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 1024
2016-11-02
Torrance, CA
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
Laurel, 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 explanation
2016-11-02
Wesley Chapel, FL
Unsolicited issuance of credit card
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
2016-11-02
Franklin Lks, NJ
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: A Home Equity Loan that we have with Bank of America since XXXX and expires in XXXX, I found by accident, through a Credit report, that Bank of America closed the account. When I inquired why the account was closed, they claim that they have a letter from me asking to close the account, we never submitted such a request. I asked for a copy of the letter that they claim that they received from us, they said that they can not find it!!
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
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
CA
Account opening, closing, or management
Bank account or service: Checking account
Complaint: I went into the Bank of America branch in XXXX, CA to inquire if my direct deposit was added to my account and if it would make sense to change it to a different type of account, before I knew it the account was changed. I was not eligible for a direct deposit account nor did I authorize the change, I was merely inquiring about the different type of accounts they offered. The criteria for the direct deposit account was either {$250.00} as a single deposit or a {$1500.00} daily balance, neither of these fit me and I was not informed of this prior to the change. The bank then told me my eBanking could not be reinstated. I contacted the branch manager the following day in person and also contacted XXXX XXXX at the Customer Service line in XXXX County, CA to correct this error, to no avail. The new changed account now has a monthly {$12.00} fee to maintain the account, so there was no prior notification of this and now I must close my account immediately in order to not have to pay this monthly fee. I want to emphasize that I never gave authorization to change my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-02
Swiftwater, PA
Other
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
DE
Rewards
Credit card:
Complaint: I took out my Bank of America credit card to pay all of my wedding expenses, with the expectation that I could pay it back after my wedding ( from the 0 % 12 month APR ) plus get a small cash back bonus from my purchases. I 've used the card for over {$5000.00} worth of wedding expenses, and have XXXX points. I am getting ready to pay off the card now that my wedding is over, and I am trying to redeem the points.
When I took out the card, I was mislead to believe that the rewards acted as cash back. I did n't realize that the rewards were to be used to credit travel expenses only. I called BAC several times to try to redeem the points ; ticket # XXXX was created to have my points redeemed for full cash value as a one time courtesy due to this confusion, which equates to {$270.00} ( vs. the 60 % or so that was originally quoted to me ). Then, when I called in today, I was told that they can not honor this redemption at all.
This is a great example of a credit card company offering a misleading, hard to use reward system. I entrusted BAC to help pay for my wedding and was lured in by a ridiculous, misleading reward system.
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
Leeton, UT
Billing disputes
Credit card:
Complaint: I had setup my credit card account with Bank of America to AutoPay and it was working fine for several months. Suddenly, the minimum payment amount increased due to a promotional period ending. The AutoPay did not adjust the payment amount so it did n't make a full payment. Now, Bank of America has a delinquency mark on my credit report that says that payment was over 30 days past due. They refuse to correct it, saying that it was my fault that I did n't make the full payment. Their site is very misleading about how AutoPay works and I firmly believe that they are at fault here - why should I be punished for this??
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
Brawley, CA
Using a debit or ATM card
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
Denhart, IA
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
2016-11-02
Patterson, MD
Deposits and withdrawals
Bank account or service: Checking account
Complaint: I am in attempt of XXXX XX/XX/XXXX and my recruiter told me that The Administration job I got in the military, I should start till I went to XXXX.So as usually I used to apply for a lot of jobs every day and some employers email me for interview schedule on phone or in their office.So one of those days, I got as usual an email saying that I have been schedule for an interview that they were interested in my resume that I should report to XXXX XXXX the Hiring manager for online interview to get in the process.They gave me her XXXX and that I have to join her on ''XXXX '' for the interview.I join her and we start discussing about my experience, the company, their goals, my assignements like accountant in the company.They said that they are XXXX XXXX XXXX XXXX ( XXXX ) that they are implanted in XXXX , Usa and wanted to open a new branch in XXXX.That they look for a great team member to enlarge their company and I have to work at home XXXX to XXXX for XXXX $ per hour.But a training of 3 days XXXX $ per hour will be provided.So the company will send paycheck to their employees for equipment material purchasing like accountants softwares ...
Then, I made the interview and said they will send pay check and will recommend me a vendor for the software equipments.They said I should work at home but my supervisor will send me field trought email and I have to work on it and send it back before XXXX of every day.That their new branch will be open in XXXX in XX/XX/XXXX.
Fore someone like me who moves to Use 3 months ago and after several attempt of getting a job of my educational Skills or any kind because I have to pay my rent room in few days and send money back to my wife who is XXXX.I was very glad to find finally a job but to be true, I went on website and check if it is possible to work at home for a company and get paid.And it was right and I thought I was lucky after several prayings but Perhaps, I can not imagin that I will be Robbed.So they send Paycheck by XXXX 3 days after with instructions to go and make a deposit in my account and send them proof of deposit.It was my first time to deposit a check of XXXX $ .My first time to deposit a check was XXXX dollars when I worked 1 week for a XXXX but they took a lot of time to schedule me again and Iet them.So that day I take XXXX dollars in cash.Then with that check of XXXX $ .I thought it was the same.I went to my Bank of America for a deposit.I expect that the money will also be available as usual but the banker said they will put XXXX available and the rest XXXX available 2 business day after.So I report to the hiring manager who interviewed me and they said that I should start early so that when the bank will put XXXX dollars available, they will send me the vendor information XXXX XXXX so that I make a partial payment while waiting for the rest of the money be available.That I will make it trought XXXX XXXX.I create XXXX XXXX account and make the payment.On XX/XX/XXXX, I login my account and realise the bank make the check turned and apply fees.So they take away the XXXX $ they put available on XXXX/XXXX/XXXX.
XX/XX/XXXX the date the bank said to put available the rest of the money XXXX $ .I login my online account it was locked and closed with a due of XXXX $ in my checking because before the deposit I 've only XXXX dollars in my account and that XX/XX/XXXX I pay my credit card due of XXXX $ .it rest XXXX days after the bank send me a letter that they will report me to other instituition and not be able to open an account in Usa up to 5 years.I went to the police and report it because It was so crual.I was victim and by the bank 's fault.They had to check the avaibility of the check before and avoid me to get in trap.May be the Bank knew but just for them a way to get me charged and earn money.We can trust our bank to protect us.very sad.HELP!
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
Fairburn, GA
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
Cordova, TN
Problems caused by my funds being low
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 monetary relief
2016-11-02
Catalpa, VA
Loan modification,collection,foreclosure
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
2016-11-02
Kansas City, MO
Settlement process and costs
Mortgage: Conventional fixed mortgage
Complaint: My sister and I recently purchased a house and we were pre-approved by XXXX XXXX with Bank of America for up to {$380000.00}. Working with XXXX was challenging as he repeatedly asked for information that we had already submitted to him. His poor time management and unorganized behavior were inconvenient and irritating, but that is not our complaint. Our real complaint is that he attempted to mislead us and have us sign new paperwork for our loan on the Friday before our Monday closing date. Our closing date was set for XXXX XXXX, 2016, but on Friday XXXX XXXX XXXX called my sister and told her he needed her to e-sign some additional paperwork immediately. She asked why and he indicated it was something he had forgotten to have her sign. He even offer to meet her at our residence to have her sign all the new forms. What he did not explain was that he had removed my name from the loan and was going to issue the loan solely in my sisters name. We obviously both wanted to be on the loan as we were purchasing the house together. He later called me to tell me that I did not have enough traditional forms of credit for him to approve me on the loan, but after he pursued my sister and attempted to get her to sign on a new loan. It was not his fault that the underwriter did not want to approve me, however he waited until 1 business day before our closing date to inform us of this and he tried to convince my sister to sign paperwork for the loan without explaining what the paperwork was. He also had pre-approved us for up to {$38000.00} based on our credit scores, income, and debt to income ratio, but the housed we were purchasing was only {$170000.00}. We would have selected a different mortgage company immediately had we known there would be any issues having both of us approved on the loan. We were forced to drop him and Bank of America and were financed through a different company with no issue. However, it caused our closing date to be pushed back almost an entire month and we had already paid for an appraisal with Bank of America that was not refundable. It was a waste of our time and money and we were misled by a loan officer that was more concerned about getting his compensation for the loan than he was providing us honest information.
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
GA
Making/receiving payments, sending money
Bank account or service: Other bank product/service
Complaint: For the past year, I have repeatedly informed this institution on the best feasible way to reach me and each correspondence is sent certified mail. I have stated on the web for the past 6 months that I CAN NOT access the loan portal page since Bank of America changed some permissions on the portal so I am unable to access and technical support was unable to override.
Per the attached, there has been challenges with either receiving mail or having mail sent of the office. ( see attached ). If I am unable to obtain some items which are FREE this would indicate that are issues. I also requested that if I needed to be contacted to please contact me at my residence at XXXX. I am charged to connect to BOA from XXXX and if a fortune XXXX company can not contact regarding this issue or issue a collect number I 'm further concerned about this consistent attempt of BOA to insist they have n't received documentation and/or can not contact me. In addition, there is a XXXX hour time distant from the XXXX to XXXX so please do not contact me after XXXX.
Additionally, on three separate occasion BOA or its agents have been on-site to either threaten or prevent rental of this property. This documentation has been sent on various occasions with dates and names. This has cost me thousands of dollars to include issuing a writ of possession since the agent informed the tenant that she should not be paying rent. Eviction resulted in XXXX worth of damage to the residence. BOA asked if I would be able to pay XXXX of good faith money down and I asked if they would like for me to put those funds down or to pay for the damage. There was never a response so I assumed the repair I have before and after photos to validate my good faith.
This coupled with the fact that this company has not attempted to complete the RMA, sent back two certified full payments which would have taken the house out of foreclosure at the time and NEVER informed me to make a payment. Illustrates the intent of this institution to be unwilling to adhere to acceptable mortgage servicing practices.
Therefore, I requested that the home be sold at XXXX which is the cost of the last appraisal conducted. This also is in accordance with the loan modification process ( attached ) but NOT adhered to by BOA.
With all the documentation that I have on file and the correspondence submitted and not acted upon I am pretty confident, well documented solid case. I am unsure if this case of rampant through BOA or if this is a rare occurrence. However, I truly do not wish to have any dealing with BOA and would like to sell this residence so I can get on with my life.
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
Swanton, MD
Billing disputes
Credit card:
Complaint: BOA does not allow reasonable charge backs on its credit cards. It avoids them principally through XXXX methods : ( 1 ) a dysfunctional, buggy and excessively onerous website that it falsely claims can be used to request them, and, ( 2 ) an acute shortage of live representatives that result in a minimum of half an hour on the phone, dropped calls, and a typical encounter with them resulting in one hour of lost time each time you need to contact tehm.
I have XXXX charges on my XXXX Mastercard that are illicit that should be credited as a charge back to the merchant immediately. XXXX of them, for {$77.00} on XX/XX/XXXX and {$27.00} on XX/XX/XXXX were for merchandize not received because the merchant ignored explicit shipping instructions provided as a condition of the purchase. Specifically, they were told that there is no US Postal Service delivery address to the shipping address and that the items would need to be sent via XXXX or XXXX which do deliver to the shipping address. Despite these instructions, the items were handed over to the USPS, which then falsely claimed to have left " notice '' of an attempted delivery. This is also deliberately falsified since USPS does not deliver to the address in question, as stated ; hence it did not leave notice of an attempted delivery to an address it does not deliver to. Since all of this information was provided weeks ago, AS A CONDITION OF PURCHASING THE ITEMS, there should be no further wait time for this clear merchant error. Why is the consumer disadvantaged in a clear case of merchant error?
The XXXX charge for {$39.00} on XX/XX/XXXX was for an item received but which was not the item ordered. Again, this is a case of clear merchant error. A week or more ago it was told to mail its return label to the billing address. Since it failed to follow these instuctions as well, with no return label available, why should the consumer be disadvantaged by repeated merchant errors? Obviously, this is an habitual and recurring problem on BOA credit cards : blaming the credit card consumer for repeated, habitual merchant errors in an effort to discourage the credit card user from obtaining a charge back to the merchant.
Although BOA claims that it is possible to dispute a charge through its website and online banking, this is effectively a lie. The mechanism for doing so is full of software errors, dysfunctionally restrictive such that facts can not be accurately reported, and generally are structured to discourage charge backs.
Upon discovering BOA 's lies about online disputations of charges, I then tried to call someone in its customer service department. Since I have received this card ( which is branded with some cooperative agreement with a semi-federal agency, XXXX rewards ), the minimum amount of time I have been on the phone with them is half an hour. Recordings come on that indicate, habitually, that they are experiencing an unusually high volume of calls. Since these recordings always come on, this is another falsification by BOA. Along the way, I was asked by a robot on the call to enter the last XXXX digits of the card number. Yet after I did, I was then told to enter the full account number ; when you go to search for that, you are disconnected, despite more lies that suggest that if you " push 1 '' you will be given more time to get the number they should not be demanding on a phone call due to security risks on wireless calls. Yet, the sloppiness does not end there : if you do n't want to enter the full account number, you are instructed to enter your full social security number on phone calls that are easily intercepted instead.
The CFPB needs to sanction BOA for its multitudinous ways it avoids issuing charge backs that should be made, while pretending to make disputations for false and errant charges available. It should particularly examine the number of consume
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
Charlottesville, VA
Credit card protection / Debt protection
Credit card:
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-01
Country Lakes, FL
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
2016-11-01
N Falls, NY
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
2016-11-01
Hillcrest, FL
Deposits and withdrawals
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
2016-11-01
Allen Jay, NC
Overlimit fee
Credit card:
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-11-01
Bronx, NY
Managing the line of credit
Consumer Loan: Personal 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
2016-11-01
Stkn, CA
Deposits and withdrawals
Bank account or service: Savings account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief