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 1022
2016-11-03
Ft Trumbull, CT
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
2016-11-03
Fort Worth, TX
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt was discharged in bankruptcy
Complaint: I filled Bankruptcy and Included a credit card within the Bankruptcy which was successfully discharged, however Bank of America places a Judgment on my credit for that debt which was discharged. I need the judgment removed from my credit and the issue rectified on Bank of America System of record to show this was discharged. I have contacted BOA several times by phone and in writing and have been Ignored. please review the correspondence I send to BOA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
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
2016-11-03
Point Arena Air Force Statio, CA
Application, originator, mortgage broker
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
2016-11-03
Seattle, WA
Account opening, closing, or management
Bank account or service: Checking account
Complaint: When I first signed up for Bank of America card, they gave me what was called " XXXX XXXX for Students ''. They told me there will be NO monthly fees, NO yearly fees, NO restrictions of how many deposit I should make, and NO HIDDEN FEES, that is what I signed up for. I noticed in past few years that my checking account amount continues to decline, but I never could figured out why. When I noticed my checking account goes into negative outstanding balance, I decided to do investigating and found out that BOA has been deducting hidden monthly fees {$12.00} of what they called " Monthly Maintenance Fee '', which also caused overdrafted because of this monthly maintenance fee which caused my balance goes into negative. I immediately called BOA today, got transferred three times while explaining to three different agents, and finally transferred to higher-up supervisor name " XXXX, in PA XXXX '' XXXX PST on XXXX XXXX, XXXX. She acknowledged that I signed up for XXXX XXXX, she explained it 's no longer exists in BOA, and that after 5 years of XXXX XXXX, it will become " normal account '' due to age or no longer as a student. I told her I never knew about this, I was never notified, and I never opt-in for this new policy from " XXXX into Regular Account '' after five years, I demanded where is my opt-in agreement and she could not provide me XXXX. She acknowledged that I have not opt-in for this new change on my XXXX XXXX XXXX account, she said " the best I can do is give you back three months of {$12.00}, which means you will get back {$36.00} ''. I demanded full refund because I never opt-in for this new change policy, never submitted to monthly maintenance fees. She said her hands are tied, but she 'll submit my report case to much higher up in the Bank of America Corporation. I told her I will file complaint to Consumer Finance Bureau, she said I should do that too as well, because her " hands are tied ''. She repeatedly tells me that the best she can do is give me back three months worth of Monthly Maintenance Fee ( total of merely {$36.00} ). They started deducting this hidden fee since XXXX, I calculated to total of {$490.00} they took me! It 's no wonder why my checking account continues to decline, I demanded full {$490.00} refund, and she said to file CFPB report because there 's nothing else she can do for me. She probably thought I wo n't do it, but I know my rights!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
Northridge, CA
Credit determination
Credit card:
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
Colo Spgs, CO
Improper contact or sharing of info
Debt collection: Other (i.e. phone, health club, etc.)
Talked to a third party about my debt
Complaint: This debt is a bounced check with Bank of America. It is seven years old and I am wanting to know the statute of limitations for them to sell and ask for this debt of {$300.00} to be collected. Is it too old for me to respond to, did they sell it to a third party that is trying to ask for payment when it should be charged off permanently?
What happens since my purse, social security card, birth certificate and passport and drivers license was stolen in 2014? How do I prevent myself from being stocked financially by a person knowing my personal information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
Deerfield Bch, FL
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
2016-11-03
NY
Loan modification,collection,foreclosure
Mortgage: Home equity loan or line of credit
Complaint: This is a dispute to our CFPB complaint case # XXXX originally submitted XX/XX/XXXX. Response received on XX/XX/XXXX from Bank of America is not satisfactory as the bank is not explaining why the property did not qualify for a line of credit extinguishment under the Department of justice settlement with Bank of America of XX/XX/XXXX. All other properties owned by us qualified with no special request from us. We are not understanding why the Bank of America is collecting from us as the property in question was surrendered under chapter XXXX bankruptcy in XX/XX/XXXX. The bank advised that they will proceed to foreclose the property unless payment in the full balance due is sent to them. The attached letter further explains our dispute with Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
Federal Way, WA
Credit decision / Underwriting
Mortgage: Home equity loan or line of credit
Complaint: Finally, after several years of hard work we are finally able to refinance several of our loans. XXXX was a condo, XXXX was a XXXX Plex and now the third is a rental property. There is a first mortgage owned by XXXX XXXX {$45000.00} in which I want to add {$22000.00} to make it a {$72000.00} loan. The HELOC owned by Bank of America at {$97000.00} is the problem because they will not allow subordination. The reason is I just spent {$22000.00} ( I have receipts ) on new siding, new roof, new gutters, new deck as it was original from XX/XX/XXXX and XX/XX/XXXX. In other words, it was a needed repair and it also helped increase the value when I received my appraisal. The lender I used saw no problem with getting my savings returned as she has been in the business for 15 years and has not been turned down. I even called several banks and Bank of America verifying this and they said I would be able to qualify for a loan. There are several reasons Bank of America should approve our loan : This loan was purchased as a rental and the HELOC was secured as a rental. It has been owned for 10 plus years. It has a low loan to value ( Equity {$100000.00} ) Never in 30 years have we been late on a mortgage payment. {$22000.00} was spent on property which helped increase the value and it 's located in XXXX. We have been a solid Bank of America customer for 30 years. Good credit score XXXX. No credit card debt or car payments. Recently refinanced a condo and XXXX plex. I 've been approved for this property to refinance and we are in a time sensitive lock and Bank of America has given us every excuse ; verbally told to me, 'its a rental ' 'and 'they do not do subordinations on rental properties '. I find this hard to believe. The fact that they have a Subordination Department means that they can do this and we have plenty of equity for Bank of America to approve our subordination. Not only that, we have been their customer for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
Brooklyn, NY
Other
Credit card:
Complaint: i have disputed the info on my credit report with the credit card company for which they signed for on XXXX/XXXX/2016.. According to the FDCPA the credit card company is required to put a notice of dispute within 30 days. However when i checked my reports on XXXX/XXXX/2016 i saw that they failed to place a notice of dispute. I have already sent a letter to the credit card company regarding their violation and as of today they still have not removed the negative account from my report.
This is my final goodwill attempt to clear this up out of court and without monetary compensation. If the credit card company does n't remove the negative accounts in a timely fashion i will sue them in small claims court nearest to me. I will request {$5000.00} as i have already outlined in my letter.
I am attaching now the letter i have sent them and also a copy of XXXX credit report where you see their negative account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
Glendale, AZ
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
2016-11-03
Disclosure verification of debt
Debt collection: Other (i.e. phone, health club, etc.)
Right to dispute notice not received
Complaint: company illegally reporting debt that is not theirs and is not original debtor as well as is out of date for reporting as well as is debt that was illegal bank charges for debt card purchases under XXXX charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
Bohemia, NY
Arbitration
Credit card:
Complaint: On XX/XX/2016 I paid with my Bank Of America credit card ending in XXXX a down payment for a car to XXXX XXXX NY XXXX I had that car on lease and was trying to purchase the same car, the car was repossessed a day before on XX/XX/2016, they give me a sales contract for that particular car but they never delivered the car to me I cancelled the transaction after waiting 20 days for the car and the dealer never give me the car, I cancelled the credit card transaction and now I got a letter from the credit Card dated on XXXX saying that there is no documentation to support that we did not received the car I already purchased another car somewhere else, I do not think that I have to paid for a scam and a breach of a contract
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-03
Huntsville, AL
Transaction issue
Credit card:
Complaint: On XX/XX/XXXX16, I went online to initiate a monthly payment of {$41.00} to my Bank of America credit card. On XX/XX/XXXX16, BOA debited {$1400.00} out of my checking account and I received an alert that my account now had a negative balance. I contacted BOA customer service immediately and was told they would keep the intended {$41.00} payment, refund my checking account the difference of {$1300.00}, and that this would take 48 hours to get this completed. It has now been 9 days and the funds have not been transferred back to my bank account. The balance of {$1300.00} was placed back on my credit card XX/XX/XXXX16, but as of today, XX/XX/XXXX16, it has not been refunded to my 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
2016-11-02
New Albany, IN
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
2016-11-02
Davie, FL
Making/receiving payments, sending money
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
2016-11-02
Val Verde, TX
Loan modification,collection,foreclosure
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
2016-11-02
Ramona, 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 non-monetary relief
2016-11-02
Bertha, MN
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
2016-11-02
Wilson, NC
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
2016-11-02
Las Vegas, NV
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
2016-11-02
Pinellas Park, 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 monetary relief
2016-11-02
Atl, GA
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
2016-11-02
Trenton, NJ
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