BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-07

Apache Junction, AZ

Can't contact lender

Consumer Loan: Title loan

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

2016-11-07

Burlingame, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: There was a mistake of my mobile transfer with Bank of America ( " BofA '' ), but BofA 's claims department refused to help me to recover my loss. BofA claim department has the worst customer service for wrong online transfer and they violate their commitments to customers. On the XXXX of XXXX 2016, I intended to transfer {$2000.00} to a family member through BofA 's mobile transfer. While the status of the transaction was settled on my account but the fund was not received by the family member. I immediately filed a dispute and fraudulent claim to BofA, and I was told the fund went to a wrong people 's account of XXXX XXXX on XXXX/XXXX/2016. And then, I found out the phone number was entered wrongly. There was XXXX number different from my receiver 's. On XXXX XXXX 2016, I received the letters from BofA about the status of my claim. The letters states that the transaction is under my instruction, I have to contact the other parties directly for further assistance. BofA 's claim department said that XXXX XXXX responded them that there was no enough fund to cover the return, so that they wo n't return the money to me. BofA refused to provide any information or detail of their investigation 's procedures of my case. I also asked if BofA is able to contact XXXX XXXX for further help or report to XXXX ( the mobile transfer company ) or the wrong account owner for me ; they firmly rejected my requests. Since they stop helping, I contacted XXXX XXXX and XXXX, both of them told my wrong transaction is a member bank transaction ; they could n't help me unless BofA report to them for further assistance. Then I contacted BofA claim department on XXXX, XXXX and XXXX/XXXX/2016 and went to their local branch on XXXX/XXXX/2016 for help. The claim department manager still rejected all my requests, and they even closed my case without my permission. BofA stated that since the phone number was entered mistakenly, they are not responsible to cover my loss or help me to get back my fund. I filed a complaint to their complaint department on XXXX/XXXX/2016, but no one from BofA has contacted me about the complaint 's situation by now. However, according to their policy, they commits that customer is not liable for fraudulent transfers or bill pay transactions made via online or mobile when the transaction are reported promptly. I reported the mistake to BofA four days after the transactions, and I provided everything I can, but they are not helping me at all. What 's worse, while all the parties including XXXX XXXX and the mobile fund transfer company suggested me that the only effective and efficient solution is BofA report my needs to them, BofA completely closed my claim without my agreement. Moreover, firstly, I strongly think BofA 's mobile transfer function is a big trap. The way to using BOFA mobile transfer is not designed well. When I created a new mobile transfer recipient, the phone number is only required to enter once. Since it is a mobile fund transfer, the phone number is the most important and only information they use, but why there is only required to enter once? BofA has a big mistake on designing the phone application 's mobile fund transfer. Secondly, there are receipt 's name and phone number required for doing mobile fund transfer. My {$2000.00} transfer was not appropriately settled or completed by BofA because the recipient 's name I entered does not match the phone number. Technically, this {$2000.00} mobile transfer should be invalid, and it should be automatically refund to my bank account. I attached the screenshots of the mobile transfer process to show you how it is operated by cell phone.
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

2016-11-07

Hillsdale, NJ

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

2016-11-07

Rocky Ridge, MD

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

2016-11-07

Victorville, CA

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

2016-11-07

TX

Transaction issue

Credit card:

Complaint: I believe that I have been taken for a ride in an online business scam. When attempting to report this I have been directed to your website and I am hoping that with your assistance I can dispute charges that were paid to companies for what I now believe is an online scam. I do n't think it is fair that I can not dispute charges over 60 days old and I have been advised that this 60 day limit is not applicable since these charges are not billing errors. Earlier this year and throughout this year I have paid a several companies for various products and services that have either not been delivered or are different from that which was described. The charges that I wish to dispute on my Bank of America card are {$900.00} and {$99.00} per month in a total of {$290.00} both charged by a company called XXXX.I tried to contact the company directly several times and they do not return my calls or answer my calls.
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

2016-11-07

South Florida, FL

Credit determination

Credit card:

Complaint: In XXXX, I opened a Secured Credit Card with Bank of America of XXXX dollars, I used it properly and I always made the payments on time. In XXXX, I decided to close it because I had some inconveniencies with this Bank and they did not informed me that I had to pay some extra fees for using the Secured Credit Card. They did not educate me on managing the Credit properly and did not inform me neither that I had to pay some fees. After a month, I paid what I owned, it was not more that XXXX dollars but they had already reported me to the Credit Bureau and it is affected negatively my Credit. Last year, they sent me letter in which they said, I do n't own anything to Bank of America but I need to get this removed from my Credit Report, please!
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

2016-11-07

IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: I had a mortgage with BOA. The Loan was paid off in XXXX 2014. BOA is reporting that I am 90 days late in XXXX of 2014. I could not have been late in XXXX of 2014 when my loan had been paid off in XXXX of 2014.
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

2016-11-07

Nutley, NJ

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 explanation

Disputed: No Timely Response

2016-11-07

De Soto, IA

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 non-monetary relief

Disputed: No Timely Response

2016-11-07

Niverville, NY

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

2016-11-07

Atlanta, GA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I was expected to received a payment XXXX which was deposited on XXXX XXXX in which the funds were immediately available. I withdrew the funds and on XXXX XXXX the checks deposited began to bounce. I then found out there was a counter credit for XXXX {$1000.00}, XXXX XXXX checks with my name and fake signature attachted. The funds are no longer in my possession and I can not believe Bank Of America let the checks be deposited without checking signatures or placing any type of holds.
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

2016-11-07

Brooklyn, NY

Rewards

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

2016-11-07

Fort Russell, IL

Other

Credit card:

Complaint: My daughter is an authorized user on my Bank of America credit card. She is only an authorized user, not financially obligated. She recently applied to refinance her home. When her CBR was run, her score had dropped significantly due to B of A reporting the balance I carry on her credit report as if she was carrying the balance. We had not authorized B of A to report on her CBR, my balance was shown on her report thereby violating my privacy ( I did not want my info for other 's to review on her report ), and the resulting drop in her score resulted in a XXXX basis point increase in her refinance rate ( which will cost app {$50000.00} over the life of her loan ). I addressed this with B of A through a number of channels, was initially told they ca n't do anything, then was told it was up to the CBR ( which I called and they affirmed they were only reporting as B of A submitted ), then was told I need to remove her as a user but her report would then show as account closed. I then submitted a complaint and finally was told they would remove the info from her CBRs, but it will take 60 days. She really needs to refinance now ; because of B of A her rate is higher, B of A should not have reported this on her CBR, should not have disclosed my info on her CBR, and should have not either lied or given me incorrect information through a rep, the rep 's supervisor, that supervisor 's supervisor, and finally the dept answering my complaint. This is a serious, and costly, breach of information sharing both for my daughter and me.
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

2016-11-07

CO

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I had my Bank of America XXXX card denied at XXXX websites. So I tried to call BOA 's card services number on my card. I have done this before and contacted an agent in minutes. For the last several days I have been told the wait time is over 3 hrs!!! After 30 minutes given option to have then call you No one ever calls. I go online to check my account status. No info on denied transactions. Option to talks online. given a code and number to call to enter code to get online. Call number and no option to enter code or talk online. Just again option to wait 3 hrs. If I have a fraud situation no way to report it!!! I in the past get call about unusual purchases. Since I travel a lot I would get calls all the time. Are their laws requiring response times? If not I will ask XXXX to initiate legislation at both state and Federal level to guarantee acceptable levels of customer service for the banking industry!!!
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

2016-11-07

TN

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: i took out a student loan in XXXX for {$8000.00} from XXXX. after paying on this loan i still owe {$7200.00}. i filed bankruptcy in XXXX and was told could not file this loan because it was a student loan. am XXXX now and on fixed income. told could not do loan forgiveness because it was a private loan through Bank Of America. i have paid a total of {$7400.00} which all but {$200.00} went to finance fee, late charges, and something called int capitlztn. what can i do about this problem? can you help me with this. i have paid for 10 years and can not do it anymore due to my fixed income ...
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

2016-11-07

Maiden Rock, WI

Credit card protection / Debt protection

Credit card:

Complaint: I was moving to in XXXX of 2016 XXXX and on the way there I got a call saying my card was being used XXXX where I used to live. I told them it was not me and to cancel the charges. come to find out the canceled them then put them back on my card with out telling me. XXXX of my purchases on the way XXXX was a Hotel room XXXX a day before the first fraudulent transaction happened. I was clearly not any where near XXXX when those purchases were being made and bank of america refuses to accept my claim.
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

2016-11-07

Vicksburg, 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

2016-11-07

N Milford, NJ

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: No Timely Response

2016-11-07

Titusville, 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

2016-11-06

Torrington, CT

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

2016-11-06

Taft, OH

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

2016-11-06

Alpharetta, GA

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

2016-11-06

Agua Dulce, CA

Deposits and withdrawals

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

2016-11-06

Oxford, GA

Transaction issue

Credit card:

Complaint: I recently paid XXXX of my maximum credit card balance through Bank of America posted to my account on XXXX/XXXX/XXXX. The funds were directly deposited from my " XXXX Bank account '' through an electronic ACH transaction. According to " Regulation CC '' set forth by Federal reserve under the " Expedited funds availability act '' of XXXX. XXXX Funds should have been available on the " same day '' of the transaction. I attempted a credit card transaction on XXXX/XXXX/XXXX, XXXX business days later & the card was declined. Upon contacting BOA on the issue I was " continuously '' lied to about the funds lack of availability. A BOA credit card annalist stated that they only had to post the deposit to my account in order to be in compliance with the regulation. He indicated the bank had a right to place a Hold on my account for XXXX10 days for fraud analysis, " REALLY '' in a commercial electronic ACH Bank to Bank transaction. Not withstanding this " deplorable '' action prevented me from caring out important time sensitive financial transactions. BOA has long standing reputation for deceiving their customers, for " wind fall profits '' based on a long standing pattern of funds manipulation. " & unwarranted charges on customer accounts. This Pattern of behavior warrants an investigation of the Banks practices with all the appropriate fines and penalties..
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