BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-17

Brooklyn, NY

Late fee

Credit card:

Complaint: I have XXXX credit cards issued by the Bank of America. I have had them for several years. I set up an auto pay to cover the minimum balance in XXXX but I did not owe any money so the auto pay were refunded to me. XXXX XXXX I started carrying a balance on these cards. Today I noticed that I was being charged a late fee of XXXX dollars even though I have an auto pay set up on both of these account. I called the company and discovered that I have been being charged these fees since my XXXX statement. The auto pay was coming out each month on the XXXX day of the month but my due date was the XXXX day. I did not pay attention to my statements every month so I did not notice the charges and call the company until today. I thought it would be a simple matter to get this corrected and get a refund. Not only did Bank of America refuse to refund my money they did not tell me how to make my auto pay date and my due date the same to correct future errors. I feel that I have been cheated. The woman I spoke to XXXX XXXX told me this was my fault and my fault alone because I did not pay attention to my statements. She refused to refund me any money even for the XXXX late fee because the fee was due yesterday. Can you help me? I feel that Bank of America knew that my auto pays were coming out of my bank after my due date for many months and that we are equally to blame therefore they should accommodate me by crediting some of the late fees. They do get there payment every month via an auto pay system that even XXXX admits is antiquated and confusing. XXXX apologized profusely " for the inconvenience '' but refused to return any money or even tell me how to avoid this in the future.
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

2016-11-17

Wallington, NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I filed for fraudulent activity on my account ending in XXXX for XXXX. Bank of america only submitted one as fraudulent then went on to reverse the transaction without any explanation or followup. They credited me XXXX - i didnt file a claim for XXXX. I filed a claim for XXXX individual withdrawals for XXXX each. My claim on account was reversed and now is overdrawn by almost XXXX dollars and being charged fees everyday. Not one person has reached out to me and when I tried to contact XXXX XXXX again, left multiple voicemails without a single call back
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

2016-11-17

Dos Vientos Ranch, CA

Problems caused by my funds being low

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

2016-11-17

San Francisco, CA

Rewards

Credit card:

Complaint: In XXXX on Renewal of my BOA alaska visa card ending in XXXX I was offered XXXX to not close the card. I accepted the offer, it has been 6+ months and they have not credited the promised XXXX miles to my account. I have called several times and they always promise to post the miles, I have a fairly large sum of money at BOA and this has been a big waste of time to try and get what I was promised.
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

2016-11-17

San Jose, CA

False statements or representation

Debt collection: Credit card

Indicated committed crime not paying
Complaint: Received a call around XXXX phone # XXXX claiming that they are debt collector and wanted me to pay {$7200.00} i owe to bank of american credit card that was open in 2002. They kept on repeating my SSN # which they have correct and threat to send to XXXX office for legal action.They kept on transfer me to different people and kept on asking the SSN # so they have it right. They pull up my criminal file which was wrong and incorrect.
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

2016-11-17

Jacksonville, FL

Identity theft / Fraud / Embezzlement

Credit card:

Complaint: This is my 2nd complaint that I have had to file in the past several weeks about Bank of America, which is a separate issue from my first complaint. For the past few days someone has been accessing my credit card account to update my mailing address and phone number. I live in XXXX, and the individual is updating my address to a XXXX address. I am very concerned about this. I have done everything I can to try to get Bank of America to secure my account. I have reset my online profile, had a new card issues, had a security question added to my account. However, for three straight days someone had managed to STILL change my mailing address. The most recent time they requested a new card to be mailed to the address that was unauthorized. I called in early this morning to report it. The individual went right into my account details without asking for the password that I had setup. I brought this to the representatives attention immediately. This is very concerning as it seems that Bank of America is being hacked. I am very concerned that someone has my personal information. I have even setup fraud protection with XXXX, but somehow someone keeps being able to call into Bank of America and change my address for 3 straight days, and then request a new credit card to be mailed to them. Also, my account security does n't seem to be taken serious when representatives continue to release account information without verifying my password when I call in, which I thought this was to protect me. I have been assured by 4-5 different reps that the issue was fixed and this would not happen again. Well, 3 straight days someone has been making changes to my account. I have been a long time customer of Bank of America, but I am scared to continue to do business with them. I do n't mean to keep complaining, but I am fearful that Bank of America has breached my security on more than one occasion now. What is going on with you guys???
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

2016-11-17

Los Indios, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Selling my mortgage to another bank without any type of notification.
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

2016-11-17

Wonder Lake, IL

Billing statement

Credit card:

Complaint: I have a credit card from Band of America and I set up the automatic payment to pay my balance fully every month. But when I checked my statement, I found that from XX/XX/2015, every month there would be multiple payments to my credit card. One is called PAYMENT DIRECT DEBIT - THANK YOU, the other is BA ELECTRONIC PAYMENT. and in most of months, the combination of these payments would exceed my balance, which led to a credit balance in my account. I just called BOA and the customer service said one of these XXXX payments was not recognized. But I only set up the automatic payment on BoA website. I did n't set up other automatic payment.
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

2016-11-17

NV

Transaction issue

Credit card:

Complaint: Credit Card company paid disputed charges without my consent.
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

2016-11-17

Jupiter, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I entered into a 40 yr fixed mortgage with boa on XX/XX/XXXXXXXX.beginning in XXXX XX/XX/XXXX bank of america has not complied with the terms of the agreement. I have made all payments on time or early according to the agreement. Bank of america has charged me late fees and overdue charges for not receiving full payment. I have been in contact with several resolution specialist, the latest being XXXX XXXX. This rep has stopped calling on the agreed upon times. Boa is inappropriately applying my payments to interest and late charges and other fees that are not owed. I have all the documentation that this loan has always complied with the agreement and the boa states they are still trying to obtain the needed paperwork. This has been going on since XXXX of XX/XX/XXXX.My payments that are presently and historically been current with no late payments are being applied and then reversed according to my monthly statements. I have no way of knowing what is being applied correctly to principal .This has been going on since the inception of this loan, that began in XXXX of XXXX. This loan should be audited by this agency.
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

2016-11-17

Portsmouth, 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

2016-11-17

Anniston, AL

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: A mortgage company Bank entered XXXX mortgages into the mortgage electronic system XXXX under my ssn and home address without my knowledge. My home is paid in full however due to the none corrections to remove the fraudulent loans in XXXX a collection company hired by the company who entered the XXXX fake mortgages into XXXX is illegally stealing our home.
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

2016-11-17

NC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Issue 1 - Events : XXXX. There were many fraudulent transfers related to our valid Bank of America Account Number XXXX between XXXX/XXXX/2016 and XXXX/XXXX/2016 : 2. XXXX of fraudulent transactions were of {$3000.00} for a total of {$6000.00} from our account to a XXXX account on XXXX/XXXX/2016 3. There were XXXX refunds of {$3000.00} for a total of {$6000.00} to our account from XXXX on XXXX/XXXX/2016 - XXXX itself XXXX fraudulent transactions. 4. I have reported to Bank of America on XXXX/XXXX/2016 that I did not make any of these transaction and the next day on XXXX/XXXX/2016 an employee of Bank of America transferred back to the fraudulent account in XXXX this refund depriving us of additional {$6000.00} without my permission - only based on a general comments that I did not make all these transactions. 5. The same happened with the fraudulent transfer from our account on XXXX/XXXX/2016 from XXXX XXXX that was refunded XXXX/XXXX/2016 and again your bank transferred back this refund depriving us of additional {$54.00} 6. The money after 4 months have never been refunded to me, I, however, received verbal promises with multiple so called escalation including manager escalation after I complained several times but always followed by letters denying the claims and no guidance what to do in the situation of the fraud. Issue 1 : Bank of America Interpretation : Since I said that I did not make the refund transactions, Bank of America claim that they had to transfer money back. Can Bank of America employees differentiate between the term of " transaction '' and " refund of transaction ''?. Is claiming that " refund '' of the " correct refund '' is the bank policy and according to the banking standards? Issue XXXX - Summary : Electronic thieves have stolen from our account around {$17000.00} and after asking Bank of America for help, the employee of Bank of America raised our loses to around {$23000.00}. Bank of America transferred to the thieves account in XXXX {$6000.00}. Can you help us recover this money? Issue XXXX - Events : There were many fraudulent transfers from our account between XXXX/XXXX/2016 and XXXX/XXXX/2016. Bank of America still have not refunded ( in addition to issue 1 ) the following : XXXX. {$2500.00} transferred fraudulently from our account to fraudulent XXXX Bank account on XXXX/XXXX/2016 XXXX. {$500.00} transferred fraudulently from our account to to fraudulent XXXX Bank account on XXXX/XXXX/2016 XXXX. {$3000.00} transferred fraudulently from our account to to fraudulent XXXX Bank account on XXXX/XXXX/2016 XXXX. {$500.00} transferred fraudulently from our account to to fraudulent XXXX account on XXXX/XXXX/2016 XXXX. The money after 4 months have never been refunded to us but XXXX Bank claims that {$6000.00} is in the closed fraudulent account since XXXX and it is waiting for indemnity letter from Bank Of America. Issue 2 : Bank of America Interpretation : No cooperation with XXXX Bank and XXXX bank Issue 2 - Summary : {$6000.00} is in the fraudulent account in XXXX Bank since XXXX and with proper guidance and action from Bank of America the money could be recovered long time ago. Can you help us and request Bank Of America to write XXXX letter or another appropriate to XXXX Bank and Key Bank? There are many more details about our dreadful experience with Bank of America. Neither Fraud Department nor Branch Manager and other representatives in XXXX, NC, provided any helpful guidance for these issues.
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

2016-11-17

Rehoboth Bch, DE

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: In XX/XX/XXXX I was introduced to a friends family member about a business deal involving a property purchase and flipping the property into a XXXX. The scam XXXX involved persuaded me to use my good credit to get the loan and that she would take care of the monthly payments and fixing the property. After I got the approval i realized that she had me sign over the deed to her father and that her friend was the owner of the property before me and he banked away XXXX. I have not heard from anyone sense that time, the property went into foreclosure my credit was destroyed and I waited years to get this off my credit history. Fast forward to XX/XX/XXXX, I 've now become a married XXXX year old XXXX, with a child on the way and trying to now build a home with my wife family. It has come to my attention that the property tried to be sold twice by short-sale activating the account as well as XXXX sheriff sales that strangely where stopped making all the time i waiting for the property to foreclose having to start over and now I can not be on the mortgage and very possible we can not get our dream home. I was scammed and I understand now that i should never have signed the papers back as a XXXX year old, but I do not deserve to this, my credit is well now, but this is still haunting me to this day. I do not know where else to turn.
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

2016-11-17

NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Bank Of America Have Become Very Inhumane And Their Fees Are Just Unjust! In Less Than XXXX Weeks I Was Charged XXXX Fees Totaling {$490.00}. Some Of These Charges Are For The Same Items - Same Item Charged XXXX Fees ( Fee Charged For Paying Item, Fee Charged For Un-paying The Item And Then A Fee Charged For Overdrawing Account. Called Bank Of America And They Were Not Understanding Of The Depressing And Hardship These Fees Have Caused.
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

2016-11-17

Federal Way, WA

Rewards

Credit card:

Complaint: RE : XXXX mile bonus award for Bank of America Travel Rewards Credit Card The XXXX mile bonus award was not issued in XXXX, 2016. I call Bank of America at XXXX on the issue. The operator told me the card was activated on XXXX/XXXX/16 and the spending did not meet the {$1000.00} requirement. I tabulated the total transaction amount from XXXX XXXX thru XXXX XXXX is {$1000.00}. XXXX Statement XXXX XXXX Statement XXXX XXXX Statement XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX XXXX/XXXX/16 XXXX Total Transaction XXXX Strictly speaking, the bank computer may have considered the period from XXXX XXXX thru XXXX XXXX as 91 days. Therefore, omit the {$160.00} and the {$10.00} and determined that my spending did not meet the {$1000.00} in 90 days requirement. On the back of my mind, I thought I activated the account in XXXX which probably is a mistake on my part. I hope that Bank of America will re-consider the case and grant me the XXXX miles bonus award. Thanks. XXXX XXXX
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

2016-11-17

Phoenix, AZ

Loan modification,collection,foreclosure

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 explanation

Disputed: No Timely Response

2016-11-17

Rochester, MN

Taking out the loan or lease

Consumer Loan: Installment 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

2016-11-17

SC

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Approximately XXXX years ago the family living at XXXX, XXXX, SC XXXX left the home due to the back starting foreclosure. Over the last XXXX years the house has fallen in shambles. The grass has had to be cut by neighbors as well as the home owners association. There have been many instances of homeless people living in the home and staying only late at tonight to sleep. Also, children have been breaking into the house to play and vandalize. There is garbage everywhere in the interior of the home and garage. Repeated attempts to secure the front door have failed as the door continues to be broken into. This is a safety concern for the neighbors.
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

2016-11-16

City Industry, 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 monetary relief

Disputed: No Timely Response

2016-11-16

Countryside, KS

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

2016-11-16

Bellewood, KY

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 non-monetary relief

Disputed: No Timely Response

2016-11-16

El Portal, FL

Other fee

Credit card:

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

2016-11-16

Trenton, NJ

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

2016-11-16

San Dimas, CA

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: Yes Timely Response