Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had two incident of unauthorized fund transfer from XXXX XXXX Bank of America Prepaid account. The first incident happened XX/XX/2023, I had a notification in my email about a fund transfer amounting to {$5000.00}. I notified the bank immediately upon discovering the unauthorized fund transfer, and filed a claim. I notified them that I was not the one who transferred the money. The bank denied my claim twice and did not give back my money. The second incident happened again XX/XX/2023 another unauthorized fund transfer of {$2800.00} I notified again bank of america and cancelled my card. Now i have 2 pending claims in bank of america but I still can not recover the money that was stolen from me. I tried to get the information of the recepient of the fund transfer but Bank of America says they can not provide me with details. This is clearly a fraud, it happened twice already but the bank keeps of denying my claim. After cancelling the card, i received another notification stating PIN change notification and fund transfer account update. I called bank of america again and informed them that I was not the one who changed my PIN and did the fund transfer update. Clearly, this is fraud. The bank clearly doesnt have anough security measures to keep this from happening. No one else has the access of this accouny other than me. hope they can investigate about this incident. I am on XXXX and these thieves keeps of stealing my money that I need for my XXXX. Alot of Americans deal with this kind of fraud. Please help me. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 957XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: CFPB Bank of America order. Bank of America account holder since 2004
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a payment to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX back on XX/XX/2022 in the amount of a total of {$250000.00}. However, the company is a fraud, and can not get in touch with anyone within the company. This was solicited as an investment in the property in XXXX, MD. However, the person is unreachable by any means. I personally went to the office and found out from the owner of the building that he hasn't paid rent in over a year and he hasn't visited his office in a long time. However, I found that his wife works in the same building for a company XXXX XXXX XXXX XXXX XXXX. I have no way of reaching him.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: BoA sent me a credit card I didnt ask for telling me to activate it. Sent, according to the letter, on XX/XX/2023. Credit limit {$7500.00}. I ignored it. Now they are sending notices changing the terms of our agreement. Sent XX/XX/XXXX but the letter is backdated to XX/XX/2023. Apparently ignoring the card didnt stop them from signing me up. Im concerned about my XXXX with too many cards. Im equally concerned their attempts might set me up for fraud. I want in on the settlement. Im fed up with how broken US businesses are.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Apparently I have a XXXX account with Bank of America. I figured it was opened as part of a program or some sort of reward. A routing number was included as well as bank account number and funds distributed to the account. I have been a customer with Bank of America for XXXX years and have been offered many different banking options. There was a deposit date and funds that I can access from online. I saw that the bank opened the account in XXXX of this year. Every XXXX of the month they have been withdrawing a {$4.00} monthly fee from that account. When digging deeper and trying to access these funds I was told that the account was frozen and to contact the XXXX XXXX XXXX department. Which I did. I was on hold and was transferred to XXXX departments. I ended up having to call back about XXXX times that day. I was transferred and told that they couldnt transfer me and then sent to a voice message and also disconnected on. I was given a number to call and then told by that person that no I have to call that same number I called before to be connected to XXXX department. Then I was transferred to someone named XXXX and she told me that her transferring option doesnt work that I have to call back the original number. At the XXXX call I got someone on the phone who told me that there was a claim number and that she couldnt access it. I forgot to mention I was told in maybe the XXXX nd call that I would not receive any notifications about the issue and that no one will contact me and if I want information I have to keep calling back. When I questioned that and asked how is that possible that I have never received any notifications about this account and if anything I was told that thats not what they do. The final call told me that she cant access the claim information and that I have to call back the original number and ask them for a claim number and that she was transferring me, she transferred me and in that transfer the phone call hung up and ended. I was told that it would take XXXX days to review the case but however the account was frozen since XXXX, we are now in XXXX, and that they will continue to keep charging the account every XXXX of the month and have no exact idea when the review will happen. I said I wanted it closed as I have no understanding of what is going on with the account and no information as to what and how it started. I was told that they can not close it and if I want more information I just have to keep calling back. But they have no information and no notes are listed on the account in terms of issues or anything. Absolutely nothing. And again they never sent a notification nor would they ever send me XXXX in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2023-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-13
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: i have an account with back of America, and i think they been increasing all fees on my 2 credit cards now I'm struggling to pay them off i would like to you guys check on my history
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: On XX/XX/2016, I opened a credit card with Bank of America. The card had an advertised {$300.00} sign up bonus. One month after I opened my account, I was notified by Bank of America that my account had to be closed and a new one would be opened. I did not request this and was surprised and confused. When I learned that the new account Bank of America had opened for me did not have the cash back bonus, I objected. I even went to a branch in person and spoke with several people about it and no one could explain why my account needed to be closed and reopened. I never received the {$300.00} bonus. I have attached my credit report showing that all of my accounts were always in good standing and paid on time. It shows the first account as " closed at customer request '' in XX/XX/2016. See pages XXXX. The second account was opened on XX/XX/2016. See pages 4-7. I am submitting this now because I recently saw this announcement : https : //www.consumerfinance.gov/about-us/newsroom/bank-of-america-for-illegally-charging-junk-fees-withholding-credit-card-rewards-opening-fake-accounts/ This matches my experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 we found a compact tractor for sale on the internet at XXXX XXXX XXXX. We messaged the business for information about the tractor. Sales Mgr. XXXX XXXX responded. On XX/XX/XXXX we ended up making a deal for {$9000.00}, {$8200.00} for the tractor and {$800.00} for shipping. On XX/XX/XXXX, we went to our bank and wired the money. He emailed us a bill of sale and payment invoice later that day. On XX/XX/XXXX he said we would have our tractor on Thursday XX/XX/XXXX between XXXX. On XX/XX/XXXX at XXXX we emailed asking if everything was still good for this evening. We received an email stating delivery has been delayed due to trailer mechanical problems and the new delivery date was Monday XX/XX/XXXX. At this point XXXX told him he was starting to think he's been scammed. They told us they would refund the shipping fees in cash at delivery. XXXX asked him why the tractor we bought was still for sale on the internet. On XX/XX/XXXX XXXX We got another email saying the trailer is still being serviced and the new delivery date will be XX/XX/XXXX between XXXX. XXXX We got an email stating the refund request has been sent to the payment department. XXXX XXXX XXXX emailed It's coming but it looks like we understood wrong, that you wanted a refund ETA still XX/XX/XXXX between XXXX. XXXX XXXX didn't check his email and asked when the tractor will be here. XXXX Then XXXX checked his email and then told them IF it's not here early on XX/XX/XXXX he wanted a full refund. XXXX XXXX emailed so it's not coming on the XXXX? On XX/XX/XXXX XXXX messaged them please have someone contact me about this sale or refund. We got back an email asking for the stock number of the machine we were interested in from Sales Mgr. XXXX XXXX. We sent an email telling them we were deeply concerned about this transaction and to reverse the payment we made back to our account. They emailed us saying the refund was approved. When can we expect it? By the end of the week. Then we called our bank asking what we could do. I want to know why Bank of America, Branch address : XXXX XXXX XXXX XXXX, XXXX, NM XXXX Has never returned a call to my bank when my bank asked for my money back. And don't look like my bank is investigating it. So people get scammed and no one is trying to help. Someone at bank of America surely should know how to find out who had the receiving end of this transaction. I would like an explanation by someone on how a transaction like this is ignored. I'm out XXXX. I'm on XXXX yrs old. XXXX is a lot of money for me. It took several years to save that money on what I get. I wish someone would do something. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 724XX
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I went to atm on XX/XX/2023 and made a cash deposit of XXXX dollars for up coming XXXX. The atm went blank after I made my deposit. I called the number on the atm to report the problem needless to say that they were closed due to the holiday. The next day I immediately filed a claim and complaint. I expressed how important my up coming XXXX was. I asked several times for the third party to go our and service the atm but all I got was the same script its a waiting period. I have been banking with Bank of America for over at least 10 years! I never expected such rude uncaring results! I will definitely be closing my account after this issue is resolved and take further actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31204
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was issued a new card on XX/XX/XXXX. I did not receive the card and did not activate it. I was then notified via text that there were multiple charges : XXXX, NY {$470.00} which was declined. XXXX XXXX XXXX {$1900.00}, approved and XXXX XXXX XXXX, XXXX store {$24000.00}. The text message asked if I or another user of the account authorize this activity and I responded, " No. '' I logged into my Bank of America account and changed my password, after deleting a phone number that I did not recognize. I was notified on XX/XX/XXXX that a new card was being mailed out. I never received the 2nd card, therefore never activated it and received a text message advising of a charge on XX/XX/XXXX for XXXX XXXX, NY {$390.00}, declined. Again, I responded " No, '' to the question of authorization. I called Bank of America on XX/XX/XXXX after logging into my account and seeing the disputed {$26000.00} was being charged to my account. I received a letter that my claim of fraud was denied. I was advised that they would reopen my claim and I would need to file a police report. I live in Florida and theft of goods using my credit card occurred in person in XXXX XXXX XXXX, XXXX XXXX. My local police department reluctantly filed a police report and assigned a case number, which I was told to provide to Bank of America claims department. Prior to going to the police department, I called the stores, which allowed the purchases to be made. XXXX XXXX XXXX on XXXX XXXX in XXXX, the manager emailed me that she would not be able to provide me with information, even though her records indicate my husband made the purchase and appropriate measures were taken to verify his identity. The manager at XXXX XXXX provided me the receipt for clothing purchased in their store. My husband and I live in Florida and we have not been to XXXX in years. I called back to Bank of America Fraud department and they added the police report number to my claim. They also issued me a new card and had it expedited to my home address. I called Bank of America today to inquire on the status of my claim, as I was locked out of my account by someone other than me was trying to log in with the wrong password. I was told the reopened claim was closed and I was responsible for {$26000.00} in charges to my credit card. The audacity they have to tell me to file a police report and then continue to deny my claim is incredible. I told them to reopen the claim because these charges were not made by me or my husband and I will continue to call daily until resolved. I was unable to speak with the person denying my claim of fraud. I am appalled at the lack of respect for a customer of 23+ years. I do not use this card for purchases and my history will reflect that. They did not due their due diligence to protect me or my husband 's credit. Bank of America is taking me away from XXXX to spend hours doing their job. I requested the documents they used to determine their claim and am still waiting for them to arrive. I have filed a report with the United States Postal Service that my mail was stolen twice. I've also filed a complaint with the FTC. I will not be responsible for {$26000.00} of fraudulent charges. My concerns are the collusion with the criminals, not only Bank of America but XXXX XXXX XXXX. They're complicit in illegal activity and make no efforts to rectify or pay reparations to the victims of their negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34952
Submitted Via: Web
Date Sent: 2023-07-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A