There are over 87057 complaints on file for BANK OF AMERICA, NATIONAL ASSOCIATION. Dated between 2019-12-13 and 2011-12-01.
2019-09-26
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Las Vegas, NV
Credit card company isn't resolving a dispute about a purchase on your statement
Complaint: Dear Consumers Financial Protection Bureau I have an issue that I have been trying to resolve since late XXXX of this year. I made several orders on a website called XXXX, which sells gift cards. I purchased 3 XXXX gift cards from them in the form of two separate orders. The first order was made on XX/XX/XXXX, it consisted of two gift cards, one that valued at {$110.00} and the other valued at {$130.00}. When I received them, the two gift cards has {$0.00} in both. On XX/XX/XXXX I had purchased the 3rd gift card that valued at {$72.00}, but the card only had {$11.00} upon being received. On XX/XX/XXXX, I emailed XXXX customer service and informed them of the problem with the gift cards. I had gotten no response back within the day, thus I proceeded to call their customer service number but there was no answer. Within a week I still had no response from XXXX, so I contacted my bank, Bank of America which is the credit card I used to purchase the gift cards. I informed them about the situation with XXXX and they redeposited the {$320.00} used to purchase the gift cards back into my bank account and told me they would investigate the situation with XXXX.
I finally received a reply to my email on XX/XX/XXXX from XXXX stating they would help me by contacting XXXX support about the gift cards and call me back when they received an answer. After that I did not get any responses from them.
On XX/XX/XXXX, I saw that the {$320.00} was taken out of my Bank of America account. I called Bank of America credit card to ask them why that was, they informed me that during their investigation they could not get into contact with XXXX and needed evidence sent to them about all our inquiries with XXXX. I sent them the emails and replies that I had with XXXX customer service. I was awaiting for Bank of America to continue the investigation and get back to me. I went out of town and came back around XX/XX/XXXX and got a letter from Bank of America, that was dated XX/XX/XXXX when they sent it, informing me I needed to send in documentation proving I was scammed by XXXX by XX/XX/XXXX. The time frame in which I was allowed to do this task was limited to 8 days, but the mail was sent out during the time I was out of town. I call Bank of America credit card to inform them immediately that I was out of town and to request that they allow time to continue investigating my case. They told me I needed to get into contact with XXXX again and that they would open a new case for me. I tried my best to email and call XXXX again to ask them to process me a return as the gift cards were empty or missing the proper amount, that was on XX/XX/XXXX.
Bank of America sent me another letter on XX/XX/XXXX to inform me that my new case has been closed again due to lack of evidence provided to them. I called Bank of America again to inform them that I emailed XXXX, but the customer service provider was very rude and denied to keep my case open as it passed the time frame they gave us.
XXXX did not email me back until XX/XX/XXXX, telling me that based on their website policies, they would not issue refunds or replacements after 45 days since purchase. However, I had emailed them before, but they never resolved my issue and waited until the time limit had passed to let me know I cant even get a refund.
I emailed XXXX back to inform them that they were mistaken as I had emailed them as soon as I received my purchase and found that they were defective and I could not even use them. Since that email they have not responded to me at all, which has occurred throughout this situation. They take forever to reply to my emails and they have a customer service number : XXXX, which they never answered when I called during their business hours.
I have been scammed by XXXX and my Bank of America credit card has refused to continue to help me investigate this situation through. I am reaching out to you hoping you can help me solve this issue that I have been struggling with for the past 3-4 months. I will gladly send all documentations for you. I would very much appreciate your help.
Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-26
Mill Valley, CA
Threatened to arrest you or take you to jail if you do not pay
Complaint: I had two credit cards with Bank of America.
I fell behind on payments after being sick. I joined a group called XXXX XXXX XXXX, who I paid to take over my accounts and get the debt reduced and paid off. I paid XXXX a monthly fee.
I then get served a summons after paying XXXX every month for over 2 years by these very mean and rude people at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX I called XXXX XXXX XXXX. I gave them close to my entire life story. The asked for my Employers information and the previous two employers information.
XXXX XXXX XXXX faxed over 200 times, called over 150 times and sent over 300 letters to my then employer. The messages advised the company the I was a fraud, a loser and should not be trusted.
This is me versus a law firm. I was let go. After 5 months of being unemployed, I now have a job.
