Date Received: 2023-09-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/XXXXXXXX through XX/XX/XXXX, XXXX, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via a XXXX XXXX XXXX, and through an intermediary named XXXX in the total amount of XXXX USD utilizing your services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received 4 letters from Bank of America about my 2 checking account that were in good standing with positive balance for close to 3 years, about the bank decision in closing both accounts. I called the number on the letter and they couldnt provide a reason for the closer or a way to reopen. The next day when to the regional office in my town and they were less helpful. XXXX XXXX and care for my elderly grandparent and parent. This is not ok. I sat in the bank for XXXX hours. The letters were generic in form looked photo copied and at first I suspected fraudulent documents but they are not. Then the letters state they may report this to XXXX and it could prevent me from obtaining another account at another bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33033
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Duplicate inquiry from XXXX from Bank of America still is not removed as of XX/XX/. They said they would remove it within 90 days. Please remove it from my credit report per the attached letter you sent me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67226
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: On XX/XX/2023, I deposited {$4000.00} cash ( XXXX dollar bills ) into the ATM at Bank of America in XXXX, Fl on XXXX XXXX. When the transaction was complete, it showed a total deposit amount of {$2000.00}. I called the customer service number immediately and started a claim while parked at the ATM. The claim was started 1 min after the failed transaction. The lady told me it would take 10 business days to get the dispute taken care of. After 10 days I called to check the status of the claim. The customer service agent said there wasnt any changes to the claim yet but to wait to get a response on the XXXX of XXXX. I called today and the customer service agent said the case was closed and they didnt find any extra cash in the ATM, therefore denying me the missing {$2000.00}. I asked for details they found on the camera and she was not able to verify what the verification process was. She stated that sometimes they cant tell by looking at the camera. They also claimed they didnt find any extra cash while auditing. She did open a new claim to see if Bank of America will reconsider the case. No financial relief was offered and no detailed reason as to why the cash was not accounted for. This is not the first time this has happened with this bank/ location. Last time it was resolved within a weeks time but declining it this time is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I encountered a very strange problem. The Bank of America suddenly closed my account on the XXXX of this month and refused to provide any further information and reports. When I deposited money in the Bank of America, the service staff of the Bank of America told me that under any circumstances, as the person in charge of the account, I would enjoy all the rights related to the account, but I was closed the account without any knowledge and the funds were frozen. I asked to solve this matter quickly. This kind of freezing behavior has brought great trouble to my work and life. At the same time, my recent failure to pay will cause the breach of contract of several jobs, which will bring completely unnecessary legal compensation risk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I logged in to my B of A website to bring the account current for XXXX. A page appeared entitled REDUCED PAYMENT PROGRAM. It offered to reduce our payment from {$190.00} to $ 91 monthly and the interest rate to 2.50 % for a period of 60 months. I checked the ACCEPT box at the top and submitted a payment of {$91.00} which was cashed on XX/XX/XXXX, thereby finalizing the enrollment process before XX/XX/XXXX as required in the contract. I signed at the bottom agreeing that I was entering into a binding contract, and they then closed my account as the contract stated they would. They then immediately submitted a derogatory credit report stating I had not made a payment in XXXX which was untrue their own website reflects receipt of two checks in XXXX : {$180.00}, an {$91.00}. I called the office and the call was handled by four different agents, all four of whom practically called me a liar, all four stating that B of A has no such program and that I had not signed a contract. I was told that if I could find the contract I should submit it. Well, here it is attached. The post to my credit report states that the account is CLOSED and the balance of {$4800.00} is CURRENT as of XX/XX/2023. I have a signed contract that calls for {$91.00} payments but ALL B of A employees deny they have such a program. The account is CLOSED according to XXXX which ruled in my favor when I didputed the XXXX misinformation and I certainly feel I deserve a letter of apology for false credit reporting which caused XXXX XXXX score to drop XXXX XXXX. They now have again falsely reported I didn't make a XXXX payment. They have destroyed my credit as I have an EXCEPTIONAL PAYMENT RECORD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: Every week when my money would hit, I had to pay thing and I would make like two or three transactions and the card would freeeze and sometimes I couldnt unfreeze for some days and as a result it would mess up my automatic withdraws without me knowing and would make my payments delinquent sometimes even cancel service..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95661
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023, BOA ran a hard inquiry on my personal credit report with XXXX. I was applying for a business account using my business 's XXXX number. My business 's credit report should have been run not my personal credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 183XX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, our debit card was used for fraudulent purchases totaling {$540.00} ( XXXX different transactions {$170.00}, {$170.00}, and {$180.00} ) at XXXX On XX/XX/XXXX and XX/XX/XXXX, Bank of America ( BOA ) issued temporary credits to offset the amounts and closed our debit card ( closed XX/XX/XXXX ). By letter from BOA XXXX XXXX department dated XX/XX/XXXX, we were informed that they were " unable to approve '' our recent claim. They also informed us in that same letter that the temporary credits would be reversed on XX/XX/XXXX. On XX/XX/XXXX, we faxed additional documentation to the BOA Claims Resolution department showing evidence that supports our claim. On XX/XX/XXXX, BOA reversed the temporary credits ( as they stated in the letter dated XX/XX/XXXX ) and left our bank account with a negative balance. On XX/XX/XXXX, we contacted the BOA Claims Resolution department at a phone number provided in the letter, and we were given run-around answers by the many people we talked to, many of which were rude and very unhelpful. They kept saying they couldn't reverse the credits and that they would send messages to the Claims Resolution department with the information we were sharing. One person ( who was the most helpful of all ) took note of the details that we provided about the case, and he said he was convinced that we should not be liable and that he was requesting that the money be put back into our account. He said it would be a few days. On XX/XX/XXXX, we were expecting the money to be back in our account, and to our surprise they had hit our account for another {$180.00}, now bringing our account balance more negative and totaling {$720.00} that they now owe us. Upon discovery, we contacted the XXXX XXXX department yet again to be give more run-around answers leading us to believe it might take 45 days for the additional information to be evaluated. We were also told that the bank would not be issuing temporary credits during the waiting period. Meanwhile, our account has a negative balance. We repeatedly asked for phone numbers or to speak with someone at the bank that could help us, and we were repeatedly told that the people in the investigation department were unavailable by phone. Really? How ridiculous that BOA would employ such a process. Details pertaining to the fraud are as follows : - the purchases were made at XXXX by someone at an IP address traced to XXXX- we live in XXXX, and we were traveling at the time in the state of XXXX XXXX provided copies of our airline itinerary along with debit card transactions that we initiated in XXXX while on our trip.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I randomly received a XXXX XXXX Visa Signature, Bank of America card in the mail, but I did not apply for the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77079
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A