I filed and the person used them all they never made this person one time go get bank verified and made me for the XXXX dollars is all I received outta XXXXand still keep denying my claim when there security was faulty
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93230
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A