BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-15

Hialeah, FL

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

2016-11-15

Colma, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Tampa, FL

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

2016-11-15

Manhattan, NY

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: No Timely Response

2016-11-15

San Jose, CA

Settlement process and costs

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

2016-11-15

Staten Island, NY

Taking/threatening an illegal action

Debt collection: Credit card

Threatened to sue on too old 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

2016-11-15

Sacramento, CA

Application, originator, mortgage broker

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

2016-11-15

Las Vegas, NV

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: Yes Timely Response

2016-11-15

Disclosure verification of debt

Debt collection: Credit card

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

2016-11-15

Achille, OK

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: Yes Timely Response

2016-11-15

Disclosure verification of debt

Debt collection: Credit card

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

2016-11-15

IA

Transaction issue

Credit card:

Complaint: I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} on my Bank of America business card, this is one of the charges that I would like your help to dispute. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00} on the same card this is the other charge I would like to dispute, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra $ XXXX.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of XXXX, every time they would call me they would ask for more money, stating in order to my business succeed you need this extra service, and I got nothing other than credit card debts, and I need your help to try to recover my money.
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

Baltimore, MD

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 monetary relief

Disputed: No Timely Response

2016-11-15

N San Juan, 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

2016-11-15

Plymouth, FL

Credit determination

Credit card:

Complaint: My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Bank of America but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. HELP!!
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

Bronx, NY

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Bank of America reorganized my charges on my account to put a {$38.00} charge at the most recent in order to access me a {$35.00} over draft fee putting em XXXX in my 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

2016-11-15

Washington, DC

Settlement process and costs

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

2016-11-15

Lewisville, TX

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: Deposited 2 checks at BankofAmerica ATM on XX/XX/2016. Machine jammed with 2 checks stuck inside. Bank did not turn machine off. Bank Teller ( Teller Assist ) told me it would have to be recovered when machine was serviced and to file a claim. Filed claim immediately. Machine serviced on XX/XX/2016. Per bank rep, all checks removed and part of process is checking for jammed checks. As of XXXX CST XX/XX/2016 Bank still can not tell me if my XXXX checks were recovered from machine. Bank says may take " up to 45 days '' to determine if checks were recovered or not. By then the machine will have been serviced approximately a DOZEN times since per the bank, this machine gets serviced twice a week. 45 days to determine presence or absence of my checks. If the machine subsequently spit my checks out to the next customer bc the bank refused to turn off the machine, that means some stranger has both of my checks which are endorsed. In that case, I need to rush to have my employer put a stop payment on them. If they DO HAVE them, then why in the world cant they tell me that and move along with depositing them as I instructed. So obviously I need to know asap.
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

Simi Valley, CA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: My name is XXXX XXXX, I reside at XXXX XXXX XXXX, XXXX XXXX CA XXXX my family and I have been living here for many years. I want to file a complaint against Bank of America for violating the California Homeowner Bill Of Richts_Restriction on dual track foreclosure It became into Law on XXXX XXXX I was astonished in shock when I got a call on Friday XXXX XXXX, XXXX from a stranger notifying me that the house was SOLD the day before on Thursday XXXX XXXX. I advised the person on the phone that it was impossible because I was on a modification review with Bank of America Modification department and I had not received any letters of the denial on my modification review. My loan is a XXXX XXXX XXXX XXXX Loan a government entity this is unreliable I am a Veteran of the XXXX and I have been struggling with a XXXX make it impossible to continue to work I had to take an early retirement due to my XXXX. My income then dropped and I call Bank of America to requested help with my mortgage payment Bank of America agents advised me to STOP making my mortgage payments it was the only way they could help me and I follow their instruction they would help me with a modification under the ( HAMP ) Making Home Affordable program .I have been faxing all requested documents for a long time modification packages one after the other. I had a package submitted under review at the time of the AUCTION on my home. Bank of America is deceitful, shady, the method they have used to process my loan modification is dishonest after I was assured I would be eligible for the Making Home Affordable program if I followed their instructions and I did. I strongly believe Bank of America is not in compliance with the government standards and codes, especially with the California Homeowners Bill of Right on the Dual Tracking therefore I ask that you apply your regulatory authority and re-evaluate Bank of America policies and their process of assisting home owners with the modification under the Making Home Affordable ( HAMP ) program It is my believe their underlying guide lines contains misrepresentations, deception and violation of The Truth In Lending Act - TILA. This federal law was enacted in XXXX with the intention of protecting consumers in their dealings with lenders and creditors. I consider Bank of America to be deceitful, fake, unprofessional their lies and lack of willingness to assist home owners in times of crisis and desperation ; They should not be allowed to SERVICE XXXX XXXX XXXX XXXX XXXX. I evaluate them to be a poor customer caring SERVICER. Bank of America has demonstrated we are insignificant to them no customer value or respected toward Veterans or the homeowners at all.
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

Okc, OK

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: see complaint # XXXX ( open ) and # XXXX ( why did you close this one ) Status of my complaint and all documentation proving the fraud ... ..please make bank of america compensate me for what they have done. On XXXX XXXX, 2008 I was set up by XXXX XXXX XXXX fraudulent transfer of warranty deed and XXXX XXXX Bank of America fraudulently finished me off. XXXX XXXX property fraudulently on XXXX ( who paid the money to do this since my policy did not take effect until XXXX? and I did not sign nor take possession until XXXX? ) -Effective date of title policy XXXX why this date? -I paid {$420.00} premium for XXXX XXXX insurance on what date did you receive payment? -Securitized pooling certificates do not transfer ownership EVER and they were FHA insured # XXXX. ( XXXX signed papers and title was clouded at signing title XXXX ) -DEED of Trust XXXX ( XXXX ) I never owned the property but I was lied to stating I owned the property for I made down payment and payments and a fraudulent warranty deed that stated I did. XXXX XXXX " states '' Bank of America had note XXXX AND investors were Bank of America NA see SEC filing from XXXX for securitized pooling certificates -XXXX Opened back door for illegal court recording and that is how XXXX ( new policy for new property owner for title policy/Company follows property -no recording fees-investors of XXXX ) and BAC ( foreclosures and FHA insurance on SPV certificates-Government bailout-investors of BAC ) made millions.. -property auctioned off XXXX - DEED of Trust recorded to Bank of America transferred XXXX after home auctioned off Remember XXXX in XXXX? After all these years of abuse, loss, homelessness I have continued a search for TRUTH as to what happened to me XXXX and XXXX. I was set up before I ever signed the papers on XXXX. All the players involved from the day I looked at the property located at XXXX XXXX XXXX, XXXX, MO XXXX until XXXX, all I was, was a file #, property address and property value. This enabled XXXX XXXX, all the people in between including XXXX XXXX XXXX and Bank of America to make millions of dollars off of all the " securitized pooling certificates. '' Social security number + property address + property value = revenue for XXXX and BAC Remember XXXX in XXXX? Not one of you saw me as a person with the hurt and pain that you put on me.
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

Jamaica, NY

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 explanation

Disputed: No Timely Response

2016-11-15

Box Canyon, 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: Yes Timely Response

2016-11-15

Dunnellon, FL

Customer service / Customer relations

Credit card:

Complaint: Bank of America offers a credit card with cash back. ( Better Balance Rewards ). I met the terms and conditions but due to their programming negligence BOA is refusing to honor the bonus. They claim you can use the bonus to pay down your balance but when I did so they said the payment was not programmed " to COUNT ''? I was required to make more than minimum payment. My account balance was XXXX. I paid my credit card in FULL every month. So let me get this straight..I have a Minus credit balance, and no [ payment is due but Bank of America says I failed to meet the minimum payment? How is this possible???? The BOA card was set up for automatic payments. The cash back was automatically set up to put cash back onto the card. It is YOUR system. Fix it and do n't blame the customer for faulty system logic.. ENOUGH already. Own it.
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

Charlotte, NC

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

2016-11-15

Redding, 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: No Timely Response