Date Received: 2023-12-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I've experienced repeated issues with Bank of America 's autopay system, resulting in its arbitrary cancellation of automatic payment without notice. This recently led to two late payments on my personal credit card account without my knowlesge. Although the bank reversed the fees, the late payments were reported to credit bureaus, negatively impacting my XXXX XXXX XXXX. This erroneous reporting caused by a documented system flaw now endangers my other credit lines. Despite a perfect payment history, my account was also closed without prior notice. My problems with the autopay system have been heavily documented and confirmed by the bank, despite this they are refusing the 60 day late report to the credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I opened an automobile loan with Bank of America on XX/XX/XXXX, and the account was added to my mobile banking. I have a payment method already added to my Bank of America ( XXXX ) mobile banking app. It is an external account that is linked to my Bank of America credit card. When I attempted to pay this bill online several weeks ago, it gave me a message that no bills were due, and there was no option to add the auto loan as a payee from my existing external bank account mentioned above. So I waited. Then, on Friday XX/XX/XXXX I checked again and had the same message. I figured the option to pay, then, would show up once the due date of XX/XX/XXXX had arrived -- but it didn't. I successfully reached a representative through their social media messaging ( XXXX ), but while waiting for a response to the problem, I went online on a DESKTOP and manually applied the payment amount due, which was posted on XX/XX/XXXX. I did eventually get a response and had already explained what was going on, so I further explained that I completed a payment online and no longer needed help. However, when I checked today XX/XX/XXXX, I could see that the payment posted ( both on the app and my Banking app ) was not applied to the automotive loan, even though I specifically arranged the payment to be applied to the automotive loan. Today XX/XX/XXXX I was able to speak with a representative who assured me that my payment would be posted to the auto loan account appropriately, once everything had been processed and the payment had cleared my financial institution. Despite this resolution, the representative was still unable to give me a clear explanation about why the payment process was so difficult or why my loan did not show up as a qualifying payee account through the mobile app. Since there is the potential for others to run into this problem and face late charges as a result of this problem in the XXXX mobile app user interface, I believe it should still be documented and Bank of America should take measures to correct the issue. Please note that this may have something to do with their " eBill '' system, and you can see in the attached photo that I never received one from Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX a fraudulent charge of {$800.00} on my bank of America card from XXXXXXXX XXXX XXXX in XX/XX/22. Immediately I disputed it with Bank Of America and they temporarily refunded the amount as they reached out to the merchant. Bank of America responded XXXX and refunded the amount pending investigation. On XXXX Bank of America withdrew {$800.00} that they had refunded. They claimed that XXXXXXXX XXXX XXXX provided proof of delivery. However NO Shipping Company wasTracking Information was provided. The email provided for the company is XXXX There was no CVV response provided. He claims it was processed though XXXX and a processor called XXXX XXXX I haven't made any purchases with XXXX My card wasn't present. Bank of America is refusing to refund this fraudulent charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20010
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Back in XXXX of 2022 i had identity theft issues & there was fraud on my XXXX checking account as well as my bank of America accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made my deposit for my XXXX check from the US Treasury in the amount of XXXX on XX/XX/XXXX at XXXX XXXX at XXXX XXXX XXXX in XXXX XXXX. There is a hold placed on the deposit once again until XX/XX/XXXX. I called and got a call back from the bank to discuss the issue the man that called said there was nothing he could do. He was not able to provide me a number to their regulatory department. My account meets none of the criteria for this type of hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74112
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: First Franklin gave me an installment loan I defaulted on the loan and a judgment was granted to garnish payroll check. It was fulfilled and still showing up on credit as charge off and a ucc1 file against me with a XXXX which was never part of the Installment agreement.
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: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Business failed during CoViD. B of A transferred a Business credit card to personal liability. Garnished joint bank accounts. Failed to answer any complaint made to CFPD XXXX that you closed. They never provided you with their response. They did not disclose truthful statements to further their case. They provided non related paperwork. They appear to have created a welcome to this business credit card years after its actual inception. They have enriched the original debt I believe via fraudulent practice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted XXXX XXXX at XXXX on XX/XX/XXXX to discuss a voicemail that they had left on my cell number. I was asking the rep for information on the debt and the original company stating that I owed the debt. The rep stated that they had mailed certified docs which they did not and were never received by or I would have reached out to dispute the debt sooner. I asked for formal documentation and the rep became angry and combative. He provided an original debt date of XXXX and I informed him that I had not acquired any credit from BOA in XXXX and that this matter needed further research. The rep began raising his voice and disconnected the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37067
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am writing to express my deep concern and frustration regarding an issue I am currently facing with my Bank of America account. I believe it is crucial to bring this matter to your attention for swift resolution and to ensure the integrity of my banking experience. On XX/XX/27, I visited the XXXX branch of Bank of America to address a situation related to a {$2200.00} money order purchased from XXXX XXXX. The money order was initially intended to cover my rent, but due to a change in my rental company 's policy, I needed to return the money order to my account. Following the guidance of the Bank of America staff at the branch, I made the necessary adjustments to the money order, replacing the rental company 's name with my own, and was assured that the funds would be deposited without any issues. Upon returning home, I received a call from the Bank of America fraud department for verification purposes. I provided the necessary information, explained the situation thoroughly, and was assured that everything was in order. I was told my funds would be available the next day. To my dismay, I discovered that my account had been frozen, and the funds from the money orders were placed on hold. Confused and alarmed, I immediately contacted Bank of America customer service to seek clarification. Despite speaking with XXXX Bank of America employees previously who confirmed that everything was in order, I was informed that my account was now under investigation, and I would have to wait to call back in XXXX hours for some type of update. This delay poses a significant challenge for me, as I urgently need access to my funds to fulfill financial obligations, including rent payments. That being said, I had asked if this would affect my paycheck coming through the next day, and they stated yes since that specific account is under investigation, and I now have no money for an unexplained amount of days. In times of distress, I had hoped for a more compassionate and understanding response from the Bank of America customer service team. Despite my appeals for assistance, I have been met with procedural delays and uncertainty about when this matter will be resolved. Regrettably, the customer service representatives I spoke with were not able to escalate the issue or provide a satisfactory resolution. I am left with no options to unfreeze my account promptly or receive any form of assurance that this matter will be resolved in a timely manner. I want to emphasize that I am not merely an account holder but also a parent responsible for XXXX children. The current situation, which inhibits my access to funds required for essential living expenses, goes beyond financial inconvenience. It directly impacts the well-being of my family and places unnecessary stress on our daily lives. I understand the necessity of investigations to ensure the security of accounts ; however, the impact on my financial well-being is substantial and causing financial stress and harm instead of protecting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a 0 % APR balance transfer on my Bank of America Credit Card through XXXX XXXX. I have been making the minimum payment necessary each month, which is 1 % of the account balance. A few months ago, my account started showing payment due even though I had already made a payment. I called and spoke to customer service and they said dont worry about it, seems to be a glitch in the website, they see that I clearly made a payment that month. However the problem did not go away, and then I got hit with late fees, and the minimum amount due started doubling. Every time I call in, I am told they are attempting to collect a debt from me. When I log into my account Im told account past due. After hours of talking to them on the phone, and lots of escalations, they told me that my XXXX ( due XX/XX/XXXX ) payment didnt count. The money was taken from my bank account and my credit card balance was reduced, but Bank of America would not count it as a payment towards my minimum payment for the month, and therefore in their eyes I never made a payment and my account was past due. It seems not that my payment arrived late, but that it arrived too early - by a only a day. According to their records, the payment was requested on XX/XX/XXXX and shouldnt have been sent in until XX/XX/XXXX. However, they didnt process my payment until XX/XX/XXXX ( all of my other payments have been processed same day or within 1 business day ). Although it is very obvious to any reasonable and rational person that this was my payment for the XX/XX/XXXX due date ( it was processed by them right in the middle of the cycle, XXXX days before it was due ), and even appears on the correct XXXX statement and not an earlier statement, the bank refuses to accept that I made my payment for that month, and continues to charge me late fees month after month and tell me my account is past due. Please see XXXX statements attached : XXXX statement saying min payment due, {$290.00} XXXX statement showing a payment of {$290.00}, then claiming a past due amount {$290.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A