BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-08

Manhattan Bch, 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: Yes Timely Response

2016-11-08

Nantucket, MA

Disclosure verification of debt

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

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

2016-11-08

N Valley Stream, NY

Payoff process

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: Yes Timely Response

2016-11-08

Toppenish, WA

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

2016-11-08

Encino, 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

2016-11-08

Salton City, 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

2016-11-08

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

Disputed: No Timely Response

2016-11-08

Cheshire, OR

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

2016-11-08

Lewisville, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: The bank closed my accounts. The bank did not give me notice, they did not tell me why. I was not negative with them. I never let my accounts overdraft, I never argued with them. First thing did was lock my debit card out without explaining. Then they said that was done in error because the customer service agent had accidentally marked it as fraud. Then they said the next day they decided to end the relationship with me and put me on something called hotfile and wrote me as a bad customer on XXXX. I told them I never reported my debit card being stolen at all, yet they said sorry. Because the customer service agent did some how Bank of America says it 's my fault. Now I ca n't get a checking account anywhere, because every where I try they get reviewed and closed. All because bank of americas customer service marked my debit card as being stolen, then told me she did that by accident and that there was no way to reverse that. On top of that I had XXXX $ in my accounts they held this and charged me a research fee every week. Until finally telling me I had XXXX $ left and would n't ever refund it.
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

2016-11-08

Cheshire, OR

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

2016-11-08

Atlanta, GA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I used a Bank of America ATM on XXXX XXXX to make a deposit and a week later my debit card was used at a XXXX ATM approximately XXXX miles from my home. I notified Bank of America immediately that my card was in my possession as well as notifying them that I did not make the transaction. Throughout the process of the fraud claim I had representatives review my account history, notifying them that this debit card is only used possibly 1-2 times a month. My initial 2 attempts were denied for the fraud case. I 've worked in the banking/finance industry for over 7 years and am aware that ATM machines have been targeted for phishing or skimming attacks. The bank is claiming to do research and is holding me accountable for a balance inquiry fee, 2 ATM withdrawals and ATM fees that total to {$400.00}. Per my account history I only pay bills from the stated account and would not check my balance at a non bank ATM plus do multiple withdrawals that would cost me additional money. I initially sent my request to the XXXX and was referred to submit the inquiry here. I 've been scammed by someone or possibly the bank and as a consumer this seems to be advantageous for a bank and a nightmare for a customer.
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

2016-11-08

Val Verde, TX

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX/XXXX/XXXX, we deposit a check in my account for {$2800.00} after calling the bank it originated from and verifying it 's legitimacy. On the day we deposited the check, our bank locations system happened to be down so we called to get an update on the status of the check. The Bank of America rep told us they would release {$100.00} on XXXX/XXXX/2016 and the rest once the check has cleared. The entire check cleared the next morning so we called back and the rep told us it takes 3-5 days to clear and the bank could still pull the funds until then. We called back a few times and were told the same thing by different reps for the first week. The following week, a female rep informed us that it actually takes 10 days to clear and the funds could be pulled back until that time. The last rep we talked to told us that the funds had been cleared by both banks and that there was no way either bank would come back after that period of time stating the check was n't cleared. We waited until XXXX/XXXX/2016 to use any money from the check. On XXXX/XXXX/2016, I checked my bank account and it showed they were pulling the funds back out of my account and my account was now negative almost {$3000.00} from the check being pulled back and our cell phone bill still processing. The only thing it showed on my online banking account was debit/hold for {$2800.00} on XXXX/XXXX/2016. I called customer service and spoke with a man who said he did n't have any explanation on his side as well and put me on hold to get his supervisor. Neither could tell me what was going on and stated that the only thing they could do is submit the charge-back for review as high priority but I would still need to find another way to be repaid ( wire transfer, money order, etc ) for the funds that were pulled back out of my account. I do n't understand how anyone can pull funds that were verified by both banks and cleared over two months ago. We verified the check with the original bank and called Bank of America almost everyday to verify the check had cleared before we touched any funds from it. No one has an explanation and I 've been getting the run around from Bank of America since we deposited the check back in XXXX.
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

2016-11-08

Brooklyn, NY

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

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

2016-11-08

San Francisco, CA

Closing/Cancelling account

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

2016-11-08

Jacksonville, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I am a Bank of America customer. I have a savings, checking, and credit card with them. I received an alert on my phone that I was charged a {$12.00} fee on my savings account for overdrafting my checking account. I did not overdraft my checking and called customer service. Remind you this is the XXXX or XXXX time that this has happened. I was placed on hold for over XXXX minutes and the representative still could not explain to me why I was charged the fee. I called back and spoke to another representative who was VERY rude XXXX XXXX from Nevada XXXX. He laughed at me for not understanding his explanation. He then said, " the computer system will automatically charge a fee if it THINKS you are going to overdraft. '' This made no sense to me and waived red flags. He then said, " that feature is for people that do not minitor your account as closely as you. '' This raised more red flags. I asked, so if I did n't notice and did n't call in then I would still be charged a overdraft fee, when I actually did not overdraft? I was laughed at and made to feel stupid because he could n't provide an answer that made sense to me. I was transferred to a supervisor, the fee was waived, and the supervisor had to do further research because she could n't provide an explanation either. This seems very suspicious and sketchy to me. It may be a glitch in their system, but I wonder how many Bank of America consumers do not notice these absurd fees? I apparently monitor my account to closely, according to Bank of America representative ; XXXX from XXXX.
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

2016-11-08

Las Vegas, NV

Delinquent account

Credit card:

Complaint: I have had many problems with this bank. First my bank account, and now my credit cards. I have requested many times that they assist me in reducing my interest rate so I can pay off the accounts. They refused. I called one day and requested any assistance with a payment plan of some sort. The agent barely helped me and kept asking what I wanted, instead of telling me what I might be able to do to get help. He took my debt/income information and payments on the accounts and said I will get a letter about it in the mail. I finally, after weeks got a letter that says, " We are unable to assist you with your request regarding this account. '' That 's it. Nothing that I can do, no reason they can not help, just NO. I am unable to make my payments online anymore and although I have requested statements, they do not send them to me. I can not even tell how far my payment is past due or anything and now it 's damaging my credit very much, just because I fell into some hard times when I got behind having to pay my mothers rent. Now, early XXXX I have to pay her rent again due to her XXXX for about 3-4 months and I am going to be low on money again and they will not assist 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

2016-11-08

Philatelic Center, CA

Incorrect exchange rate

Other financial service: Foreign currency exchange

Complaint: In looking to exchange foreign currency, I found that Bank of America publishes one rate on its website available to public viewing ( a very favorable rate for the consumer ) and an entirely different rate on its account holders-only website when one logs in to actually make an exchange ( a much less favorable rate ). One can not order the foreign currency through the open-to-the-public site ; orders can only be placed once logged in. Even now, the rates shown in real time across the two website are significantly different ( a difference of approx. 15 % ). In short, I was baited by BOA 's favorable rates published online, and I went through the trouble and expense of opening an account in reliance on that rate. Once an account holder and able to actually place an order for the foreign currency, I was shown the significantly higher rate.
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

2016-11-08

Las Vegas, NV

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

2016-11-08

FL

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: We made a transfer to a " Company '' thru our account at Bank of America using their online banking submission form. The Account name is a mandatory field along with the routing number field and account number field. However, since our email and transfer instructions were hacked prior to sending the money, it ended up in a fraudulent account that had nothing to do with the company name we sent it to! Since the field is mandatory, yet is n't being checked, Bank of America is complicit in the fraud and is actually deceiving their own customers in thinking the money will end up in the proper account! If the Name AND the account number had to match, a huge percentage of fraud could be stoppped. But, the bad guys know the name is never checked anymore! But the field is mandatory or kicks back an error if that field is not filled out. The transfers were to a corporate vendor that we send money to every 2 weeks. The first transfer was over XXXX, the second transfer was over XXXX. Once we realized the fraud we contacted BOA fraud department. They stated that they would issue a reversal of the funds from the other banks. BOA personnel would not give us their last names even though they were OUR bank. They also would not give us a letter or email as proof that they were issueing a reversal! We had nothing besides our own personal logs of communication to them that they were in fact issuing a reversal. We immediately contacted the FBI. We were told this was the latest scam. That theives were intercepting wire and transfer instructions that are being emailed. They then hack the email and change the account number and routing number on the instructions BUT, they leave the name it 's being sent to untouched! So it appears your sending the money to the proper person/company, but it 's going into the fraudulent account! The FBI steps in to help recover the more than XXXX that was stolen. In the meantime we get XXXX letter from BOA that there 's " nothing they can do about recovering the money ''! The FBI calls us and asks if we contacted BOA to do the reversal. We said we did and gave them the " first names '' and telephone numbers we called at BOA. The FBI verified that BOA NEVER issued the reversal The FBI contacted XXXX banks to freeze the funds and contacted BOA on our behalf to initiate the reversals. We received most of the money back but lost about XXXX. Bank of America did NOTHING to help us. Without the FBI, we would have lost it all. Bank of America also will not help us in identifying who owns the accounts that stole our money. They said we have to get a subpoena to find out who stole the money and go after them ourselves which we intend to do. We will also be filing suit against BOA for deceptive business practices as well. BOA is assisting in the fraud by making their customers feel secure that the money ends up in the Account NAME they are sending it to but making that field a mandatory field and sending you a safe pass code. It means nothing. We actually made a video which we intend to put online which shows the actual steps and required fields. Furthermore, as proof, we sent money to a fake name and it ended up in the account the next day! Here 's another kicker ... .the FBI said there 's so much of this going on they do n't have the time to go after all these people!! I could n't believe it. I used this analogy to the Agent at the FBI ... I said " if I walk into a bank with a letter to the teller to give me the money in the drawer, no Gun or anything, and I get 'X ' dollars, ( say XXXX or so ), they have helicopters, swat team, state and local police looking for me..yet if someone steals XXXX, you do n't have time? '' The FBI agent stated " sad but true ''.
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

2016-11-08

La Sierra, CA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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

2016-11-08

Northside, NC

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Complaint: On XXXX XXXX XXXX obtain a mortgage from Bank of America in which time. I was never on the loan but was on the deed. In XXXX, I filed for separation and was in the process of buying my own home and I was advise to have my name remove from the deed in which I did my legal representation. In XXXX, I purchase my own home no credit issue. Well, in XXXX, I pulled my credit report from all XXXX bureaus and to my SHOCK Bank of America added it to my credit file. After 14 years it just popped up there. I immediately called BOA and no one could explain but advise me to write to the XXXX in which I did. I sent documentation that XXXX XXXX had to send a authorization so I could speak on the loan back in XXXX. I also mailed payment coupon and correspondence with only his name. My name was forged to the document on XXXX when the payment coupon was mailed. Bank of America forged my name to the document. They have also viewed my credit but never did an inquiry so it shows that I never applied for credit with them. This is going over year now and finally it was deleted from XXXX and XXXX at this time but XXXX is reporting inaccurately. I applied for credit and was denied due to this forged information placed by Bank of America. Bank of America have since transferred this account. But I need for them to update XXXX. Also XXXX would not let you continue to disputed a item online. I read from one of your consumer letter that they had the same issue. Seems every company treat you however. I 'm just trying to resolve this issue that has cost me a denial at know fault of myself.
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

2016-11-08

FL

Taking/threatening an illegal action

Debt collection: Mortgage

Threatened to sue on too old debt
Complaint: To Servicing Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Acc # XXXX Ref : Property : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NOTICE OF STATUS OF LIMITATION AND VOID MORTGAGE LOAN In response to your inappropriate, harassing and misleading letter of " Notice of Default '', dated XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX assert The mortgage is defaulted as a result of a failure to make payment as require by the Deed of the Trust of Mortgage ( Security Instrument ). Also, it threaten homeowner to foreclose, under fraudulent conditions intended to commit fraud and mislead. This Notice of Default has several violations : Be aware that you letter of " Notice of Default '' failed to establish the date that mortgage get defaulted. Our Records show that Mortgage was default on XXXX/XXXX/XXXX. It mean you are in violation of the Status of Limitation. Exhibit 1 As lenders know, XXXX has a five year statute of limitations for mortgage foreclosures. Threatened to sue me on debt that is too old to be sued on. XXXX XXXX XXXX XXXX, XXXX Notice of Default constitute a violation of Debtor Discharge. Bankruptcy Discharge prohibits against attempts to collect discharged debts, including lawsuits, demand letters and telephone calls. " The Default ... This letter is a formal demand for payment. '' Bank of America N.A started recently XXXX ( XXXX ) instant foreclosure action XXXX and XXXX style XXXX XXXX XXXX as Trustee that were dismissed. Those Wrong Foreclosure were brought using bogus, purported assignment and false billing statements to mislead homeowner and justice. Exhibit 2 On the fact, claims of fraud, the victim has the choice of seeking either to affirm the contract and claim money damages, or claim rescission. Therefore, a party seeking to avoid the obligation under loan documents must pursue a remedy of cancellation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX claim to act on behalf of its investors XXXX XXXX XXXX Trustee AND BANK OF AMARICA, with has been in criminal activities of fraudulent billing in connection of this disputed mortgage. Recently, Bank of America has closed all doors to correct and fix fraudulent over charges after transferring the servicing to XXXX, on XXXX XXXX XXXX for more than {$20000.00} dollars of fake charges. The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) XXXX XXXX XXXX XXXX XXXX, have also failed to produce/disclose the following information : 1. Release all charges regarding Acc # XXXX from XXXX XXXX, XXXX to XXXX, but not limit records of Attorney fees, legal charges of Foreclosure # XXXX, property inspections, maintenance and others charges. A third attend to foreclose and harass homeowner of the above property after XXXX ( XXXX ) dismissed previous foreclosure actions on XXXX and XXXX using purported and fraudulent Assignment Mortgage will be prosecuted. Also, any lawyer working on behalf of XXXX and its criminal activities will be reported to XXXX Bar. In other hand, Mortgage Loan on the reference above property was rescinded on XXXX, followings notice were given XXXX and XXXX to the servicing banks Bank of America, XXXX XXXX XXXX and XXXX XXXX XXXX as recorded in Official Record in XXXX County, XXXX. There is not mortgage to foreclose. For XXXX best interest and its " supposed investors '', it better XXXX and Bank of America return release Mortgage Loan and return the Note to the homeowner or pay for all damages cause for those malicious prosecutions falsely claiming third party interest. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
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

2016-11-08

Gastonia, NC

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

2016-11-08

Cheshire, OR

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

2016-11-08

El Paso, TX

Settlement process and costs

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