BANK OF AMERICA, NATIONAL ASSOCIATION

2016-10-24

Seligman, 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 explanation

Disputed: No Timely Response

2016-10-24

Raymond, NH

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

Disputed: Yes Timely Response

2016-10-24

Nyc, NY

Billing statement

Credit card:

Complaint: I have a Bank of America credit card. It 's a " Cash Rewards '' XXXX card. I have XXXX issues with the firm 's website : ( 1 ) without an intricate knowledge of the inner workings of Bank of America 's website as well as a knowledge of the specialized vocabulary specific to Bank of America 's website, I am not able to ascertain my autopay status ; and ( 2 ) the autopay options themselves are confusing and/or redundant. Issue XXXX I have my card set up on autopay. But Bank of America 's website does not specify anywhere on its website what my current autopay setup is. I had intended to change it to pay my balance in full each month but I was only charged the minimum for two months and so had to pay interest. Normally, I 'd be able to check on this ( which I do regularly for all my cards ), but, as mentioned, Bank of America 's website does not specify anywhere what the auto-payment status is. Their 'Bill Pay ' & gt ; 'Automatic/Recurring payments ' tab are very unclear. Under Automatic Payments, the 'Payment Plan ' specifies 'e-Bill Initiated ' and 'Recurring Payment ' but ( XXXX ) does not tell me what my current autopay status is and ( XXXX ) does not specify the difference between these. The customer help desk attempted to explain but, from my understanding, one can do everything under 'e-Bill ' that they can under " Recurring Payment ''. In my account, I have 'E-bill initiated '' as Active but " Recurring Payment '' as " Not Active ''. However, since my account has been auto-paying, I would think that I actually do have an active recurring payment. But, in the land of Bank of America, I actually do not. So, I can click on 'e-Bill Initiated ' to try to figure out my situation but I can only click " Edit '' or " Cancel ''. I do n't want to do either of these. I just want to see what my current status is. So I click " Edit ''. After speaking with customer service, apparently when you click " Edit '', the default options selected are my current payment status. However, I would n't know that had the customer representative not informed me of this. Issue XXXX Once I select " Edit '' under the " E-Bill Initiated '', I am presented with four options : " Minimum amount due ... '', " Amount due ... '', " Statement balance as shown ... '', and " $ [ ] regardless of amount due ''. I had selected " Amount due ... '' and had only been charged the minimum ( hence the interest charges ). The customer rep could not clearly explain how " Amount due ... '' was different from " Minimum amount due ... ''. She mentioned they occurred on different dates but, according to the website, one can choose a different payment date independent of the payment dollar amount option chosen. So, I do n't know what " Amount due ... '' means. I thought it meant paying the bill in full but apparently not ( I obviously should have gone w/ paying the statement balance in full to be safe but, unfortunately, I did n't ). It apparently means paying the minimum. Afterwards, I went and examined all my bills and the " Current Payment Due '' and " Total Minimum Payment Due '' have always been the same. So I do n't really get the difference between these XXXX -- either I have to pay Bank of America the amount " due '' or I do n't ( and pay interest on anything less than the statement balance ). So providing a clearer definition of " Amount due ... '' and " Minimum amount due ... '' would help on this page.
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

2016-10-24

Ocklawaha, FL

Deposits and withdrawals

Bank account or service: (CD) Certificate of deposit

Complaint: I Bank with Bank of America. When I am having a check direct deposit into my account, it does not tell me the amount I am receiving from my employer. It says employers name and amount of XXXX cent until it clears. my check was deposit in on Friday morning. here it is Monday and the check still has n't been cleared and I still cant see my amount that was direct deposit in. My other bank tells me the amount shown as soon as a check is direct deposit in. why cant ban of America have this feature as well?
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

2016-10-24

Havana, FL

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: No Timely Response

2016-10-23

Dos Vientos Ranch, 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

2016-10-23

Phoenix, AZ

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

2016-10-23

San Francisco, 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 monetary relief

Disputed: No Timely Response

2016-10-23

Kansas City, MO

Deposits and withdrawals

Bank account or service: Checking account

Complaint: i was charged an overdraft fee twice by bank of america when i did not sign up for the protection. One of the fees was for a debit transaction for netflix on XXXX/XXXX/2016 On or about XXXX/XXXX/16, I was charged an overdraft fee for a check. The check was paid even though i had a negative balance at the time, and i paid to stop the check.
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

2016-10-23

Beverly Hills, CA

Settlement process and costs

Mortgage: Home equity loan or line of credit

Complaint: Dear Bank of America, I appreciate your time greatly however the documents provided did not confirm my concerns of withdrawal of XXXX - provide XXXX XXXX wire instructions or account of deposit. As well as XXXX payment by check, wire, or transfer - provide copy Copy of Initial Draw Check as I did not receive - XXXX, XXXX XX/XX/2005 Response to its to late to file a dispute of concern for transfer and or payments - Is there a time frame on possible fraud? Response- documents signed without full disclosure from Bank of America XXXX who is the lender, who is the beneficiary - under the Deed of Trust Bank of America had an obligation to disclose and failed.
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

2016-10-23

Council, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: My husband passed XXXX years ago, I am waiting.g on XXXX.My son pays my bills, bank of America is trying to charge me late fees for XX/XX/XXXX and XX/XX/XXXX.My son 's gets paid on the XXXX and I pay the mortgage the very next day.They have been told about my situation, my son is doing the best he can to help me.He can not afford to pay these outrageous late fees.
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

2016-10-23

Fort Pierce, FL

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

Disputed: No Timely Response

2016-10-23

Jupiter, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I finalized a loan modification to a 40 yr fixed rate loan with boa on XX/XX/XXXX.I began this process XX/XX/XXXX. I recvd my first signed modification on XX/XX/XXXX XX/XX/XXXX I discovered via a severley impacted credit score that the final mod was " never filed '' and no attempt to contact me.from the start of XX/XX/XXXX i have never missed or had a late payment. boa has consistently misapplied my payments. my statements do not reflect the payment specified in the final mod. boa randomly applies all payment to interest with no pricipal application. I called the customer service and XXXX informed me that i have a payment specified in the first modification that boa stated was never filed and did not exist. therefore at this time boa has XXXX final modifications coexisting .each and everytime i contact boa i am given a new contact person to date i have had XXXX.the latest one is XXXX you will research this and call me " next week ''. the last statement i recvd for XX/XX/XXXX states i owe XXXX under projected interest and regular monthly payment. my modification payment is XXXX according to the last account transaction history sent to me my XX/XX/XXXX and XX/XX/XXXX payments were all applied to interest.again as reported to cfbp and copy sent to me boa states " our records indicate that your loan is current '' .this loan has always be current with all payments recvd before the due date since the trail period beginning XX/XX/XXXX.also when i recvd from XXXX the response to cfpb and a copy of my modification and statement transaction history. XXXX XXXX XXXX was kind enough to include a letter to another bank of america customer ( not me ) and this customer 's resolution specialist name is XXXX and her contact # XXXX ext XXXX ... so one can only image the amount of confident information sent by boa to the wrong people.
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

2016-10-23

Huntsville, TX

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Someone opened a Bank Of America XXXX XXXX account that I have explained to them and proven to them that It is not mine I am only XXXX XXXX XXXX and they put my date of birth as something totally different but I am getting denied to open any further checking account 's for something that I did n't do.
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

2016-10-23

CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Bank of America closed XXXX accounts XXXX and XXXX reporting it as suspect fraud activity. I do not believe this to be true. Fraud definition is wrongful or criminal deception " intended '' in personal or financial gain. Is there proof that anything was intended?? No there is n't, but there is a police report with the XXXX Police about my house being broken into and things stolen. Any use of this account was never " intended '' and no personal or financial gain occurred. In fact all debt has been paid. I am therefore asking for the " suspected fraud '' to be removed from my file. Please see if Bank of Maerica can in fact prove any fraud was done, there was none. Another point is on my XXXX report the reasoning for closure is " closed for cause-purged, '' their definition of that is, the account is closed.this does not convey a negative situation. The bank has deleted this account record from its file. '' How can this still appear if that is the reasoning let alone be noted as " suspected fraud ''. With the debt being paid I no longer see why this should be affecting me. I clearly never intended for the misuse of this account to occur and took the responsibility to pay. Please removed the " suspected fraud '' clause account from my record. Attached are letters from Bank of Amercia stating the accounts have been paid in full. Please note that when these accounts occurred is was under my maiden name of XXXX XXXX now married and legal name of 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

2016-10-22

Palmerton, PA

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

2016-10-22

Ashland, KS

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 explanation

Disputed: No Timely Response

2016-10-22

NY

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was discharged in bankruptcy
Complaint: Bank of America reports a debt that was discharged in Bankruptcy as having a balance, as being charged-off, and as being past due. Various courts have held that reporting a discharged debt as a charge off is advantageous to the bank because it can keep the debt on its books and makes the overall portfolio more valuable.
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

2016-10-22

Tempe, AZ

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

2016-10-22

North Hollywood, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: On XX/XX/XXXX, I noticed at XXXX that I had mistakenly paid an XXXX school tuition bill twice for XXXX my children ( which was previously paid and processed on XX/XX/XXXX ). XXXX was for {$3200.00} ( XXXX ) and XXXX was for {$3800.00} ( XXXX ). A total of {$7100.00} was being processed and overdrawing my account on XX/XX/XXXX. I saw that I would be able according to the Bank of America website online bill pay that I could call to cancel the payment if it was processing so I did so immediately. I was under the impression that if it was a physical check ( not electronic ), I would be able to stop payment on all bill pay check sent on my behalf. Again, as far as I knew, Bank of America was sending XXXX physical checks to the recipient or payee on behalf of the account holder not electronic payments. Also, since I notified the bank and the recipient XXXX, I believed it would all be resolved by XX/XX/XXXX at midnight during ACH processing and clearance as no checks were cashed or remitted by XXXX XXXX. Bill pay cancellation was requested by phone on early morning and day check had been requested to be cancelled and not remitted by recipient. These XXXX checks were processing according to on-line bill pay ( and had passed the scheduling phase ). XXXX Check ( check # XXXX ) was sent as a corporate check ( so withdrawn immediately by Bank of America ) and another was sent as a draft check ( Check # XXXX ) that was cancelled. I was not aware the bank could choose in which fashion withdrawals from my account were taken and how they were floated. Nowhere on the On-Line bill pay website does Bank of America specially state that they have the discretion to send out bill pays ( physical checks ) as Corporate checks or actual draft checks. I was told that by requesting a cancellation prior to the check being remitted by the recipient ( XXXX had been notified to not deposit checks ) any corporate bank check drafted from my account ( # XXXX ) would take up to 5 days to process and it would show up twice during this time. As such, my account was overdrawn at numerous times and neither I nor my family was able to withdraw funds from XX/XX/XXXX to XX/XX/XXXX in the morning after ACH clearance at midnight on XX/XX/XXXX - so only on 5th business day. I am entirely confused why Bank of America is not able to set up an immediate stop payment on any check draft or corporate check for any bill payment made that is not remitted to payee for ACH clearance. Yet it shows up on my on-line bill pay account as debits and credits. As I understand, these XXXX are physical checks sent by the bank on behalf of the customer. XXXX draft check ( # XXXX ) never appears on the account withdrawn history but the corporate check ( check # XXXX ) took 4 business days and XXXX debits and credits on my account ( XXXX ) to resolve itself. Again, the fact that the Bank Corporate check ( check # XXXX ) was not able to be cancelled and or blocked on evening of XX/XX/XXXX and never processed again against my account ( # XXXX ) was totally frustrating and entirely and inconvenience as I was unable to withdraw funds while traveling away from my family for work and my family was unable to use funds 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: Yes Timely Response

2016-10-22

CA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I deposited {$6700.00} ( mostly hundreds ) into a Bank of America ATM ( XXXX XXXX XXXX, XXXX, CA ) on XXXX/XXXX/16. The ATM counted {$4200.00}. I requested to remove my money, as the amount shown was off by {$2500.00}. The ATM gave me back {$4200.00}. I immediately went into the branch and told a manager what had happened. She informed me that they have no control over the ATMs, and gave me a phone number to call. I stayed at the bank and called the number from the bank phone. I spoke with a person who told me I 'd be issued a temporary credit of {$2500.00} while they investigated. I was satisfied, as I was sure they 'd identify the problem. Yesterday I received an electronic letter from Bank of America saying they did research, did not find the {$2500.00}, and that the credit to my account would be removed. I use this specific bank account to pay bills only, and deposit exact amounts into the account. My business accounts are through BofA, through which over $ XXXX per year circulates. I have been banking with BofA for over two decades. I have never filed any complaint or had any issues. I called and asked to speak to someone in the research department to see what the research consisted of exactly, as I ca n't believe {$2500.00} can go missing. The person I spoke with told me the research department had pulled data from the ATM and determined that I deposited {$4200.00}. This was, of course, the exact problem I had encountered the day I deposited the money. I asked if the money in the ATM had been counted, and was told only that the money is collected once a week and that there is no other information. I am very uncomfortable with what has happened. I am shocked that I have completely lost {$2500.00}, and that there does not seem to be anything I can do about it. I was told that someone from the research department would call me back yesterday within 2-4 hours, but no call ever came. I hope someone can help me ... I ca n't stand the idea that {$2500.00} is simply gone from my possession. As I mentioned to the person I spoke with over the phone at Bank of America, if the amount was {$100.00}, or even {$200.00}, I may be convinced that it was my error. But this is impossible for an amount of this size. Please help!
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

2016-10-21

Mesquite, TX

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

Disputed: No Timely Response

2016-10-21

Cataldo, ID

Transaction issue

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

2016-10-21

Ocean City, MD

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

Disputed: No Timely Response

2016-10-21

Gainesville, GA

Account opening, closing, or management

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

Disputed: Yes Timely Response