Date Received: 2023-12-29
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: XX/XX/2023, I purchased a service from a merchant with XXXX $ but soon I asked the merchant to refund since I decided to cancel the service, the service never really started. But the merchant kept evading my refund request, I have to contact my credit card issuer Bank of America to dispute the transaction. After couple weeks the bank refused my dispute with some letters from the merchant about some ridiculous refund policy which I never seen before when I make the purchase, this is purely false marketing of the merchant and technically a scam, I can't believe the Bank of America was not able to recognize this.
Company Response:
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: Bank if america issued me a debit card for my XXXX benefits to be deposited to several times I was locked out if my account and unable to use the money I had. a settlement check was issues to me but was sent to my old address and returned to the bank. I called them to try to change my address so it could be resent but I don't have the same email or a phone in my name for them to send a code to so they couldn't verify my identity or change my address they told me to go into a branch but I now live in XXXX and there are no branches here so they basically told me oh well. my ss # XXXX dob XX/XX/1986 address on file with bofa should be XXXX XXXX XXXX XXXXXXXX ca
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 56560
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: XX/XX/2023 I entered the Downtown branch of Bank of America in XXXX XXXX. I transferred XXXX from my savings account ending in XXXX to my checking account ending in XXXX. The transactional balance was only {$930.00} in which I requested the funds in total of XXXX with My XXXX XXXX. She confirmed the amount that she saw was only {$930.00} available. I asked about the rest of the amount. XXXX could not explain where the charges went and confirmed to speak with her supervisor. I spoke with the Bank Manager and she confirmed that the funds were transferred to my other account. After leaving the bank I attempted to look at all XXXX of my accounts at the time. The missing funds were not on any of my accounts. I called customer service several times requesting to speak with a supervisor. I was hung up on several times. I was also advised that the charges went to overdraft fees. I did not believe it because the overdraft amounts would have been listed. I reported this error with the XXXX. A male from the corporate team confirmed with me that the charges were valid and money has not been missing. I personally do not believe that this is true and believe Bank of America is stealing money from my bank account. I would move all funds to my savings and would transfer balances as a purchased items. I would still at times be in the negative and could not explain what happened to the rest of my funds. I have reported this issue with them several times and asked for an account audit. I deposited 2 checks last Saturday with Bank of America XXXX XXXX. The Banker only deposited one check. I called Bank of America yesterday to receive a update of my deposit. I advised the customer service rep that it was a total of 2 deposits but I only see my account reflecting 1 deposit. I was assured that the funds will be available the next business day. The next business day only one deposit was available. Then later on that night all the money was gone out my account and I was left with a negative balance. The deposit was put back on hold without any notice. I spoke with XXXX from Fraud department and he could not tell me why the check was back on hold. I advised XXXX that the check was legit. I received a settlement for XXXX XXXX due to my identity being stolen. I advised him of my hardship. I then asked to speak with a superior. XXXX came on the line. XXXX XXXX was very confrontational with me and lacked empathy. He was rude and unprofessional. I asked him for customer service number and he said it very fast and then advised it was on the back of the card. I asked him if he could please provide the number. I also asked him for his name and he then again became rude and told me he advised me his name in the beginning of the call. XXXX reports to XXXX. Bank of America continues to send me new cards without me requesting them as well. I have also attempted to get more information about trying to become a homeowner. From a recorded line from a Bank of America Loan agent in NC, told me my credit wont allow me to purchase a home, nor could I afford a home. That was very mean for her to say and I cried about it. I report to the company every time I receive mean treatment and feels getting worse. Im not sure if it is something on my account that causing this type of behavior. I work from paycheck to paycheck because I am a single mom and I dont receive child support. I also have XXXX and XXXX that prevents me from going to work sometimes. This should not be a factor. I deserve to be treated fairly. I feel Bank of America has unjustified motives. I do not like being treated this way and this is taking a emotional toll on me. I deserve respect. I do feel discriminated against at this point and dont understand why their employees are dishonest. I only stayed with the bank because my father banks with Bank of America as well. I have been a loyal customer for XXXX years now. XXXX ( downtown location ) is my favorite banker and I hope she can be in management one day because she would make a world of a difference in customer service. She is very nice and respectful. The downtown location has always treated me kindly. I have had the worst customer service experience calling the call center.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30741
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened an account with Bank of America maybe 45 days ago. XXXX XXXX XXXX XXXX I started shopping more which is expected. Suddenly my card was being blocked on websites without warning or calls from Bank of America. XX/XX/24, I ordered a new card and used XXXX to continue my shopping and Bank of America stopped allowing me to do that or use my money at all. XXXX, I called and spoke/ transferred to about six people including one supervisor. Only one representative was able to assist me to get into my account with a forced authorization code issue that BOA can not send to me because of their system. After asking the supervisor to stop this activity or explain while telling him I would close my account, he retaliated by blocking access to my account. Not sure how a bank can legally do this and play with consumers accounts without reason and after confirming personal information for everyday regular purchases. I dont have time to sit on 20 plus hold for codes for simple purchases.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I closed my account with Bank of America approximately XXXX years ago. When I closed it I paid the balance due ... .twice unbeknownst to me at the time. approximately XXXX months ago I received a statement from BOA indicating the credit balance. I called them and they acknowledged the credit balance and said a refund would be in the mail within XXXX business days. Those business days came and went. Shortly thereafter I called again and was assured that the refund would be processed and send to me immediately and I would receive it in the mail within XXXX business days. Those XXXX business days have come and gone. This is ludicrous. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06082
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Back in XX/XX/XXXX and XXXXXXXX XXXX an unauthorized user was withdrawing money from my checking account with a debit card that never got to my possession. Multiple transactions were done without my authorization. I got a call from BOA fraud department that I was a victim of fraud and asked me for codes to verify me while I didnt have access to my account. The representative told me they were sending me another debit card federal express to be received next day. When I checked next day I never received it and I called the bank. The bank told me they never called me for fraud. Immediately I filed for claims. They transfer XXXX dollars from my savings. They also withdraw XXXX from my checking. They did multiple transactions from my checking account {$63.00}, {$400.00} and 5 transactions of {$900.00} which none of these have been refunded. They closed the claim and I reopened it. They refunded me in different claims XXXX and XXXX dollars. I am still waiting for one more claim. I need help. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: In advance of making a major credit card purchase for a vacation, I called B of A to confirm that I would get the advertised cash back 6 % rewards, and was told yes, twice. I then thanked the agent and made the purchase, as discussed with him. After I made the purchase and received my statement, I noticed that they did not honor that advertised and verbally confirmed commitment by saying they did not enroll me in the promotion, as I asked the agent to do and confirm. After a number of attempts to correct this, I cut my ~20 year relationship with B of A, as some premier (? ) level client. I have since received through my current bank, XXXX XXXX, a physical check # XXXX BofA sent to them in our names, in the amount of {$38.00}. This is appreciated, but confusing ( no explanation ), and falls far short of their advertised and verbal commitment of the credit card cashback received incentive. I have since read in the print media that I am not the only one that may have been lured into their incentive programs that they did not honor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I signed up for unemployment and when I to an online account I found out that the reason I couldn't get my unemployment before because someone else was receiving my money. So I spoke with XXXX and was told to contact bank of America to get my missing money. I filed a claim with them on XX/XX/ 2023 for XXXX and then received three letters stating that they closed three claims on the XXXX and I didn't filed any of them so I called and they didn't tell me when they were filed or when and the claim I did filed was closed also. But I never received a letter for my claim I filed and was told it was closed the same day I filed and was not given an explanation as of why. They won't send me a card and I don't know why. They will not give me an answer as to why they did any of this. I tried to file for unemployment at the time but was just told I couldn't .And when I filed two months ago I found out that the reason I couldn't is because someone else and I don't know who was receiving my money but was never informed of that when trying to file. They closed my claim the same day I filed and I never was told why or got a letter. I don't understand why they closed my claim the same day I filed but I know for sure that I never received any of that money and who ever was stoped receiving it because they had no way to identify me. There no way they investigated my claim In a couple of hours. I was told by XXXX to file my claim but bank of America is not completed my claim without paying me my money or taken the proper way to complete my claim I want to do this the right way but the people in the claims department is making things difficult for me. I can talk to my lawyer to see if I can file a lawsuit against this bank. I read the injunction that was filed and I see that this bank is no following the rules of that injunction. I was never given an explanation, provisions credit, or my claim was never investigated at all. I swear that this statement is the truth and nothing but the truth so help me God.thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: My Credit cards were closed by Bank of America on XX/XX/2023. I cant collect my cash rewards from my account. Its about {$380.00}. I keep call BoA but their associates only said I cant get any rewards because of closure. Its unfair for me that the closure without any notice. I used the credit card to collect cash rewards and now BoA stole it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19713
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Bank of America shared my information to nonaffiliated third parties without giving me the option to opt out or receiving my written consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 933XX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A