Bank of America

3/16/2021
Re: Mishandled credit

To Whom it May Concern:
I made a payment on my Mastercard 9812 on 2/15/2021 for $600, somehow it made a $6000 payment. I called right away. I was told that this sometimes happens, and that the money would be credited back to my checking account within 7 business days. I agreed to continue with the $600 payment. I was expecting a $5400 credit.
This created an ISF fee from B of A on 2/26/2020, for $12.00 and $36.24 as well as a $15 charge from my mortgage company. My insurance premium was also late.
This credit was not made to my account. Again, I called and was told that the credit was sent out as a paper check and would arrive in 7-10 business days from the day that I called. This check never arrived in my mailbox. Unacceptable, as I was told it would be an electronic credit.
Again, I called and was told that the money would be transferred within 5-7 business days.
On 3/11 a credit in the amount of $4528.08 was made to my checking account. I called again on 3/15/2021.
I was told that the $5400 credit could not be made due to the fact that my credit limit is $6, 000 and I was $216.67 over my credit limit. These amounts do not make sense.
I was told by Nyana on 3/15/2021 that the $871.92 would be credited back to my account as I had requested.
B of A has had $5400 of my money from my checking account for over 30 days. I was told by three (now four on 3/15/2021) that this would be resolved.
I have called and been told something different every time, as well as having to explain everything over and again each time I called.
I have been a customer of Bank of America for over 30 years. (previous accounts were joint, I am now divorced). This is unacceptable, especially as a loyal customer.

I am requesting some kind of gracious monetary restitution as I have spent countless hours away from work, and this ordeal has been enormously stressful. As I stated above, some of my bills were late.
Also, my credit line for my Bank of America Travel VISA is $12, 000, why was it that my history not considered? My history with Bank of America does not warrant this treatment.
I have incurred $63.24 in charges, $15.00 of which were from my mortgage company. This was embarrassing.
Please respond immediately with a phone call and email. I do not expect to wait 5-7 days or 7-10 days for a response. I also expect that I will be contacted by a supervisor from both my checking account and Mastercard.
I am considering changing banks at this time.

Thank you,
Christi Holm
[protected]
[protected]@gmail.com

February 22, 2020: I was the victim of theft, someone stole $600 off my EDD prepaid Bank of America card from a neighboring city's ATM. I immediately called Bank of America and filed a claim, was told to file a police report, fax police report, a copy of my driver's license, and a written statement to Bank of America. A new card was also ordered. I filed the police report; and the fax was sent around 4:30pm that day

February 23, 2020: I called Bank of America to ensure the fax had been received, it had. Was told claim will be handled, and I should have my funds returned to me within 40 business days

February 24, 2020: received replacement debit card but was unable to activate it. Upon calling Bank of America, they said my account was closed by EDD due to the fraud claim, and I would need to verify my identity with EDD. Immediately called verified my identity through the ID. Me website and called EDD. Was told I already verified my identity back in January, but they would send a letter to Bank of America on my behalf. Sat on hold for an hour and a half this time.

March 1, 2020: received a letter from Bank of America stating they closed my claim due to my account being closed. Called them, and they said they still had not received any information from EDD to turn my account back on. Told me I would be able to refile the claim [could not confirm whether that would again shut down my account]. Called EDD and again had them send the information they said Bank of America needed. Sat on hold for two and a half hours this time.

March 5, 2020: still unable to activate the card due to my account being closed, I called Bank of America to get it turned back on. He filed a "tracker" and told me there was no other way he could help, then hung up.

March 8, 2020:
Again unable to activate my card due to account being closed, I called Bank of America. She told me she would fill out a "hardship form" for me to assist the speed. Then got on phone and told me she also filed a "tracker" and there was nothing else she could do.

March 9, 2020: again, my card will not activate because the account is closed. Upon calling, they told me my account will be closed for 60 days as they can investigate my claim. Brought up the letter I received stating my claim was closed, and he agreed my claim was closed. When I asked what they were investigating to turn my account back on, he stated "the claim". He then transferred me to his supervisor who promptly hung up on me. Called back, had the lady on the phone tell me she will file another tracker as the notes on my account said no one had done it yet, and she transferred me to another supervisor. Was again told they were waiting for EDD to verify my identity. When I told her that was done she said I still need to wait for the claim to be investigated. When I told her the claim was closed, she again told me I needed to verify my identity with EDD before they could do anything. This cyclical conversation continued until the call was disconnected.

March 15, 2021: went into the Bank of America off of 2nd ave in Escondido, CA. asked to speak to the bank manager. I was told he could not help me and given his card.

I am a single mother to three children, out of work due to the pandemic and this ebt card is my only steady income is unemployment. Furthermore, I have reached out to my lawyer for assistance in solving this matter

I have had a problem with Bank of America and any charges that I need to dispute for whatever the reason & Bank of America is not helpful whatsoever. Since the have had an issue with so much fraud every time you dispute a charge the close that account & issue a new card which is very inconvenient and then most of the time they do not credit the amount being disputed until a determination is made. Now I have a regular checking account, so I know how a bank should handle these kinds of disputes which does not entail every time that a new card needs to be issued. There are many companies out there that have fraudulent practices themselves. I have lost a couple of hundreds of dollars because of their practice, and they just do not work with u to resolve any matter. For another thing I am homeless & do not access my accounts especially that have to do with finances unless am on a secure network and if and when I have a stable place to be for a while that some transactions seemed to have run out of time frame to dispute which I totally do not feel is right. Also, with this pandemic Bank of America needs to do whatever they need to do to help the public with whatever dispute. If I had been aware of their practices I would never have continued to use the EDD card and would have had the money deposited into my checking account where my bank has no problem with any dispute I have ever contacted them about & assumed Bank of America would also operate the same way. If you don't have the same security or safeguards that you have with a checking account debit card then they should notify people of that because it is a big deal. I cannot afford to lose a penny because of some companies fraudulent things that they do concerning consumers.

I took over as a signatory on a business account. I started in the East Irondequoit branch who were absolutely no help. They might have worked for a competitor.

I then set up a time and visited the Pittsford NY office near me. The branch representative was not able to help me as the account was being transferred from Florida. I was required to make a second visit to the branch. The process to transfer the account due to technical issues was about 40 minutes.

While this was very disappointing, it pales in comparison to trying to get any online support. The login information I received from the branch was incorrect, so I called the branch to resolve the issue. They transferred me to online services who after getting my personal information transferred me to a business help line. After 45 minutes of waiting I hung up out of frustration.

I retried the call at 5:45 thinking that the volume would be less. I gave B of A the benefit of the doubt. I am now 15 minutes into another wait time with no response.

TOTALLY UNACCEPTABLE.

I am a personal Chase customer and a Shareholder in B of A. This experience is ridiculous even in a pandemic.

I called the branch representative the following day and was told he would return a call. Surprise, no call.

This is not increased volume its symptoms of under staffing and poor training. If nothing else being able to leave a number and have someone call back would be better. Although the likelihood of a call back is in question.

Kevin Phelps
CEO and Director
[protected]
Immune Therapeutics, Inc.

I placed a dispute for fraud in back on 12/14/20, where my EDD Deposits were taken off my card in California. After multiple attempts of calling in and following their directions, I finally contacted the local Channel 2 News. I received only one letter in writing from BOFA and that was that the account was closed and that they were researching it. Months had passed and still nothing until I contacted 2 on Your side.

Finally 02/15/2021, I received a reissued card and have had the card and activated it for 2 weeks now. I went to check the card today, 03/08/21 for a deposit and the card has been turned off again. I called got one dept who verified me and said they can't turn it back on, transferred me, got verified again and then he said it's a three step verification. So far it's been an hour and I'm still on hold! What is going on with BOFA. They have my email and phone number and I've verified who I am. They could have simply notified me like all the other card companies if something looked wrong. I don't understand how they do business. This is has to be the worst customer service I have ever experienced. It is beyond clear that they DO NOT care about their EDD customers because the service level is absolutely ridiculous!

on 12/27/20 I was a victim of my edd money being stolen from my Bank of America card and called in to report it. Since then Bank of
America sent me a new card in which I haven't been able to activate it. I never got a response from BofA regarding my money being stolen and EDD has since verified my identity. How and when will I get a card I can use. The incident was on 12/27/20.

I have substantial funds I have never received as well they have very rude customer representation given unanswered quetions.

BoA website never fully accommodated customers who live outside of US, meaning customer profile page does not accommodate non-US address and phone number. Not only that, every time I move, I actually have to send a snail mail or do a change of address when I travel to US, which of course I can not do right now.

Now BoA implemented 2FA using mobile phone without accommodating international mobile number to my amazement, so naturally I don't get the code because a code is sent to my phone number without country code.
I called the customer service, waited for over 30 min and then a customer rep gave me a one time code, and instructed me to place a check mark on website to remember the device. I told her that that only works for a few weeks at best but she insisted that that was the way.

Then I opened customer profile page, and found that there is a check box that notes the phone number registered is not a mobile number. I thought that would do it, but then I kept getting an error saying that it was not able to save the information.

Sure enough, after only a few weeks, I was not able to access my account yet again. In frustration, I found "client case executive response team" page. I contacted them now twice but every time I get identical template reply (from a different name), saying that I either need to call them or they call me. Of course, I opted to have them call me, but then they never do, and never received any email either.

Really, I don't need to have a phone conversation. I just need to have the 2FA disabled for my account. All I need is to get back the access to my own account.

Hello my name Jackilynn Barnetta Coles and when the accounts got shut down by the millions for the G.A.M.B. It's fixes than frozen and it's still mess up i ma need for bank of America to fix it righty this has been going on for some time now. Every time i call i get its being fix nothing yet my 1099 G is not correct at all I just wish someone can fix my account so i can get back to CA to look for my son that has been missing for a while now. thank you card # [protected]

I Am Going Go The Media! My husband and I are at our wits end, and we're getting no help at all from Bank of America customer service. We initiated a wire transfer to Costa Rica on February 8, 2021. We were told the funds would be available February 11, 2021. Today is the 24th and the funds have not been received. Last Thursday, February 18th we initiated a trace on the whereabouts of our funds. We were told it would take 2 business days, so we were expecting some kind of answer by Monday, February 22. As stated, today is the 24th and Bank of America has no information on our $17, 500.00, which is totally UNacceptable! We have been loyal, respectable customers for over 40 years, and now we are getting no assistance from customer service at all. We are in another country and have no access to our funds. Please Help! Our money is gone and Bank of America WILL NOT help us! I am prepared to take this to the media

on December 13, 2020 I tried to withdraw some funds from my account and was unsuccessful with obtaining customer service. I called Bank of America the very next day. After changing my pen#, I was told by a representative for Bank of America that I should be able to use my card now. UNSUCCESSFUL ! Today is the 21st of February 2021, and my account went from FREEZE to CLOSED. what I would like to know is why did Bank of America take 6 weeks and 5 days to mail me a letter of said ''IRREGULAR, UNAUTHORIZED, or UNLAWFUL ACTIVITIES INVOLVED WITH MY PREPAID DEBIT CARD. '' Since that day I have logged/documented/notated every single call to Bank of America and DETR/EDD. And since that very day my calls to the conglomerate companies of Bank of America and EDD have been not so rewarding with the real who, what, where and whys my account is still closed and not one representative can possibly inform me of the real reason why my account is still frozen. I've been pushed away from Bank of America every time I call for help or reason. On February 8th of 2021 I spoke with a (BofA) representative by the name of Michael who said my credit card was submitted for clearance on 2/8/2021 and should take 7-10 business days. On February 17, 2021 my call was transferred from Stacy to Malory who said she will personally send an ESCALATION EMAIL to her superiors. On 2/19/2021 I spoke with a young gal by the name of Daisy who was so very rude to me that I could not believe the unprofessionalism that Bank of America has working for what I thought was a stand up company from my past experiences. I asked to speak to a LEAD and Daisy said no to me and rudely hung up on me. I called back only to make a verbal complaint and was again transferred to Malory. Bank of America has yet to disclose the IRREGULAR, UNAUTHORIZED AND UNLAWFULL activities on my account. Why did it also take Bank of America 35 business days to notify me of my make belief fraudulent account.

My father made his mortgage payments every month on the 14th via Western Union. Bank of America returned monthly payments because that amount was not enough(due to adjustable). They waited 3 years and then filed for foreclosure. i filed bankruptcy to save the home with the intention of paying the bankruptcy off once BofA made good on the check. The checks were too old to cash and they said that they would reissue. They failed to reissue the checks and still have our money.

$1604.00 per month for 3 years

I am requesting refund of all checks not already refunded, interest, refund of bankruptcy fees. Will also be requesting attorney fees if I have to obtain attorney.

Late billing — took them over a month to get my bill to me. — they blamed the post office — but my other cards did not have this problem
After I paid by check, mailed 11 days before billing due date, they charged me late fee.
Even after I paid electronically the entire amount they charged me interest.
I paid the next billing ahead of schedule by check.
Nearly two months later they received original check payment and tried to cash it — I had put a stop payment on the check because they had already been paid in full.
They charged me a fee for returned check fee.
Three days later I received a threatening dun letter by mail. — funny how the post office got me this dun in record time!
Made me jump through multiple hoops to get the fees reversed — it was like they didn't know who I was — after nearly thirty years of having their card in my wallet.

I am going to report the fraud of Clarissa D. Covington.

Doesn't make sense to me at all. I just joined BOA last November 25, 2020, without knowing about the suspicious and fraud activity and No one was telling about the third-party.

The Bank of America closed my checking account, and they stated it would be closed forever without notice. I disagree with their decision because I have never had done this situation as a victim this is first time. I did not know about this suspicious activity of Bank of America and about fraud and suspicious of Clarissa D. Covington in the first place. Doesn't make sense to me, the BOA is the best in America. I was questioned myself, "Why the Bank of America did not tell me a warning through an email, call, or BOA app" like that before sending the mails on Jan. 26th, 2021. After finding out the mails on Jan. 26th, BOA informed me that a closed account.

Clarissa D. Covington, where works at Louisiana Workforce, deposited the money into my BOA bank account without my permission on Jan. 25th, 2021. I have never given my checking account number to Clarissa D. Covington and anyone.

What I think is fair is that they should give a setup for the early warning system in the first place, but they did not do that, so that is why I think it is not fair. If I had known at least 24 hours of the early warning system before, I would have checked on it myself, and I would have seen it on my BOA app. I would have explained or reported the fraud before they closed the bank account. If telling an early warning before, I would not have a problem with a closed BOA Checking account.

I would like to clear up and resolve this situation. I would like to keep an open new account or reopen a closed account at the same BOA instead of other banks. So, I can go to the BOA Branches anywhere. Please FIX RIGHT AWAY this situation of the FRAUD activity WITHOUT DELAYING. I CANNOT WAIT and BE PATIENT LONGER.

What is happening to Bank of America! I've been a customer for many years and never experienced the lack of care for customers as I've been experiencing lately. I will call the main 800 number and they never answer. You just get routed to different options and you can never get a person to help you. When you call the branch, it's the same thing. They keep you on hold and no one ever answers. One time, when I called the main 800 number, after being routed all over the place and holding to speak to someone for 40 min, someone finally answers, still couldn't help me so she transfers me to someone else and I could hear a man's voice sounding upset saying "what is it that she wants?" As if I was ruining his day.

Someone has stolen my card info. I have united airline, Qtrip, and other airline charges I never made. I notified my bank while charges were still in progress and I still lost my money. The denied my dispute. I have lost over 1200. Bucks. I called again and told them to investigate again. They again denied to pay. I need my money back. I trusted this bank and now I'm freaking out about how safe my money is.

I been receiving edd for the last 4 and half months some one hacked in to my account and transfer my money to another account and I called the bank and filed a claim and it is over $2000 and they only credit my account $982.00. The person that did it changed all my security questions and password. They even sent the person an email saying that I changed my email address

I keep receiving statements in the mail of this account I never opened. BOA will not close the account with asking all my personal information including a PIN number to allow them to access my account, which I never opened.
I want this account closed, deleted, removed along with my name. BOA is adding Service Fees each month. Attached JPG. I have contacted BOA about this and nothing has been solved. BOA wants SSN, Birthday, Address and all I want is to remove this fraud account.