Date Received: 2023-07-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As early as XX/XX/XXXX I have attempted to set up auto payment both online and offer the phone with various Bank of America Managers and customer service agents. On XX/XX/XXXX, the one-time payment was applied to my account using my checking account ending in XXXX, and was advised that the following month I would be enrolled in auto-pay. I spoke with a mortgage manager ( XXXX ( manager ) the week of XX/XX/XXXX who advised that he would give me a follow-up call and the autopay would be initiated on XX/XX/XXXX. I called on XX/XX/XXXX and spoke with XXXX ( Customer service mortgage ) who transferred me back to XXXX t follow up. XXXX advised that he can not I also spoke with XXXX ( XXXX ) who verified that the account number is valid and the auto pay should have been initiated for the month of XXXX. If I am charged with a late fee it will be wrongful. This is a systems and/or coding error in the BOA mortgage payment page. It has been 3 months now, I have spoken with numerous BOA representatives yet my mortgage loan still has not been connected to my checking account for autopay despite the previous month 's mortgage being withdrawn from my checking account and the account has adequate funds. This has been beyond frustrating, with poor resolution service, and a ridiculous waste of my time. As a resolution, I would like for BOA to credit me in the amount of one month 's mortgage payment ( {$2300.00} )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XX/XX/2023 a bill pay request was submitted to Bank of America Credit Card, the payment request was recognized on XX/XX/2023. Money was removed from the XXXX XXXX checking account on or before XX/XX/2023 in the amount of the payment. Despite the removal of the funds from the XXXX XXXX Account, the payment processing has been put on hold for 10 days. When speaking to a managerial representative, they told me that they could not provide an explanation for the hold and could not lift the hold ( although initially the representative said that they delay transfers to confirm funds, I told them that the funds had already been withdrawn from my checking account ). I cashed out a MONTH of leave so I could make a larger than normal payment on the credit card - the larger-than-average payment is the only explanation I can think of for why the processing hold was put in place. The extended inability to use those funds ( since they have been removed from the checking account and are unusable in the credit account ) has placed me under extreme financial duress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 998XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had an account with Bank of America for the last 3 years from XXXX to XX/XX/XXXXXXXX I started to see issues with my transactions and overdraft fees in early XX/XX/XXXXXXXX it would be minor at first {$35.00} for every over draft then it would continue to be bigger amounts and then they would deposit money back in, me believing my account was back positive I would spend those funds then the next business day they would send my account back into negative even more with added on overdraft fees this happened in XXXX XXXX XXXX XXXX XXXX XXXX. They closed my account on XX/XX/XXXXXXXX after my account went negative from a faulty check they deposited into my account sending me into XXXX in the negative and added on overdraft fees. This added to a crucial hardship on my life my car was repossessed, I had no funds to feed or help my family and no transportation to get to work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60639
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had approximately {$75.00} in cash rewards on two business credit cards with Bank of America. They unilaterally closed both of my business accounts, revoked my business credit cards, closed my personal checking and saving accounts, and did not allow me to redeem my cash rewards on my business credit cards to my personal account prior to closing that account, as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Bank of America rewards credit card. When I applied I was offered cash back. Per the terms and conditions, it stated I would get {$25.00} for every XXXX points. I have points that add up to almost {$9000.00} cash back. I am not allowed to redeem it. I have points from last year of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11717
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I received an alert that a payment had been made for my Bank of America mortgage. I had sold my home in XXXX and had paid off my Bank of America mortgage in XXXX at settlement. I first thought that Bank of America didnt stop the automatic payments. When I called, it was brought to my attention that a XXXX XXXX XXXX, who we do not know, had called in using my Bank of America checking account to pay his Bank of America mortgage. I was told then that he had called for 68 months and made his Bank of America mortgage payment using my Bank of America checking account. The start date was the exact month that my first Bank of America mortgage payment was automatically paid. Since I must verify my identity several ways on every call to Bank of America, I am shocked that someone could call Bank of America XXXX times without verification and use our Bank of America checking account to pay XXXX XXXX XXXX Bank of America mortgage. The agent, who filed claim XXXX, worked with me to stop payment on the attempted XX/XX/2023 payment by XXXX XXXX XXXX, and Bank of America sent me a letter just XXXX days later on XX/XX/2023, letting me know that the XX/XX/2023 credit for {$1000.00} and the XX/XX/2023 credit for {$1000.00} were now permanent. The other XXXX credits, for {$6900.00}, were temporarily applied to my account. On XX/XX/2023, I filed claim XXXX for the other XXXX transactions for {$35000.00}. I called Bank of America numerous times between XX/XX/2023 and XX/XX/2023 for the status of claim XXXX. It just didnt make sense that it should take that long when every debit to my account was under the exact same circumstances. I received a letter a week dated XXXX XXXX, stating that We made this decision from information from the merchant such as signed receipt or contract that The charge ( s ) was authorized by you or made by someone who has permission to use the card or account and If youd like to request copies of the documents we relied on to reach this decision, please call us. I called and spoke to four agents and several levels of managers, and each one has told me that there are no documents in the file to support my authorization which your representative said would be available when I called in the letter dated XX/XX/2023. Bank of America has the recording of all XXXX calls from XXXX XXXX XXXX. I assure you that neither my wife nor I was on any of those calls authorizing the use of our Bank of America bank account, nor is there any other nonfraudulent documentation that you could provide showing our authorization, evidenced by the fact that there is no supporting documentation in my file and the immediate reversal of XXXX, XXXX, and XXXX debits to my account. All the transactions are from the exact same circumstance, and all are within Bank of America. I escalated both claims to XXXX XXXX, XXXX of XXXXXXXX XXXX at Bank of America. Email : XXXX. After escalating this to XXXX XXXX, less than 10 days later, on XX/XX/2023, Bank of America reversed their decision on claim XXXX and issued the remaining XXXX permanent credits on that claim for {$6900.00}. This left claim XXXX for the other XXXX transactions for {$35000.00}, made under the exact same circumstances open. It has been Bank of Americas fraud department 's modus operandi to deny the claim for an inaccurate and irrelevant reason. On XX/XX/2023, I received a letter from Bank of America dated XX/XX/2023, that case XXXX was not approved because it was greater than 12 months old and that I could contact the merchant. Obviously, there is no merchant involved, just Bank of America Mortgage, their financial institution. I disputed the denial by fax and with an email to XXXX XXXX on XX/XX/2023, and I requested that Bank of America keeps all recordings and documentation related to this case. I also requested that they reopen the claim and return my funds. I have left a dozen or more messages for both XXXX XXXX, XXXX, and XXXX XXXX from XXXX XXXX escalation team, and neither has had the professionalism to return a single call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: At different times with bank of america i had overdraft fees because i did not have enough funds in my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38106
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: hello, i previously had a checking account with bank of america. they had charged me with insufficient fund charges and overdraft charges. several times .my job at the time gave me the option for direct deposit, so i closed my account with BOA. I`am now with XXXX XXXX XXXX. i have-not received any settlement information from anyone i just read, and saw on the news, that they have been doing this to others.how do i join for reimbursement .thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
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: i purchased a service ( computer repair ) and was charged thru credit merchant ( XXXX XXXX XXXX { XXXX ( XXXX ) XXXX } ) said that wasnt ok so then i payed in debit after he showed me a refund verification ( i believe the payment/refund was processed by shopify ) ; i told this to my bank ( bank of america ) as i was charged XXXX $ twice and they rejected my claim ; they are rude and refuse to help me and they keep passing on the blame ; with my interest rate i owe more than XXXX ( 28 % irp for 3+ years ) just because of that single credit charge of XXXX ; bank of america gave me a case # ( XXXX ) as a working student i cant pay this off nor do i want too ; also the repair service did not work as the item repaired failed after a month ; i am also suspicious that non oem parts were used even-though i payed for oem parts ; i still have the computer if more information on that is needed. i am scared that this will continue to impact my financial life and nobody will help ; hopefully yall can ; thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-11
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: Some company I do not know opened a Bank of America Visa card account. The card was never sent out from BAC and the company that opened account charged {$11000.00} to the account in my name. I never had possession of the card nor did I even know the credit card number. Bank of America states the company is not a fraud even though there are 100s of online complaints about this company XXXX XXXX. I never signed any documents yet they produced documents with DocuSign initials. I am XXXX years old and will never be able to pay this amount. XXXX XXXX was also charged by this company and they refunded my money as they believed XXXX XXXX were fraudulent. I submitted 32 documents to Bank of America two times. The first time they said they couldnt find the documents and gave me another address in another state. It took me hours to put together all this information that they totally discounted. 12 of their fraud employees submitted complaints to their supervisors that my complaint was legitimate and that the XXXX card was never produced or sent to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85719
Submitted Via: Web
Date Sent: 2023-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A