Date Received: 2023-07-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened my bank of america account back in 2021, I've been a victim of Identity theft and stolen checks were deposited into my bank account. They were deposit through ATM in XXXX XXXX I do n't drive and I'm not even allowed to leave New Jersey without my parents consent. The bank have security cameras and they are able to see that I wasn't the person depositing the check but they still don't want to clear to open a new account. I've submitted a claim to start an investigation and have my name clear to not ruin my background with the banks. I've never had any issues with fraud or other similar situations. I'm asking for help to clear and straight things up. I'm about to start to college and I need to have a bank account for financial aid purposes, I also needed for work to get pay. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07026
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XX/XX/2023 Bank of America Consumer Reporting Department XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Subject : Cease and Desist Reporting to Consumer Report - Account # XXXX and Account # XXXX Dear Sir/Madam, I am writing to formally request that Bank of America cease and desist from reporting the following accounts to my consumer report : Account Number : XXXX Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute the accuracy of information being reported to consumer reporting agencies. Upon careful review of my credit report, I have reason to believe that the reporting of these accounts is inaccurate or misleading. I am requesting that Bank of America refrain from reporting any information related to these accounts to any consumer reporting agency. This includes but is not limited to credit bureaus and any other entities that collect and maintain consumer credit information. I expect that Bank of America will promptly investigate the accuracy of the information being reported, correct any inaccuracies, and update my credit report accordingly. Until such investigation is completed, I request that you refrain from reporting any further information regarding the mentioned accounts. Please provide written confirmation within 10 days of receiving this letter, acknowledging your compliance with this cease and desist request. Failure to comply with this request may result in legal action being taken against Bank of America in accordance with the FCRA and other applicable laws. Thank you for your attention to this matter. I trust that Bank of America will take immediate action to address my concerns and ensure the accuracy of the information being reported. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48197
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XX/XX/XXXX Consumer Financial Protection Bureau, et al, Re : U.S. DoJ : XXXX, XXXX, XXXX FTC : XXXX CFPB : XXXX ( Nevada Division of Insurance ( NV DOI ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX Family Courts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education, Federal Student Aid, XXXX , XXXX, XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX State Bar of Nevada, Nevada Division of Insurance ) XXXX XXXX BANK OF AMERICA CREDIT CARD ) XXXX ( Bank of America XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX and XX/XX/XXXX, thus far , I received harassment emails from Bank of America , stating , The law limits how long you can be sued on a debt. Because of the age of your debt, we will not sue you for it. If I can not be sued, then why is a bank sending me mail to harass and intimidate me? Curiously, XX/XX/XXXX is also the day that the CFPB posted the article to the CFPB website, CFPB Takes Action Against Bank of America for Illegally Charging Junk Fees, Withholding Credit Card Rewards, and Opening Fake Accounts ( https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ ), as if Bank of Americas illegal business practices and protection of the illegal business practices are meant to coerce me to cooperate with Bank of Americas illegal business practices against myself and the American People. Despite my myriad reports to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the U.S. Department of Justice ( US DoJ ), the U.S. Government Accountability Office ( US GAO ), et al, a bank is premeditating libel of me and/or has committed libel of me to credit reporting agencies as defamation of my character, with the extortion of money paid from me to the business to prevent businesses actions against me. XX/XX/XXXX, creditors chose to charge off my accounts, the debts of which accrued from attorney malpractice and the violation of my Civil Rights in and by a court of law, and vehicular collision insurance fraud, resulting in this ongoing harassment, libel, defamation of my character, extortion, and stalking of my home, my person, my U.S. mail, and my online activities, while businesses generate revenue from my tragedies. Is it because Bank of America would like to be sued for the above transgressions as I have factually documented, reported, and which remain unresolved? As a repeatedly defrauded consumer and ongoing victim, when will I receive the rights and protections granted to me by the law and the U.S. Constitution? Wave your magic wand, tell your manager, whatever it is you all need to do to disentangle me from this systematic exploitation of my identity, and to be certain, without a shadow of doubt, that it never happens to me again. This is XXXX XXXX XXXX, XXXX, easily exercising his Constitutional rights and Constitutional challenges to Statutes of Limitations without hiring a lawyer or lobbyist. XXXX XXXX XXXX, XXXX -- XXXX XXXXXXXX XXXX XXXX, XXXX All Rights Reserved XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX : XXXX ( XXXX ) XXXX Email : XXXX All communications logged as harassment spam and forwarded to the appropriate agency, department, institution, et al to assist informing