BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-22

Other transaction issues

Money transfers: Domestic (US) money transfer

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Columbus, OH

Taking out the loan or lease

Consumer Loan: Vehicle loan

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-22

MN

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Franklin Lks, NJ

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-11-22

San Diego, CA

Account opening, closing, or management

Bank account or service: Other bank product/service

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-11-22

Baltimore, MD

Bankruptcy

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-22

Fullerton, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Beachwood, OH

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Bridgeport, CT

Deposits and withdrawals

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-11-22

Simpsonville, MD

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Lincoln, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have called this company, and they have informed me that they can not give me any information on this account, and do not find me at all, but refuse to delete it from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-11-22

Tucson, AZ

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: Bank of America reversed fees that were charged to my account by XXXX. There was a world wide computer glitch on XX/XX/2016 the day my child & I were scheduled to travel. I had travel insurance from XXXX. Which is a {$100.00} rip off. It claims to compensate the traveler for lost luggage, delays etc repatriation, up to {$25000.00} but it is pointless to buy as they could not help me at all. I bought tickets for myself and my child to fly from XXXX to XXXX because her father is in XXXX. The glitch happened as we were at XXXX airport & no one called us to say it was impossible to change the tickets. It is XXXX, we have a negative {$800.00} account & it seems bank of America will not look at the internet to see that there REALLY WAS A WORLD WIDE computer glitch that caused XXXX a serious problem, and that travelers are getting refunds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-11-22

Piedmont, SC

Account opening, closing, or management

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

NY

Delinquent account

Credit card:

Complaint: RE : Bank of America Credit Card Account # XXXX 1. On XXXX XXXX, 2016, I received an adverse action from XXXX Bank after applying for a credit card. The reason, in part, was that I had XXXX delinquent credit cards on my credit report. 2. In early XXXX 2016, I found XXXX accounts on my credit report, that should be removed per XXXX XXXX XXXX XXXX which states that accounts with adverse information can not remain on a credit report by more than five years. For background, all XXXX accounts had collections issues in the past, but all XXXX collections issues with each lender were resolved. Each account was closed and marked as paid as agreed. This all occurred over 5 years ago. 3. In early XXXX 2016, I disputed all XXXX of these accounts with XXXX. ( confirmation # XXXX XXXX 4. By XXXX 2016, XXXX lender removed the adverse information, and a second lender deleted the account from my credit report. However, XXXX lender, Bank of America, would not remove the account. 5. On XXXX XXXX, 2016, I contacted XXXX to discuss the dispute with Bank of America. I was advised to contact Bank of America by XXXX. 6. On XXXX XXXX, 2016, at XXXX XXXX, I spoke with XXXX XXXX at Bank of America Collections XXXX I advised XXXX of the situation and Bank of America 's violation of NYS law XXXX XXXX XXXX refused to remove the credit card account from my credit report and instead demanded I pay Bank of America {$39.00} for a closed checking account ( an account I had no recollection of, nor was reporting as a delinquent account on my credit report ). Rather than risk a new credit issue, I paid Bank of America {$39.00} ( even though they provided no evidence that I indeed owed them for this newly discovered debt, nor could they provide details on the account 's history ). I warned XXXX XXXX of my intent to file a CFPB complaint over my experience ; he stated that a supervisor would contact me if they felt I had a valid claim. No one contacted me. 7. On XXXX XXXX, 2016, at XXXX XXXX, I spoke with XXXX XXXX at Bank of America Credit Reporting Department XXXX I made her aware of the situation and my intent to file a CFPB complaint. I advised XXXX of Bank of America 's blatant disregard for NYS law XXXX XXXX XXXX advised that she would research my request, and 24 hours later, XXXX called me back to state that Bank of America acknowledges my concern but it 's not their responsibility to address this issue. XXXX faulted the credit reporting agencies ( i.e. XXXX, and XXXX ). 8. On XXXX XXXX, 2016, I started a new dispute with XXXX over the same Bank of America account. I provided XXXX with the updated information and my intent to file a CFPB dispute. ( confirmation # XXXX ) 9. On XXXX XXXX, 2016, XXXX responded to my second dispute and refused to take action. At XXXX, I called XXXX XXXX and I spoke with " XXXX '' a supervisor with XXXX XXXX She provided confirmation # XXXX for the call. XXXX advised me that XXXX would not remove the account, and that I should contact Bank of America or dispute again. However, as I explained to XXXX, I already dispute the account and Bank of America refused to remove it. 10. Due to the blatant disregard for NYS law XXXX XXXX by Bank of America, I am filing this complaint. While XXXX, and potentially other credit reporting agencies may also be responsible for this violation, I 'm initiating my first complaint against Bank of America. I would also like to add, I feel extorted by Bank of America. After attempting to resolve an illegal credit reporting action, they forced me to pay them {$39.00} for a checking account I had no recollection of. Moreover, they never resolved my original issue ( the removal of the credit card account ). I appreciate your help in this matter. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-22

Wallington, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Bank of america falsely used their " right to offset '' to pull funds from another b of a account XXXX to XXXX after the over drawn balance was offset using this same manner. every representative gave me wrong information, or information that could not be verified. i was told the funds were used to cover a check that was actually returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Bellaire, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Bank of America stated I misused there account. There is no proof of that I was still trying to get my balance caught up and simply fell on hard times. Now that I am back on my feet due to lack of respect and discrimination I can not get a bank account. I would like proof of the alleged allegations. I never intended for the bank account to get closed my fianc a the time tried to send money to account and to no prevail succeeded. I tried to open a new account with regions only to find out Bank of America contacted early warning signs to put a alert out for me. I feel like I was profiled discriminated against and never was warren about the account being closed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-22

FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I bought my residential property in XXXX with a mortgage, hazard/wind insurance and flood insurance on the entire property. In XXXX I took out a home equity loan with Bank of America, also on the entire property. XXXX insurance has always provided the flood insurance, though the agents servicing the loan have changed over the years. In XXXX, XXXX my local XXXX agent abruptly left the company. My flood insurance was due on XXXX/XXXX/XXXX. I could not pay it because my local agent had left XXXX and the new agent could not access the database containing my records.As soon as he could get into the records, he called me. I gave him my credit card payment over the phone. He verified the mortgagors on the account, including the Bank of America. He said he would notify both and he did. However, I got a letter from Bank of America saying my policy was " cancelled or expired and acceptable evidence of coverage was required. '' I sent a copy of my declaration page. I got a second letter with the same wording. I sent a second copy of the declaration page. No other response. I noticed a fee of {$1100.00} had been charged to my HELOC account when I was reviewing documents in connection with a loan modification I was requesting. When I called Bank of America about it, I was told the charge was for a separate structure that I added to my property that had to be covered by a separate policy. I explained that no structure had been added and asked to talk to a supervisor. The supervisor informed me that the flood policy was not even on a residential property and that the insurance requirement was different. I called my ( new ) insurance agent who assured me that the policy was indeed residential and that nothing in or on the declaration page said otherwise and that everything was still covered. I have been going back and forth with different employees of the Bank of America. Every time I talk to one of them they come up with a different explanation for why this duplicate insurance on my property has been force placed. It is a single property with several buildings that I bought in XXXX. It has been taxed and insured as a single property since then. A permitted shed was added in XXXX and both insurance companies ( XXXX XXXX for hazard/wind and XXXX for flood ) were notified with no problem. The same insurance remains in place since before the HELOC was initiated in XXXX. The property is not two separate properties. They are attached by structure, utilities and a single septic tank. I rent part of my property for vacationers and must keep a separate address for the county so they can get mail and so I can pay tax on the rent. but no structures have been added. The same loan with the same provisions has remained in place, but I now have force placed, extremely expensive, DUPLICATE flood insurance policy on my property. Please note, THERE HAS BEEN NO PROBLEM WITH THE PRIMARY MORTGAGOR OR WITH THE HAZARD/WIND POLICY on the same property. This duplicate insurance fee needs to be removed back to XXXX/XXXX/XXXX but I can not get relief from the many Bank of America representatives I have talked to over the last several months.,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Long Beach, CA

Credit card protection / Debt protection

Credit card:

Complaint: I filed a dispute against Bank of America Credit Card unit because I took my car into a repair shop and they did not fix it and then they tried to change me additional fees to fix the original problem. I sent several documents to Bank of America by fax and they said they did not receive them and the deadline for my dispute was expired. I filed a compliant with your organization and keep in mind the car repair shop issued a letter stating they did not repair the part of the vehicle that I originally requested repaired. Bank of America has put a negative comment of my credit profile in retaliation to the fact that I reported them to your organization. I recently ran my credit and it said the I filed a dispute of resolution. I have a right to contact you and request a fair and appropriate resolution and it is illegal for them to retaliate with the goal of destroying my credit score. I pay all of my bills on time every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-22

Santa Ysabel, CA

Credit line increase/decrease

Credit card:

Complaint: Bank of America sent notification that they reduced my credit limit from XXXX to XXXX. They cited generic reasons in relation to my credit report ; " recent delinquency on one or more of your accounts '' and " insufficient credit history. '' My account was one month past due in the amount of roughly {$50.00}, the entire account balance. Their customer service representative and manager refused to provide me with specific information as to why they reduced my credit limit by {$12000.00}, despite being a responsible credit consumer of their institution since 2003. I have excellent payment history and good credit. I feel that this action is excessive and has a disproportionate impact on my credit score. They refused to send it for secondary review and told me my only recourse was to request a credit line increase, which would further negatively impact my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Scottsdale, AZ

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-11-22

Menifee, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

Tarzana, CA

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: I was recently denied a refinance on my present mortgage by Bank of America. They claimed my debt to income ratio was too high. That may be so but they dragged out the approval process over two months. I paid for an appraisal after underwriting started. The loan office told me I could get a refund on the appraisal if my loan was denied. Now he is telling me I ca n't get a refund because services were rendered. Bank of America 's entity called XXXX made XXXX separate credit inquiries into my credit over the two months, and then demanded a letter explaining why my credit had received so many inquiries!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-11-22

Louisa, VA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: i ordered a file on me from XXXX and found recorded information that i suspect as fraud activity. There are three discrepancies on my file that has a home address that I 've never lived at.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-11-22

N San Juan, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response