BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-14

Medina, NY

APR or interest rate

Credit card:

Complaint: I received a bill from my credit card company in XXXX. I paid the statement balance in full before the XXXX payment due date. On my next statement that I have received, with a payment date of XXXX/XXXX/2016, I am being charged interest on the paid off balance from XXXX. They are telling me that interest was still acrueing (? ) from the XXXX statement closing date until the day I paid it in XXXX - " Residual interest ''. I have other credit cards, and they do n't do that when I pay off the balance. I used a HELOC earlier in the summer to pay off credit card debt, and none of the cards tried to get extra interest money when I paid off the balances. Not sure what has changed in the banking industry that they think they can get away with this.
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

2016-11-14

Temperanceville, VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: In XXXX of 2015, I contacted XXXX XXXX for tech support on my XXXX XXXX XXXX, over the phone. The representative that answered the phone told me that. XXXX XXXX XXXX and transferred all their customers to them. I did n't question the rep because they answered the XXXX Customer Service help desk ; I was unaware that they had hacked into XXXX phone line. The rep sold me a 5 yr contract for tech support that day. It was a phone transaction. They said they would send a contract via email. They charged my credit card with Bank of America Visa Account number # XXXX. I called XXXX XXXX support for an annual update and servicing and was told that XXXX had shut down. When informed of the closed business, I checked XXXX and found the attached website, where the attorney general in Washington State had sued XXXX for fraud. Bank of America has not refunded the {$370.00} to my Visa Card. Name on Account : XXXX XXXX. Please investigate this to see why a consumer can not be refunded in the case of FRAUD. Thank you. My phone number XXXX in Virginia Thank you for 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

2016-11-14

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Bank of America ( BofA ) continues to violate Civil Code 2923.6 ( c ), ( e ) ( 1 ) ( 2 ) by failing to resolve and complete open and pending escalated cases before starting and continuing foreclosure processes. Currently, there are XXXX open escalated cases that include one HAMP appeal, an in-house case escalation ( ID # XXXX ), and XXXX CFPB complaints. While BofA claims to have resolved all previously escaled cases and considers the matters closed, BofA failed to provide any documentation to support their claims. BofA only provided letters resulting from a review of the mortgage and service records, including electronic records, citing other letters as documentation and evidence of those claims and representations made, offered, and resulting from prior reviews of the mortgage and service records, but without ever providing or including any of the actual documents referenced to support or document their claims and representations. For example, BofA claims I have submitted multiple RMA application packages that resulted in multiple denials for which I requested appeals. However, BofA have never provided any of the multiple RMA application packages, the multiple denials, or the resulting Appeals Department written determinations to date. In fact, I have only received one Appeals Department written determination and that is related to a non-MHA HAMP modification program, and BofA represented in their XXXX XXXX letter I have not submitted a complete RMA application package since XXXX XXXX, XXXX and, as a result, are unable to conduct an initial review for mortgage assistance consideration, including HAMP. Additionally, BofA has already decided to park and stall the modification process as evidenced by the withholding of an Appeals Department written determination on the HAMP appeal requested in XXXX XXXX. While there is no time requirement to make a determination on appeal, a written determination is nevertheless required to be provided to the borrower. It is not a matter of when the appeal is requested, but rather when the determination is made and made known to the borrower in writing by an Appeals Specialist of the Appeals Department. In their XXXX XXXX, XXXX letter resulting from a review of the mortgage and service records, BofA admits to have had denied my appeal request and, therefore, not having performed a review on appeal upon receipt of a timely appeal request resulting from the XXXX XXXX XXXX HAMP denial. When an appeal is requested timely, an appeal shall be granted and the appeal process is to be initiated with a determination issued on appeal completing the appeal process without exception. The appeal process is currently incomplete and pending as no written determination has been provided to the borrower granting or denying XXXX HAMP related to the XXXX XXXX appeal. Also, I have not received any final response related to the XXXX currently pending in-house case escalations or the currently forty-one pending company response CFPB complaints. Furthermore, BofA made an offer to settle for their misconduct and mishandling of my RMA in XXXX, but the offer was presented as a modification and failed to include any admissions of wrong-doing making it impossible to accept. BofA responded to the rejected offer with a Notice of Default a year later. The importance of the XXXX XXXX, XXXX BofA letter representing I had been informed over the phone on XXXX XXXX, XXXX no appeal had been conducted upon receipt of a timely appeal request because I am ineligible for HAMP is due to the fact the XXXX XXXX XXXX denial is the same as the XXXX XXXX HAMP denial which the XXXX XXXX Appeals Department internal Appeal Report supporting documents deemed incorrect thus granting HAMP and HAMP TPP on appeal. However, I was never informed of the Appeals Department decision upon completion of their HAMP review.
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

2016-11-14

Washington, DC

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

2016-11-14

Hinkley, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I filed for Bankruptcy Chapter XXXX in XXXX XXXX. My Bankruptcy was discharged XXXX XXXX. All my creditors stop taking my payments. Bank of America was the only bankthat continued to take payments out of my checking account. In XXXX XXXX Bank of America started a new loan without consulting me. I made numerous attempts to ntact BA to stop them from taking payments and I was not successful. When I went into the banks I was informed that they could not help me and they provided me with the number to the Bankruptcy Department. Again, I had no success to getting through to them. Finally, in approximately, XXXX XXXX I successfully got through to Bank of America and I asked them why they were taking money while I was in Bankruptcy and why they restarted my loan with out my authorization. Bank of America provided no explanation, yet, they sent me a refund cashier check for {$6500.00}. They never reimbursed me interest for time they took my money, yet, they added {$2000.00} in interest to my home loan. I asked if I could do a settlement regarding the balance and I was told they stopped offering settlements. I asked since they made a mistake and taking money during the time that I could have received a settlement if they would retro back and they said no. They took away access to my account away from me on the internet and when I try to make payments at the branch, I am told they could n't take the payment. The only way to make a payment is by calling the Bankruptcy Dept yet, it 's hard to get through to the Bankruptcy Department. I Bank of America continues to calculate interest on the account, yet, they make it a challenge to make a payment. I can see my home loan when I sign in to Bank of America 's website, yet, my access to pay has been taken away.
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

2016-11-14

Carson City, NV

Other

Credit card:

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: No Timely Response

2016-11-14

August F. Haw, CA

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

2016-11-14

Allerton, NY

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: No Timely Response

2016-11-14

Adams City, CO

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 monetary relief

Disputed: No Timely Response

2016-11-14

IL

Managing the loan or lease

Consumer Loan: Vehicle loan

Complaint: I have a corporate auto loan with Bank of America. The loan has been on autopay via Bank of America 's system since the XXXX payment in XXXX. In XXXX XXXX, this autopay was cancelled with no reason or notice from BoA and they claim to have no understanding why it was cancelled. When they called me to notify me of a late payment, I immediately made the account current, and was told that all interest and late fees would be waived and my credit would not be marked. Of course my credit has been marked, being the only negative information on my credit report. I have gone through BoA 's correction process and they refuse to remove the negative information and will not give any information beyond saying " the information reported is accurate. '' Which, obviously, it is not.
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

2016-11-14

Taunton, MA

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: No Timely Response

2016-11-14

Keizer, OR

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

2016-11-14

Lansing, MI

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: Yes Timely Response

2016-11-14

San Francisco, CA

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

2016-11-14

Cheverly, MD

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: Yes Timely Response

2016-11-14

Oxford, GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Please read the two emails below : 1 ) XXXX XXXX XXXX : I would like to inform you than I am totally disappointed with the way XXXX XXXX XXXX has treated me because I am an XXXX descent despite the fact that I have banked with you since 2002 and have had two mortgages with you till this day. I have never had a problem with your bank until your fraud department decided to close my account last week ( XXXX ) because one deposited check of {$5000.00} had an irregular signature ( deposited XXXX and I got notified on XXXX ) and they deceived me by telling me that the check will be returned in 5-10 business days. The other bank soon honored the signature and asked that the check be re-presented to XXXX, but XXXX told me on the 14th business day ( XXXX ) over the phone that my check will not be returned. In the notice of XXXX, I was given till XXXX to make my account positive, which became positive by XXXX ( less than 2 weeks ). A day after my account was positive on XXXX, Bank of America sent me another notice that my account has been closed. I ran to the bank to speak with XXXX, who told me that there was nothing he could do because the fraud department closed it due to a business decision. He also told me to come into the bank to pay my mortgage, which I have NEVER done before because all my payments are made online. Also, my XXXX XXXX told me today over phone they collected their payments on XXXX, but when I went to the bank today, I was told that my account was closed XXXX and a check had been sent to me. Now, I have to go to another bank to pay my mortgage and car note online. XXXX should be ashamed of themselves for treating their customer for over a decade with 2 mortgages like a criminal living in poverty, who now has to walk in like an illiterate to pay his mortgage in the bank instead of online. This was done because I was wiring money to XXXX and I have a XXXX name. If I was white with a XXXX name and I was sending money to XXXX, I am sure I will be treated differently with some level of respect. Please respond. Thanks. 2 ) Thanks XXXX. I have spoken to XXXX twice in the branch about this on XXXX a day after I first got notified about the irregular signature on the check and on XXXX when the fraud department told me over the phone that the check will not the returned despite the fact that XXXX told me that the check will be returned in 5-10 business days. I think the fraud department intentionally set me up to close my account because I am on XXXX descent. I spoke to them twice before XXXX and they said I could re-present the check when I get it. They gave me till XXXX in their XXXX notice to make my account positive and my account was positive on XXXX, but they sent me a notice on XXXX ( a day after my account became positive ) that my account is closed. This is racism and it was done because I am an XXXX descent and was wiring money to XXXX. Will they close my account if I was XXXX wiring money to XXXX after my account was made positive? Will it take 15 business days to inform me that my check will not be coming back? They strategically delayed me to have evidence to close my account despite banking with XXXX XXXX XXXX since 2002 and with 2 mortgagees. I now have to go to another bank to pay my XXXX XXXX XXXX mortgage online rather than walk into your bank. This is shameful!!!
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: Yes Timely Response

2016-11-14

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I submitted a modification on behalf of our client on XX/XX/2016. I have been calling on a weekly basis to obtain status. We sent a third party authorization on XXXX/XXXX/16 and another on XXXX/XXXX/16. I spoke to a representative from Bank of America by the name of XXXX in the Loss Mitigation department on XXXX/XXXX/16 who advised I needed to update our authorization. I called again on XXXX/XXXX/16 and spoke to a representative to confirm they received the authorization. On XXXX/XXXX/16 I left a message for relationship manager XXXX XXXX. On XXXX/XXXX/16 I spoke with XXXX who advised that they needed additional documents. On XXXX/XXXX/16 I spoke with XXXX XXXX who advised she reviewed the documents and file was going back to underwriting. On XXXX/XXXX/16 spoke to BOA again and was advised file in underwriting. I call again on XXXX/XXXX/16 and speak to XXXX XXXX and she now tells me out of no where that she can not speak to me or anyone on this file. I ask her why not and she replies I can not. I ask well who can I speak to? She replies I do n't know. I can not give you any information. After, 5 minutes of asking her to please refer me to someone she tells me I need to speak to their counsel and when I ask for the name she says she does not have it and ca n't give it out to me either way as she can not speak to me. I am filing a complaint because we send them a borrower 's authorization to speak and handle the loss mitigation file on behalf of our client and out of no where Bank of America says they ca n't speak to us and can not provide a valid reason as to why they can not speak to our office nor to the borrower nor can they refer us to the appropriate party with a name and phone number of who we should call. We would like a status of the modification and the name, number, and email of who we need to contact on this file.
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

2016-11-14

Columbus, OH

Closing/Cancelling account

Credit card:

Complaint: I cancelled my Bank of America card and paid off my balance, but they still charged me a monthly fee for their Privacy Assist service after I had closed the account. I did not realize they had done this, and so I ended up with a past due balance on an account I thought I had closed successfully. They then reported this as a delinquency on my credit report ( for a balance of {$12.00} ), which then resulted in my credit score decreasing significantly ( again, all over a balance of {$12.00} ). This came to may attention because I had applied to refinance my mortgage, and was n't able to do so because of this {$12.00} delinquency ( which had in the meantime snowballed to a total of {$20.00} with fees ). I contacted BofA and was unsuccessful in convincing them to reverse these charges, but they said as long as I paid off the full {$20.00} balance they would reverse the delinquency. I did so over the phone. A few days later, they still charged me another {$1.00} interest charge ( again on an account which I thought I closed, and thought I finally paid off in full via the phone payment ). So the account still has a balance and I have to make yet another payment, on an account which I have been trying to close, because of a service which BofA sold me and I did not even use once but had been paying for for years ( shame on me for not cancelling the account sooner ). And they still have not reversed the delinquency on my credit report because I owed this {$1.00}, so I am still unable to proceed with my mortgage refinancing until I pay them the {$1.00} and the correction to my credit report is finally made. All over a {$12.00} charge on a closed Bank of America account, from another Bank of America service! I would have expected that the Privacy Assist " service '' should not have been able to successfully process a charge on a closed account! And I believe that had the service not been a BofA service, BofA would not have allowed a charge to go through on a closed account. It is only because this is one of their services, that they allowed this situation to happen in the first place - and that 's not right.
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

2016-11-14

Fort Russell, IL

Managing the loan or lease

Consumer Loan: Vehicle loan

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

2016-11-13

Garrett Park, MD

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

2016-11-13

Lewisville, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: XXXX XXXX, 2016, I deposited via ATM a Cashier 's Check from a local bank to my Bank of America checking account. I received a receipt allowing immediate access to {$200.00} and the balance held pending posting of the deposit. I then paid expenses within the limit from the checking account. Those payments were honored by the bank. Much later that evening, BOA then placed a hold on the entire amount of the Cashier 's Check for 10 days, thus reversing the honored items and charging overdraft fees. As required by their policy, they gave no notice of doing so until XXXX on XXXX XXXX, 2016. The bank was closed on XXXX/XXXX/16. I went to the nearest branch on the morning of XX/XX/2016 and met with a banking officer to be told they may have felt the " Cashier 's Check '' may have been dishonored by the issuing bank. There was nothing they could do until he could call the issuing bank to confirm they will honor the " Cashier 's Check ''. Then on XXXX XXXX, 2016 at XXXX I received an e-mail from BOA providing a link to their notice of a hold being placed on the entire amount of the " Cashier 's Check ''. That link connected to a letter dated XXXX XXXX, 2016 to me the reason for the hold, " A hold was placed on your check ( s ) because check specific information indicates item may be returned. '' My account remains " overdrawn '' and no funds available to me for medical and living expense. My wife and I, both over XXXX, exist on our Social Security payments and BOA has inflicted severe stress upon us.
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

2016-11-13

Atl, GA

Dealing with my lender or servicer

Student loan: Non-federal student loan

Need information about my balance/terms
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

2016-11-13

Point Arena Air Force Statio, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Bank of America extended {$50000.00} line of credit loan to borrower, who was co-trustee of a trust. Modest family home was the only trust asset. Title search was never done by bank, else they would have discovered in the Trust document AND paperwork recorded with XXXX County, CA, that financial transactions could not be made without the approval of BOTH trustees. This was a fraudulent loan done by B of A. Borrower, an XXXX who was n't married and had no children, died last year and his sister, the other co-trustee, is survivor trustee. She had no knowledge of the loan, never approved the loan, and never benefited from the loan. How the money was spent is unknown, and he had no assets. After repeated contacts with Bank of America ( since XX/XX/XXXX ), they have just informed her in XX/XX/XXXX that they will not forgive the loan, and are threatening her with foreclosure on the house. She lives in XXXX California, has very little money, and takes care of a XXXX grandson. She has no money to pay court fees, even if the attorney worked for free. {$50000.00} is a " fortune '' to her, while it 's " small change '' to Bank of America. I have ALL documents to prove this, and it 's a very straightforward issue. Bank of America had no legal right to extend this loan to an unauthorized borrower, and has no legal right to demand the innocent victim to pay it off, else lose her 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

2016-11-13

Plano, TX

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 non-monetary relief

Disputed: Yes Timely Response

2016-11-13

FL

Transaction issue

Credit card:

Complaint: I have been a Bank of America customer since XXXX and never had an outstanding balance in my XXXX credit card. On XXXX XXXX, XXXX I took advantage of a promotion of a 0 % cash advance. I paid {$600.00} fee for a {$15000.00} cash advance payable in XXXX XXXX at 0 % interest. In my following statement on XXXX XXXX, XXXX I was charged {$44.00} for interest, even though I had paid in full for my purchases. When I called the bank, I was told that my payment was applied to the cash advance balance and not my purchases, thus the interest on my purchases .... This to me is clearly a scam or misleading promotion since I am being charged twice the interest. Bank was unwilling to solve my problem and suggested to stop making purchases with my credit card to avoid future interest charges.
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