Consumer Complaints: Bank Of America, National Association

No narrative provided by consumer.

No narrative provided by consumer.

No narrative provided by consumer.

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I XXXX have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. XXXX XXXX

two months ago I open two Bank of America credit cards by mistake. I open one extra one. The idea was just to open one as soon as I figure it out then I called Bank of America and the agent told me in a recorder line that she was 100 % sure that closing one of the credit cards whiting 30 days of opening will not damage my credit score, now I find out that it went down XXXX points on my credit score

my credit report is inaccurate across credit reporting agencies XXXX and XXXX. They are showing a bank of america card, XXXX XXXX XXXX, and XXXX that have confusing information. I demand that this be investigated and deleted from my credit profile across all bureaus do to inaccurate information.

On XX/XX/year> at XXXXXXXX XXXX XXXX XXXX XXXX IST. I accessed the XXXX website to purchase 2 tickets for a show in XXXXXXXX XXXX. When I can time for me to fund my 2 tickets, I attempted to use the XXXX feature because I felt it was safer due to the foot print buying digital abroad. In moments, I received a response, " OOPS, the XXXX feature was working select a different method of payment. That is when I used my Bank of America debit card with more than a sufficient balance to cover the {$320.00} purchase.

After entering my debit card information and selecting purchase. I received a text from BOA on my cell phone. Alerting me that my debit has been used to purchase {$320.00}. Was it me. I responded yes, I made the purchase. I went back to the XXXX website to look for the approval and start travel arrangements, however the transaction was declined.

I contact BOA, customer service on XX/XX/year>, around XXXXXXXX XXXX, and spoke to XXXX in AR.

I asked XXXX to help me understand why I received a response in my BOA app saying my purchase for {$320.00} was approved and later declined. I made the purchase from my home computer, on a secure website where I had to be verified, and from my IP address from my internet provider. XXXX explained that the initial transaction was approved and then my account was blocked due to the XXXX activity. I explained that they were two separate transactions and my purchase should have gone through with no issues. I have more than enough funds and verified via text that I the one placing the transaction.

XXXX offered that if I used my debit now, it would be good. I explained that I was in a queue and the time frame I had to complete my transaction was limited to 4 minutes. After BOA declined my transaction my opportunity was gone for the seats I selected.

XXXX apologized, however did not offer to do any thing about the error they caused. Except she was adding the information to her notes.

Billing error 15 USC 1666b 16 XXXX XXXX and accounting on remittance on interest coupon dividends on my securities certificate of indebtedness Open-End Credit Account : XXXX XXXX public law 73-10 Full faith and credit I maintain an open-end credit account with Bank of America, account number Finance Charges and Credit Indebtedness : It has come to my attention that BOA has not credited my account with dividends derived from treasury coupons via the ETF Act . These funds, which should have been applied to my account to offset finance charges and reduce overall credit indebtedness, have not been properly credited. 1099 Forms : Additionally, Bank of America has failed to provide me with all copies of Form 1099 for both past and present transactions. These forms are essential for tax reporting purposes and must be furnished promptly as they are considered income. Timely Payment and ETF Act Compliance : Under the Electronic Funds Transfer ( ETF ) Act and the Truth in Lending Act, payments made via treasury coupons should be applied promptly and accurately to my account. The finance charges applied to my account appear to be in violation of these regulations, as they are not required under an open-end credit customer credit plan. Certificates of Indebtedness : There has been no transparent communication or presentation of documents regarding the handling of my certificates of indebtedness securities. This lack of disclosure and clarity raises serious concerns about the management and reporting of my financial activities.

No narrative provided by consumer.

XXXX XXXX XXXX closed my checking and savings account without my written consent to do so, and without my permission, without having written expressed consent. I did not receive any notice before, doing or after they closed my accounts. when I extended my credit to open the accounts. XXXX XXXX XXXX have violated the truth in lending act, Regulation x, y and z. They have violated 31 cfr 357, and the gramm-leach- bliley act ( 12 usc 1811 ), 15 usc 1681, 15 usc 1681c-2, 15 usc 1681e, and 15 usc 1 15 usc 6802a 1-3, 15 usc 6802 b a-c 15 usc 6801 they have reported the closing of all of my checking and savings accounts and now they are affecting me personal, financial and has cause me harm. This account is also insured by FDIC and according to the FDIC rules a consumber must opt-in to overdraft protection. These accounts have been open for a few years and who gave them permission to closed them? and also they where charging fees which are against the law, and they need to be held accountable for all of the fraud and deceptive practices they are involved it. they have violated my rights, and my privacy without my written expressed consent.

I was travelling from XXXX XXXXXXXX XXXX XXXX DC via XXXX where I had a layover of some XXXX hours on XX/XX/XXXX. 2024. My flight from XXXX took off early in the morning of XX/XX/year>. When arrived in DC i got transection alerts from Bank of America which had happened while I was on flight. In total three transections ( {$450.00}, {$71.00} and {$37.00} ) had taken place fraudulently and the fourth one was an order placed through online store. I immediately contacted the bank and informed them about the illegal use of my card and reported it lost. The representative of the Fraud Investigation department of bank closed my card and assured me that they remove the charges in a few days. They also said that they will do an investigation of the fraud.
The charges were duly removed from credit card only to appear again three days ago. The bank also sent a letter through the banking app saying that my claims are invalid and that I must pay the amount.
I am shocked that the bank has seemingly concluded that I have falsely claimed the amounts. The bank is seeking an easy way out here and thinks it should make me pay for this. If these transections are not fraud than why did the bank cancel the fourth transection that happened along with the three illegal ones? It knows that fraud was committed using my stolen credit card. If I wanted to put a claim falsely, why did I not put it on other transections and only those that happened while I was on flight to XXXX DC?
I am a preferred customer with the same bank and I being victimized. I would sincerely request your intervention to protect my interest in this case.
faithfully yours, XXXX XXXX

No narrative provided by consumer.

No narrative provided by consumer.

No narrative provided by consumer.

On XX/XX/year>, I feel victim to a business email phishing/spoofing scam where I sent a vendor payment in the amount of {$33000.00} to a fraudulent Bank of America account XXXX I have emailed XXXX twice and have received no response. The fraud presented when someone intercepted the vendor 's email address, changing XXXX letter in the address to appear valid. They sent me the real copy of the invoice to pay, but with fraudulent XXXX instructions. I contacted my bank, filed a police report, filed an XXXX, FTC report but still haven't received any response from Bank of America. The fraudster opened an account in the vendor 's name, so it is a fake account. I still owe the real vendor for a payable. I'm very frustrated to have XXXX details on if they are investigating this theft/fraud. XXXX XXXX is the company but the fraudulent email was sent from XXXX, which is not her email. My company is XXXX XXXX and my bank is XXXX XXXX XXXX

No narrative provided by consumer.

On XX/XX/XXXX I checked my mobile banking app and saw a fraudulent ACH payment to a credit card I do not own, in the amount of {$4200.00}. I was not sent any text alerts or email alerts like I have been in the past. I immediately called the fraud department regarding this unapproved transaction. After over an hour and multiple transfers, an agent said she could not initiate a claim or stop payment as the ACH was processing and that Id have to call back the next day once the charge posted. I called in today, XX/XX/XXXX, and after 2 hours, multiple transfers, and denials to requests to speak with a supervisor, I have no resolution or case number. Ive been told it will take up to 10 business days to review and investigate, which is unacceptable since I have no access to my money during this time.

Bank of America is failing to uphold safeguards and is allowing fraud to run rampant. They fail to take accountability and provide basic consumer protections to prevent large amounts of money from being illegally accessed and stolen, and thus, are complicit in the fraud. When this unique, first time transaction was noticed on my account ledger, it was not paused, stopped, or canceled in spite of immediate requests by me. I was not provided any alerts or timely resolution.

Bank of America response stated on XX/XX/year> on complaint XXXX, they did not use my son 's business account ending in XXXX in making the decision to deny a increase my credit but all the information furnished prior to this response would indicate that is incorrect, even stating that I was a owner of that account.

Since my credit is impeccable, the only negative issue found by them was that I was a " authorized signer on another account '' not owned by me.

They state that as part of their credit review they also take into consideration signers of accounts that you are not a owner on, which is in contrast to federal laws which states signers on accounts not owned by them are not liable for that account. " Bank of America considers not only variables such as your payment history, but available credit, balances on other accounts, and overall risk when making credit decisions. This includes accounts where consumers are listed as an authorized signer. '' Bank of America should furnish this policy is part of their credit review to determine credit worthiness increases on their credit card.

XXXX Ex-husband was awarded the family home along with the responsibility of securing a mortgage in his name. A quit claim deed was filed in XXXX XXXX, Florida public records surrendering my rights to the property. XXXX ex-husband stopped making payments for approximately 2.5 years. A loan modification was granted by a third party which used my name and wages to secure the modification. XXXX modification Modification payments have been delinquent since XX/XX/XXXX and once more tarnished my credit rating. The modification of mortgage extended the loan to 44 years without my knowledge or approval. Yet, my credit is impacted by a debit that required a quit claim deed to release all rights to the property. How can this allowed?

No narrative provided by consumer.