lawsuits regarding any and all fraud and predatory revenue creation practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My lost debit card was found by someone and they spent {$440.00}. Reported to Bank XXXX immediately XXXX XXXX. Within a week gave money back but then decided to deny two different claims I made, including letter I faxed to claims resolutions. Then took money back out of my account on XXXX XXXX. The letter said I gave permission for someone to use my card. I guess they decided I lied. I've been a customer for years and never made a claim. I'm XXXX XXXX XXXX and have no desire to lie about XXXX, which is alot of money to me. No one ever called me regarding this matter, just two denial letters. Bank of America just really didn't care, my problem not theirs. Maybe if I had big bucks they'd care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: my claim is with the bank of america with them i have my account personal more than 4 years ago in XX/XX/XXXX I opened the business account and on XX/XX/XXXX, I deposited 4 unendorsed checks, the bank contacted me by telephone to request the details of who the check was addressed to. I gave it to them and in the end they told me that it was not possible to deposit the money in my account and that they returned the money to the account that generated the check, but they did not, so they deposited the funds and I assumed that they had corroborated with each of the parties, two weeks passed and when I went to make another deposit I could not enter the mobile application. I went to the bank and they told me that they had closed my account but that the money would arrive in a check at my mailing address. The total was {$6800.00}. They only sent me {$100.00} and told me that I had to wait 90 days for the person who generated the check will not claim the money because he also has an account with the same bank, the 90 days have passed and there was no solution so who generated the check, who in turn is my boss, went to the bank to claim the money they took from his account and He never reached mine, they confirmed his profile and told us that the money was returned to him in 2 weeks, 60 days have passed and they have not returned the money anywhere, on the contrary, the thieves who are working with other people 's money without authorization are the 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: 331XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XXXX 2023 I XXXX XXXX went into the XXXX XXXX to cash a settlement check in which i was instructed too open an account through the mobile app i presented not just 2 forms of i.d . but three so my identity was verified by a representative. After a couple of days after opening my account, the mobile app was closed and instructed me to call customer service. I called customer service and they informed me that the account was closed due to an identity verification, In which i questioned how was that possible if i was in the XXXX branch and my identity was verified by a represenatitve.Once again im back in the XXXX branch and ask to see the financial manager XXXX XXXX XXXX whom took a look into the situation to only find that the back office closed my account with XXXX dollars in it and that they supposedly have mailed a cashiers check to me on XXXX 2023. XXXX XXXX XXXX and i both was working to find a solution i was in the XXXX branch on XXXX, XXXX, XXXX with XXXX as we look over the account and get a represenative on the phone to assist with our problem XXXX XXXX found the I.D . number of the person who closed the account and read the notes as to why the account was closed and the only thing that he could find was that the person closed it due to suspicious email, in which the email in question is my last name and first name XXXX there isnt anything suspious about my email. They are telling me due to there policy i have to wait 120 days for another issuance of my cashiers check even though i wasnt at fault i find this disturbing and unfair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Contacted Bank of America XX/XX/2023 XXXX XXXX Spoke with credit card agent on rewards missing from one BofA card and rewards payments underpaid for the past year. Agent not of assistance. Also mentioned the statement due date had been changed to an earlier date and if I had not noticed the change I would have been billed a late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 932XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/2023 I had accidentally made a double payment to my Bank of America Visa card in the amount of XXXX totalling XXXX. When I called BofA to ask for the second payment to be reversed and have the XXXX returned to the checking account it came from ( it came from an external checking account ) they processed my claim. At the end of the call the agent said it would take 90 days for the claim to be resolved. I was shocked that something so simple would take so long. After the 90 days I recieved a letter from BofA stating that they debited my BofA credit card and unfotunately could only return XXXX. They claimed it was because it would have made my account past due or over the credit limit. I was not past due and my credit limit is XXXX. At the time of the claim, I owed less than {$1000.00} on the card in question. Neither statements were true. To add insult to injury, I had not received the funds I used to make the payment put back to my checking account. When I called to inquire, an agent say it would take 2-5 business days. On the fifth business day, I still had not recevied the funds. I called back and the next agent said it would take 30 business days. When I asked why it would take an additional 30 days, she couldn't really explain why and couldn't expedite.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90505
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The purpose of this letter is to escalate an ongoing complex dispute with Bank of America that has remained unresolved since XX/XX/XXXX. I am reporting Bank of America to the CFPD for violating consumer laws. And as an American born citizen and a customer of Bank of America for 46 years I put my trust into the Consumer Financial Protection Bureau for review and complete resolution. During my 46 years of banking with Bank of America I have had excellent banking with an excellent credit rating. My banking transactions were notably predictable modest transactions. Then in XX/XX/XXXX due to the lack of cybersecurity BofA promises, BofA obviously failed to meet the compliance standards ( and my account was at risk caused by privileged users ). In addition, Bank of America is unable to manage and control third party vendors. Unfortunately, my bank allowed a criminal to gain access to my account. He made multiple fraudulent transactions, and it is alarming my bank does not know how to fix it. Instead of treating me as a respectable long-term customer, they have put me on the defensive by outrageously creating a fake credit card in my name without my permission to bill me for their mistakes. Below is an overview of banking complexities that would never have occurred had they not issued a fake credit card in my name. Back up documentation is available upon request. BofA failed in their critical responsibility to provide safe and secure banking. The banking breach was cause for immediate attention, but BofA has seriously declined in customer service. Ive made hundreds of calls to BofA, sent emails to VPs, made appointments in person, sent documentation by certified mail, and sent a Demand Letter to get someones attention. Nothing happened. The banking problems remain unaddressed. Phone calls to BofA are avoided through endless re-routing from one department to the next. Agents repeat the same script I cant help you, youve reached the wrong department, let me transfer you. It is impossible to connect with a bank agent, and if you finally do, they simply dont know what to do - or how to handle it. It's obvious the delay tactics are to BofAs advantage. And contracting with substandard third party services are to the bank 's advantage. Problems such as deceitful transactions can not be easily traced and the bank therefore is unaccountable. Bank of America unlawfully created a fake credit card in my name without my permission. A customer service agent informed me they went back to XXXX before I banked with BofA to create a new credit card in my name. Bank of America then duplicated charges multiple times and applied the same transactions to several credit cards. Then they sent me a bill for the fake credit card ( XXXX ) in the amount of {$14000.00}. It is not my debt. At the end of this letter, you will find a brief recap of bank mistakes and duplicated charges as an example. Statements are available upon request. These bank problems began in XX/XX/XXXX when a criminal named XXXX XXXX hacked into my account through XXXX and gained access to my entire banking. It was reported but the Fraud department did not investigate him. The bank agent informed me he made XXXX illegal transactions. XXXX {$1600.00} and XXXX {$1900.00} and a cash advance from my credit card XXXX for {$3900.00}. This banking breach caused a domino effect on multiple accounts, making it exceedingly difficult to resolve. BofA did refund Fraud activity {$1600.00} and {$1900.00} only. The fraudulent XXXX transactions caused an overdraft on my account which resulted in many other banking problems I am stuck with because the bank does not know how to fix it. BofA negligence & online bill pay managed by a 3rd party service. Someone at the bank had access to my account and during this time a {$10000.00} payment was processed to XXXXXXXX XXXX in error. Who XXXX XXXXXXXX makes a {$10000.00} payment online? That should have been a red flag for the bank, but they just let it go even though in 46 years Ive never had {$10000.00} in my account- ever. I caught it at once and called BofA XXXX Bill Pay Division ( 3rd party service ). They were extremely nervous, but they also refused to stop the transaction. Naturally, this caused overdraft activity. I was able to remedy this myself by contacting XXXX Bank who refunded the amount three weeks later. I deposited it into my checking account, and I immediately made an appointment in person at the XXXX Branch to pay off all my accounts. They gave me a confirmation number, but unfortunately, later I learned BofA applied that payment to the wrong account. Bank of America has become simply incorrigible. Bank of America then ruined my credit rating. 46 years of excellent credit went down the tubes overnight as I realized BofA would rather destroy me, than help me. Instead of acknowledging me as a long-time loyal customer, I am treated like a criminal. Their lack of banking security and incompetency put me in this awful position, and now I am left to try to defend myself without legal representation due to the unfair arbitration clause. The unfair arbitration law must change It is criminal. The surmounting stress of this unresolved bank issue has caused irreparable damage to my health. It is devastating my bank has turned against me and is threatening my future livelihood. It is a living nightmare that never ends. I received a BoA letter that states my account will go to Charge Off on XX/XX/XXXX, if I dont make a payment towards $ XXXX a debt that is not mine its not real but created through my bank misappropriating charges and credits. I must work to supplement my social security income and a poor credit rating will hinder me from gainful employment. This year, my earning ability was significantly reduced due to the hours needed to focus on fixing this banking problem. I am worried I will not be able to get credit if needed in case of a medical emergency. There is no safety net as I have no family or support ; it is life threatening as it could