What they ( XXXX XXXX XXXX ) did to me has to be unlawful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Beyersville, TX
Information is missing that should be on the report
Complaint: XXXX did not report correctly. I did pay Bank of America on time in XXXX. The report of payment is not even on the credit report.
First pic shows empty payment of XXXX. I did pay on time!
XXXX also did not show report on XXXX XXXX XXXX. I also did pay on time. Last pics are of XXXX XXXX XXXX report.
Experian scored me as XXXX but then lowered my score to XXXX. 7pts loss. You will see pics of 3 scores of different dates. Why?! Also, I d not dispute with XXXX as they require me to call. It s XXXX using interpreter due to unclear screen. Best is to be dibe thru online. XXXX has online but seems always require me to call. They are NOT ACCOMMODATING to XXXX people or XXXX people properly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Fort Russell, IL
Debt was result of identity theft
Complaint: I have been given papers of a court filing for petition for revival of judgement. debt was from XX/XX/2009. at that time I was married to my ex wife and resided with her and her son, daughter and her now deceased brother in law. I am not aware of this debt and it is not mine. this is the third case of fraud from this time frame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-26
Cocoa, FL
Problem using a debit or ATM card
Complaint: XX/XX/2019 Letters written on XX/XX/2019 from Bank of America state : " We've completed our investigation of your above referenced claim and based on our findings, we're unable to honor the claim because the transfer was made to an account that you own and the funds were made available to you for personal use, used to pay an obligation owed by you, or both. As a result, we're respectfully denying your claim. '' Transfer was made by a thief, and not available for our personal use ; because we were not aware that the unauthorized transfer was allowed by the bank until after-the-fact, when we received a bank alert on XX/XX/2019 that our account had been accessed by an unknown device. By that time, it was too late, our money had already been stolen, and was unavailable for our personal use. Since the money was stolen in person at the XXXX XXXX, VA branch by someone impersonating my wife, the money was not used to pay an obligation owed by us.
We were told by a bank employee at our branch that to do this, the thief had to present two forms of identification ; which was most likely a driver 's license, and my wife 's bank debit card. The bank 's own records of her checking account show that on XX/XX/XXXX, her legitimate debit card was used to make a purchase of {$25.00} at the local XXXX 's store in XXXX XXXX, Fl, and could not have been used on the same date in Virginia.
The bank 's records also show that for the savings account, her debit card was used to withdraw {$400.00} from the Bank of America ATM # XXXX in XXXX XXXX Fl, and could not have been used on the same date in Virginia. I ask the bank to examine the camera footage from this XXXX XXXX ATM, and compare it with the camera footage from the XXXX XXXX branch to clearly see that not only were these not the same people involved, but also that it is physically impossible to be at two distant locations at the same time. My wife 's employer has provided us with records which prove that she was at work in XXXX Florida on both XX/XX/XXXX, and XXXX and could not have been in Virginia to personally withdraw funds from the Virginia branch.
Based on the incontrovertible evidence which I have provided, I ask that the bank reverse it's determination derived from its ' flawed superficial investigation. My elderly in-laws life savings were taken as part of this fraud, and they can not sustain such a devastating loss. My family can not just excuse a theft of {$17000.00} and I will continue to pursue this matter until the time that all of our federally insured funds have been properly returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-26
Plano, TX
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
2019-09-26
Discovery Bay, CA
Problem using a debit or ATM card
Complaint: on XX/XX/XXXX I was on XXXX and came across a site selling XXXX XXXX XXXX headphones and decided to purchase a pair on a website address " XXXX '' for {$82.00}. I placed an order this same day and noticed after placing the order something didn't seem right because I didn't receive a confirmation email, a tracking number, or any correspondence so I took a screen shot of the site. I noticed the next day the money was withdrawn out of my bank account but by a different company named XXXX. I went on XXXX and noticed this was not the site I placed the order from and the site was a military site selling military merchandise. I went back on the original site I ordered from " XXXX '' and reached out 2 times to contact the vendor via a link on the site " contact us '' they do not have a phone number to call. I have never