BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-21

Tacoma, WA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Consumer Financial Protection Bureau assisted me with complaint Transaction ID : XXXX back in 2013 due to Bank of America not cooperating with a re-finance request. I am now writing due to the fact that after the completion of my divorce the house was awarded to me and is current. After the divorce I had to file bankruptcy due to bills that were accumulated by my ex-wife and she was not required to pay them back due to full XXXX. My complaint with Bank of America is that they will not discuss allowing me to refinance or take advantage of any of the HARP programs because the loan is privately held. Per court order I am required to refinance and remove XXXX XXXX from the title. BofA did allow me to submit an Assumption ( Request Consent to Add/Remove Family Member from Deed/Title ( approved per BofA ). I need assistance pursuing my need to re-finance my home as this is very stressful to be stuck in a situation where I am paying my mortgage and feel vulnerable to the bank.
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

2016-11-21

Jacksonville, FL

Application, originator, mortgage broker

Mortgage: VA mortgage

Complaint: I placed an offer on a house and contacted Bank of America loan officer that gave me a preapproval when i started looking. i asked where to begin told me the rates over the phone i asked for a Loan Estimate so i could verify it was the best deal. his tone changed and he told me my loan was hard due to a foreclosure in the past and other banks would have a hard time. I said ok i still wanted the Loan Estimate. he sent me a closing cost worksheet. i asked if this was the loan estimate he said yes, then i sent an email back saying even his document said it was n't at the top. The loan officer insisted that I send the contract over to him for the Loan Estimate. I referred him to the CFPB site and saying i did not need to send that information to him with what i need to give him. he brushed it off and requested the contract again. he still has not given me the loan estimate and continues to ask for the contract. when i informed him that according to the CFPB site i should not give him the information and if he continued I would complain to the CFPB and let them sort it out. he responded saying he wanted the contract for the property address and closing date and not to threaten him. so now I 'm letting the CFPB take care of it.
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

2016-11-21

Boise, ID

Billing disputes

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: No Timely Response

2016-11-21

N Chesterfld, VA

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

2016-11-21

TX

Charged fees or interest I didn't expect

Payday loan:

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

2016-11-21

Antelope, CA

Making/receiving payments, sending money

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

2016-11-21

Krakow, WI

Making/receiving payments, sending money

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 explanation

Disputed: Yes Timely Response

2016-11-21

Chemehuevi, CA

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

2016-11-21

TX

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I was victim of a scam. I was contacted through my website by a guy named XXXX XXXX. He wanted to purchase lamps from my store for a XXXX in XXXX and needed me to ship them to XXXX using a shipping company he usually worked with. A guy named XXXX XXXX got in touch with me using a shipping company name from a company that actually exists ( XXXX XXXX XXXX ) and asked me to deposit the shipping costs to assure the freight date. After receiving the money from XXXX XXXX credit card, I made the first wire transfer to the shipping company who had a ( fraudulent ) account on XXXX and began with the production of the lamps. A few days later XXXX XXXX contacted me again, telling me his client from the hotel wanted XXXX more lamps but he needed me to asure the shipping of the XXXX lamps could be done the same day. So I contacted XXXX XXXX to make sure he could book the shipping for the XXXX remaining lamps on the same day. After sending the second purchase order to XXXX XXXX he gave me a different credit card to charge for this order, I had problems charging the complete amount so I called XXXX ( the company who works with Bank of America to provide merchant services ) and explained I was having problems charging the card XXXX had gave me, they told me there was nothing wrong with the card but my average Ticket was to small to make that transaction and actually suggested dividing the transaction in smaller amounts, which I did. This time the shipping company gave me a Bank of America account telling me it would be easier and quicker for me to make a transfer if it was from the same bank. A week passed and I was already finishing the lamp production when XXXX contacted me again, he wanted more lamps, it just did n't sound right. He was asking for XXXX more lamps and was not worried at all about the delivery or how the production was going. After making some XXXX research, calling the shipping company and realizing XXXX XXXX did n't work there and that the account he had given me was n't from XXXX, I realized this was a scam and immediately called Bank of America to ask for a charge back for the money I had transfered to the shipping companys account in Bank of America but had positive results, since the account had already been closed and the funds withdrawn. Bank of America was not interested in investigating more from the person who opened the fraudulent account with them and told me I had nothing left to do to recover that money. I got charged back for everything I charged on the credit cards XXXX XXXX provided and now Bank of America wants me to pay for all the charge backs, blaming me to be the only responsible for accepting a credit cards that ended up being fraudulent, after, I was charged by Bank of America a ridiculous {$660.00} dls of fees for the credit card transactions I did. I was the victim here and this criminals used institutions like XXXX, Bank of America and XXXX to commit their scam. Its incredible that XXXX never suspected the cards I was given where fraudulent and even helped me figure out how to complete the charges when I was having problems but it is even more absurd that Bank of America has all the information of a fraudulent account that was opened in their bank and has no interest on catching this people and instead are targeting me ( a 2 year loyal customer ) to pay for the complete chargebacks. The other problem I am facing now is I got blocked from XXXX services for the chargebacks I received and now Im loosing some sales since I ca n't charge my clients with credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2016-11-21

Lenexa, KS

APR or interest rate

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: No Timely Response

2016-11-21

Hinsdale, IL

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 explanation

Disputed: No Timely Response

2016-11-21

San Francisco, CA

Closing/Cancelling account

Credit card:

Complaint: It all started yesterday when I receiving an email that stated : After careful review, we determined this account needed to be closed, effective XXXX/XXXX/2016. We apologize for any inconvenience this may cause. I immediately called and was stunned to find out that the email was genuine, and that my account truly was terminated without cause or notice. The initial reason I was given was that the account was closed for security reasons due to 6 months of inactivity. That seemed like an easy fix, but the agent was unable to resolve it and had to transfer to another department. There I was asked a lot of questions and was eventually told that they were not going to do anything about it and a letter was coming in the mail. I went on to speak to many different credit analysts, all who asked me a lot off questions and responded with the same answer ... sorry, but you 're not getting your credit line back. It was clear that Bank of America had an agenda to steal my {$35000.00} in working capital under false and unethical pretense, Its systematically closing customer accounts for XXXX reasons in order to commit theft. And despite my pleading that this would seriously derail my business, and that I may have to lay off employees due to inability to cover payroll, or lose business due to inability to provision for the upcoming holiday seasonality rush ... they could have cared less. What makes matters even worse, is that I 've been a customer of this bank for decades ... and have a perfect record with them. I 'm the type of loyal model customer any business wants to have - which each agent I spoke with acknowledged each time. So its absolutely terrifying that if they are steeling from me with a 'whatever ... you 're not getting it back ' attitude as to how this is going to impact my ability to stay in business ... then you have to ask yourself .... Just how many other, smaller guys are they doing this to right now as well ... who are not model account holders with decades of loyalty and spotless records?????
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

2016-11-21

Aubrey, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In XXXX of 2016, I received notice from Bank of America that my Safe Deposit Box, which was free of charge for the past ( 10 ) ten years, would now be assessed a {$63.00} annual fee. Being that I have rarely, if at all used the Safe Deposit Box, I attempted on ( XXXX ) XXXX occasions to close it. With each attempt, I was met with resistance from the Bank of America Branch Personnel. The following are the types of resistance which were presented to me. ( 1 ) " You must make an appointment and come back at another time. '' ( 2 ) " You must have a government issued ID. The ID on your Bank of America Debit Card is not sufficient. '' The Safe Deposit Box is empty and all I would like to do is return the keys. I was told if I did not return the keys, I would be assessed a {$250.00} rekeying fee. This is the last account I have with Bank of America, since I have closed my checking account, but I continue to receive notices concerning the {$63.00} annual Safe Deposit Box fee.
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

2016-11-21

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: The XXXX XXXX, XXXX Notice of Default ( NOD ) signalling the public initiation of the foreclosure process was recorded in error. In the Bank of America ( BofA ) XXXX XXXX, XXXX letter, BofA represented to me no principal balance is associated with this home loan mortgage account. Therefore, this account can not be delinquent as no default is possible, making any NOD recorded related to the XXXX Deed of Trust to be unlawful and without cause by Bank of America and their representatives or third party agents acting on their behalf, regardless of capacity or authority, at the time of recording and anytime since the NOD was recorded. Since the recording of the NOD, the account status remains as it was prior to recording and no payment activity has occurred on this account as evidenced by the account payment history records, no Rescission nor Notice of Trustee Sale ( NTS ) has been recorded, and no notice of pending sale has been provided to me or posted on my property. No Trustee Sale has been conducted for the property and my home has not been sold due to the recording of the NOD. I have provided multiple written notices to Bank of America via the BofA borrowers Home Loan Modification Status iportal dated XXXX XXXX, XXXX and XXXX XXXX, XXXX, and on XXXX XXXX, XXXX, XXXX XXXX, XXXX ( rescinded loan letter ) and XXXX XXXX, XXXX via the CFPB complaint iportal indicating the property has been occupied openly and notoriously, all property taxes have been paid current ( at the time of notices ), and the property is adversely possessed and owned by myself as my primary residence. Currently, there is no existing requirement in law to make known real property ownership through adverse possession other than an open and notorious claim of ownership for a period of at least sixty consecutive months, so on XXXX XXXX, XXXX I posted a public notice prominently displayed on the property of adverse possession. On XXXX XXXX, XXXX, I publicly announced adverse possession of my property and home and will continue to do so for three ( 3 ) consecutive weeks thereafter within the county where my property is located. Having submitted a complete Request for Mortgage Assistance ( RMA ) application package and having made a timely appeal upon receiving a written denial of a MHA HAMP without ever receiving a written determination on appeal, the modification process is incomplete to date. Therefore, I am considered pending in the modification process as a matter of law. When one is pending in loss mitigation processes while concurrently active in foreclosure processes, it is considered dual tracking and prohibited by the California Homeowners Bill of Rights ( CalHBOR ) and the National Mortgage Settlement ( NMS ) which govern and apply to Bank of America , N.A . There are XXXX Bank of America in-house escalated cases, ID numbers XXXX of XXXX XXXX, XXXX and XXXX of XXXX XXXX, XXXX, that are currently pending as I have not received any written response detailing steps taken to resolve the issues related within those case escalations to date. CFPB complaints and appeals are also considered escalated cases and, as such, are required to be resolved prior to any initiated or continued foreclosure processes. BofA Appeals Department Appeals Specialist make determinations on an appeal. Appeal determinations are not decided by the Underwriting Department, a customer relationship manager ( CRM AKA single point of contact ( SPOC ) ), or third party agent or representative. I was denied MHA HAMP upon completion of an initial review of a RMA and provided a SPOC issued written denial, but have not been denied MHA HAMP on appeal or offered a MHA HAMP TPP upon completion of an appeal review and have been denied the right to appeal a MHA HAMP initial determination. The right to an appeal is afforded under CalHBOR and the NMS.
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

2016-11-20

Liverpool, TX

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Poor cosemmunication of Mortgage Loan officer XXXX XXXX, causing problems with closing. Although I complied with every aspect of this process, and sent in all documentation, by fax from Bank of America XXXX TX XXXX with OK confirmation. the Loan officer XXXX XXXX failed to tell me that my application was declined after we had a closing date and I was told that everything was fine. I attempted to contact the mortgage loan XXXX XXXX XXXX multiple times, and she would not call or email me back.When I spoke with Vicepresident CS sales Manager XXXX XXXX, he told me that my file had been declined 10 days prior to me calling him.She has sent and email to me and the Title Company XXXX XXXX on XXXX XXXX stating that she was waiting on the underwritting to confirm closing. According to Vice president XXXX XXXX, my file had been declined on XXXX XXXX, I still have yet to hear from Loan officer XXXX XXXX, and I have since rented my house out, since she let me to believe that everything was fine. My children and I now has no place to go due to her poor communication and unprofessionalism,, and I may lose the contract on the house that I am trying to buy. I was also told that if we did not close on XXXX XXXX, I would receive {$500.00}. Bank of America is obviously not concerned with my family 's safety or well-being and has been very unprofessional in this entire process. I will provided all the documentations for this entire process. thank you so much for helping us. XXXX know how many has going through the same situation like me.
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

2016-11-20

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I built my home in XXXX and had a Countrywide Home Loan. My husband died XXXX XXXX. I had to file chapter XXXX on his medical bills. My attorney sent to Countrywide that my loan was excluded from the bankruptcy and debt reaffirmed. Between the time my bankruptcy was discharged, which was XXXX Bank of America purchased my loan from Countrywide who did not pass along my file or reaffirmation on my mortgage. A few months after my bankruptcy discharge, I received notice from Bank of America that my home loan was discharged and I was going to be evicted. I had never missed a loan payment and always paid on time. Shocked and phoned my attorney and then BofA. My attorney forward the reaffirmation to BofA who stated it was too late. I was then advised by Bank of America that due to my circumstances I apply for a modification loan, which when signed would reassign my debt. The beginning of the BofA lies. In order to qualify they instructed me to stop paying my mortgage, as I was current on my loan. So stopped payment as instructed filled out the loan modification paperwork. After two years of lost files, eviction threats, repeated loan modification applications, thousands of repeated documents sent over and over again, XXXX different representatives, crying at Bank of America modification offices from frustration, endless letters to the president/ceo of bank of america, only to get generic letters back, trying to make my mortgage payment without acceptance. I had lost my husband and then spent 2 years fighting not to lose my home which I should never have had to do. I then tried to stop the modification but they would allow me to pay my mortgage stating I was in default and my loan was discharged. I would n't have been in default if they would n't have made stop paying my mortgage, claiming I did n't qualify for the modification since my loan was current. It was the most stressful 2 years on this BofA merry go round. I put $ XXXX down on my home. I had a great job and could afford my payments. I did n't want to lose my home, I had just lost my husband. I finally saw on the news that BofA was in trouble and they were send representatives to meet in person for those that had modification applications. I phoned the # and was able to get an appointment letter. I slept on the floor of the convention center in XXXX XXXX to meet with a BofA rep. I was finally given a loan modification on XXXX/XXXX/2012 at the convention center. What I was offered I did n't understand, my loan balance was {$370000.00}, they charged me the {$370000.00} plus {$60000.00} for fees making my loan modification balance {$430000.00}. I was given no adjustment no discounts as originally promised. I signed the documents, not knowing what to do. I was a widow and I did n't want to lose my home and was exhausted from fighting to get out of the application process. I received a letter from BofA stating that my loan modification was recorded and they would be reporting to the XXXX credit bureaus and it again would appear on my credit as a current loan, as it had appeared on my credit as a " discharged '' debt. Well guess what that never happened. My credit still shows the debt as discharged in my bankruptcy, the modification did not reconfirm my debt. Again never missed a payment, a letter from BofA stating that would happen and years of asking for them to honor their word. Nothing. I hired another attorney, in speaking to BofA they told my attorney that they would have to re-open my bankruptcy that was discharged XXXX. The attorney, XXXX XXXX tried but the judge would not re-open my bankruptcy to reinstate my debt. So I have paid for years on a mortgage that is discharged, yet I have a loan that I am paying on. 2nd issue, I had a second on my original home loan with Countrywide that was also discharged in my bankruptcy. I continue to get threatening letters from XXXX
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

2016-11-19

Burlingame, 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

2016-11-19

San Jose, CA

Billing disputes

Credit card:

Complaint: on XXXX/XXXX/16, Bank of America refused to block any periodic ( every 3 months ) charges to my BankAmericard from an on-line vendor ( a dating site ) that no longer is accessible on-line, and though it has an XXXX phone number, no-one ever picks up the line to allow cancellation of the service and recurring charges. Bank of America only processes disputes of charges already made. This means that every three months I must potentially file a claim and hope for the best. As a result I no longer have control of my finances.
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

2016-11-19

Maynard, MA

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

2016-11-19

Coalinga, CA

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

2016-11-19

Scottsdale, AZ

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: On XXXX XXXX, 2016 I noticed an un-authorized withdrawal from my business account with Bank of America. The payment was made to XXXX for the amount of {$1100.00} dollars. I notified Bank of America immediately and was issued a temporary credit to my account on XXXX XXXX, 2016. On XXXX XXXX, 2016 I saw another charge paid for the same amount mentioned above for {$1100.00} dollars. I do n't know why Bank of America did not conduct an investigation and protect my account against this fraud after my initial complaint. This unauthorized payment resulted in an overdraft and fees. I did not sign a contract with XXXX, nor did I engage in any self-service activity with XXXX.
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

2016-11-19

Echelon, NJ

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

2016-11-19

Leeton, UT

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX XXXX added fees to my account that were erroneous before they sold the account to Bank of America. I contacted BofA to have them removed and they advised me it could not be done unless I got a letter from XXXX. I have completed this and send them a letter. BofA still has not removed the fees and I have sent the letter. This is to let you know if you do not remove the fees on or before XXXX XXXX, 2016. I will take legal action. Your failure to comply with banking laws is unacceptable and should result in fines. I find your failure to handle this in a timely manner harassment and I get no help when I call in for the status. The letter from XXXX is self explanatory and your refusal to remove violates my rights as a consumer. I did n't approve you to add the fees on and you sure are taking more than ample time to remove them. There should be no research done on your part. The letter from XXXX is self explanatory and should be completed asap. I stress to you that I will be filing legal action if this is not resolved by XXXX XXXX. 2016.
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

2016-11-19

Neotsu, OR

Deposits and withdrawals

Bank account or service: Checking account

Complaint: The bank did a charge off of a business credit card when the business collapsed and removed any tracking of the debt from my account information ( e.g. web site ). Three years later, the bank reassumed the Charge-off. Without any notification from the bank, that they re-assumed the debt and now wanted to off-set the funds, the bank withdrew the funds from my primary checking account bringing the account to below the minimum amount required for that account. Upon inquiry, the bank claimed that they do n't notify because they do n't want there to be any chance that funds are removed from the account. During that same time, other non-charged off debts to the bank did continue to be paid on time. Other debts that had been charged off were not acted up due to an inability to pay more. The personal bank account had been maintained just above the minimum level required for the account. Because of the bank 's action, it created a situation where I am in violation of the banking agreement based upon the minimum to be maintained in the account thus having additional negative impacts. One such impact is a XXXX flag that the account is below minimum, so that XXXX denies acceptance of any check written. This was discovered upon writing a check to the dentist for which funds were verified available, but XXXX had flagged the account. BACKGROUND : in XXXX the company in which I was employed, restructured and laid me off. XXXX. We knew that investment was necessary and obtained a potential XXXX Investor and subsequent XXXX. To assist in obtaining the investment, we had up to XXXX employees working on the intellectual property. Ultimately, the XXXX Investor backed out, and left us in a space where the principals ( myself ) had utilized almost all resources to provide the jobs and create the business. Thus we collapsed the business in late XXXX and worked diligently to make payments on non-charged off debts as best as possible.
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

2016-11-18

Miami, FL

Cont'd attempts collect debt not owed

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

Debt is not mine
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