BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-16

Toms River, NJ

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

2016-11-16

Douglasville, GA

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 explanation

Disputed: No Timely Response

2016-11-16

Baltimore, MD

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

Wasilla, AK

Billing statement

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

2016-11-16

Brooksville, FL

Loan modification,collection,foreclosure

Mortgage: FHA 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

2016-11-16

Manhattan, NY

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 monetary relief

Disputed: No Timely Response

2016-11-16

Alpharetta, GA

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

2016-11-16

Box Hill, NY

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

2016-11-16

Rochester, NY

Application, originator, mortgage broker

Mortgage: Other 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: Yes Timely Response

2016-11-16

Bronx, NY

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

2016-11-16

Centerville, CA

Identity theft / Fraud / Embezzlement

Credit card:

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

Dania, FL

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

Ballardsville, KY

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 non-monetary relief

Disputed: No Timely Response

2016-11-16

Ashland, OR

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: Yes Timely Response

2016-11-16

Central Islip, NY

Other

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

2016-11-16

Hercules, CA

Deposits and withdrawals

Bank account or service: Savings 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

IL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: My debit card was stolen and used by someone I was introduced to by a mutual friend concerning selling XXXX for my new business XXXX. I trusted my friend XXXX who introduced me to her cousin XXXX who XXXX ( I would later find out XXXX, has several names including XXXX or XXXX, and XXXX has since moved to XXXX ). I was introduced to the gentlemen and he gave me information regarding XXXX in XXXX as well as XXXX services that will assist me in my new business venture. although I ca n't say for sure it was the gentlemen who stole the card, he was the only person close enough to me that day ( XX/XX/2016 ). Anyhow early the next morning I looked online to do an account transfer and saw suspicious activity and immediately began calling Bank of America ( BOA ) with the 1st call at XXXX, I will go on to make four more calls to them while desperately trying to find my debit card. As advised by the representative on the phone I go into a BOA branch and show proof of identification. I filed a claim with BOA for the incident and they credited my account pending an investigation. After they investigated they initially denied my claim stating it was because the individual new how much I had in my account, I then sent proof the ATM machine I used at the same place I met the individual on XX/XX/2016 printed your available balance on your receipt. My account was again credited.. Later I found they denied my claim again stating they did not receive a police report. I had explained that on XX/XX/2016 I called the police and was assured BOA could handle it and sent proof I called XX/XX/XXXX on XX/XX/2016 to make the report. BOA pushed the issue of the report thus on XX/XX/XXXX after I received proof that The XXXX Police department denied my online report # XXXX and gave me a number to contact them. After contacting the number I was informed that I would have to go to the various counties the card was used from XXXX to Wisconsin and informed BOA I did not have the resources to do so. They kept stressing the issue of a police report because they know XXXX Police try to avoid paperwork like the plague. After crying and begging officers at XXXX to file my report via phone calls and a walk-in visit I was finally able to obtain the report and provided that information to BOA as well. I 've sent BOA pictures sent to me by XXXX to compare with the ATM photos as well as all other documents required of me. On XX/XX/2016 I was sent a statement from BOA indicating all my accounts were at a {$0.00} balance so I thought the issue was resolved. I received a statement in late XX/XX/XXXX which was dated XX/XX/XXXX this was after I contacted FDIC who forwarded my information to consumer complaints. The statement dated XX/XX/XXXX stated they found their original finding was correct because they never received any new information from me. I again sent all documents on XX/XX/2016 and never heard from BOA again. I recently changed my name with a XXXX account I had for years and found out that BOA has sent me to XXXX indicating I owed a balance which I thought was resolved. I contacted BOA immediately after I realized this yesterday XX/XX/2016 After being bounced from department to department I was told by XXXX an account manager from XXXX that they made the decision to deny my claim in XX/XX/XXXX, I informed her of the documents I was sent that was dated XX/XX/XXXX that stated my balance was {$0.00} however BOA reported a negative balance to XXXX. I offered to send her proof but I was informed that they were going to escalate and resolve the issue by reopening the claim. I asked who could help me because BOA keep giving me the run around, I was informed the Executive Relations department could help me after calling on XX/XX/2016 they said they could n't.
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

2016-11-16

Salt Lake City, UT

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I filed a complaint with the CFPB in regards to Bank of America. I am filing another complaint against them for the response I received. Initially I had included the 2nd mortgage in my bk which was discharged. Later I was told that the lien for the XXXX remained in tact and that I was responsible but the property was not. That I could live there, not pay -- - but if I sold or moved, I would have to. My complaint with BOA is that when I called to resolve this issue, I was told that unless I short sold the property BOA does not settle balances, does not waive fees and does not wave late charges. I want to stay in my property, I do not want to short sale. I can not pay 7 years of late fees, and 7 years of past due interest. They are trying to charge me $ XXXX in fees. If I am not responsible for the debt, why is it me they want to charge these amounts to? MY ORIGINAL COMPLAINT # 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

2016-11-16

Discovery Bay, CA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I hold a checking account at XXXX california and have been with them for nearly 6 to 7 yrs. now suddenly they say that i hold keep a minimum balance of $ .XXXX/- all the time in my account. this was not the case when i opened the account. they charged me maintenance charges of $ .XXXX/ which on complaining was reversed. I am a XXXX with no income and my children deposit. money into my account when ever i need. I do not take ssi. hence there can not be any direct deposit. hence i feel that such compulsion of keeping balance mimimumm shoudl not be applied.
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

Snyder, TX

Identity theft / Fraud / Embezzlement

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

Magnolia, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Checking account open in my name and I explained to them that account is not mine now I got deninded to open a new checking account at a local bank where I live.
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

Atlanta, GA

Other

Credit card:

Complaint: Bank of America failed to pay debt promised when I purchased their Credit Protection product for my credit card. In addition, upon submitting my initial claim they increased the Finance Charge on the balance due from a variable 3.99 % -12.99 % to a fixed 24.99 % therefore effectively making any payment they made under their Credit Protection Plan to my account useless in terms of reducing the balance due on my account. Furthermore according to the order from the Consumer Financial Protection Bureau, they failed to reduce the balance due by the amount they charged in fees for their Credit Protection Plan and credit my account the total of those fees. Lastly, they are incorrectly reporting the amount of the initial credit limit to the XXXX major credit bureaus as well as the date of the initial past due amount which causes the statue of limitations to extend past the time allowed under the law for which state I live.
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

2016-11-16

Silver Spring, MD

Other transaction issues

Money transfers: Domestic (US) money transfer

Complaint: On XX/XX/XXXX I went to a Bank of America ( BoA ) branch on XXXX XXXX XXXX XXXX XXXX MD to set up an automatic bank transfer to XXXX XXXX to pay my landlord their rent. On XX/XX/XXXX the funds were extracted out of my account and transferred to the account set up on the bank transfer. On XXXX my landlord notified me that they had not received the funds and the information they provided for the account transfer ( routing & account # ) was wrong. I immediately contacted BoA national office and was told they needed to check and I would receive a call back. On approximately XX/XX/XXXX I returned the call, having heard nothing, and was told there was nothing they could do but I could reach out to the local branch to find a resolution. On XX/XX/XXXX I took off of work to make an appointment with BoA in XXXX XXXX. There I worked with an associate who, after 3 hours of work and getting the run around by BoA, was able to draft an unofficial letter requesting the funds. This letter was faxed to XXXX XXXX. Unable to receive any more information, on XX/XX/XXXX I called back to the local branch and was told that XXXX XXXX claimed it was not the correct letter. They needed a " letter of indemnity '' from BoA. On XX/XX/XXXX BoA generated what I was told was the most official letter they could provide. This letter simply stated that funds were transferred out of my account to XXXX XXXX. Again, XXXX XXXX said this was not enough. It is now XX/XX/XXXX and this issue is still without a resolution. I know that it is illegal for individuals to spend money that they received incorrectly. So I am just looking for BoA to work with XXXX XXXX to retrieve the incorrectly transferred funds.
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

Phila, PA

Loan servicing, payments, escrow account

Mortgage: FHA 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

2016-11-16

Riverdale, GA

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