BANK OF AMERICA, NATIONAL ASSOCIATION
Consumer Complaints
There are over 87057 complaints on file for BANK OF AMERICA, NATIONAL ASSOCIATION. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 62
2019-09-25
Arco, 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
Complaint: Disputed transaction for unauthorized charge by a merchant.
Merchant Name : XXXX XXXX/ XXXX XXXX XXXX XXXX -- XXXX Date of transaction : XX/XX/2019 Date of Chargeback : XX/XX/2019 Amount : {$250.00} Bank of America Visa/Debit Card Transaction ( No signature ) This merchant was NOT authorized to charge my card for this transaction.
This was a landscaper that had my card on file to charge upon completion of twice monthly services in the maximum amount of {$100.00} and ONLY after obtaining my prior consent with verification that the work had been completed. I am an out of state homeowner and this individual took advantage of that fact by not showing up or doing the job he was contracted to do. He was FIRED for breach of contract, not showing up and leaving my yard unkept covered in weeds, overgrown and dead grass and bushes growing wildly along with leaking sprinklers that I had to pay another company almost $ 1k to repair due to his negligence. The amount in question was charged AFTER he was fired for non performance, and not showing up as contracted and another company was hired to complete the work. I in fact contacted him immediately when I saw that he charged my card, and told him he needed to reverse this charge as it was NOT AUTHORIZED.
I gave this individual ample time to credit my card before filing a dispute, he refused.
I filed a dispute with my bank, Bank of America, they issued a chargeback on XX/XX/2019.
The merchant provided an invoice addressed to a completely different person with a different name as part of his rebuttal and " evidence ''. He has also provided some papers that show what appears to be a random message thread with no names, numbers or any indication that it's a conversation I am a part of or not just something he wrote and printed up himself. It certainly doesn't show my name or number associated with it, not too mention unless he can provide an actual sealed transcript from my cell carrier, anyone can photoshop and doctor up a fake document to attempt to defraud someone. I could just as easily have printed out some documents to say whatever I want them to say as well.
Giving a merchant a card to keep on file for one monthly charge after work has been completed and I authorize the charge, does not entitle them to just randomly charge an individual 's credit card at will, whenever they see fit, especially when the cardholder has explicitly informed this merchant they were NOT authorized to charge anything without prior consent.
This is tantamount to fraud and I would expect as a client of Bank of America for 20 years to be treated better than this. I respectfully asked them to reconsider the decision based on this information and their lack of ANY proof that I authorized them to charge my card {$250.00}. I will be filing additional formal complaints with the XXXX, XXXX XXXX and the FTC.
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
Bellevue, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
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
Jupiter, FL
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Complaint: I have a current 30-year mortgage with Bank of America ( BOA ). The interest rate is 4.5 %. My FICO credit score is XXXX. I have paid off my student debt and car loan so the only debt I have is the mortgage.
About a month ago, with interest rates falling, I applied to BOA for a re-finance quote. They quoted me 4 %. I thought that was high, so I did some research online and obtained a 3.375 % quote from another lender. BOA asked for the opportunity to match the rate and said it would be easier for me to remain with them since it would be less paperwork and more convenient. Stupidly, I agreed and told the other lender that I would not be taking their offer.
During the following weeks, BOA sent me Closing Disclosures ( CD ) that showed they would pay me {$630.00} at closing ( see attached ). The last one I received was on Wednesday, XX/XX/XXXX. Because I work a regular XXXX - XXXX job, BOA scheduled my closing for XXXX yesterday, XX/XX/XXXX at my home. When the closing agent arrived he gave me a CD that showed I needed to pay $ XXXX at closing. I was shocked. I am not a drug dealer so I don't have that money lying around at home. I called BOA and spoke to the loan manager ( " XXXX '' ) and she said it was for property taxes. However, that amount was significantly higher than the amount quoted in the XX/XX/XXXX CD. Additionally, in none of the many email and phone correspondences between me and BOA from XX/XX/XXXX -XX/XX/XXXX, NOT ONCE did anyone mentioned that I need to bring any money to closing. Needless to say, I was unable to do the closing and will be cancelling the re-finance application and taking my business elsewhere.
I noticed today that interest rates have now gone back up.
I strongly believe that BOA knew that could not truly match the rate of the other lender and resorted to a " bait and switch '' scheme to entrap me.
How is this fair? How is this remotely honest? Is there any remedy or options to punish BOA for engaging in this practice?
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
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: see documents below thank you for your help
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
El Sobrante, CA
Fraud or scam
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I utilized XXXX through Bank of America to send money to another B of A customer. This was a business transaction where I transferred {$500.00} for services. The individual received the money never completed services and can now not be reached.
Bank of America tried reaching the scammer they could not and now refuse to do anything further. The scammer was also a Bank of America customer.