received a response from my correspondence and still as of today XX/XX/XXXX I HAVEN'T received the merchandise. I called my banking company to open a claim on XX/XX/XXXX. they credited back {$82.00} to my account temporary while they investigated. I received a letter on XX/XX/XXXX denying my claim because XXXX advised they sent an email to the customer ( me ) to pick up the goods and showed the package was signed for on XX/XX/XXXX. I have asked for proof of an email and proof of a signature that I picked up and I am not getting any response and my bank has taken back my credit of {$82.00} today XX/XX/XXXX. I have re-opened my claim with my bank and was told about your site and you being able to assist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Amber, WA
Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Naples, FL
Company closed your account
Complaint: I was Baited into an online dating site on a {$99.00} Transaction ... see previous complaints, Temp credit was reversed, and then redeposited into my account, the data files for this complaint were merged and some of the uploaded data was lost as well as notes in claims to make this go away.. to do they they would request a non communicating merchant agree to give me a refund ... they took this out, then they took another fee out unrelated to this that I mentioned being a long standing customer ... The Same Claims People making something go away took over {$200.00} out, causing an account issue # 1 as an it student I can not deal with this and # 2 I refuse to be ripped off ... spent a week on the phone started again to call and my account was in the process of being closed. All Claim data was rejected I took my time out again only to find out they are closing my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-26
Meiners Oaks, CA
Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Chalfont, PA
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-26
Chalfont, PA
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-26
S Weymouth, MA
Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-26
Chestnut Rdg, NY
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
2019-09-26
Springfield, MO
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Santa Paula, CA
Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Bend, OR
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Chapel Lakes, FL
Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
Harsens Is, MI
Problem with fees
Complaint: I previously filed a complaint with you ( XXXX ) and the bank resolved it and removed the interest that was on the account inaccurately. It is for Account # XXXX XXXX XXXX XXXX.
Since it took more than the one statement period for them to remove that inaccurate interest, I am now being charged {$14.00} interest on that inaccurate interest balance.
I tried to resolve it and the same outcome as last time, the rep just said that since there was a balance ( even though inaccurate ) at the end of the statment period I am responsible. I am not responsible for inaccurate interest.
If you need more to attach all of the statements again or a copy of the previous complaint that was resolved, let me know. This was BoA 's previous response showing I didnt owe the balance.
Company 's Response On XX/XX/2019, we spoke with Ms. XXXX regarding her complaint. During our conversation, Ms. XXXX, advised us that she went online and confirmed that her account had a XXXX balance. I advised her that I was contacting her to confirm she was aware that the Interest Charges had been adjusted and her account had a XXXX balance. We explained to Ms. XXXX that the service she received had been elevated to the appropriate level of management to ensure we continue to uphold our high standard of excellence. Interest Charges accrue daily on the balance until the payment is received in full. At the time the previous monthly billing cycle closed, Interest Charges through that date were included based on the previous unpaid balance. The XX/XX/2019 monthly billing statement reflects all the Interest Charges accrued from XX/XX/2019, through XX/XX/2019, which was the date the payment was received.
MONETARY RELIEF AMOUNT {$440.00} Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-26
TN
Card was charged for something you did not purchase with the card
Complaint: On XX/XX/19 someone called Bank of America claiming to be me and asked that a payment be refunded to their account instead of the account the payment originally came from. Bank of America sent {$4000.00} to an account that I do not own or have ever owned or that has ever been associated with my credit card account.
I discovered this on XX/XX/19 and called Bank of America right away. They cancelled my card, issued me a new card and told me that they were stopping payment on that refund and that the {$4000.00} payment would be put back on my card.
I received my new cards but they never put the {$4000.00} payment back on my card, so my balance is still {$4000.00} higher than it should be.
I have spent many hours on many days trying to resolve this with Bank of America. They still have not fixed it as of today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-26
Houston, TX
Company closed your account
Complaint: On XX/XX/19 I received a letter from Bank Of America stating that they closed both of my credit card accounts due to Irregular Authorized User activity on one or more of my accounts. I received two letters for both accounts the letters were dated XX/XX/19. In the letter it stated their decision included a review of one or more of the following : account history, total relationship with them, current economic trends, and a copy of my credit report or reports. The first credit card account has been active and in good standing for a year now with a credit limit of {$7500.00} and a balance of {$6300.00}. The second credit card account has been active and in good standing for 6 years and 4 month with an {$8000.00} credit limit and XXXX balance. I've had a banking relationship with B of A for a total of 11 years with other current banking accounts that are and have always been in good standing. I am also a preferred rewards gold member, that the bank invited me to join their tier program. Due to me maintaining an average of a certain amount of money in my checking, saving, and or IRA accounts. I contacted the bank immediately because I was unaware of why I was being penalized. I was on hold so long that by the time a customer service rep came on the line, the department I needed to speak to was closed. She gave me the number and told me to call first thing in the morning. I asked her did I break any policies, she reviewed my account and didn't see anything wrong. She stated I will need to call the number to get more information. The next morning on XX/XX/19 I called back and I spoke with a credit analysis by the name of XXXX. I explained to him my concerns, regarding my credit card accounts. He shut me down immediately and said my accounts were closed, and they don't tolerate what I'm doing. I asked for him to explain to me what am I being accused of, I honestly don't understand what's going on. He said he doesn't have to go into any details about it, I asked can he at least explain to me what does the letter mean that I received. He said he doesn't have to do that as well. I explained to him that I value my relationship with the bank I will never do anything to jeopardize that. I've always been in good standing for 11 years, and I need an explanation on what's going on. He kept repeating himself for thirty minutes, not allowing me to speak and he told me if I didn't like it. I can always go to another bank, and they're not the only bank that has credit cards. I can apply for another credit card, or apply to re-open my account. I asked why would I need to apply if I already had them. He refused to answer any of my questions. I requested to speak with someone who was willing to help me. He told me there was no one else I can speak to, due to it being a very small department. I requested again to speak to a manager, he said he will put in a request and I will be contacted in a few days. I explained to him how I've done nothing wrong, and why am I not allowed to speak to anyone. He repeated himself again about it being a smaller department. I asked why am I giving the option to re-apply when they closed the accounts, how does any of this make sense. He said those are my options I can do that or just simply hang up the phone. I pleaded with him once again by explaining how this is my life and it will have a very negative impact on my credit I will lose everything I've worked so hard to have. He stated that he's a credit analysis and he's very aware of what will happen to my credit, and I can google on how to repair my credit. I requested again to speak to someone else because I feel that he was abusing his power with my accounts, and that he was bullying me. He denied my request and said he's the only person, or I can hang up. I said I will hold until he put someone else on the phone. He said that he will put me on hold for the remainder of his shift, because there was no one else there to speak to me. He put me on hold I held for a long while he never came back to the phone. I hung up and called back, and spoke to another customer service rep from another department. I explained to her all of my concerns and how I was being treated in such a way. She put in a internal complaint and explained to me the options I had about getting my account re-open. She spoke to a supervision to look into why my credit card accounts were closed. They couldn't find anything, and assume it could be an error. They said looking at my account I've done nothing wrong, and they put in my request to have them re-opened. Later on the same day I contacted the fraud department to see if they had any insight on what's going on. I spoke with a rep in that department she couldn't find anything wrong with my account. I asked her what does " irregular '' authorized user activity mean. She said that's when an authorize user has abused an account. I explained to her that my account is in good standing and always has been, so where is the abuse coming from. She placed me on hold and spoke with her manager for a period of time to review my account. The manager said there was nothing wrong and they could not find a reason as to why both accounts were closed. They said I am allowed to have up to 10 authorized users on my account. My account being closed has nothing to do with the fraud department they could not give me any further explanation as to why my accounts were closed. They provided me with another number stating I will need to speak with a special credit department to maybe get the answers I needed. She tried transferring me to that department but unfortunately it was closed for the business day. I will need to try calling the number she provided to me in the morning. She apologized that she couldn't help me, and she hope I get the problem resolved soon. Later that evening I reached out to Bank of America care team via XXXX messenger. I explained my issue and explained how no one has a valid justification on why my accounts were closed. I asked will they be willing to direct me to the department who can help me understand what's going on. I received an automated message stating that they will contact me during regular business hours. The next morning on XX/XX/19 they sent me a message requested my name and zip code and they will review my account and have someone reach out to me. A few hours later someone reached out to me and had me explain what's going on, I told them how I was being treated by the credit analysis by the name of XXXX. I'm just trying to get to a manager because this isn't fair, and no one can provide me with any explanations. He took my information and transferred me to a department that can help me. Once the rep came on the line from the credit department the next rep explained to me that the credit department did not close my account. A department called " Risk Prevention '' closed my account. I explained to him that I read through my credit card statement I didn't do anything stated on there that would cause me to have my account suspended or closed. Why would my account be closed by the rick prevention department he said all he can do is just transfer me and I can ask them and they will answer all of my questions. I waited on the line to be transferred, and once again the rep that came on the line was XXXX. I tried to tell the rep that I didn't want to speak with XXXX but I guess he disconnected his line and didn't hear me. XXXX then snickered on the line and said oh yes is ... and he stated my name purposely mispronouncing mocking it in a famous ghetto black name that people use to classify a person ethnicity. I corrected him giving him the proper pronunciation of my name, and immediately told him that I don't want to speak with him, because I'm trying to get help about my account. He said he's the only person who can help me, there is no one else in the department. I told him to please stop bullying me and get me a manager on the line. He denied my request and said I still need to wait a few more days, and it's only been 24hrs. I simply requested again to speak to manager and I explained to him, that he is discriminating against because of my race. Which I knew he was due to the manner on how he pronounced my name. He just sat on the line and didn't say anything back to me. I then restated on the recorded line all of the negative remarks he told me the day before. I explained to him that as a consumer I had rights and he is violating my rights. I told him that he is practicing unlawful acts towards me, and I need to be transferred to someone immediately. After stating that he put me on the line with another rep by the name of XXXX a senior credit analysis. I explained to XXXX my frustrations and I still haven't received a valid justification as to why both of my credit card accounts were closed. He told me that they have the right to close my account without giving me a valid reason, I explained to him I just need an explanation. I didn't do anything wrong, and I don't understand what exactly I'm being accused of. He said I can apply to get my accounts re-open, and it looks like I applied the day before and it was denied. I asked to provide a reason, and he said the system denied it. If I wanted to apply again I can do so, and XXXX will review my application and make a decision. I explained to him how XXXX is abusing his authority and has been bullying and discriminating against me. How does he has that right to make a decision on something that's going to have a major impact on my life. I told him my fate is in his hands, and he already knows he's going to deny my request. I requested for someone else to look at the account. He reviewed my account and told me that they were unable to verify the identity of one of my authorized users on my account that was added. I asked how is that possible I provided all of the information requested for me to give. I told him I'm sure this is misunderstanding and which one is it, so that I can go and make sure I had all the correct information and that it wasn't keyed in wrong or something. He told me he couldn't give me the name of the person, and any other further information. I told him how can we correct the problem if you won't give me anything. He apologized and said the department as decided to not re-open your accounts. I said when you say department you mean XXXX right, and he didn't answer that question. I also asked why not just removed the authorized user, instead of closing all of my accounts. He said that isn't an option, and if I want to re-apply to get them open again I can. I explained how they are running me around in circles and I already applied twice and it was denied each time. So what other options I have, and he said I don't have any and he wish he could provide me with information that I wanted to hear but at this time my accounts will remain closed. I said your contradicting yourself because how one minute I'm told I can apply to re-open, the next minute I'm told they will remain closed. He apologized and said there is nothing further he can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-26
NC
Confusing or missing disclosures
Complaint: On XX/XX/XXXX2019 I picked up a bank of America letter/ package that was a response to the cfpb complaint I submitted. The package/did not have a bank of America letter of response to my cfpb complaint as stated to the cfpb that they were not going to send it thru the cfpb due to privacy issues BUT IT DID ENCLOSE the attached information letter regarding a insurance policy thru XXXX XXXX XXXX XXXX XXXX Main street FOR XXXX and XXXX XXXX XXXX NC It stated special homeowners policy.
So here is my response attached that would not go thru dated XX/XX/XXXX2019 to bank of America screenshots of what I wrote.
This again is combining my personal info with other unauthorized persons by Bank Of America. I request a response from Bank of America regulatory XXXX XXXX XXXX XXXX XXXX to explain to me why they would do this to me again. I am also making a monetary award of XXXX milkion dollars under the Gramm Bliley act of 1999 for Bank Of Americas failure to protect both my monies and my personal information. I reserve my legal rights in this matter.
XXXX XXXX XX/XX/XXXX 2019 2019
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-25
Chicago, IL
Non-sufficient funds and associated fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-25
San Francisco, CA
Complaint: Uodate on my previous complaint : According to Superior Court of California dated XX/XX/XXXX my proproperty was never sold and a mortgage was never opened by anyone except me in XX/XX/XXXX. Please refer to case information XXXX XXXX for " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. Please see Register of Actions.
I was evicted and can not stay in my home. Please have the sheriff or appropriate government official give me possession of my home. There are squattters/people living in my home and making illiegal alterations to my home now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation