Date Received: 2024-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was checking my credit score and found out that Bank of America had charged my credit with a credit card that I have never used or open which I would imagine its due to identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75227
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a business advantage relationship banking account at Bank of America. They are charging me {$29.00} a month for no reason at all. Starting 7 weeks i started calling them at the number they list on my statement XXXX. I have been on hold for 9 hours. Two time i got a recording saying I could enter a call back number. I did that. When I received the call back, the person said " I can not help you because this is a business advantage account. '' I asked how can I speak to somebody in business advantage. They said " I don't know. '' I have another account with Bank of America with over {$30000.00} in cash in it and they refuse to link my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10024
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I opened a Business Economy Checking account in XXXX with Bank of America. I deposited the required minimum balance of {$3000.00} to avoid any fees. This account has not been utilized at all since then. The account simply sat dormant for over a decade. Recently, I did a name change and at that time it was brought to my attention that monthly fees were being incurred. I have numerous accounts and a lengthy relationship with the bank and they knew that was very unusual. Apparently, my account was changed to a Business Advantage Fundamentals Banking Account at some point in XXXX. This account requires a {$5000.00} minimum balance. I was never notified. Over the past few years $ XXXX has been charged to my account and I did not catch it until now. I never authorized my account to be changed. When I reached out to the bank I was told they could only refund a few months of fees. I am still owed {$490.00} in fees. There was no acknowledgement or authorization to change they type of account I opened in XXXX. If the product was no longer available, the account should have been closed if they could not reach me. On XX/XX/XXXX a formal complaint was written within the bank and my request for a refund of the fees was declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Overcharged fees. My business checking went negative for fees and they closed it out without warning. Not cool, not professional, not honest. Bank of America is taking advantage of people
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78731
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Merrill Lynch still refuses to give me my money and just on XXXX XXXX i called them and they said a check was sent on XXXX XXXX then i calley again on the XXXX and they said they sent it to XXXX still not true they are holding my funds because of the situation with the check cashing place which has nothing to do with them the check cashing place has their money so that's all XXXX. XXXX paid XXXX and sent my funds to them those are my funds, i'm not doing anything fraudently, the i spoke with XXXX and they told me all the dates the check cashing place was calling and pretending to be me I even tried to put a stop payment on the check but it was already paid to Merrill lynch and they have not sent anything back to them and how would they know about the check cashing place and what they are assuming what happen anyway thats because the check cashing place was upset when i changed my mind due to their high fees not posted in their place of business.I don't owe no one anything i never got my money and i been waiting since XX/XX/2023, they are making false reports of fraud and closed my account listening to the lies of that check cashing place that i have filed a complaint against as well next it will be a law suit, the check cashing place deposited two different remote deposits of the same check on different dates the first date was XX/XX/XXXX and it came back on XX/XX/XXXX then they did it again and it came back on XX/XX/XXXX so why would they give money up if it already bounced cause they didn't not to me so i want my money from XXXX cause XXXX does not have it.The check cashing place was trying to make me cash that check there but their fees were too high and i only learned that it was illegal for them to charge that the next day. I would appreciate it if merrill lynch would stop being rude to me cause i want my money and to stop telling me different lies cause they are trying to keep my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92346
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Well my visa debit card been compromised or basically stolen out of my mail box I never received my card wich had $ XXXX..so they ordered me a card so i waited and waited they said about 7 business days i should get it well it's been 3weeks so i call them and tell them i still havenent received my card they said Oki it's no problem ill send you out another card but you have to go to bank of America to verify your identity so I go ahead and do that so i get to the bank the lady takes my 2 peice i.d any said your good to go anything else i can help you with i said no thats it and thanks she said we'll express mail it to you she said just make sure your home i said ok and by the way the last time i ordered my card they didnt say anything about being home so i wait 2 days later my card cones im. So happy I go to activate it and there's only XXXX $ wow now I call them and tell them what's going on and the guy that looks it up tells me all the transactions and I said hows that I don't even have a card and that's when he said I have to send you to claims and you can ask the person that helped me there was email on file that wasnt mine a phone number that wasn't mine he even said some one got your card and changed all your info in the system to change the pin number..and then I was on hold with claims for 3 hours finally he came back laughing saying theres nothing i can do sorry for keeping you on the phone that long so i hang up call again and the new person supposedly filed a complaint on the last person that would not file a claim. So this is what's going on.. customer service operator that helped me told none of this email or your phone number that your giving me is on here so someone did go in and change everything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95356
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an business checking account with Bank of America on XX/XX/XXXX with the promotion of {$1000.00} bonus for depositing {$30000.00} within 30 days and keep above {$30000.00} until XXXX day after account opening. The promotion is within my Bank of America personal account online banking offers page. I clicked on the promotion link to open the business checking account and meet the terms and condition for the promotion as of XX/XX/XXXX. The bonus has not been posted as XX/XX/XXXX. I contacted Bank of America XXXX XXXX Customer Service at XXXX on XX/XX/XXXX and was told that the offer was not found on my business checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78414
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My XXXX XXXX XXXX XXXXwas to pay off all me credit cards, which I did. On XXXX XXXX, 2024, I pad XXXX crdeit cards off in their entirety, including Bank of America XXXX XXXX XXXX Card ). All XXXX credit card companies debited my personal chacking account either on the same day or the next day, and XXXX of the XXXX companies applied my payment to my accounts within XXXX hours, EXCEPT Bank of America! I paid BOA {$2100.00} dollars on XXXX XXXX, 2024, and here I am on XX/XX/2024, and BOA has still not credited my credit account! I called them and I did excalate the complaint up the chain three times, with no success. I was informed at the last level that they " have up to XXXX business days to credit the account with the payment ''. Then they stated " that we have not offically received your payment yet. It is inprocess ''. I respnded by stating that my {$2100.00} is gone from my personal checking, so BOA has my payment somewhere. BOA respsned with " well, your payment was substantially different ( larger ) from your regular, smaller payments, so this rasied a red flag. '' I stated that I paid the entire balance off and this raised a red flag? That's absolutely ridiculous. Furthermore, it is my belief that BOA is holding my payment until the next billing cycle ends and the next payment is due so they can collect interest on the old balance! I attemtped to delete my personal bank account on the website as well as stop auto-pay, and I was unable to either tasks! This is really inapproapite or illegal. I do have employee ID numbers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I opened my account in XXXX for a large settlement and to flee a serious XXXX XXXX situation and it was explained to the banker and he assured Id be okay and my account was under heavy security measures. As of today XX/XX/2024 me and my children are hiding out in a hotel because he got into my accounts and found out where we live. He has taken money out of my account over XXXX dollars from bofa account and over XXXX from another credit company without permission and hey handled the situation. My son has XXXX he needs and we have no food and scared to go home. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This has been horrible experience with BOFA they are not taking this matter seriously Ive sent reports and statements and they still wont return funds. I am filing a lawsuit against BOFA if anything happens to me or my kids
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Bofa doesn't have a perfected lien. They are committing securities fraud by not paying me my dividends. This is documentation related to a case I filed. They won't release the title. I have attached the UCC11 as well as a UCC1. My company owns the car not them. They dealer coerced me to sign documents at time of purchase or they wouldn't release my vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94941
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A