BANK OF AMERICA, NATIONAL ASSOCIATION

2019-11-03

Oxford, GA

Fraud or scam

Money transfer, virtual currency, or money service: Check cashing service

Complaint: I am unable to open an account so to the fact someone opened multiple accounts in my name in XXXX ca. Ive told them over and over Ive never lived nor been to XXXX but Im still being denied an account with any bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-03

CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: In progress

Timely Response

2019-11-03

Philadelphia, PA

Fraud or scam

Money transfer, virtual currency, or money service: Mobile or digital wallet

Company Response: Closed with explanation

Timely Response

2019-11-03

Pacific City, OR

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Complaint: XX/XX/2019-I did a Payment on my credit card account of {$180000.00} XX/XX/2019-Bank of America took {$180000.00} from my credit card account in concept of Refund. After few days I called the bank asking about my money and why they did that without any previous information.. The Bank said they sent me a Check of this amount at my home. XX/XX/2019 : I received the check, but It was damaged ( USPS broke the check and they gave me a regret for the situation ) I contacted the Bank and explained them the issue. The attendant told me that they can cancel the check and reimburse me the money at my checking account ... It never happened I called many times for the next weeks, explained over and over again to who was behind the phone.. All of them promise me the same.. XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened XX/XX/2019.. A XXXX answer my call and he promise to gave me back my money.. Nothing happened It's been almost two months since Bank Of America took my money and they didn't give any solution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-03

TX

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I received my first overdraft fee in years of {$35.00} from Bank of America on XX/XX/XXXX. I made a rent payment from my BOA checking account in the amount of {$1200.00} that would not post until a later date. Unbeknownst to me, my actual account balance, including that payment, was not reflected immediately upon payment. It was my understanding that the payment would appear as pending and my available balance would be adjusted to reflect this. Because this was not the case, it appeared as though there were sufficient funds available to make additional purchases through this account. Once the payment of {$1200.00} was withdrawn from my account on XX/XX/XXXX, my account was overdrawn by the amount of {$170.00} and the aforementioned {$35.00} fee was applied. I was not able to pay this fee or negative balance until XX/XX/XXXX and had no plans to use this account until that date. However, autopay was setup with XXXX XXXX XXXX for the amount of {$50.00} every XX/XX/XXXX day of the month. There were insufficient controls in place by BOA to inhibit this charge. This was the first month that payment would be returned due to insufficient funds. Ideally, BOAs overdraft protection would prevent this. However the opposite was true. The same merchant was allowed to attempt to charge my account three times and each time BOA returned that charge to my account and collected a {$35.00} fee from my checking account without my knowledge or any attempts to inform me that this was occurring. This practice is highly predatory and intentionally misleading. I contacted two customer service representatives who informed me that BOA willingly allows merchants to do this and they do not typically inform their customers that they are being charged additional fees. In total, I have been charged {$140.00} in fees that couldve easily been avoided had I been informed by Bank of America or if BOA had processes in place to prevent this. I have held this account since XX/XX/XXXX and it is disappointing to be taken advantage of in this way. I intend to reach out to my State Attorney General to pursue resolution for the matter should BOA be unwilling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-03

Alexandria, VA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Arco, CA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: {$760.00} was taken from my account in two transactions ( {$380.00} x2 ) by a man named XXXX XXXX. He claimed to be selling concert tickets through a ticket exchange site on XXXX and used XXXX for the transaction. He sent another person 's driver 's license photo and e-mail confirmation as his own without that person 's knowledge to act like the tickets were real. The amount is currently still processing in my account, but I would like to try every step possible to make sure these amounts don't go through. This occurred on XX/XX/19 XXXX and XXXX PST ( two separate transaction times ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

La Tuna Canyon, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

PA

Struggling to pay your bill

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company won't work with you while you're going through financial hardship
Complaint: I just keep trying and trying to get Bank of America to work with me and lower my monthly payments. They refuse to work with me or state they can not lower the payment. My family is going through something traumatic. I get the same call from a guy named XXXX when I do complain. But I never call back due to the fact of what my family is going through, Im in hospitals all the time and cant talk. I just want a letter of what the heck they will do to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Carver, MA

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: The late remarks are not consistent among the reporting bureaus. Also the date of last active is not consistent too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

