BANK OF AMERICA, NATIONAL ASSOCIATION
Consumer Complaints
There are over 87057 complaints on file for BANK OF AMERICA, NATIONAL ASSOCIATION. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 1015
2016-11-09
Laurel, 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
2016-11-09
Chicago, IL
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
2016-11-09
Chino Hills, 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 monetary relief
2016-11-09
GA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: FROM THE DESK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Consumer Protection Finance Bureau CASE # XXXX & XXXX XXXX CASE # XXXX XXXX XXXX, XXXX XXXX XXXX Office & XXXX-Fax Re : NOTICE OF MORTGAGE FRAUD BY XXXX XXXX BANK XXXX.
BANK OF AMERICA MORT. DEPT.- FORMER LOAN # XXXX LOAN # XXXX Subject : BOA Loan # XXXX - CFPB XXXX XXXX Request for CPFB/FBI Immediate Assistance in Enforcement of Consent Order Signed by Bank Of America XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for XXXX XXXX United States of America XXXX.
Bank of America XXXX XXXX District Case # XXXX cv XXXX Dear XXXX. CPFB/FBI : I am writing this letter to serve as my official request for the CFPB to reopen the Complaint against Bank of America in Case # XXXX, and attach it to the complaints filed against XXXX XXXX XXXX XXXX XXXX & XXXX XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX. XXXX XXXX. TRUSTEE FOR XXXX MASTER PARTICIPATION TRUST, XXXX XXXX XXXX XXXX, XXXX XXXX.
1 ) Bank of America is the original orchestrator of the Mortgage Fraud claims against XXXX XXXX XXXX XXXX Bank XXXX XXXX Bank XXXX, XXXX XXXX and should be held equally liable for the mortgage fraud tactics of these entities.
XXXX XXXX COMPLAINT BOA OF XXXX XXXX FRAUD-XXXX 2 ) Bank of America was fully aware that these entities did not exist as a legitimate Mortgage Company, and as such has violated their consent order to cease and desist from any further unlawful foreclosure tactics.
3 ) Bank of America claims that it assigned the mortgage to a new servicer back in XXXX XXXX, XXXX. However the Mortgage records of XXXX XXXX show that this mortgage was not assigned until XXXX XXXX, XXXX, and recorded on XXXX XXXX, XXXX. It was signed by XXXX XXXX XXXX XXXX XXXX and not by XXXX XXXX Bank Trust AKA Bank XXXX XXXX XXXX. TRUSTEE FOR XXXX MASTER PARTICIPATION TRUST.
4 ) Bank of America 's consent order guaranteed us that our mortgage would not be sold, or transferred to any stealth foreclosing entity, or predatorial lender, or ghost Mortgage Company.
5 ) BOA knew that Long Star Fund out of XXXX is the holder of XXXX MASTER PARTICIPATION TRUST, and not XXXX XXXX Bank XXXX XXXX Bank XXXX XXXX XXXX. TRUSTEE FOR XXXX MASTER PARTICIPATION TRUST. They are not mentioned in any documents of transfer of my mortgage to BOA.
We sent Bank of America the below itemized letter, and incorporate it into this complaint by reference.
LETTER NO. XXXX TO BANK OF AMERICA FROM THE DESK OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX COMPLAINT BOA OF XXXX XXXX XXXX XXXX XXXX, XXXX Consumer Protection XXXX XXXX CASE XXXX XXXX XXXX XXXX XXXX XXXX CASE # XXXX XXXX XXXXXXXX XXXX XXXX Office & XXXX RE : FOLLOW-UP RESPONSE TO XXXX HOME RESPONSE dated XXXX XXXX Certified # XXXX & XXXX XXXX Certified # XXXX SENT BY XXXX XXXX XXXX Request for CPFB/FBI Immediate Assistance in Enforcement of Consent Order Signed by Bank Of America XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX for XXXX XXXX United States of America XXXX Bank of America XXXX XXXX XXXX Case # XXXX Subject : Response to XXXX XXXX Loans XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX. XXXX XXXX. TRUSTEE FOR XXXX MASTER PARTICIPATION TRUST, XXXX XXXX XXXX XXXX, XXXX XXXX Per FDCPA and Georgia FDCPA XXXX Dear XXXX. CPFB/FBI : I am writing this letter to serve as my official r
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-09
Hon, HI
Loan modification,collection,foreclosure
Mortgage: Home equity loan or line of credit
Complaint: In early XXXX, I applied for mortgage assistance on my first lien residential mortgage, which was owned by XXXX and serviced by Bank of America. I applied through XXXX XXXX, the lawyer for Bank of America at the firm of XXXX XXXX in XXXX. My application was submitted twice to XXXX XXXX, and twice was submitted by her to her client. Twice, the bank required additional documents. This submission was solicited by XXXX XXXX as part of an effort to settle a counterclaim I had filed in response to a complaint for foreclosure. Eventually, XXXX XXXX moved for dismissal of my counterclaim, and the court granted the motion. From that time forward, Bank of America never decisioned those XXXX submissions, only requesting additional documents, but never moving the file forward. Once the counterclaim was dismissed, the bank stopped processing my request. I submitted it again [ through my attorney 's office ] again in XXXX, and was officially denied around XXXX that year. I complained to XXXX who informed me that the laws all changed on XXXX XXXX, XXXX, so I was to resubmit, which I did in XXXX of XXXX. I was denied again. I appealed, and the appeal was denied. I applied again several more times during XXXX and again each time I was denied, and I appealed and the appeal was denied. Each denial came with a different reason, though my income and expense facts were always the same. The final app was submitted around XXXX/XXXX/XXXX. This time the response was different. The bank responded with a letter stating that an issue existed, and I needed to call the bank to discuss it. I did [ through my attorney 's office ] and was told that my attorney needed to speak with the bank 's attorney. At that time, the law firm for the bank in the foreclosure complaint was XXXX, and XXXX XXXX was the lawyer. She stated several times in reply to email that she was trying to get her client to clarify what this issue was that seemed to be holding up my application. This process continued for about 116 days until XXXX of XXXX, when my attorney reached out to the bank 's social media department, and got special assistance on my application. At that time, the bank revealed that I had been the victim of an attempt to use fraudulent checks to pay-off my first lien mortgage and my HELOC second mortgage, both serviced by the bank. The bank explained that due to this fraud, I was never eligible for a loan modification by the bank. Despite the fact that for two full years, the bank had received my apps, processed them, twice through its own lawyer 's office, and several more times from my lawyer 's office, and several times using channels of management both at the bank and at a remote site here in XXXX, and again through the bank 's regular business lines for this sort of request, at no time did the bank ever truthfully state the situation on my account. But in XXXX, though no laws about this sort of disclosure had changed or been enacted, the bank elected to finally tell me the truth. The bank informed my attorney that it was service-releasing the case to XXXX, and shortly after that happened, I was approved for a XXXX standard modification.
In XXXX of XXXX, I tried to get the XXXX that I am eligible to be reviewed for, and was denied due to the fraud spoken of above. I was not responsible for this, and by XXXX of XXXX, that flag was removed through my attorney 's efforts.
I was offered a bank modification for XXXX a month, and the letter stated I was not reviewed for XXXX under XXXX, but that if my first had been modified, I was eligible for review for XXXX. The XXXX Handbook states specifically if my first receives a XXXX Standard Modification, I am eligible for review for XXXX.
The bank refuses to answer my requests for why I was not reviewed for XXXX, and refuses to review me for the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-09
WI
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: Account owner died and Bank of America is making it difficult for the executor of the estate to collect the funds from the deceased money market account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-11-09
CA
Credit decision / Underwriting
Mortgage: Conventional fixed mortgage
Complaint: XXXX We were over 60 days in the loan process with you and fully complied with your every request in an expeditious manner.
We have proven our income, are secure in our employment, and have money in the bank, our credit scores are over XXXX, we have no credit card debt, our residence appraises more than sufficiently, there has been no change in property size, zoning, type or usage since our previous successful re-fi with B of A which, in fact, qualified for and is currently owned by XXXX. You have already changed our insurance coverage naming B of A as additional insured for the new loan. For you to now tell us that our application for refinance has been declined because of " property type '' which was made known to you and which you marginalized in our initial and subsequent telephone conversations, just does not pass the smell test. I have been counseled to request a comprehensive explanation for their declination from your responsible underwriting staff. What has changed since our previous refinance with B of A?
