BANK OF AMERICA, NATIONAL ASSOCIATION

2016-10-20

Duette, 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

Disputed: No Timely Response

2016-10-20

San Mateo, CA

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 monetary relief

Disputed: No Timely Response

2016-10-20

Boulder Hill, IL

Late 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

Disputed: No Timely Response

2016-10-20

Lynn, MA

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 non-monetary relief

Disputed: No Timely Response

2016-10-20

FL

Customer service / Customer relations

Credit card:

Complaint: I had set up an automatic payment with Bank Of America XXXX credit card to be paid every month {$500.00} from my personal account. In XXXX 2016 I had a credit of {$480.00} and the ACH payment keep being send to the credit card every month by XXXX 2016 I had made {$2400.00} payments with out using the card. This means a credit I had a credit of {$2400.00} I called several time letting them know that i had stop the automatic payments authorization online and I was being deducted this from my bank any ways they said I had to call my personal bank directly. Finally in XXXX after many calls I had to ask my personal bank XXXX to do stop payments of this. I called XXXX and ask for the rebound of my payments made. Total credit I should had was {$3900.00}. In XXXX XXXX at XXXX pm I called and spoke to a costumer service rep called XXXX, she help me out and told me a credit was going to be send to my account in XXXX. I only received {$1500.00}. In XXXX XXXX at XXXX am I spoke to a costumer service rep named XXXX and she told me a check was send to my house which I never received XX/XX/2016 for {$2400.00} she confirmed check was not issue and it must have been lost in the mail. She help me to process the payment again to be return to me as the last one was return directly into my XXXX account, she said it will take 10 business days. I called again today XXXX XXXX, 2016 and I spend an hour over the phone and none one was able to tell me what happen with this reimbursement and no word on why it has not been process.
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

2016-10-20

NC

Credit determination

Credit card:

Complaint: I was declined for a credit card ; however, with XXXX and a great income the denial reasons provided and the credit factors from the credit reporting agency ( XXXX, XXXX ), I can only assume I was discriminated against based on my gender and marital status.
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

2016-10-20

South Florida, FL

Improper contact or sharing of info

Debt collection: Credit card

Contacted employer after asked not to
Complaint: Bank of America contacted my place of employment, my boss identified it as my place of employment, and then they asked for other contact number within my company to call me which my boss refused.
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

2016-10-20

Council, NC

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Federal law, The Truth in Lending Act, requires a written notification to the borrower if the ownership of your mortgage is sold, assigned or otherwise transferred including transfers within XXXX. This notice is in addition to any notices you may receive about the transfer of the servicing rights for your loan. In Bank of America 's response to Consumer Financial Protection Bureau, Case number : XXXX your representative, XXXX XXXX, XXXX XXXX, XXXX Customer Care Resolution, said, " Our records indicate that in XXXX 2009, the transfer of your loan from Countrywide Bank, XXXX, to Bank of America, N.A., was completed. '' If this is indeed true, why was there no notification to the borrower at that time that the ownership of the mortgage was transferred? My records indicate that this transfer took place on XXXX when Countrywide Bank, XXXX. assigned and transferred to Bank of America , N.A . all its right, title, and interest in and to a certain Deed of Trust for borrower XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX for a property located at XXXX XXXX XXXX XXXX, XXXX XXXX, NC XXXX ( Recorded in XXXX XXXX XXXX, NC on XXXX at XXXX XXXX ). This transfer was a transfer out of the XXXX system as evidenced by the instrument recorded in XXXX XXXX XXXX, NC. ( See attached Assignment of Deed of Trust ). It was transferred from XXXX as nominee for Countrywide Bank XXXX Bank of America, XXXX XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This was XXXX Resolution Specialist, XXXX Customer Care Resolution, response to my question why I was not notified of this transfer : " Under the XXXX, XXXX XXXX XXXX XXXX XXXX, your lender holds your promissory note, and XXXX was designated as the beneficiary under the Deed of Trust. The beneficiaries under your Deed of Trust are tracked through an internal electronic database. '' Her statement is partially true but does not answer my question. This transfer was directly to Bank of America, not held in XXXX for Bank of America. Why was no notification sent to me, the borrower, that this transfer had taken place? If what XXXX XXXX, and her supervisor XXXX XXXX, and XXXX XXXX reviewer XXXX 's Supervisor, XXXX XXXX, Senior Vice President at Bank of America, all agreed that what was published as the date of a transfer, why was I not notified of the assignment of the deed of trust in XX/XX/XXXX referenced above?
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

