Date Received: 2024-01-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed by 2 different people taking money out my checking and savings account using XXXX transfers. Both transactions of {$1700.00} each were taken out of my account from 2 different people claiming to be from Bank of America fraud department. They even called from the " XXXX XXXX Bank of America fraud phone number XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2023 I filed a claim with Bank of America for charges unauthorized on my XXXX card. They informed me I would have to file 4 separate claims which we did. 1.Claim Number : XXXX {$7000.00} 2.Claim Number : XXXX {$130.00} 3.Claim Number : XXXX {$2000.00} 4.Claim Number : XXXX {$13000.00} Claim listed as ( 1 & 2 ) was approved and the rest was reconsidered. Then ( 3 ) was approved after 20days and ( 4 ) was denied and reconsidered again. Ive submitted a Police Report with XXXX PD for the ( 4 ) because BOA said it would help with the claim. They continue to deny the claim which I do not understand. The claims were filed the same day for the same reason and should all have the same result. Ive filed a complaint with the bank and appealed the decision 2 maybe 3 times. Spoke to supervisor who left notation that the claim needs to be treated as the same for all claims since they were all submitted same day with same cause. Ive submitted documents to support my claim and police report along with copy of my Drivers License. 3 claims have been resolved but the 4th which is the largest is being rejected. This doesnt seem fair. These disputes were for unauthorized charges and they should have all be treated equally. Please help with issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92805
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
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: I was the victim of identity theft on two Bank of America credit cards ; one was a VISA and the other was a Mastercard for small business. For the VISA, I reported the fraudulent transactions to Bank of America. The agent advised me to destroy the credit card and that they would send a new card to me. When I went into my wallet, I found that the card was gone and had been stolen. I reported this to the agent, and the fraudulent charges were credited back to my account on XXXX in the amount of {$3400.00}. However, on XX/XX/ the fraudulent charges in the amount of {$2900.00} were added right back into my account! For the MasterCard for small business, I reported the fraudulent transactions to Bank of America. The agent advised me to destroy the credit card and that they would send a new card to me. When I went into my wallet, I found that the card was gone and had been stolen. I reported this to the agent, and the fraudulent charges were credited back to my account on XX/XX/ in the amount of {$4700.00}. However, on XXXX, the fraudulent charges were reversed right back into my account! I am refusing to pay these fraudulent charges, and understand that the VISA and MasterCard products expressly state that customers are not liable for fraudulent charges. Why, then, does Bank of America continue to blame me, the victim of the fraud, for these charges? This bank is absolutely horrible, and even though I have been with them for 35 years and am now a " Gold '' status member, I am looking to leave as soon as I get these fraudulent charges fixed. Shame on you, Bank of America!
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: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I initiated at XXXX transfer from my XXXX XXXX account to my Merril XXXX XXXX. While the transfer is being initiated, I have been trying to link my bank account to Merril XXXX on the XXXX, XXXX, XXXX, XXXX, XXXX, and the XXXX and I was told that I could not. On XX/XX/XXXX, I was told to send in a Eform with my account information and wait 24 to 48 hours and that my account will be linked. On XX/XX/2023, I called Merril XXXX asking for an update and the representatives tell me they dont know why my account has not been linked yet, that they will escalate this issue. That I should wait 24 hours and it should be linked. On the XXXX, after seeing my bank account still not linked, I requested a wire transfer withdrawal to my XXXX business account. On XX/XX/XXXX, I wake up to see my account has been disabled, and when I called, the representatives told me that my account has been under review for a couple days now and it will take 10 to 15 business days to review my account. Until then I am unable to log in and retrieve my funds. Merril XXXX has been harboring my funds and has not provided me any update. Due to unforeseen circumstances, Ive been trying to withdraw my funds and they have made it a hassle. If my account has been under review, why would they allow the XXXX transfer in the first place? Calling support has been a issue because they all say wait 24 hours for no prevail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America XXXX Gave stranger thief a credit card under my social security number for XXXX and even increased recently to XXXX. They are not doing anything about my complaints, identity theft filed, phone calls, emails, nothing to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 996XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I emailed XXXX XXXX to tell them I'd been double charged for the same transaction ( identical debits ... XXXX ). They responded saying they refunded my purchase, and the debit to my account is nowhere to be found on my checking debit history. Bank of America is permitted to manually alter the balance of my account without reflecting my list of transactions?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95401
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My XXXX loan balance is reflecting as {$120000.00} on my credit report and my XXXXXXXX XXXX credit History. It should be {$56.00}. My loan was transferred from XXXX to XXXX. I have spoken with XXXX and they have my total loan as {$56.00}, XXXX as it should be. I have called XXXX several times over the last 2 months and there has been no change. I am in the process of purchasing a home and this needs to be corrected ASAP. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: My account was closed on a decision of Merrill Lynch, once its balance got below its minimum for XXXX XXXX XXXX Clients in XXXX, where they send their agents to open new brokerage accounts, without being authorized by the XXXXXXXX XXXX XXXX. I opened such an account over 25 years ago with number XXXX ( later echanged to ) access code XXXX, and suffered extensive losses, whiche led to my balance getting below the minimum required by Merrill for their XXXX clients. I was asked to provide information on where to send my stocks and cash. I provided the information for my Brokerage Account at XXXX XXXX XXXX XXXX Many months later, I received the aforementioned check for {$34000.00} ( attached ), which arrived with many months of delay, when it had already probably expired because it had been sent by snail mail. which doesnt work in my Country. All our previous communications had been via XXXX XXXX XXXX XXXX, XXXX, XXXX ). I tried to cash the check unsuccesfully through my XXXX Account. Through the previous 4 years, I have contacted the XXXX Branch of Merrill Lynch, only to be told my account executive XXXX XXXX XXXX, then head of that branch, no longer worked there. I was routed to a Corporate Office, where I was told they would replece the check, and a year later someone else said they had not been able to do ot because the funds had been transferred to a " concentrating account '' and a long process required to retrieve them and issue a new check, which to date I have not received. This week, my call was routed to the XXXX XXXX XXXX XXXX, who said they could no longer locate my account because it had been " purged '', though the access code number was still traceable. I was told they would start an internal Customer Complaint but refused to give me a reference number or any means to follow up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 119XX
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Looking for your agent to get an evidence report from Merill XXXX to see the hacker how to hack my account. SO far, there are six months over, I still can't get any formal response from Merrill XXXX yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquiries on my credit report that I would like removed within no later than 4 business days as per U.S code1681c-2 - Block of inquiries resulting from identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06040
Submitted Via: Web
Date Sent: 2024-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A