There is speculation that B of A is hoarding cash because of the election or that there may be age discrimination. Please provide this along with your official declination statement in writing and in a timely manner. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-09
Braintree, VT
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
2016-11-09
Washington, DC
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
2016-11-09
Stafford, VA
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
2016-11-09
Tibbs, MS
Customer service / Customer relations
Credit card:
Complaint: I applied for a Bank of America BankAmericard. I received the card in the mail and activated it. I then tried to use my card at XXXX restaurants and it was declined XXXX times. I called Bank of America and I was told this problem was corrected and all holds or blocks had been removed from the card. I tried to use the card once more and it was declined again that is when I placed my second call to Bank of America and they assured me it was because I was trying to use my card in XXXX and my home address is XXXX I then tried to use my card in XXXX and it was declined again for the XXXX and XXXX time. I called again and spoke with a CSR and was told they flagged it as fraud and again told all blocks and hold had been removed from my card. I tried to use the card with the CSR on the line and it was declined again for the XXXX time. The CSR then asked me to hang up and she would give me a call back and I never received a call back. I called again on XXXX/XXXX/2016 and spoke with someone named XXXX in the Fraud Department he told me that he had the ability to see more of my account than the CSR did and he said the card had been reset and was ready to use. I tried to use the card after this and it was declined for the XXXX time. I have called Bank of America 6 times and have not gotten a resolution to my card being declined.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-11-09
IL
Account opening, closing, or management
Bank account or service: Checking account
Complaint: Bank of America in XXXX XXXX, IL, will discontinue its drive-thru service on XXXX after reinstating it from a previous cancellation, following a deluge of complaints. I am a XXXX with a XXXX, which makes it difficult to stand in long lines. Online banking is not an option for me. They did not have a designated drive-thru teller, so no additional cost was incurred. This smacks of discrimination.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-09
Anaheim, CA
Application, originator, mortgage broker
Mortgage: Conventional fixed mortgage
Complaint: In XXXX, 2016, we decided to refinance our rental property and in good faith with Bank of America ( B of A ), in hindsight, a decision that was obviously made in error to pursue with B of A. We never thought any issue would occur with our refinance, nor were we ever told that the refinance would not go through until XXXX/XXXX/16. From XXXX/XXXX/16 until XXXX/XXXX/16 is a period of over 3 months to obtain any confirmed response as to our refinance status. That is excessive, unwarranted, and is unacceptable and reflective of defective customer service from this institution.
When we initially refinanced we spoke with employee XXXX XXXX, who never informed us that our refinance would be an issue, he assured us that we can proceed. He also ran our credit ( as did employee XXXX XXXX ) and informed us that B of A could in fact move forward with the refinance. He offered us a rate of 3.75 % with some closing costs. Over the next month or so, he was never available to provide us with any accurate updates as to what was going on with our refinance. He gave us the run around by not returning phone calls or emails. However, he happily took {$470.00} of our money to secure an appraisal. That money to date has not yet been refunded ( and it must be refunded immediately since we did not receive a promised refinance ).
After we spoke with XXXX, and were successfully given the runaround by him, XXXX supervisor ( XXXX ) eventually informed us that we had to apply for a " different '' loan. Approximately a month or so later, we then were transferred to XXXX XXXX to pursue this " different '' loan process. XXXX XXXX called us, and in detail, went over the particulars of this " new '' refinance, including compelling her and me to timely complete and sign, and send to her numerous, numerous documents to facilitate the process. Which we happily completed under the impression that we were going to be refinanced. We even received numerous phone calls from a title company confirming as to what name the property should be titled as.
After we confirmed title, we were told by XXXX that we again needed to pay for another appraisal because the property was a considered rental property. We were happy to comply with this request and were ready to pay the difference that XXXX specifically stated we had to pay to obtain yet ANOTHER appraisal because according to her, an appraisal for a rental ( including its cost ) is " different '' than a " regular '' appraisal ( which we paid {$470.00} for and should be refunded immediately ). She informed us that we needed to pay approximately {$670.00} for this " new '' appraisal even though we had already purchased a prior appraisal for the SAME property, a month earlier at XXXX request. We were nonetheless ready in good faith to comply with her instructions.
Hence, XXXX XXXX, XXXX, and XXXX supervisor ( XXXX ) both knew that the refinance was for a rental property and still continued to assist, reassure, and inform us that our refinance was going to go through as expected. At this time our home purchase in XXXX had been effectuated. We personally received an e-mail from XXXX about our refinance, after I had to repeatedly follow up with her, in which she clearly and unequivocally stated that " there is nothing more we need to do '' and that I needed to wait about 3 weeks for the refinance process to complete. That everything was fine. More lies. After that false and deceitful message from XXXX XXXX, she then randomly and out of the blue told us that we needed to speak to XXXX manager XXXX XXXX. We attempted to contact XXXX multiple times with no response. I then contacted XXXX XXXX who again was 100 % not forthcoming and also obfuscated my efforts to obtain a straight answer as to our refinance. He eventually told me that he could not say anything and that at my request, he would " escalate '' the issue. We were wrongfully denied a refinance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-09
SD
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: I asked for a Payoff Quote on or about XX/XX/XXXX. Bank of America said they would send one to me, and also provided information in my account center regarding that I could obtain payoff information within the user interface. It indicated that I could obtain Payoff information on our Website by logging on, selecting Account Information from the Navigation Bar and selecting Payoff Information. This in no way was provided as an option on the website. I called in to customer service to obtain payoff information and was provided it over the phone, and they seemed to think that a payoff quote was sent to me via regular mail, but confirmed that payoff information and the navigation bar is not available. Bank of America should stop providing this documentation within the account center, as it is totally inaccurate, and confusing and very inconvenient for the customer that receives that incorrect information and looks on the website for a payoff quote. Account Center Letter indicates : Dear XXXX, Thank you for your Internet inquiry addressed to the Customer Service Department pertaining to your mortgage account.
A payoff demand statement good through XX/XX/2016 was requested to be mailed to you on XX/XX/2016. Please be advised you may view your Payoff Statement on our Website. For Payoff information on our Website please log on, select Account Information from the Navigation Bar and select Payoff Information. Some loans may require special handling and are not available online at this time. To obtain this information please call XXXX, XXXX PST. A fee for this service may apply to some accounts.
For further questions or if we have not fully resolved your concerns, you may contact our Customer Service Department at XXXX, XXXX, local time.
Thank you for communicating with us electronically ; we appreciate the opportunity to be of assistance.
Original Message : Please provide a payoff quote good through XX/XX/2016, with an itemized breakdown. Please provide a quote that considers that I 've made my XXXX payment ( so that amount is not included in the payoff because I 've already paid it ). thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-09
Brooklyn, NY
Other fee
Credit card:
Complaint: I believe that Bank of America unfairly charges my credit credit just by purchasing a flight ticket from XXXX XXXX which is XXXX a Foreign Transaction Fee of {$47.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-11-09
OH
Advertising and marketing
Credit card:
Complaint: I applied to obtain a XXXX rewards XXXX card issued by Bank of America because of the reward programs that was listed on the ad I read in my monthly XXXX car club magazine.
Here is the problem, the ad stated that if I used my XXXX rewards XXXX at XXXX approved car care centers I would be awarded triple points. However, I am not earning triple points. I have filed XXXX reports with Bank of America and have not been supplied with an answer that addresses the contradictions between what is being advertised as to what is actually being practiced.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-11-09
Key Biscayne, FL
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: A check was returned without posting to an account with sufficient funds to the account and a nsf fee was charged. Bank explains " an order of posting '' logic that cvannot be backed up in writing. At the close of the business day of XXXX there was sufficient funds to cover check. Please see attached statement. aLandlord is not charging me late fees that should be for the account to bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-11-09
Aurora, CO
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
2016-11-08
N Hollywood, CA
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt resulted from identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-08
Amarillo, TX
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
2016-11-08
Miami, FL
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
2016-11-08
Amarillo, TX
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
2016-11-08
Amarillo, TX
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
2016-11-08
Ormond Beach, FL
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
2016-11-08
N L R, AR
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