2016-10-20

Washington, DC

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Twice in three days, my entire online account with Bank of America has been locked due to " the number of attempts to sign in exceeded the number allowed. '' However, none of these attempts were made by me. Each time, I received an e-mail from Bank of America saying that if these attempts were not me, I should call the XXXX number provided in the e-mail immediately. Upon calling the XXXX number, I was told by Bank of America that there was nothing to worry about, and I should just simply reset my password. I told Bank of America that I am worried because someone of something is trying to access my banking information. Additionally, I think Bank of America is also concerned ( or at least should be ) because I was sent an e-mail from Bank of America saying " Your security is important to us. If you are not aware of this situation, please contact us immediately at XXXX. '' I went on to tell Bank of America that if my security was indeed important to you, then help me understand more information about who or what is trying to access my most private of banking information. Unfortunately, Bank of America again just informed me that I had nothing to worry about, and that I should simply reset my password and move on. I again pressed Bank of America for additional information. I said you clearly know that there were attempts to log into my account that were not me, so you have additional information, and I would like that information. If you ca n't provide me with any information, can you put me on the phone with someone, maybe a supervisor, who can. Again, Bank of America simply told me not to worry and move on. In XXXX cases, I then asked Bank of America to notate my account that I was extremely concerned that someone or something was trying to get information about my banking, including a mortgage, checking account, savings account, and credit card, and I would request that a supervisor call me back within 24 hours. In XXXX cases, Bank of America told me that they notated the account, and that a supervisor would call me back. I have yet to hear from a supervisor, or anyone from Bank of America for that matter.
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

2016-10-20

MD

Credit card protection / Debt protection

Credit card:

Complaint: Bank of America has not recognized any of the fraud claims I have sent to them in the past 5 months and thus right now they owe me XXXX dollars including the current fraud claim on my credit card. If they fail to recredit my credit card and pay me the total XXXX, I will take this case to small claims court.
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

2016-10-20

Soquel, CA

Bankruptcy

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

Disputed: No Timely Response

2016-10-20

Jax, MS

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

2016-10-20

Newnan, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: In the month of XXXX 2016, I contacted my lender for assistance with my home loan due to a hardship in hopes of qualifying for a home loan modification. After going though the financial process over the phone my Customer Relationship Manager told me that I was qualified for a modification. He told me that he would send the required paperwork out via Next day XXXX. I received the paperwork weeks later through regular mail. I asked why I did n't receive overnight as he advised and I was told by the CRM that he would look into it. I immediately sent over the required documentation as requested. The CRM acknowledged having received it. I received a correspondence in XXXX advising that my information had been received and if anything else was needed a letter would be sent out to me advising of what was needed. I never received any other letters only phone conversations between me and my CRM. Each conversation was the same with him asking for the same information week after week even after acknowledging that he had already received it every time it was sent. He claim that the underwriter was asking for the explanations which were also provided every week. Ultimately Bank of America dual tracked my account deliberately causing me to run out of time to choose another option to prevent them from fraudulently stealing my home. Everything that they requested was sent over and over, and even after acknowledging weekly that the information was received they are now lying claiming that the information was not received. On the XXXX of XXXX and on XXXX/XXXX/16, day of the sale they asked me for another application that included the co borrowers information. At the start of this process the CRM and the underwriter said that I could apply on my own ; a quit claim deed was sent also. XXXX business day before the sale I was told that they would not accept the request for modification without the co-borrowers info.Instead of them telling me from the beginning that they could not accept my info alone they waiting until the last minute intentionally. Either was I then submitted that information as well which was on XXXX. The CRM acknowledged receiving it via fax the same day. On XXXX he asked for a second application though I had already completed XXXX in XXXX 2016. I sent it over via fax just as I sent all other documents. At that same time the CRM claimed on XXXX that he was sending over a request to postpone sale date due to all docs on file. The sale was never stopped. I contacted the foreclosing attorney 's office on XXXX the day after the sale. They advised that they did not receive a request for postponement. I asked if it could have possibly gone through another department and he said no. He adivised that they and BOA worked in a shared system and the last note he showed on my account was XXXX/XXXX/16. Bank of America lied. They induced me into believing that I would get a modification while foreclosing at the same time. Being that the foreclosing attorney 's office never received a request, I know that BOA had harmful intentions where my account was concerned which is deplorable.
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

2016-10-20

Discovery Bay, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I am going through financial difficulties and requested a modification for my XXXX loan on XX/XX/2016. My services/lender, Bank of America, acknowledged receiving paperwork but then did not do anything to process it. I try calling once a week to check the status update and I was told that it is still in process. in fact, they never processed my paperwork instead, they gave me a repayment plan which was ridiculously unaffordable for me.
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

2016-10-20

San Diego, CA

Closing/Cancelling account

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

2016-10-20

Wallington, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: This is my fourth complaint on no resolve to my problem with bank of america, I have an unauthorized charge of {$210.00} and they have done nothing to this point to help me. I called both optimum and the bank of america customer service and both treated very nasty. I have since canceled my optimum service. I also wake this morning to service on both of my accounts, and for what reason?! I would n't be negative if the bank would of just refunded my money taken out my account without my consent. They call and I call back the claims dept and nobody ever picks up. I am upset, because I do n't make much and these things like this put me in a hole. Now my accounts are negative - {$14.00} and - {$5.00} this is ridiculous already how this bank just does n't help its customers at all and just keep taking our hard earned money through these shady fees and broken claims process!
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

2016-10-20

Jacksonville, FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I had a mortgage with B of A. I have paid them every month for years via electronic fund transfer from my bank directly to them. In XXXX they transferred the servicing of that loan to XXXX. They did not adequately tell me so I had sent my XXXX payment via Electronic fund transfer to B of A on XXXX. My bank ( XXXX XXXX XXXX XXXX ) has also confirmed this about a dozen times verbally and in writing. XXXX called me looking for their XXXX Payment. I then called B of A. In fact I have spent about 8 hours in total now on phone calls, typing emails, etc .... trying to get B of A to help me. The customer advocacy individual they assigned to me has stopped communicating with me. In short, they ca n't find the {$440.00} I sent them on XXXX. I have since sent the missing payment to the new mortgage payment and I want my {$440.00} back from B of A.
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

2016-10-20

Newport, TN

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: How is it that the owner of the mortgage was never the owner as assigned to XXXX XXXX XXXX XXXX tn XXXX in there own words. How can you legally assign a mortgage to someone that does n't know they are the note holder or owner then sell the servicing rights to another servicer?
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

2016-10-20

San Jose, CA

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 monetary relief

Disputed: No Timely Response

2016-10-20

Soquel, CA

Bankruptcy

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

Disputed: No Timely Response

2016-10-20

Bremen, GA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take 2-3 days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them three times, once I was on hold for so long I gave up, the 2nd time I kept getting bounced around different people. One dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The 3rd time I was hung up on by the employee.
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

2016-10-19

Vicksburg, MI

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

2016-10-19

Cooper City, FL

Disclosure verification of debt

Debt collection: Mortgage

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

2016-10-19

Plano, TX

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 explanation

Disputed: No Timely Response

2016-10-19

Houston, TX

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