Date Received: 2023-11-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I have sent multiple emails to the client care rep at Bank of America with no response. Below are my attempts to get in contact with someone as well as how I was treated by customer service. They said I would not be able to open a savings account at Bank of America 'for the rest of your life. ' See Below : I sent an email voicing a complaint that BOA refused to open a savings account for me 'for the rest of your life ' according to XXXX operators I spoke with. I have been a BOA costumer since XXXX to present and never received such negative treatment. Today, a person by the name of XXXX sent me a message assuring me that I would be contacted by someone at XXXX. XXXXXXXX XXXX message was deleted from my account. The person I reached at the number XXXX gave me is not a bank. They had no clue what I was talking about. All I have asked is to start a savings account. I live in XXXX and the closest BOA brach is XXXX hours away in XXXXXXXX XXXX I them received an email from someone to call a number in response to my concern. By the time I opened my phone to call the number, the email had been redacted and disappeared. You are illegally ignoring my concern leaving me no choice to report you to the FDIC, go through the Federal Reserve 's Complaint process, and essentially ask for advice from a bank fraud examiner. I simply would like to open a savings account. This is a mature, professional matter that I expect you to treat as such. XXXX XXXX XXXX, XXXX, XXXX -- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXX, XXXXXXXX XXXX Subject : Update Savings Account Denied To : XXXX Cc : XXXX Hide quoted text I sent an email yesterday voicing a complaint that BOA refused to open a savings account for me 'for the rest of your life ' according to XXXX operators I spoke with. I have been a BOA costumer since XXXX to present and never received such negative treatment. Today, a person by the name of XXXX sent me a message assuring me that I would be contacted by someone at XXXX. XXXXXXXX XXXX message was deleted from my account. The person I reached at the number XXXX gave me is not a bank. They had no clue what I was talking about. All I have asked is to start a savings account. I live in XXXX and the closest BOA XXXX is XXXX hours away in XXXXXXXX XXXX If you all will not help me, I have no other recourse than to report you to the Federal Reserve. I have been lied to, pushed off on someone who isn't even a bank, and asked repeatedly for help by BOA. I will give you until XXXX XXXX on XX/XX/XXXX to resolve this and open a savings account for me. Otherwise, I will report you to the Federal Reserve and anyone else that can enforce you to answer me promptly. I expect a prompt, truthful reply XXXX XXXX XXXX, XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX year premier customer, XXXX credit score, my husband passed unexpectedly. As a grieving widow I am shattered and very disappointed in the handling of my account. We have a joint checking account and use the same login to pay bills. I was told by the XXXXXXXX XXXX office, XXXX that, everything will remain the same with my checking account. It did not. I have auto pay for most bills. This was wiped clean when his account was closed. Why was it not transferred or made available to me? I brought in all Will/trust/Executor information. I had XXXX in person meetings the past XXXX weeks and, spoke with XXXX people on XXXX. XXXX XXXX XXXX XXXX opened claim : XXXX Do not tell me how much you value my business and feedback and then tell me it will take XXXX days to look into this. I was not told that you can move the bill pay data to my new login. This is what I need Now! I need to pay my bills. Why can u not assist a widow at the most vulnerable time in her life? I thought BOA was better than this. I was wrong. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20175
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-09
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Dear, I deposited XXXX cash into the Bank of America ATM on XX/XX/2023, but the transaction only showed XXXX. I put cash into the ATM and the ATM didn't give me any receipt or give me any options after processing it as usual. There's something wrong with the ATM. I tried contacting Bank of America, I submitted a dispute, and after XXXX inquiries the bank always said they couldn't find any cash. I have videos and photos as evidence. The ATM ID is XXXX. The range is from XXXXXXXX XXXX tXXXX XXXX XXXX on XX/XX/2023. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91732
Submitted Via: Web
Date Sent: 2023-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Other transaction problem
Subissue:
Consumer Complaint: Hello, I am writing to report fraud that Bank of America has committed. Here is what occured : -on the evening of XXXX, I requested to wire over 48 hours $ XXXX from my personal bank of america account to my business account at XXXX XXXX XXXX -sometime in morning of XXXX, I apparently received e-mail that there was a fraud concern from BOA and my transaction would be held. I tried to call evening of that day to verify everything as I am a reservist and was busy on base, did not have good signal. Their fraud office apparently was closed by then, which is surprising as a major bank typically has a 24 hours fraud service. -as a result of this, bank of america froze all my accounts w/ them, they did not call me to try to fix this as what should have happened, simply sent an e-mail WITHOUT hours of service to call back. -on XXXX, I called them at XXXX XXXX, clarified everything with them, and was assured that my funds would be sent out same day and that my receiving institution should have money same day. I repeatedly asked that since its a wire, will they get it right away, I was assured on a recorded line it would be. XXXX was a lie. by XXXX XXXX, i