BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-16

Murray, UT

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I tried getting a personal loan with my credit union. When they pulled my credit report it showed that my home is XXXX foreclosure through Bank of America. It is not, all my payments are current. I called Bank of America the representative told me it was a mistake on their part and they would send notice to the credit bureaus. A few days later I received a notice from Bank of America saying their information was accurate. Again it is not. My payments are current. IF you could assist it would be greatly appreciated.
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

Simi Valley, CA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I am a homeowner, and also in Pro Per against XXXX XXXX XXXX, servicer, and Bank of America, beneficiary. I have a straight forward case : approved and a written Trial Plan Agreement was memorialized. When it was memorialized it was sent to their Quality Control Department which sent the documents back to the Loan Mitigation representative to change the payment dates and then mail the documents to me, the homeowner ; he happened to quit that day and the Bank never followed up on the file. I, the owner, followed up by making over 41 calls ; the bank representatives that I talked to on the phone continuously told me my loan was in the Quality Control for review. When I called XX/XX/XXXX ; someone found my file in " XXXX '' XXXX XXXX Report ; at that time the Bank proceeded to foreclose on my home XX/XX/XXXX. ( The Bank eventually rescinded the title ( XX/XX/XXXX ) back into my name, but never modified the loan. I have continuously lived on my property since XX/XX/XXXX. {$50000.00} later I find myself in Pro Per, because I can not afford anymore legal fees, I represented myself during the three day trial, in which I am not an attorney and did not know the court procedures and was at a grave disadvantage. The Court and the Banks would not allow the case to continue, because there is a " Five Year Rule '' which I did not know about until I asked for the continuance. During discovery I discovered my application was fraudulent as well. There are so many issues regarding my entire case that there needs to be a higher power to look into my case and help me. I filed my complaint with the Independent Foreclosure Audit team and received {$6000.00} ; so there must be some validity to my case. Presently I filed my Objection to the Statement of Decision and Proposed Judgement ; I do not want to lose an opportunity to plead to someone who understands the issues. In the meantime, during Litigation, my loan is sold to XXXX XXXX that does not have a reputation of helping homeowners to obtain a loan modification ; their reputation is in selling the homeowner 's home. I want to stay in my home ; I have paid my mortgage payment on time for 22 years, and the year I have a hardship and approved for a loan modification-the Bank failed in their Fiduciary responsibilities. Can you help me in some way
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

Monrovia, CA

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

Jupiter, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I submitted a dispute with BK OF AMER account Number XXXX. I have never had any affiliation with this debt. My son and my spouse battled XXXX simultaneously and unfortunately loss their battle and seeing the date on my credit report, this debt seem to have occurred during that time. Again, I knew nothing of this debt until viewing my credit reports. I have attached the case number with the XXXX Police Dept an incident report. This account has been on my credit report since 2007, I am asking Bank of America to release me of liability. They indicated that I made some payments. I have never made any payments and was not aware of any payments. I have accountable police reports that I previously reported to the police department in regards to my deceased son 's ex-girlfriend 's fraudulent acts in regards to me and my family that I have no problem submitting and that would be the only way any payments could have been made in which I would like my money returned. I have also attached my property tax document which shows my address in 2007 which is the year on the credit report. I have attached my XXXX XXXX Document which shows my address prior to 2007 and it has my signature. I am not familiar with the address associated with this account that Bank of America has on their application, nor phone etc. Please take notice, that my residences are not the ones on their application. The only reason the company has my address of XXXX XXXX XXXX XXXX is because I contacted them about the account and provided my address. I never signed an application, never received any benefits from this organization. Nor was I contacted because my credit report has a fraud alert and I was not contacted prior to issuing credit in my name. Now this organization is aware of my constant disputing of the debt and Bank of America have submitted this debt to the IRS as a charge off and IRS has sent me a bill for a debt of {$1200.00} in which I am not liable for.
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

Manhattan, NY

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

Norcross, GA

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 monetary relief

Disputed: No Timely Response

2016-11-16

Washington, DC

Billing disputes

Credit card:

Complaint: For the second time, Bank of America turned off the email alerts I normally receive that alert me that my monthly bill is coming due. For multiple months, I did not receive this alert and now my bill is past due. I have more than enough money to pay the bill and have now done so, but I incurred late fees and charges that I should not have.
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

Allentown, PA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: i had a valid overdraft caused by an oversight on my part. the bank charged a valid overdraft fee of {$35.00}. This fee alone took my account into the negative. Before my next pay arrived, I was charged an extended overdraft fee of {$35.00}. I called the bank to have the fee returned, as it was charged solely due to another fee the bank had charged.they refused to return the extended overdraft fee as it is current bank policy.
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

Guttenberg, NJ

Deposits and withdrawals

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

Grosse Ile, MI

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I have a discharged Bankruptcy from XX/XX/XXXX. Included was Bank of America account # XXXX for property address XXXX XXXX XXXX, MI XXXX. This account was discharged by a Judge. I have requested Bank of America to close the account more than 2 dozen times. I have filed XXXX Complaints. Engaged their Escalation department. Provided copies of my Chapter XXXX Discharge. They Continue to send me monthly statements with interest accruals and balance increases. They have place notices on the statements stating this is only for informational purposes ; however, have stated on the phone the loan needs to go through its normal process. They simply will not close out the account and continue to send sketch statemetns.
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

Clermont, FL

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: I am a victim of Mortgage Loan Fraud at the hands of Countrywide Home loans as lender and Bank of America as Servicer. Bank of America is guilty of trying to steal my home via a home loan modification. They have broken XXXX Federal laws under RESPA Servicing Rules under RESPA XXXX and Prohibiting Unfair, Deceptive or Abusive Acts or Practices XXXX and Loss Mitigation Procedures, Deficient Acknowledgment XXXX XXXX XXXX XXXX. Instead of acknowledging my request for help, they fraudulently and unlawfully obtained a summary judgment through XXXX XXXX, FL Court to get a sale date on my home. The sale date was cancelled, however, the summary judgment still stands. Through my own research, I have also discovered that Bank of America is guilty of Fraud, Fraudulent Misrepresentation, and Misconduct. The purported assignment of mortgage which was executed three ( 3 ) years after I purchased the " property '', and six ( 6 ) years after the Bank XXXX as Trustee for the Certificate Holder 's XXXX, XXXX XXXX XXXX Certificates, XXXX XXXX trust was closed. This is a violation of the Pooling and Servicing Agreement as by law the securitization process of the " note '' must be completed within 90 days and before the trust closes. " Borrowers have standing to challenge void assignments of their loans, even if they were not a party to or a beneficiary of the assignment affecting real estate contracts ''. XXXX v Bank of America, XXXX al. The notary ( XXXX XXXX XXXX XXXX signature on this assignment is forged ( robo-signed ) which is a felony and renders the assignment of mortgage invalid with a clear break in the chain of title. My injuries are a direct result of the invalid mortgage assignment which also renders the loan modification agreement between myself and Bank of America dated XXXX XXXX, 2012 void. There was no " loan '' to modify in the first place. According to Title XLI XXXX, Fraudulent loans are void. Bank of America is also guilty of criminal deception by executing a purported mortgage assignment that is in fact invalid and always was invalid and recorded such with the Florida XXXX XXXX XXXX on XXXX XXXX, 2012. According to Florida Statute XXXX XXXX XXXX XXXX it is ' Unlawful to file false documents or records against real or personal property '.
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

VA

Customer service / Customer relations

Credit card:

Complaint: I previously submitted a claim to CFPB about my denial of SCRA benefits by Bank of America ( BoA ). That case number is XXXX. My issue has not been resolved and I feel that the company is just giving me the run-around to avoid dealing with my dispute. My original complaint is because I applied for SCRA benefits for my BoA XXXX card because I opened the card before I got on XXXX XXXX. I opened the credit card in XXXX XXXX and did n't come on XXXX XXXX until XXXX XXXX, over 2.5 years after opening the card. I am still on XXXX XXXX in the XXXX. I applied for the SCRA benefits on XXXX XXXX. On XXXX XXXX, I received a letter stating my request was denied because the debit must be incurred before the service member entered XXXX XXXX. Which is what happened so I should n't have been denied. I called the BoA XXXX Benefits office to dispute the denial and my case was " escalated ''. I filed my last claim because it was over a week before I heard back on the escalation. I finally received a voicemail around XXXX on my cell phone on XXXX XXXX from " XXXX '' ( XXXX, ext XXXX ) asking me to call her back in reference to my escalation. I am unable to have my cell phone in my office building so I can not get calls during working hours. I called her back and asked that she call me at work, and gave her my office number. She called me back that evening at XXXX and I just missed picking up my cell. I immediately called her back and got the voicemail again. I made multiple attempts on XXXX XXXX but only ever got the voice mail. I called again on XXXX XXXXand left voice mails asking her to call me after XXXX on my cell. She left me a voicemail around XXXX on XXXX XXXX asking me to leave her a voicemail with the best time to reach me. I had checked my cell after lunch and returned her call and left another voicemail asking her to contact me after XXXX. I have had no other contact from " XXXX '' since XXXX XXXX. I have left multiple voicemails at the number she gave me but have had no further contact. I have called the military benefits office and asked for assistance in getting in contact with " XXXX '', but after at least XXXX attempts I have still had no success. After my original claim I was contacted by XXXX XXXX XXXX from the BoA Regulatory Complaints division on XXXX XXXX and he told me that he would be helping me resolve my issue. After many unsuccessful attempts to contact " XXXX '' I called XXXX XXXX on XXXX XXXX, and reached a voicemail. I requested assistance in contacting " XXXX ''. XXXX XXXX left me a voicemail during the working day on XXXX XXXX stating that there was no new information on my dispute. I returned that call, got his voicemail, and asked why " XXXX '' was contacting me if there was no new information. He finally called me back on the evening of XXXX XXXX around XXXX, but I was driving home from a meeting and was unable to answer my phone. A message was left for me to contact him at my earliest convenience. I called him back the following morning and got voicemail again. I asked that he call me back after XXXX XXXX when I would be able to talk, but got no phone call. I have made over 18 phone calls and left as many messages to both " XXXX '' and XXXX XXXX between XXXX XXXX, and have still yet to talk to person on the phone. My messages have included the best time to reach me, but yet no one has called me during those times and all I can get in touch with is voicemails. I have no one else to contact at BoA that can assist because voicemail boxes ca n't give me the person 's supervisor.
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

New Britain, CT

Making/receiving payments, sending money

Bank account or service: Cashing a check without an account

Complaint: I received an insurance claim check drawn on Bank of America ( BoA ), and took it to Bank of America to cash it. I am not a customer at BoA. They indicated they charged an {$8.00} fee for payroll checks ( it was not a payroll check, but i do work for the insurance company ). The issue i have is they REFUSED to give me the full amount of the check {$1000.00}, AND refused to give me a receipt for the amount of the fee. I am most concerned with the lack of a receipt. There is an issue as to whether it 's legal for the insurer to fail to pay the full amount of the claim, and without a receipt, i can not even prove they charged a fee. I mean, without the receipt, for all I know, the employees were skimming the cash off the top of my check, and lying about the fee applying to my check. For the record - I in no way believe that was what happened, because I can find extensive documentation of the existence of the fee, and the employees were very accommodating, except for being unable to have any way of giving me a receipt for the fee.
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

Orion Twp, MI

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: I modified my home mortgage in XX/XX/XXXX with XXXX. This was all done over the phone. The program was new and hard to enter, but I was accepted in XX/XX/XXXX. I submitted all my household expenses and income documents as requested. I was told to make XXXX trial monthly payments of {$760.00} to be accepted. I did so successfully. When this occurred I had a house payment of {$2500.00} from XXXX Mortgage and a second loan from Countrywide in the amount of {$560.00}. Once in the program, I was told that based on my income, I could afford a monthly house payment of {$760.00} and was accepted into the program. This was during the big housing bubble crash. I have made this house payment successfully ever since, never having missed payment since I entered MHA. XXXX years later, I started receiving letters from Bank of America that the assets from Countrywide were now theirs and that I owed {$60000.00} dollars to them. I explained I was in XXXX XXXX XXXX XXXX for XXXX years and that I knew the debt had been settled. I also explained that I had receipts for 6 years of payments of {$560.00} totaling {$40000.00} to Countrywide from XX/XX/XXXX through XX/XX/XXXX. I was informed that they would consider those payments as prepaid interest and the loan was still at full amount. I have never agreed to this and never signed any papers or borrowed from BOA. Since XX/XX/XXXX they have stalked my home, called at XXXX over XXXX times, sent people to photograph my home in front of my neighbors and family, left threatening letters on my door and threatened foreclosure several times. They have also destroyed my personal credit by reporting me to the credit agencies every month since for non-payment. I tried to reach out to them over XXXX times and got a different story each time. I finally had to hire XXXX and give them power of attorney to get them to stop the threats and badgering. I am an honest small business owner, it is hard to conduct business with a poor credit score. I believe there has been some serious Dodd/Frank laws violated by BOA. It has been 7 years since I entered the program, I have never made any payments to BOA and they will not send the loan to the Charge-Off dept. My attorney advised me to try and settle the debt so I could have the lien removed from my property. I made an offer of {$25000.00} to settle this matter and they still will not deal with us. We asked the bank what it would take and they said they want {$98000.00} to settle the Countrywide loan. I tried to offer to make the loan even with the money I have already paid for 6 years and they are demanding a total of {$140000.00}. The money already collected plus the {$98000.00}. After 7 years of back and forth I am at my wits end. I was informed by counsel that the loan should have been charged off over XXXX years ago, and with all the Dodd/Frank violations how can they be allowed to operate in this corrupt fashion? They are literally holding me, my family and my home XXXX to their demands. This has been the most stressful situation of my life. I feel helpless against this giant financial machine that seems to destroy anyone it so chooses. Please help me solve this crisis. BOA will only settle a loan in the XXXX dept by corporate policy. My offer to settle for {$25000.00} still stands. All of my problems are with the second loan on my property. My first loan with XXXX is in good standing.
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

Scottsdale, AZ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I signed up for a Bank of America consumer checking account XX/XX/XXXX with a promotional offer ( {$300.00} credit when I open an account, set up direct deposit and keep a minimum balance in the account ). I met all the criteria and they are witholding the bonus offer. They state that it 's a " targeted offer ''. I read the T & C 's on this and it was not targeted, and I was eligible when I went to their website and the offer was on the top of the website for me to click on.
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

Santa Ana, 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

2016-11-16

Sebring, FL

Loan servicing, payments, escrow account

Mortgage: VA 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

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

2016-11-15

Hootenville, LA

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

2016-11-15

Virginia Bch, VA

Deposits and withdrawals

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

2016-11-15

Palos Park, IL

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

2016-11-15

Worcester, MA

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

2016-11-15

Colma, CA

Other

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

2016-11-15

San Francisco, CA

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: Yes Timely Response

2016-11-15

Norwood, MA

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 non-monetary relief

Disputed: No Timely Response