NY

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
Complaint: A checking account was fraudulently opened online with my information back in XX/XX/2019. I reached out to Bank if America right away to resolve and have closed. I sent an affidavit, proof of identity to them in XX/XX/XXXXand still have not received any response from them refarding the resolutiin other than them threatening to report negative information to XXXX XXXX and tge credit bureaus. They have been in receipt of my dispute since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Pittsburg, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: Someone used Bank of Americas virtual teller function on their ATMs to fraudulent withdrawal {$1200.00} from my checking account on XX/XX/2019. I reported this to BoA on XX/XX/2019 and they opened an investigation. I was told that no PIN number or ATM card was used but only a photo ID. I additionally filed a police report and reported this to BoA. It should also be noted that my daily ATM withdrawal limit is set at {$710.00} per day, {$480.00} less than the amount that was successfully withdrawn. BoA gave me a temporary credit for the full amount to my account on XX/XX/2019. I subsequently received a letter from them on XX/XX/2019 stating they had determined that this was an authorized transaction and the credit I had received was removed from my account on XX/XX/2019. I spoke with a representative from BoA on XX/XX/2019 and was told that the determination was made because the person on the video matched the photo on the ID. They subsequently stated they would reopen the investigation as the notes did not indicate the fact that I had filed a police report despite me making a specific phone call to report this to them on XX/XX/2019. I have since sent BoA a certified letter with a copy of my drivers license requesting my money be refunded but have not received anything from them. I was told that since the investigation was closed and then reopened that there would be no definitive timeline for resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-02

Simi Valley, CA

Managing an account

Checking or savings account: Checking account

Fee problem
Complaint: I used my Bank of America debit card to withdraw cash from my checking account at a non Bank of America ATM machine on XX/XX/2019. Before dispensing the cash there was a message on the screen reading, " there will be a {$4.00} fee deducted from your account for this transaction, if you wish to continue press yes '' so I agreed to the {$4.00} transaction fee and continued with my withdraw. A few days later, when I looked at my checking account transactions online I noticed that Bank of America has charged me 2 other fees in the amount of {$2.00} each totally {$5.00} for each withdraw. I had made a total of 5 withdraws on that date so there were 10 charges on my account for {$2.00} each totaling {$25.00}. When I called the bank, the representative told me that there's a {$2.00} fee to put your debit card inside the machine and another {$2.00} fee to take it out!! Unfortunately the fee I had agreed to was the {$4.00} that was on the screen but in reality I was charged {$9.00} per withdraw. I asked the agent to please reverse these fees since I only agreed to the {$4.00} and had I known it was really {$9.00} I wouldn't have taken money out or gone to the bank 's ATM. She only reversed 2 of them. so I ended up paying {$40.00} in fees to make five withdraws from my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-02

Centennial, CO

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: On XX/XX/2019 I attempted to buy a flight ticket from a company called XXXX from XXXX to XXXX XXXX. The amount was approximately {$320.00}. When I viewed my Bank of America Checking account it showed a charge to a company called XXXX. Bank of America thought this was fraud so they blocked the payment. However, the money still came out. I knew this because of the balance total in my account before the removal was Approx. {$2000.00}. An adjustment was made to the account in the amount of {$320.00} however the balance never changed back from {$1600.00}. Instead, all of my transaction histories scaled back to show a different amount going back months. So now the {$320.00} just magically disappeared from my account. When I attempted to reach out to them I was put on hold for over an hour 5 times and every time I would get a representative they would evade my questions and then just eventually start telling me that there was nothing they could do and hang up on me. Not once was I able to even address the issue due to the way their customer service would treat the call. Not a single individual in 3 days was able to even begin to listen to my issue because they won't even go that far. It seems as if they are aware that they have done something with the account and now will do nothing to rectify it. Furthermore, they deleted all transaction history related to this situation. Not only did this mess up my trip because the tickets are no longer available but now I have to rebuy the tickets for {$500.00} and I lost the {$320.00}. I am United States Service member stationed overseas I should not have to deal with this type of behavior from an American corporation. Completely ridiculous!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Los Angeles, CA

Managing an account

Checking or savings account: Checking account

Fee problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Warrenton, VA

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Complaint: On XX/XX/XXXX, an online bill pay was scheduled for my daughters XXXX. Unfortunately, the payment was sent to the wrong address. I contacted Bank of America, and changed the address & asked them to reissue another check. Sadly, the change was never updated and an additional check was issued to another wrong address. After communicating with the XXXX, two weeks later, the checks had still not arrived. Another check was issued, this time with the correct address, but it was expected to arrive a month after the payment due date. I requested another check be mailed using overnight service & a refund of a {$50.00} late fee was issued by the bank, since the XXXX was no longer patiently waiting for their payment. The check arrived the following day, so I thought my concerns with Bank of America were resolved. Unfortunately, a week later, my online bill pay account experienced some dramatic failures. I have alerts set up on my account, to be sent to the same email address that has been active on my account since I opened it 15 years ago. The alerts are for when money is transferred into my account & when my account is overdrawn. I did not receive any of those alerts to my email. This is the first time this has ever happened. I was charged {$70.00} for overdrawn items. After contacting Bank of America and speaking with two supervisors, they were only willing to refund one overdrawn fee, despite making false statements about the accuracy of my email address and the accuracy of the alerts set up on the accounts. They claimed that alerts that had been set up on my account for many years were not active, despite receiving one through my mobile app the morning of the dispute. Im concerned that the overall accuracy of my account has been compromised. There unwillingness to refund the charges, when obviously strange and unaccounted for discrepancies happened, is not only disappointing and upsetting, but the lack of accountability from Bank of America is shameful. I was charged late fees for discrepancies solely related to bank errors. They claim that since the bills were paid in full, with no late fees ( this time ) that they were not willing to issue any further refunds. I have been a customer for 15 years, never had any issues as dramatic and upsetting as this & the lack of customer support is disgusting. I hope my experience can be used as a learning tool for other customers. TAKE YOUR MONEY TO A DIFFERENT BANK!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Interbay, WA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Card was charged for something you did not purchase with the card
Company Response: In progress

Timely Response

2019-11-02

CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: On XX/XX/2019 I had problems accessing my online banking I had notice that my password and username was changed numerous times and I contacted the bank of America coustmer service due to my checking and savings account showing a over drafted balance and I don't understand that my checking account and savings account was at a negative balance if in my savings account I had {$2600.00} balance and my checking account had a {$840.00} remaining balance but Bank of America coustmer service transferred me to the fraudulent department and they was supposed to dispute the charges and send me new debit card and due to my vehicle be stolen and my personal laptop was in the vehicle all my online banking was in my laptop and whoever stole my vehicle had access to my on line banking and cleaned my accounts out and stole my wallet so I was able to I was waiting for a debit card and never received one but I deposited a check into my account since I'm my brothers payee and they told me I have to add my brother on bring in two verification forms showing identity so I went in with my relative Brother XXXX XXXX and since I didn't have valid Identification Card ( ID ) the lady that was speaking to me told me come back when I get my identification card ( ID ) so time pass and I come showing a paper that I applied at Department Motor vehicles for renewal of my Identification Card ( ID ) and I was told my account was being closed my checking account and savings account I ask representative for what reason they said because I didn't add my relative on my account on time so practically I never was refunded my remaining balance that was in my checking account and savings account and I feel that that's not right and they lady told me that both accounts had no funds that on my online banking money was transferred I'm like how I was told no one can touched my online banking savings account and checking account unless we go into the branch office and show proof of identification card ( ID ) so I feel I was treated unfairly and want to know why both my checking account and savings account was closed and I never got my money savings account {$2600.00} and checking account {$840.00} and I will let social media know how I was not treated unfairly and to not trust bank of America because for me trusting bank of America my accounts was left at a negative overdraft balance and my funds was removed online and bank of America did not protected my accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Washington, DC

False statements or representation

Debt collection: I do not know

Impersonated attorney, law enforcement, or government official
Complaint: on XX/XX/XXXX I obtained line of credit from BANK OF AMERICA , N.A, with amount of {$250000.00} with account number # XXXX on XXXX bank of America breach its contract and at that time that I need it most caused me forclosure of my 3 properties in Virginia . on XXXX I filed chapter XXXX bankruptcy, and case converted to chapter XXXX unlawfully, and since trustee transfer all of my money from DIP account ( {$91000.00} ) to his account I was not able to pay BANK OF AMERICA LINE OF CREDIT since XX/XX/XXXX. and BANK OF AMERICA, N.A close that account on XX/XX/XXXX. first third party debt collector XXXX XXXX XXXX XXXX tried to collect # XXXX when they could not and find it was forclosure, then third party debt collector XXXX XXXX XXXX XXXX try to collect same line of credit with different account number # XXXX ( amount of {$160000.00} BANK OF AMERICA, N.A closed it on XX/XX/XXXX ) and under name of XXXX XXXX XXXX XXXX for amount of {$250000.00}. and after forclosure BANK OF AMERICA N.A transfer account # XXXX to XXXX XXXX XXXX, XXXX since both account is under one line of credit agreement and both closed and breached and passed statue of limitation. by forclosure and transferring it to debt collector XXXX XXXX XXXX, XXXX BANK OF AMERICA, N.A caused a lot of harm and damaged financially and mentally to I, and my family, I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX complaint several time at least 11 times and they ignored me. third party debt collectors finally without any court hearing all hearsay and with different case laws that are not related to the case without any facts or evidence with deceptive action, got judgment against I, and my husband ( he is not party in alleged debt ), to foreclose my home stead property with a line of credit that was breached and passed statue of limitation. alleged case : XXXX at SUPERIOR COURT OF THE DISTRICT OF COLUMBIA, BANK OF AMERICA, N.A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX V XXXX XXXX XXXX, XXXX PLAINTIFF ( S )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Yonkers, NY

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I have sent letters and call the all ( 3 ) credit bureaus who handle credit files. Still the information I tried getting remove, remains on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-02

Bakersfield, CA

Problem with a credit reporting company's investigation into an existing problem

Vehicle loan or lease: Loan

Their investigation did not fix an error on your report
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-01

Northbush, NY

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Complaint: I XXXX XXXX am trying to avoid filing bankruptcy. Previously by writing to my creditors I explained my personal situation, where another person I trusted ran up my debts without my knowledge. I could have filed for bankruptcy earlier this year, but have decided to try another avenue. I seek settlements of the debt posted in this report for 20 % of the charged off amount with terms. Accordingly, I would appreciate a quick response as I will agree to settle these collection as they are accepted. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-01

NJ

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Company Response: In progress

Timely Response

2019-11-01

Bancroft Hall, MD

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Complaint: I have a business credit card with Bank of America that I opened in XXXX. I use the credit card very infrequently and carry a XXXX balance or low balance. I set up an automatic draft payment to monthly debit my checking account with Bank of America to make regular payments on this credit card. This was something I called in and did over the phone with Bank of America because I was having trouble doing it on the computer. I thought that was a straight forward action that would guarantee that my payments would be made on time and that my account would not fall subject to default. However, on XX/XX/XXXX, I was notified by a credit score check that I have in place with XXXX, that my credit score had dropped. I looked into the cause of the drop and it was because Bank of America had reported that I was 30 days late on making a payment on my business credit card. I immediately made a payment on XX/XX/XXXX, when I received this notification, and paid off my balance of {$380.00} to XXXX. I have a credit line of {$14000.00} on this card. I called Bank of America 's customer service number later to inquire how this could have happened when I had set up automatic payment to happen monthly. They informed me that if you set up automatic payments over the phone, they will expire and stop happening after 6 months. They told me there was nothing that they could do to help me with this problem. I was never told that my automatic payments would cease to happen after 6 months of setting it the automatic draft. I told Bank of America this and also told them that they had never sent me any documentation for the rules and regulations for the payment schedule when I did that over the phone. I do not receive mail statements from them on this account either and they have not corrected this. I had absolutely no way of knowing that the automatic draft payment was no longer happening due to their rule. I find their behavior and this situation to be deceptive and not consumer friendly. They were not straight forward on their rules for setting up my automatic draft payment and I do not understand why they would make it only good for 6 months just because it was set up over the phone. I was never instructed that I would need to re setup my automatic monthly payment after 6 months. The major problem now is that I am currently in the process of moving and having to get a mortgage. This late payment on my credit report is hurting my credit score and impacting my ability to get an affordable mortgage because of the close proximity in time of the late payment. I feel as though a did the right thing by setting up an automatic monthly payment so that I would never have to worry about this exact thing happening. I tried to be responsible and ensure that any payment needed would happen regularly and I feel like I have been unfairly hurt by this. Bank of America was not straightforward and was deceptive about this and has not done anything to correct the issue. When I called customer service they were not helpful and bounced me around from one person to the next. I currently am carrying a XXXX balance on the card and planned to close the account after I finished my home purchase and the process of getting my new mortgage. This situation and the negligence of Bank of America is hurting my family and I and are ability to buy a new home affordably. I am including a copy of the XXXX statement I got sent to me from Bank of America showing that I paid off the total balance of {$380.00} on the card on XX/XX/XXXX when I found out my automatic payments were not happening. I am also including a copy of my XX/XX/XXXX statement showing that there was an automatic payment draft in place for this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response