Bank of America, National Association Corporate

Complaint ID: 8419673

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Fees or interest

Subissue: Unexpected increase in interest rate

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: In XXXX of XXXX, Bank of America approved me for a XXXX interest for 21 months card. I was never told by the bank that they were going to be charging any interest rates prior to 21 months. However, the bank imposed an interest rate that was not agreed upon or discussed with me. I took out the card because I was promised a 0 % interest rate for 21 months. In XXXX of XXXX, I submitted a complaint to CFPB. The outcome was that BOA agreed with my complaint. BOA has once again arbitrarily charged me an interest on my credit card, when I agreed to the refund, we agreed to extend the XXXX interest to XX/XX/XXXX. I am ready to pay whatever I owe, but only at XXXX interest rate, it seems BOA has a habit of ripping off its customers. As soon as BOA rectifies their mistake for a second time, I will resume my payments.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8417067

Product: Prepaid card

Sub-Product: Government benefit card

Issue: Problem getting a card or closing an account

Subissue: Trouble closing card

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: Back in XXXX of XXXX I contacted Bank of America let them know I was moving and to please not to send my check of {$7000.00} from the remaining balance of my closing Prepaid unemployment money card please not send the check to my old address I'm moving to a new place and I'll give them that information as soon as I get there I live in an RV so it's changing RV parks. They sent the check there anyways so I had to wait for it to go there get sent back then finally they receive it back this took months finally in XXXX of XXXX I received an email saying I needed to update my address with them so they could send the check out to me so I did that called the number on the email they sent me updated my address they told me it would be up to 40 days that's how long it normally takes for a closed account to get a check I asked him if they could expedite it please since I've been waiting since XXXX now for this check that I told you guys not to send to the wrong address but you did anyways they said they couldn't expedite it I said OK just please help me get it as soon as possible it's XXXX XXXX here not just a couple XXXX bucks they understood the dire need for the funds I called on the end of XXXX which had given them 30 days now I still hadn't received the check I didn't have my cell phone on me at the time the one that was registered with them to get their 2 step verification code so I couldn't pass their verification I was at work at the time in the mine fields so on that day the XXXX of XXXX the Lady Red flagged me which XXXX XXXX my account completely I literally after conversation multiple times with different supervisors and complaining about that lady I ended up having to fly back to XXXX go into a Bank of America branch show two forms of ID to get those red flags removed off the account this is after multiple phone calls of talking to multiple people and trying to get around having to fly back to XXXX anyhow XXXX now I went in with two forms of ID gave them my updated address again and asked them to please expedite the check if they could since it's been now three or four more months they said they couldn't expedite it whatever I told them I also had to fax over documents a piece of mail that I had received at my address to prove to them I did in fact lived here because my ID has my old address on it currently because it doesn't expire until XXXX so I didn't get a new ID with my new address on it because I just had moved here anyhow I sent them via email/fax A couple pieces of mail my old address and my ID and new address documents at least 5 or 6 times just to make sure they got it because I never heard back from them if they received them or not so now it's XXXX I've been told from four different people in the NSS department of Bank of America and card services that they personally would make sure my check got sent out and got here as soon as possible I still haven't received that check I've lost my storage unit with all my belongings I just got my 10 day notice 10 days ago to move out of my house XXXX was terrible XXXX XXXX XXXX was a joke this has cost me everything last week XXXX someone from the NSS Department or check services the head supervisor there told me that he apologized they sent the check to my address but didn't get the lot number correct so he canceled that check and sent me a new one this is the 5th or 6th time I've heard the same silly story I don't understand what the problem is at one point I had a supervisor tell me if I had a Bank of America account I could just transfer the funds into that I told her I didn't have one my girlfriend did and then she backpedaled and said oh no we can't do that why can't they just transfer the money to one of my other accounts any other account that I have I need my money I've lost everything in this is my last ditch effort to try and get someone to do what they're supposed to do and send me the remainder balance of my checking account funds if the account is closed up to 40 days is their policy it's been way longer than that I'm not asking for anything special I just want what's rightfully mine if they want to give me some extra on top of it for the pain and suffering that it's caused me that would be great but I can't count on them giving me the money they owe me I surely aren't gon na count on them doing anything extra please help me thank you

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8416544

Product: Checking or savings account

Sub-Product: Checking account

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: I opened this checking account with {$200.00} bonus. I completed the qualifying direct deposits and met all the other qualifications Bonus : " {$200.00} bonus when you open a new eligible checking account and complete the following requirements : Set up and receive Qualifying Direct Deposits of {$2000.00} or more into that account within 90 days of account opening. '' Direct deposits of more than {$2000.00} were made three times on XX/XX/23, XX/XX/23, and XX/XX/23 Date of Bonus : " If you meet all of the requirements, we will attempt to deposit the earned bonus directly into your new personal checking account within sixty ( 60 ) days '' It has been 120 days since the last direct deposit

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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