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
Took or threatened to take negative or legal action
Debt collection: Credit card debt
Sued you without properly notifying you of lawsuit
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
Fayetteville, GA
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Complaint: Debt collector lacks standing in collection activities and is violating my legal rights in attempting to collect the allege debt. The debt collector is involved with other parties that have used fraudulent methods while attempting to secure the allege debt. There has been a range of federal violations associated with this particular case.
I am providing evidence in form of an affidavit of facts from an expert witness to the CFPB and other government entities to verify the illegal activity.. I am also inserting a legal notice of sale that states that XXXX XXXX XXXX , XXXX XXXX as Trustee is involved in the debt collection activity despite their claims this is a Bank of America situation.
I have attempted to resolve this matter and open to some type of settlement prior to further litigation.
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
FL
Threatened to contact someone or share information improperly
Debt collection: Other debt
Talked to a third-party about your debt
Complaint: Was harassed by XXXX XXXX XXXX XXXX out of XXXX XXXX, CA about a debt from 12 years ago. Was
threatened with being served if I didnt pay {$790.00} that day. Before calling me, they called family members harassing them too. Ive never received anything in the mail relating to the debt. They said they send paperwork to my former place of work and to an apartment that I lived in 12 years ago.
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
FL
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: From the Florida Attorney General 's Office Florida Attorney General XXXX XXXX received your email regarding Bank of America. Attorney General XXXX asked that I respond.
We appreciate hearing from you, and I am sorry for your difficulties. I am forwarding your correspondence directly to Bank of America for review and to ensure the bank is aware of your situation. We are asking Bank of America to contact you and our office on the outcome of its review.
Additionally, you may also wish to contact the Consumer Financial Protection Bureau ( CFPB ), the federal agency that reviews concerns involving financial institutions, credit accounts and consumer financial products. You may contact the CFPB at ( XXXX ) XXXX or online at http : //www.consumerfinance.gov/complaint/.
Finally, because our office is not at liberty to give legal guidance to individual consumers, if you need legal guidance, please consult a private attorney. The Florida Bar offers a Lawyer Referral Service toll-free at ( XXXX ) XXXX or online at XXXX XXXX XXXX.
Thank you for contacting Attorney General XXXX XXXX Office. I hope this proves helpful.
Sincerely, XXXX XXXX Office of Citizen Services Florida Attorney General 's Office XXXX, XXXX XXXX XXXX, Florida XXXX Phone : ( XXXX ) XXXX Website : XXXX : XXXX INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XX/XX/XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX, FL XXXX Phone : ( XXXX ) XXXX Email : XXXX RE : The Bank of America XXXX XXXX. XXXX XXXX XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX Website : https : //locators.bankofamerica.com/fl/newportrichey/financial-centers-new-port-richey-10338.html Subject : Bank Fraud Date : XX/XX/XXXX Subject : Bank of America . ( Bank Fraud ) XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
XXXX, Fl. XXXX Case # XX/XX/XXXX-XXXX First theft, Date XX/XX/XXXX Card # XXXX XXXX XXXX XXXX Second and third Fraud XX/XX/XXXX, Virginia, XX/XX/XXXX Mass.
We, on the first time, went to the bank here in Florida and notified them that someone got into our account and acquired some money.
The bank replaced the money and then cut up our cards and issued new ones with new Acc. numbers, without a problem of what had occurred.
Thinking back of that evening before the beginnings for these transactions, a pick up truck was at the ATM machine and was there for some time and might have been attaching a skimmer to the machine. Just an afterthought now.
At that time we didnt think of it or we would have never made our transaction.
The second time is when we were in Virginia. We found that 2 separate withdrawals of, {$990.00} and another one of {$490.00} was attempting to get our money from our account.
That day we went to the bank in Virginia about this and they gave us new cards and replaced / stoped the three attempts to get our money.
That is, if the people already got the money.
They didnt blink an eye about issuing new account numbers.
Then while we were in XXXX, Mass. when we found another attempt of the same three amounts as the last attempts.
We went to the bank in XXXX, Mass. and notified them that the same transactions were again attempting to get our money from our account.
Again they gave us new cards and new numbers.
Sense then theyre saying that WE gave permission for the transaction to go through. Now, theyre refusing to replace the moneys that were stolen. We have no knowledge of who attacked our account or how they got the information that they needed.
One of the agents of the bank, would think that after the first two attempts that were replaced as fraud, they would suspect that something was wrong with these transactions again and ask questions from us.
The bank never called our phone number that is associated with our account.
They never did at any time.
We did bring our laptop to XXXX and they asked. They did find malware but couldnt determine if this was causing help for the stolen moneys.
Up until the first incident at The Bank of America in Florida, we never had any banking problems with them or any other bank, ever.
From what I have heard that there is a program called, XXXX,???
And if weve heard right, anyone can make it look like anyone could have OKed the transaction.
We also got a lawyer to help with our problem.
He was unable to talk with the bank without our OK.
Our lawyer sent the bank a registered letter to have a three way talk to have us give permission to talk with our lawyer about our problem with the bank.
The bank did not respond to our lawyers request.
On XX/XX/XXXX, at XXXX XXXX, XXXX XXXX XXXX wrote : I just received the card establishing that Bank of America received the certified letter so hopefully they respond shortly.
Even then they never responded.
If we wanted these transactions to go through, we wouldnt have gone to the banks to stop the first and second transactions at the beginning of these transactions.
Not to mention we do not buy or pay anything through the Bank of America.
This, I would think that something isnt right. 6 Especially after what has been going on with our account with the past attempts.
We only use this account for when we need cash and especially while traveling, not for any purchases.
When we do make our credit purchases, they are done through a credit card and paid through XXXX XXXX XXXX XXXX XXXX XXXX and never through Bank of America.
This has been going on for over a year now.
Thank you Mr & Mrs XXXX XXXX XXXX XXXX XXXX XXXXErr
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-25
Arco, CA
Problem with a company's investigation into an existing issue
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Difficulty submitting a dispute or getting information about a dispute over the phone
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
Pensacola, FL
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
2019-09-25
Fort Lauderdale, FL
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
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
Bremen, GA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: On XX/XX/XXXX, Bank of America sent me a letter informing of their decision to close my credit card.
They listed reasons that did not apply to my account, my relationship with the bank and an inaccurate credit score.
I was very concerned, as this is the second credit card closed by Bank of America. The previous closure did not provide a letter indicating the reason for closure.
I spoke with withe 5 different Card Services agents over the course of 30+ days and communicated with them via XXXX.
Although the last person I spoke with, XXXX, agreed that the reasons listed in the letter did not apply to me, based on their review of my credit report, My accounts remain closed.
A letter from Bank of America dated XX/XX/XXXX simply stated that we accurately reported to the consumer credit reporting agencies. At this time we consider your dispute closed.
Curiously, my problems began when I retired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-25
Miami, FL
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-25
Belleville, NJ
Managing an account
Checking or savings account: Checking account
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
2019-09-25
Reno, TX
Managing an account
Checking or savings account: Other banking product or service
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
2019-09-25
Beacon Hill, WA
Applying for a mortgage or refinancing an existing 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
2019-09-25
Atl, GA
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
2019-09-25
NC
Unauthorized transactions or other transaction problem
Money transfer, virtual currency, or money service: Mobile or digital wallet
Complaint: THIS IS NOT THE SAME THIS IS NOT A DUPLICATE I have reported fraud and identity theft since XXXX/XXXX.
I reported fraud and identity theft in person to XXXX XXXX XXXX XXXX XXXX va the manager XXXX.
I have over XXXX XXXX dollars that has been illegally stored and transferred via Ebankibg unknown identity thief.
XXXX bank if America regulatory supervisor after intense fraud research thru my complaint her letter dated XX/XX/XXXX states CLEARLY MS XXXX I DO NOT SHOW ANY OVERDRAFTS ON YOUR dole account of XXXX. I recently obtained bank of americaiXXXX dole accounts that prove that was a false statement by my financial institution that should be protecting my monies and personal information from being combined with other persons/ entity. attached are screenshots of the XXXX XXXX XXXX overdraft. Of {$35.00} and then I was charged {$35.00}.
So again bank of America who had XXXX access to my sole account of XXXX XXXX XXXX from XXXX thru present date.
Also identify the bank of America addresses of my sole account that bank of America put on my monies Opening thru XXXX XXXX XXXX XXXX Florida XXXX XXXX deleware I am requesting the authorization documents if who put me on these business type EBANKING accounts with my deposits of over 100 thousand dollars plus transferred monies ( without my knowledge or permission ) that was fraudulently used tampered with transferred and someone running thru fraud unauthorized check cards which I did not have any debit cards as per summeralls letter until late XXXX.
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
Gonzales, LA
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
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
Artesia, CA
Improper use of your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Credit inquiries on your report that you don't recognize
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
Atlantis, FL
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 monetary relief
2019-09-25
Maclean, VA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
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
El Paso, TX
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: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-09-25
Simi Valley, CA
Advertising and marketing, including promotional offers
Credit card or prepaid card: General-purpose credit card or charge card
Didn't receive advertised or promotional terms
Complaint: My name is XXXX XXXX and I applied for a credit card from Bank of America back in XXXX of XX/XX/2019. The card had a promotional rate of 0 % APR for 12 months and a cash bonus of {$150.00} after spending {$1000.00} in the first 3 months. I received my card sometime in XXXX, but they sent me 2 different ones. One ended in XXXX and the second ended in XXXX, I was confused so I called them to confirm which of the two cards had the promotion I applied for. They confirmed it was the one ending in XXXX, so I started using it. It has now been 2 months and I have spent more than the {$1000.00} dollars and have not received the promotional bonus. I called Bank of America and they told that they had advised me to use the wrong card, but can't do anything on their part to correct the issue. I told them that I want them to honor the bonus as well as the 0 % APR, but they said the only thing they can do is the honor bonus but not the promotional APR, even after they reviewed the recorded calls and agreed that their agent made a mistake on the call we had back in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief