BANK OF AMERICA, NATIONAL ASSOCIATION

2016-10-30

Speegleville, TX

Balance transfer

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

2016-10-30

Brooklyn, NY

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

Disputed: No Timely Response

2016-10-30

Houston, 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

Disputed: No Timely Response

2016-10-30

DC

Credit decision / Underwriting

Mortgage: Conventional fixed mortgage

Complaint: I reside in Washington, DC and earlier this year I was approved to purchase a condominium through a DC government program for less than half of the market value. I make {$46000.00} a year, I have a good credit portfolio and an average credit score of XXXX. I was pre-approved by Bank of America Home Loans to purchase the property using A first time homebuyer second trust government backed loan. The DC government has allowed me to purchase the property based on my income. The monthly payments XXXX mortgage, condo fees and taxes XXXX fall within the proper debt to income ratio. However, according to Bank of America the underwriter has not approved the loan because they are projecting the monthly tax payments On the appraised value of the property. The property I am trying to purchase is an affordable housing unit and and DC law states that based on my income I am eligible for tax abatement.
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

2016-10-30

Phoenix, AZ

Settlement process and costs

Mortgage: Other mortgage

Complaint: On XXXX Bank of America sent a notary to my property @ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX for me to sign DEED IN LIEU paperwork. Bank of America has not submitted this paperwork and has reported the property as " abandoned ''. Bank of America has forced me out of my home that I built in XXXX, ruined my credit, and caused me undue amounts of unnecessary stress related health issues. Bank of America has harassed me to no end while trying to work out this issue. They were supposed to modify my mortgage, then turned around and SOLD my house! I got that issue resolved and then they still have n't ended this nonsense. Earlier this year, I thought filing bankruptcy was the answer, however, I rescinded that option. I thought signing a Deed in Lieu would bring me some closure with Bank of America and it has not. Please, can you help me with this situation 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 non-monetary relief

Disputed: No Timely Response

2016-10-30

Bear, DE

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

2016-10-30

WA

Transaction issue

Credit card:

Complaint: For me, there was a single order at XXXX, but at Bank of America there are multiple transactions posted on XXXX, XXXX, and XXXX. XXXX charged me multiple times in very odd amounts that do n't even match individual product prices. There were XXXX items ordered. A desk, a console, and XXXX bookcases. The desk arrived damaged ( crushed on a corner ), was returned, and replaced. The replacement arrived damaged ( crushed on a corner again and a large scratch ). The console table arrived damaged ( with a large scratch and ). When the XXXX bookcases arrived, but I refused to received them and they were sent back. XXXX send me emails that do n't even match what happened in reality. They show only XXXX item being refused even though both were. They show the desk replacement is still being shipped. It is a complete mess. I have called XXXX five times. Five times! I was promised corrections and credits. None of that happened. I emailed the CEO ( seriously ) and got a response that this issue would be resolved ( I kept the email ). I received one call from the executive office and called back three times. No response. No resolution. I should not be charged for items I did not receive and I should not be charged for damaged items. XXXX should have resolved this, but they have not. I am tired of dealing with this and just want a refund. I received damaged items ( they were not damaged from shipping, they were damaged by the manufacturer from what I can tell ). So I called Bank of America to have the issue resolved. They told me that they would not do it. I have protection services on my account as well. The representative did not seem to care and told me that I had to work directly with XXXX. I have been working directly with XXXX but they are not resolving the issue at all. Bank of America should be taking care of this and not telling me this is my fault. I ordered products that were either not received or were received damaged. I tried to resolve this issue and have wasted weeks on it, but no resolution and no one will help me. I just want this mess over with and I want a refund. Since I have only XXXX order at XXXX, anything to do with XXXX should just be refunded. I will never purchase from them again. Ever. And I am seriously deciding if it is worth keeping Bank of America since they do n't even honor their own credit card agreement.
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

