BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-06

Cucamonga, CA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I was charge {$670.00} for an appraisal fee to obtain a mortgage refinance from Bank of America. After 1 day, I cancelled the loan request and requested a refund. After 8 days, the loan was finally cancelled, but only a total of {$460.00} was refunded. Bank of America retained {$210.00} of unearned funds. No appraisal was performed or scheduled.
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

2016-11-06

Rochester, OH

Balance transfer

Credit card:

Complaint: Bank of America charged interest even though I paid the non promotional balance in full. When I took the promotional transfer they explained that the minimum payment would be allocated to the lowest finance charged balance, in this case the promotional transfer. Therefore I would have to pay the minimum balance plus the entire activity balance in order to avoid paying interest. They claimed to disclose that if I used the card for purchases that even if I paid the minimum plus the monthly activity in full that I would still be subject to {$1.00} minimum finance charge. I do not believe that this notification was made to me. How could I understand the intricacies of how the payments are allocated and not understand that if I chose to use the card while I have a promotional balance that I would pay a fee regardless of paying of the monthly purchase balance in full. I can no longer use this card for purchases without incurring a minimum finance charge of {$1.00} as long as a have a promotional balance.
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

2016-11-06

PA

Settlement process and costs

Mortgage: FHA mortgage

Complaint: Bank of America provided me with an Estimated Loan and Closing Disclosure that was extremely inaccurate and may cause me to lose the purchase of a property. They did not notify me until just hours before my scheduled closing to inform me of the error and it was only after I had made several calls and sent a few email messages for an update. The bank did not provide the correct initial tax escrow amount when advising me of my estimated closing costs which left me several thousand dollars short of being able to close. The poor responsiveness and lack of consideration I 've received from the bank mortgage broker and his manager since this happened is very disappointing. They are well aware of their error and have yet to take responsibility and offer a reasonable resolution. The only offer I have verbally received from the bank is to come up with approximately 40 % more cash to close.
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

Shalimar, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: XXXX XXXX Services is continuing to contact me to attempt to collect on a Bank of America Credit card that was settled through a different collection agency. I let them know that it has been paid and have requested further information on them on a couple different occasions, but they have not supplied any more information other than continual collection notices to collect this paid debt. The following email confirms this debt has been paid, and I have disputed the credit bureaus and have it thus noted with them as well. " From : XXXXXXXXXXXX To : XXXXXXXXXXXX CC : XXXXXXXXXXXX ; XXXXXXXXXXXX Date : Wed, XXXX XXXX XXXX XXXX XXXX Subject : RE : XXXX, XXXX. vs. XXXX XXXX XXXX XXXX XXXX, My office did file the attached satisfaction of the above judgment with XXXX XXXX XXXX XXXX back on XXXX XXXX, XXXX, and judgment was satisfied by the court per the attached court website. My office does not have record of a lien ever being filed in regards to this matter. Therefore, nothing was ever filed with the XXXX Court. The account has also been reported to our client as settled. Please let me know if you need any further information. Sincerely, XXXX XXXX XXXX, XXXX. XXXX and XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX * : XXXXXXXXXXXX XXXX : XXXX, ext. XXXX : XXXX ( fax ) *Licensed XXXX and XXXX XXXX '' Any help or direction you can give me to get this cleared and off my record is greatly appreciated. XXXX XXXX Services has not communicated with me to resolve, only to continue to collect this paid debt.
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

2016-11-06

IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On XX/XX/XXXX, I received my XXXX file. File number XXXX. What was reported by Bank of America, my mortgage loan was that I have a Fixed Rate Mortgage. It was reported twice. The first date it was reported was on XX/XX/XXXX as a Fixed Rate. The second date was reported on XX/XX/XXXX. First and foremost, I have not refinanced my mortgage with Bank of America. My loan was bought when Countrywide Home Loans was purchased by Bank of America. I have never had a FIXED RATE MORTGAGE with Countrywide Home Loans or with Bank of America. I have a 30 year Conventional Adjustment Rate Mortgage. I have taken pictures of what was reported to XXXX. Additionally, I 've taken a picture of my latest mortgage statement that shows I have a 30 year Adjustable Rate Mortgage, that is affiliated with the one year Libor. My mortgage rate is adjusted every year. My new monthly mortgage payments change on the first month of XXXX of every year. Please investigate this matter thoroughly. As I do think Bank of America was colluding with XXXX and XXXX. My Bank of America Account number is XXXX. My XXXX Equity Line of Credit number was XXXX. My XXXX Account Mortgage Account number was XXXX. I, honestly believe I 'm a victim of Libor Rigging Scandal. Or a victim of Credit Debt Swapping.
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

Closing/Cancelling account

Credit card:

Complaint: I have been a cardholder with FIA Card Services ( and its predecessor organisations ) since XXXX. I have been a loyal and good customer for the thirteen years in question. I have used the card service regularly and have always paid my outstanding amounts owing on time and in full. I have never complained nor caused any problems for the company. On XX/XX/XXXX, a transaction that I had attempted was declined. As such action had happened from time to time before then, I called customer services to query what was going on and to get my account cleared to be able to use the card. I had assumed that a call would sort out the problem quickly and easily as had occurred on previous occasions. On XX/XX/XXXX I was advised that FIA Card Services decided unilaterally and without any advance notice to me to close my account with no recourse to any review. The customer service representative simply told me the account was closed, she did not have any explanation for this, she provided a contact number for the account closure department and, upon calling the number, a recorded message stated the account was closed " for business reasons '' and that the decision was final. My wife ( also a card holder ) did talk to an agent on XXXX in the account closure department ( as I was travelling ) who advised that we would receive a letter to advise of this decision and the agent restated that the decision was final.
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

Houston, TX

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: It has been more than one year since contacting you requesting help with my incorrect ending balance at bank of america who is the servicer of my home loan. I have tried unsuccessfully numerous times to refiance my mortgage loan dating back to 2013 first with bank if america then next with XXXX. BOth banks will not close my loan unless I pay a balance that is incorrect. Bank of American has added to fixed 30 year monthly payments and ending balance incorrect forced insurance, late fees. Reported too all Credit reporting agencies my loan as being late over the past twelve m onths. Impacting my credit reporting scores to be too low to obtain another loan. MY current rate is XXXX plus. I have lost out on over three years of XXXX to XXXX per month in loan savings
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

CO

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: Bank of America hit me for a missed payment back in XXXX 30 days late then XXXX 60 days late in 2014. I never missed a during that time we were working with bank of America to restructure my loan and the full payments sent were said they put the money in a trust and pulled from the trust each month to make the payments. For some reason XXXX and XXXX and XXXX and XXXX show on my report as no report from bank of America but in XXXX and XXXX they show no payment and counting it as 60 days late when the math does not add up. if the math was correct then I should have been way more then 60 days late. I have never had a missed payment with any account I have in the past 10 years or longer.
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

2016-11-06

FL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I want to submit a complaint for Bank of America I used to be a customer I think I 'm no longer a customer since XX/XX/2016 due to some fraudulent done to my account. What happened was I applied for a long-term loan at home and I was approved for {$1500.00} not knowing that these people who I applied for a loan never existed. On the day that it happened I looked into my account and I saw that I was overdrawn {$460.00} I panicked so I went down to one of the branches I will need to speak to a loan officer but she really was n't any help she told me I had to call the claims department and Recovery, to find out what was going on they told me that there was XXXX checks deposited into my account by XXXX XXXX check was for the amount of {$360.00} and the XXXX was for {$280.00}. But nevertheless I have been trying to deal with these people I 've been calling and trying to talk to everyone and anyone in the recovery and claims department but they 've been pointing fingers at me saying that I 'm a thief I 'm not the victim. But I did report this incident the same day I found out what had happened to the police department then they assigned a detective on the case I also call the FBI in XXXX Florida and reported the issue I was advised to call the credit bureau. This is been going on since XXXX nobody 's returning my calls like they said they would call me back they close my account they flagged me down I 'm high risk. I also reported this issue to the Federal Trade Commission of fraud they also told me to call the Consumer Financial Protection Bureau and I 'm waiting for them to send me some forms so I can fill out and send them back so they can investigate. I told the bankers that I was going to go ahead and get an attorney to help me fight this because I will not let them slander my name will report me for fraud and not be able to open a bank account anywhere I 'm the victim not the thief and not because I applied for a loan online. Supposably these people that I apply for a loan they transferred XXXX checks into my account with an XXXX it had my name on the back of the checks and it was n't my signature at all and these checks came from out of state XXXX different companies. I need someone to help me get this resolved.
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

Colo Spgs, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I refinanced my mortgage loan that was with Bank of America XX/XX/2016. My loan was paid in full on XX/XX/2016 by new lender. Bank of America has provided any documents regarding this pay off or has failed to send me deed of trust document and most important to is my Escrow refund. Every time I called they say that they have mailed my check in amount of such but to this date I have not received anything. They said to put stop payment on the one they mailed and send me another check by express mail but that has not happened yet and now it is XX/XX/XXXX. They failed to refund my escrow money and no action has been taken to resolve this issue by them. I had made one extra payment while refinancing was being processed to be current on my payment date so that it does n't affect my credit score. They have not refunded me that either.
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

2016-11-05

Quartzsite, AZ

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

2016-11-05

Statesboro, GA

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

2016-11-05

Discovery Bay, CA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: This is my second complaint against Bank of America for NOT reporting my Mortgage Payments to all XXXX Credit Bureaus. The first complaint Case No. XXXX was closed out an error by CFPB. XXXX XXXX/Resolution Specialist with Bank of American requested more time to respond to CFPB. However, XXXX XXXX failed to responded back to ANY of my inquires regarding an update as to why my Mortgage Payments were NOT present on my Credit Report. I made several attempts to reach XXXX XXXX with Bank of American and received complete SILENCE ... NO RESPONSE back to my many inquiries regarding this matter. On XX/XX/XXXX, I contacted Bank of America and was transferred to several individuals. I asked to be connected to XXXX XXXX Supervisor and I was told by that party that they did not have his Supervisor 's contact information, so she transferred me to a lady by the name of XXXX in the Bankruptcy Department. I was informed by XXXX that Bank of America has been reporting my ACTIVE MORTGAGE since XX/XX/XXXX to all XXXX Credit Bureaus but that it is the CREDIT BUREAUS POLICY ; XXXX, XXXX, XXXX AND XXXX XXXX POLICIES NOT TO REPORT ANY MORTGAGE PAYMENTS THAT WERE INVOLVED IN A BANKRUPTCY, THUS VIOLATING MY 5TH AND 14TH AMENDMENT RIGHTS. AND HAS FAR REACHING RAMIFICATIONS TO ALL CONSUMERS WHO WERE IMPACTED BY THE XX/XX/XXXX MELTDOWN AND WERE ABLE TO SURVIVE AND HOLD ON TO THEIR ASSET! This unlawful act in my opinion is in COMPLETE VIOLATION OF THE FEDERAL FAIR CREDIT REPORTING ACT.
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

2016-11-05

Wonder Lake, IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: My first attempts at contacting Bank of America occurred the morning of XXXX/XXXX/16 to report fraudulent activity of deposits and withdrawals taking place on my bank checking account that resulted in a loss of {$2200.00}. After an hour on hold, being transferred, and speaking with XXXX different reps ( XXXX of whom told me the fraudulent activity occurred with an ID through a teller, NOT an ATM ) only to be told I would be transferred again, I ended the call and decided to go into a branch directly. I spent almost an hour and half in an office with a representative who called the same exact number I had already been dealing with earlier. This time I was now being told the activity occurred through an ATM, ( and I had questioned this multiple times, considering what XXXX other representatives I spoke with earlier on the phone had said to me - which was that this was NOT through an ATM, but through a teller ) so XXXX claims were filed and I was advised my debit card was cancelled and my account was flagged for fraudulent activity and would be monitored to prevent further unauthorized deposits and withdrawals from happening. I was also informed that the temporary funds in the amount of {$2200.00} would be returned to my account today while the investigation was being completed. Later in the night of XXXX/XXXX/16, I happened to check my account to see if the temporary funds in the amount of {$2200.00} that the phone rep advised me would be added to my account had been added, but much to my surprise found they were n't and that a fraudulent {$500.00} deposit was made and an additional {$1200.00} more had been taken from me through a withdrawal that was unauthorized. That is now a total of {$3400.00} I am missing. I spent another hour plus on hold and on the phone the night of XXXX/XXXX/16, only to be advised that another claim had to be filed and that there was nothing more anyone could do since all other departments were now closed. I was now told to call back, again in the morning, " as soon as I get up '' to speak to another department and was advised that my card had n't been cancelled. Also, this rep once again told me that this activity is NOT being done through the ATM machine, but through a teller in the drive thru. As stated above, while at the branch earlier today, I questioned being sure the activity I reported was actually done through my ATM card, multiple times, considering what XXXX representatives this morning had told me, which was that it was done with an ID through a teller. I am the XXXX at my place of employment and can not tell you how disappointed, no, disgusted I am about my experiences with Bank of America, all in one day. Within a 13 hour period, I have spent almost 4 hours of my own time dealing with XXXX different Bank of America representatives and not XXXX has been able to accurately address the fraudulent activity that has occurred nor prevent it from continuing to occur on my account. I have been a customer of Bank of America for 10 plus years holding multiple accounts with this company and am appalled at the handling of my issue and lack of service provided, leaving me with absolutely no faith in them continuing to hold my accounts.
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

2016-11-05

Harrisburg, PA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: This is a summary of what happened after I submit my complain with case XXXX a lady ( name and phone # is known to me ) from Bank of America called last Thursday XXXX and she told me that they send my check, the subject of the complain, on XXXX XXXX And I should get it by next week, I went to the Post office and requested a hold to my mail in the post office just to avoid the excuse of not delivered. chickening the mail in the post office turn down to no mail from Bank of America received. I called her and informed her about the situation. Today Saturday XXXX I got a voice mail message, when I called and talked to a supervisor by name XXXX she informed me that check had been void and new check issued in XXXX XXXX and it will be with me within 7 or 10 day after she checked the address. this thing has been going on for 48 day up to day and they keep repeating the same thing for the third time expecting different result. Sir, Madam, this matter took long than it should and add a lot of hardship over the ones already there .Please looking for help and I do not see any coming, Your advice is highly appreciated
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

2016-11-05

Coconut Grove, FL

False statements or representation

Debt collection: Credit card

Attempted to collect wrong amount
Complaint: My debit card was stolen on XXXX 2010 and was reported to bank of America suddently. Now i have in my public record a judgement ( Bank of america ACCOUNT XXXX Court XXXX cnty reg mi, Filing Date XXXX XXXX, 2010 Amount {$14000.00} ) that is damaging my credit and my life, making impossible to me get credit from any bank agency. i can understand how they paid that amount in a fraudulent transaction if i only have in my account {$200.00} at that time when my purse was stolen with all my documents and was reported inside the bank premise. Please I want your assistant in this matter to solve it once for ever. Sincerely 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: No Timely Response

2016-11-05

Elk Grove, CA

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

2016-11-05

Las Vegas, NV

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I am currently using BOA 's merchant services for my online business. They are currently holding an order that is about {$2500.00} because they need to check it for fraud they say & it should only take an additional 24 hours. Well it has been a week and they are still holding the money but they took it out of the customer 's account but not transferring it to me. That makes no sense. So the customer is wanting their item and upset they have been charged for it already but I ca n't ship their product until I get paid. BOA assigned it to a security rep that checks for fraud that is supposedly on vacation because she has n't been to work the entire week. All BOA tells me is that I have to wait. This affects my business and reputation. Im sure BOA would n't do this to a large store. They are taking advantage of a small business and that is not fair.
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

2016-11-04

Federal Way, 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

2016-11-04

Lithonia, GA

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 non-monetary relief

Disputed: No Timely Response

2016-11-04

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

2016-11-04

Carlsbad, CA

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

2016-11-04

Broadview, IL

Loan modification,collection,foreclosure

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

2016-11-04

Saint Petersburg, FL

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

2016-11-04

N San Juan, CA

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 explanation

Disputed: Yes Timely Response