lead to homelessness. I am reaching out to CFPB to resolve these unlawful practices of Bank of America. For myself and millions of other customers that have had similar insufferable experiences with this bank. It is hard to understand why so many government agencies turn a blind eye to Bank of Americas unlawful practices. Even though this bank continues to be sued for billions, no one will stop the repeating criminal banking behavior. Our Banking laws must change to really protect consumers and more importantly enforced so Bank of America can no longer have the free will to destroy peoples lives. Bank of America would not provide me with any justification or accounting of the transactions so I created this chart that will illustrate the unnecessarily complex mess the bank made. They must fix it! I expect Bank of America to correct the multiple duplicated billings ; to close the illegal cc XXXX issued in my name without my permission. Close that card at a XXXX balance and mail me an updated statement. I have paid off all my accounts with Bank of America. I have no real debt with this bank. I would also like Bank of America to remove the false debit ( s ) from all credit agencies and restore my perfect credit rating by the end of XX/XX/XXXX. I will not accept phone calls from Bank of America because they are liars. All communication must be in writing. Ive been consumed by this mess and there is no extra time to work on the EDD income and the State of XXXX money sent on a special card. Bank of America closed my account, so I no longer have access to that information or those funds. That also remains unaccountable and unresolved by the bank. XXXX BANK OF AMERICA MIAPPROPRIATED FUNDS - XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX - XXXX XXXX BANK OF AMERICA ERRORS - MULTIPLE CHARGES ON SEVERAL CARDS XX/XX/XXXX cc XXXX first charge on cc XXXX {$9600.00} 1st time wrong card XX/XX/XXXX cc XXXX second charge on cc XXXX {$9600.00} 2nd time on fake card XX/XX/XXXX cc XXXX third charge on cc XXXX {$9600.00} Fake CC XXXX confusion Total Bank Errors {$28000.00} XX/XX/XXXX cc XXXX minus XXXX credit on cc XXXX $ ( XXXX ) One transaction billed three times - fix it {$19000.00} MULTIPLE BANK ERRORS TRIPLE BILLING BANK OF AMERICA UNLAWFULLY CREATED A FAKE CREDIT CARD IN MY NAME XX/XX/XXXX cc XXXX Bank Error Charged {$3900.00} 2 x on XXXX {$7800.00} XXXX CHARGES XX/XX/XXXX cc XXXX XXXX CREDIT $ ( XXXX ) XXXX XXXX XXXXXXXX transaction billed 2x & 1 Credit Balance {$3900.00} XX/XX/XXXX cc XXXX Fake card cause unnecessary confusion with misappropriated charges and misapplied payments $ ( XXXX ) BOFA APPLIED PAYMENT TO WRONG ACCT ACTION TO BE TAKEN : BANK OF AMERICA MUST CORRECT THIS ERRONOUS ACCOUNT IMMEDIATELY XXXX XXXX Fake Credit Card ( XXXX ) Statement XXXX ERROROUS BILLING ON XXXX AND DUPLICATED BILLING MULTIBLE TIMES ON SEVERAL CARDS RECAPPED ABOVE {$16000.00} Interest accumulating ACTION TO BE TAKEN -BofA REMOVE IMPROPER DEBT AND RESTORE MY EXCELENT CREDIT XXXX All Credit Agencies Remove this banking information from all Credit Agencies. Restore my credit rating ACTION TO BE TAKEN - BOFA FIX PAYMENTS MADE TO CORRECT ACCOUNTS XX/XX/XXXX cc XXXX Other payment made in person with agent $ ( XXXX ) confirmation XXXX XX/XX/XXXX cc XXXX Statement XX/XX/XXXX to XX/XX/XXXX XXXX {$11000.00} Paid in person at XXXX branch $ ( XXXX ) confirmation XXXX Thank you for taking the time to read my letter. I look forward to hearing from you with a positive resolution to this matter. I can be reached in writing at the following contact information. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94536
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-17
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: XX/XX/XXXXXXXX XXXX XXXX suggest I should apply for Bank of America card for a balance transfer. I applied, complete with the balance transfer information ( account details ) and was approved. The transfer was going to XXXX XXXX before my mother started receiving high fees. She is elderly, low income and had this debt to pay for dental repair. I received several emails welcoming me to BOA, then finally a statement not showing the transfer. My mother XXXX XXXX XXXX XXXX watching and waiting for this bill to be paid. XX/XX/XXXX, I spent more than XXXX hour on the phone with BOA confirming my identity and trying to find out what happened. The person claimed the address must have been wrong on the first transfer, offered to cancel it and do it again. ( I was never notified that this transaction had failed and no mention of it on online banking. I was grateful I called as my mother was feverishly concerned about the upcoming XXXX XXXX deadline. I double checked the information and resubmitted the balance transfer in which was successful and I received an email. My mother contacted XXXX XXXX and they kindly granted her an extension. A week later I received a letter that BOA suspected fraudulent activity on my account and suspended my card. The date was XX/XX/XXXX, the same day I spent hours on the phone correcting this. The transfer never made it and my mother can not buy groceries because of this. I called BOA today, XXXX, and was hung up on. I confirmed my identity, asked the person to help and he refused without a reference number. I quickly looked at my paperwork and gave him the reference number. He told me to go into a branch of the bank. I dont live near one and asked for a supervisor. He told me no and that he was terminating the call. This is the most heartbreaking, frustrating and misleading experience I have ever had. I have never received anything regarding the balance transfer that was initiated on XX/XX/XXXX and was hung up on by a bank representative when I tried to figure it out. I need help to make this right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 012XX
Submitted Via: Web
Date Sent: 2023-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A