2016-10-30

PA

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Uploaded XXXX XXXX and Adverse Claim re : XXXX. Alleged " mortgage '' loan by BANK OF AMERICA FSB XXXX XXXX XXXX, BANK OF AMERICA FSB filed at State of California , County of XXXX XXXX Recorder Office XXXX, Document XXXX - XXXX. BANK OF AMERICA FEDERAL SAVINGS BANK XXXX XXXX XXXX, XXXX XXXX XXXX, OR, UNITED STATES XXXX knowingly failed to transfer the assets to the trust fund to qualify as a XXXX or a XXXX. Therefore this means that this " loan '' herein is/was in default at closing and the loan is unsecured and BANK OF AMERICA knowingly holds contraband, knowingly failed to pay income tax on proceeds from my Estate and Breached Fiduciary Duty, violated of public policy under XXXX, the Emergency Banking Act of XXXX passed XXXX XXXX XXXX codified 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: No Timely Response

2016-10-29

Houston, TX

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

Disputed: No Timely Response

2016-10-29

Oxnard, CA

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

Disputed: No Timely Response

2016-10-29

Bedford Park, IL

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

Disputed: No Timely Response

2016-10-29

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

2016-10-29

Chicago, IL

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

2016-10-29

Five Points, NC

Deposits and withdrawals

Bank account or service: Checking account

Complaint: 1. On XXXX/XXXX/2016 - I received a security alert from Bank of America ( XXXX ) that my banking password had been reset. I did not ask for a password reset. I immediately tried to log into my account and was unable to do. I finally got in touch with BA fraud unit. I was told they could not help me that I would need to go into a bank and identify myself. The bank was closed on XXXX/XXXX/2016 for XXXX XXXX. 2. I went into the bank on XXXX/XXXX/2016. Showed my ID and my debit card ( which they kept ). I was told I needed to close that account and open another one. They were able to show me all of the fraudulent transactions that the predator had made. See attachment " A ''. Another account was opened for me, a temporary debit card was issued and I was given the routing number and checking account number to give to my creditors to set up automatic draft for my bills as I have used with this bank for the last 25 years. I did so. 3. On Thursday XXXX/XXXX/2016 - nine days later, I received a call at my home from BA Fraud Unit, after a series of questions I said to the person, these questions sound as if I am being indicted for what happened to my account. I was told, " there is no way a person could have gotten into your account unless you gave them your pin number. '' I said to the person over and over " I have never given anyone my pin number. '' The person again repeated the indictment. She told me I would have to go in and open another account. I told her I had done so already and the bank had sent me a new debit card. She put me on hold for a while, when she came back she repeated her indictment and also told me, " You will never be able to open an account with Bank America again. '' I told her I did I did not want to, I just wanted my money they allowed someone to take from my account. I was told it was not likely that I would receive that money. After hanging up I went to take the funds from the new account to discover that Bank America had closed the new account as well. 4. On XXXX/XXXX/2016 - I received a letter stating Bank of America may report my account to the following reporting agencies : XXXX. XXXX XXXX XXXX XXXX XXXX or both. They further stated : " This may affect your ability to open an account at another financial institution for up to seven years. Why does Bank America want to punish me a customer for them opening up another account in my name. Is this not a felony? 5. Although I have contacted all of my creditors, I had automatic drafts to bounce and had to find money to pay all creditors. The check that goes to Bank of America is an annuity check from my late husband. Because of this happening after the posting date, I will not receive a check until XXXX or XXXX. My bills still have to be paid.
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

2016-10-29

Glendale, CA

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

Disputed: No Timely Response

2016-10-29

FL

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
Complaint: DISPUTE BANK OF AMERICA FRAUDULENT CHARGES This letter is intended to dispute Bank of America Home Loans/ Bank of America N.A fraudulent, fabricated charges and criminal activities, to defraud XXXX XXXX client : 1 ) According fraudulent Account Statements submitted to XXXX County Florida as part of Wrong Foreclosure in XXXX, '' AFFIDAVITS SUPPORTING PLAINTIFFS MOTION FOR SUMMARY FINAL JUDGMENT '', filed and sworn by Bank of America N.A on XXXX XXXX, XXXX, clearly show Bank of America criminal activities and fraudulent billing. 2 ) This fraudulent and fabricated Account Statement from XXXX to XXXX, stated that outline of transaction for above-referenced account number is {$3.00}, XXXX for concepts of home inspection, initial lawn cut, photos legal charges and others, based on Date XXXX/XXXX/XXXX. Good though Date:XXXX. EXHIBIT 1 3 ) On XXXX XXXX, XXXX in response to our complaint dated XXXX XXXX, XXXX, though its lawyers XXXX XXXX XXXX XXXX, Bank of America fabricated a new Account Statement for the same period of time ( XXXX to XXXX ). Bank of America added new bogus, fake charges for every years as Title Search, attorney fees, property inspection, court filings, process server and initial yard maintenance and others. EXHBIT 2 4 ) For the same period of time XXXX and XXXX both account statement has serious inconsistencies, a difference of {$13.00}, XXXX. It prove Bank of America fraudulent and criminal activities to steal my property with fake charges and malicious prosecution claiming interest in a property, style XXXX. On XXXX XXXX XXXX Bank of America N.A charged XXXX XXXX {$2.00}, XXXX in legal fee and Process Server in regard a Wrong Foreclosure, style XXXX, claiming false interest in the property, before buying Countrywide. Fraud. " XXXX XXXX XXXX own the property by virtue of an assignment to be recorded. '' The assignment was fraudulent recorded in XXXX XXXX. At the time, of the foreclosure and charges Bank of America was not servicing of the Account. Bank of America N.A became servicing of the account, by acquired Countrywide in XXXX. Later Countrywide change name to Bank of America Home Loans. Bank of America committed fraud. In other hand, many of the Yard Maintenance charges from XXXX and XXXX were done by the home association, XXXX XXXX XXXX XXXX. In XXXX XXXX XXXX Bank of America falsely and fraudulently charged homeowner XXXX XXXX the amount of {$5.00}, XXXX, in just one day, for the followings title fees, attorney fees, property inspections, initial yard maintenance- adjustment, yard maintenance, court filing, etc. Bank of America admitted that on XXXX XXXX XXXX transferred the servicing to XXXX, but Bank of America Home Loans continue its fraudulently and falsely charging XXXX XXXX with fake charges for the amount of {$5.00}, XXXX the following month on XXXX XXXX, XXXX On XXXX XXXX XXXX, Comptroller of Currency Administrator of National Banks conditionally approved merging application Bank of America Home Loans into Bank of America N.A, while continue in XXXX fraudulent charging homeowners fees. On XXXX Bank of America acquired Countrywide. Bank of America Home Loans XXXX, which became Countrywide, also fabricated finance, legal fees and maintenance charges from XXXX to XXXX for the amount of {$4.00}, XXXX. During period of XXXX to XXXX Bank of America Home Loan do not exist, it was not handling the homeowner account. It show that All charges from XXXX to XXXX are fake. Bank of America, " The Rule of the Organized XXXX '', on XXXX begin a new case of Wrong Foreclosure, claiming lost Note, and with a bogus assignment Mortgage, " style XXXX XXXX '', with the sole intention to defraud XXXX XXXX ' client. Bank of America charged XXXX XXXX for total amount of {$7.00}, XXXX, according Account Statement re-writte
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

2016-10-29

Oxnard, CA

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

2016-10-29

Alvin, TX

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 monetary relief

Disputed: No Timely Response

2016-10-29

Tarzana, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I overpaid on my credit card with Bank of America ( i.e. I had XXXX balance but forgot I already paid so I paid twice, resulting in net negative balance ). I then received a returned payment fee for {$26.00} for returned payment despite having sufficient funds in my checking account to pay for this from Bank of America. After much complaining, charge removed but I think this is a predatory and if I had not had paid attention, Bank of America would have made a quick buck.
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

2016-10-29

PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On Thursday XXXX XXXX, I was refused by three Bank of America employees at their XXXX Branch my requests to open accounts - checking - savings - credit - debit - for the following : XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, both c/o XXXX XXXX XXXX XXXX, XXXX, PA XXXX. Previously, On date : Mon, XXXX XXXX, XXXX at XXXX XXXX I : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX sent to : XXXXXXXXXXXX a Request for Special Deposit Assistance by : XXXX as follows : XXXX XXXX. XXXX XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; XXXX XXXX ( 11 days ago ) XXXX XXXX, XXXX XXXX XXXX XXXX , Chief Executive Officer Bank of America XXXX XXXX XXXX XXXX XXXX , NC XXXX Request for Special Deposit Assistance I intend to open accounts today by SPECIAL DEPOSIT at the Bank of America branch in XXXX Pennsylvania today. Recently, I was prevented to open Special Deposits accounts at a Bank of America location by an employee who is not trained in banking law. Accounts include checking, savings, credit and debit cards etc for me and my XXXX, XXXX, Please allow convenient activation of both credit and debit cards at the branch office location for I travel or mail to my church address at XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. Special Deposit Notices to Declared intent or purpose of this tender of payment as a Special Deposit order of the Payor and Beneficiary, and is to be credited to the depositor 's accounts as accord and satisfaction and payment in full of a discharge of any and all outstanding liabilities. It is my intent and purpose by a Special Deposit to merge the Legal and Equitable title to XXXX XXXX XXXX land and property, real, personal, tangible, intangible, corporeal and incorporeal to extinguish the debt and terminate the trust. Bond # XXXX XXXX XXXX XXXX XXXX. I am a XXXX, and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX, and I am listed in the alumni directory as simply priest. Blessings, [ red ink autograph ] XXXX XXXX : family-of-XXXX. These requests for Special Deposit checking and saving and credit cards was denied based on apparent fraud and intentional violations of the Emergency Banking Act of XXXX, and the Bank Secrecy Act, known as Dodd Frank. Special Deposit is defined at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, pages XXXX to XXXX, and by the book, XXXX on Banking.
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

2016-10-29

Discovery Bay, CA

Settlement process and costs

Mortgage: FHA mortgage

Complaint: On XXXX/XXXX/2016 I mailed out a Qualified Written Request Via USPS Certified Mail to Bank of America home loan services XXXX XXXX XXXX XXXX, Florida. In my letter which is part of the real estate settlement procedures act, 12 u.s.c. 2605 ( e ) I stated that I am disputing the identity of a true secured lender and the the authority of Bank of America to collect on behalf of the alleged lender/creditor. I requested proof under my rights that bank of america has been contracted to work on behalf of the alleged lender. Pursuant to " subtitle E Mortgage servicing '' of the Dodd-Frank wall street reform and consumer protection act and pursuant to 12 u.s.c. section 2605 ( e ) ( 1 ) ( A ) and Reg. X section 3500.21 ( e ) ( 1 ) to provide me with 1 ) full name, address, and telephone number of the trustee 2 ) The MERS Milestone Report 3 ) A Complete itemized statement of any and all fees or charges against this account 4 ) A Full Certified " True and Accurate '' Copy of the original promissory note and security instrument and all assignments of the security instrument.. Along with some other request ALL of which Bank of America has failed to send me. They responded on XXXX with a letter asking me to fill out an " Identity Theft Claim '' I have no idea why I would fill out this type of form it has nothing to do with what I had requested from them. So they have failed to follow the law.
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

2016-10-28

N Andover, MA

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

2016-10-28

Edgemont, NY

Disclosure verification of debt

Debt collection: Credit card

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

2016-10-28

East Brooklyn, CT

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 non-monetary relief

Disputed: No Timely Response

2016-10-28

Phoenix, AZ

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

Disputed: No Timely Response