became concerned that $ XXXX was still in my BOA account and not w/ my business account w/ XXXX XXXX XXXX -I called BOA at XXXX XXXX XXXX, they informed me that the funds would leave by end of day and that it is NOT in fact a wire, which i was previously promised and lead to believe it was, that it was instead going through ACH. -I then asked if they could cancel the ACH transfer as the funds wouldn't arrive until XXXX, I needed the money before XXXX so that I could make a minimum payment on my XXXX business account. I then was assured on a recorded line the ACH transfer was cancelled. I then proceeded that evening on XXXX to making the $ XXXX roughly minimum payment on my XXXX business platinum account through my personal BOA account just to avoid late payment which was due XXXX. -I was shocked to awaken XXXX on Saturday to find my BOA balance was negative $ XXXX. BOA WITHOUT my authorization clearly lied, took my $ XXXX out of my account, and did god knows what with it. I sat in negative balance the entire weekend. I tried calling their bank line, they sent me to their fraud line, which was closed for the weekend. Unbelievable. -Because of bank of america 's clearly flagrant lying and fraud, they have made a criminal action as my money was moved w/o my permission. -on Monday, the money was NOT returned to my checking account until late monday morning. as a result of their negligence, my payment to XXXX XXXX was declined, and then XXXX XXXX as a result has auto limited ALL my accounts w/ them which will hurt my credit and harm my business 's ability to do further business. -because of their flagrant deception and fraud, I can not even appeal XXXX 's decision until XX/XX/13. I request you investigate BOA for their fraud, subpeona all my phone calls w/ their reps, which are typically recorded, sanction them, and force them to mediate this situation. I am in the meanwhile going to pursue litigation if my accounts w/ XXXX can not be undone as a result of their flagrant fraud and criminal acts of this said bank. I NEVER consented them to proceed to send my funds via ACH and they are ON record as stating they would " cancel '' the transaction, which was 1 hour before their XXXX XXXX cutoff to cancel it. They still moved the funds w/o permission and after explicitly promising they would not move them. this is a fraud. I look forward to assisting you in this investigation in any way possible. thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I logged into my account to check my balance to make sure all of my money was there because I had discovered my debit card was missing. When I logged in I found out that somebody had not only stolen my debit card but used it for multiple atm transactions. I had my card on the XXXX of XXXX and someone must have stole it that day or the XXXX. The atm transactions started the XXXX of XXXX all the way until the XXXX of XXXX I immediately called and canceled my card and disputed the transactions as soon as I noticed. On the XXXX of XX/XX/XXXX withdrawals for XXXX dollars and XXXX for XXXX were made. On the XXXX of XXXX my account shows that XXXX withdrawals for XXXX, XXXX withdrawals for XXXX, and XXXX withdrawals of XXXX. On the XXXX of XXXX it shows a withdrawal of XXXX was made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Bank of American access my credit file without my consent and took adverse action against me based on my non public information twice. first they lowered my limit and then closed my account for the same reasons both times
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
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: XXXX XXXX or XXXX XXXX I was attempting to organize my newly installed Wi-Fi and internet thru XXXX. I could not get my XXXX XXXX Acct. to load onto my system. I called XXXX which in turn gave me a phone # to call for technical assistance. I called the # and spoke to a man named XXXX. XXXX guided me thru the set up and had me click on various spots throughout the set up. Afterwards he asked me if I would like to hear an offer that would give me three years of XXXX XXXX with all benefits for {$150.00}. Being that I was given the phone # from XXXX I didn't see any problem at the time, and it would save me money. So, I gave him my XXXX # and he stated that it would take up to 3 months before my current charges for each month with XXXX XXXX would stop and the three-year period would start. I asked why he was able to do this as he was a contract technician. He stated that he was in a position to offer this deal and this deal only to certain valued customers by XXXX. I approved the transaction and XXXX again stated that it would be at least three months before this would go into effect. XXXX had stated that if there was a problem to call back at the same phone #. I did three days later to inquire about the legitimacy of the transaction. He assured me and stated if I wished we could cancel the transaction. I did not. So, a few months later I was still being billed on my other B.O.A. XXXX. for XXXX XXXX. I called B.O.A. ( I had an unauthorized charge during the month of XX/XX/2023 on the same card and I only used this specific card for unique purchases ). I think these charges have to be linked so with realizing a possible connection and the fraud I asked for a new card & #. this taking place in XX/XX/2023. I was credited for both charges, and I thought that was over with. Then a few days ago I noticed that there was a {$150.00} charge on the same card. After trying to get to the right person with B.O.A. Monday XXXX XXXX and the morning of Tuesday XXXX XXXX. I finally got to speak with XXXX with B.O.A. Fraud Services after speaking with another representative with the fraud dept. earlier. XXXX stated that they had received 27 pages of evidence where I had approved the transaction for services rendered. I asked what services were provided as per the evidence. XXXX replied that it only stated services rendered and that was what they were going with to deny my fraud claim. I called XXXX and the young girl I spoke with did not have a clue as to what I was trying to get across to her ( that XXXX had given me the phone # to call for technical assistance ). She stated that I was not signed up for the three-year program with XXXX and no payment had been received from me for such. I can not be the only person scammed like this by these individuals. I am waiting to see if B.O.A will let me appeal the decision to deny my fraud claim after I receive the evidence from B.O.A. Since B.O.A. 's decision I cancelled that specific card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76901
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: My husband and I opened XXXX checking accounts on XX/XX/XXXX. The accounts were our " house '' account XXXX and " groceries '' account XXXX. When we opened the accounts, we were required to hold an aggregate average daily balance of XXXX or we would be assessed a {$25.00} fee each month. The fee is only assessed once regardless of the number of accounts. We added XXXX more checking accounts " billpay '' XXXX and " savings '' XXXX on XX/XX/XXXX that were also linked so that their balance was included in the aggregate daily balance. We were assessed no fees through XX/XX/XXXX because our aggregate balance was above {$10000.00}. I added a fifth checking account " XXXX '' XXXX in XX/XX/XXXX. However, when the bank added the fifth checking account, the customer service agent changed which accounts were linked. There are XXXX boxes the customer service agent has to check to link and include the accounts in the aggregate balance calculation. The agent setting up my fifth account did not check them both which caused the billpay, savings, and XXXX account to all have their own individual {$10000.00} requirement ( {$1500.00} in the case of the nana account ). As a result of this customer service error, the bank assessed fines on those XXXX accounts intermittently from XX/XX/XXXX to XX/XX/XXXX ( when we realized the error ) totaling {$1200.00}. I discussed this error with a customer service representative and my understanding is that if the accounts had been correctly linked per the original agreement, we would never have been assessed a fee on these accounts. We should have only been assessed {$120.00} in fees ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) on the house account XXXX account. The bank has refunded {$75.00} in fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XXXX and Bank of America ( co-owner of XXXX ) have not provided consumers like myself with any substantial information regarding what special actions and responsibilities these companies are taking to protect consumers like myself who have been victims of XXXX 's own admitted error in processing over XXXX ACH transactions, including a XXXX direct deposit for {$5700.00} which should have been credited to my personal Bank of America checking account on XX/XX/XXXX. Neither XXXX or Bank of America have published press releases or consumer advisory text or audio messages, emails, letters, or disclosures on their respective web sites, and in addition on Bank of America 's website, online banking portal, or mobile apps. BOA had the audacity to advise customers that they didn't need to do anything!? REALLY!? Affected Customers like me still have to pay or bills, including mortgages, rent, car payments, and every other creditors. ACH continued to DEBIT my BOA Account for other transactions. XXXX lack of transparency, virtual ZERO communications with any specific information as to how customers will be compensated for overdraft and late fees for an error that XXXX has publicly admitted was their fault caused by human error. It's now been 5 days and I still have not received my XXXX direct deposit. I received a letter from the XXXX on XXXX ( dated XXXX??? ) the I would receive an ACH direct Deposit AROUND XX/XX/XXXX to make my benefits through XX/XX/XXXX " current ''!? XX/XX/XXXX!? For a payment due me on XXXX? XXXX and the Federal Reserve supposedly process or settle transa tons at least 6 times a day, and yet it's somehow okay to delay my XXXX payment for more than two weeks!? Ridiculous! BOA says they are not at fault and not responsible. Yet BOA is one of the largest co-owner commercial banks that OWN XXXX and the only privately owned ACH network. XXXX XXXX XXXX has already announced the would not charge affected customers for overdraft fees and late fees related to this fiasco? Why is XXXX and BOA giving its customers the silent treatment? When I have tried to contact BOA to ask these basic questions, I either can not reach an BOA chat or phone agent at all, or placed on hold for in excess of 30, 45, 60+ minutes only to be told they don't have an answer, or even worse get disconnected from active chat sessions or telephone calls. I'm talking about every BOA Chat agent I was able to finally to contact, including BOA XXXX NY chat agents XXXX, XXXX, XXXX, XXXX, etc. Every chat agent disconnected rather than answer my two basic questions. Same outcome with every BOA telephone agent as well. Disconnected rather than provide answers to basic questions regarding the XXXX debacle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89148
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-08
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 U S C 1681 section 602 states ''i have the right to privacy '' 15 USC 1681 SECTION 604 A SECTION 2 '' IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT REFURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTUCTIONS. '' UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT ANY PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND 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: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A