BANK OF AMERICA, NATIONAL ASSOCIATION

2016-10-18

Houghs Neck, MA

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

2016-10-18

Arco, CA

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: My car dealer told me to pay the DMV XXXX, which I did. However, I had already paid and the DMV sent me back the check. Bank of America took it out of my account and then will not give it back, though I 've called six times to have it given back. Additionally, I filed a claim with Bank of America due to fraud at a postal center while I sent a sculpture. They charged my card {$110.00} fraudulently after quoting me {$25.00} dollars. Bank of America honored their fraud and gave them the money even though I never allowed it to go through nor did I approve the price. They signed it wihtout my permission!
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

2016-10-18

Brooklyn, NY

Credit determination

Credit card:

Complaint: As I await an answer from Bank of America, regarding Complaint XXXX, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. Again, I am wondering what exactly has changed, since the BOA system seems to continue to generate and send these offers with guarantees, BOA has no intention of fulfilling.
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

2016-10-18

Oakland, CA

Application, originator, mortgage broker

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

2016-10-18

Cambria Heights, NY

Loan servicing, payments, escrow account

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

2016-10-18

Albuquerque, NM

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 explanation

Disputed: No Timely Response

2016-10-18

Ampthill, VA

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

2016-10-18

Inglewood, 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 explanation

Disputed: No Timely Response

2016-10-18

Santa Monica, 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: Yes Timely Response

2016-10-18

Memorial Square, GA

APR or interest rate

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

2016-10-18

Arco, CA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Home equity line was modified. Regular payments went delinquent. Bank 's credit card division lowered my credit and credit score. I made the lower modified payments, yet I had negative reports to the credit bureau lowering my credit score. Now I have to wait until the Bank updates its Home Equity Line of Credit statements before I can contact the credit bureaus to correct this.
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

2016-10-18

MD

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: I attempted to get a loan modification or forbearance from Bank of America and they denied any assistance despite the fact that I was unemployed. In addition, I ask for a forbearance and they told me that I needed to start a new process for forbearance despite the fact that I had given them every document possible. They have been very uncooperative and have shown no desire to work with me to resolve the matter. Bank of America seem intent on foreclosure as opposed to working with consumers and they are doing this despite 10 years of consistent payments and an outrageous interest rate. Their tactics are predatory in nature.
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

2016-10-18

Santa Ysabel, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: PLEASE REVIEW MY DECLARATION PARTS 1 AND 2 THAT SUPPORT ALL THE WRONG DOING BY THE BANKS AND THEIR ATTORNEY 'S. We Rescinded our Mortgage in XXXX twice and once in XXXX. US Bank has ignored the notice of rescission 's. Also their has been extreme ROBO signing confirmed by XXXX courts against the banks in an their efforts to take possession of our property. The courts ruled in XXXX in our favor vacating a Summary Judgment Order finding that there was no valid Substitiution of Trustee Presented to the Court. Again in XXXX the Court issued a Judgment in favor of the defendants in the XXXX Unlawful Detainer file by the Bank. Pending now for trial is yet a XXXX Unlawful Detainer Complaint filed by the Bank set to go to trial on XXXX XXXX, XXXX. I URGE YOUR IMMEDIATE ATTENTION, PLEASE.
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

2016-10-18

Baldwin Park, 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

2016-10-18

OK

Transaction issue

Credit card:

Complaint: I am beyond frustrated in the manner of which I have been denied the ability to dispute a charge on my Bank of America credit card.I received a denial letter, that said I was not able to dispute the charge, The charge I am requesting assistance in disputing was made on XXXX XXXX 2014, to a company called XXXX in the amount of {$1500.00}. I have recently come to the conclusion that I have been victimized by an online business scam I have paid this company the total of {$3000.00} of which was done in XXXX separate credit cards, which the other credit card company refunded me the charge, so I do n't understand why Bank of America is treating my dispute this way. I have been told that I am unable to dispute charges over 60 days old, however, I understand that the 60-day time frame for disputes does not apply in my situation as this is not a billing error and I signed contracts. My dispute has been mishandled and requires further investigation it is shameful that Bank of America was so quick to dismiss me.I would like them to look into this " merchant '' There has got to be something they can do for the protection of their customer beyond 60 days. Companies like these are taking advantage of people praying on the old and vulnerable making promises and telling lies.A refund from these companies is in order. They did not provide the services as described.
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

2016-10-18

East Matunuck, RI

Loan servicing, payments, escrow account

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 non-monetary relief

Disputed: No Timely Response

2016-10-18

Quartzsite, AZ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Originally submitted a fraud claim to Bank of America ( BofA ), through identitytheft.gov, XXXX XXXX, 2016, in which they settled a portion of the claim and have yet to settle the latter portion.. The second portion was resubmitted XXXX XXXX, 2016. BofA stated it could take up to 90 days to complete their investigation. I have not received any correspondence from them. The second portion is of similar transactions as the first portion and should be an obvious conclusion. Supporting documentation is available as needed.
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

2016-10-18

Reno, TX

Managing the loan or lease

Consumer Loan: Vehicle loan

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

2016-10-18

Wallington, NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I just wan na start with saying I am upset on how the Bank of America customer service rep treated me over the phone when I called to try to get my {$210.00} back from a charge I never authorized to be made! I hate doing these claims, but when I know I was done wrong I would like my bank to have my back, and best interest! I am old and do n't have a lot of money and live day to day. XXXX took money from my account I did not authorize, and theyou could n't do anything for me, so they told me to call my bank and they should help me, but all I been getting is a runique around. They call me from a claims Center, and I call back no later then 10 min and nobody answers or calls back!! How 's does that work then! I love Bank Of America, and just want them to reimburse me my money plz. By this happening I went negative and my rent is not paid.
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

2016-10-18

Wallington, NJ

Deposits and withdrawals

Bank account or service: Checking account

Complaint: Well, I called bank of America due to a charge I did n't authorize on XXXX XXXX, and noticed, because I got an alert about my account. So, I called optimum and they said at this point they ca n't help me get my money back, but my bank should be able to help you. So I call bank of America customer service and get the nastiest lady on the phone, she does n't even let me finish, and I explain my problem and she says there 's nothing we can do for you bye and just hangs up! I am upset and thrown back by this! I get a call from the claims dept, and call back and nobody answers or calls back ever!! I have called twice already and left messages and nothing. At this I do n't want to deal with anymore rude people from the bank and just want the bank to plz reimburse me my {$210.00} I never authorized to be taken out my 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

2016-10-18

Fdez Juncos, PR

Closing/Cancelling account

Credit card:

Complaint: I HAVE HAD A VISA MERRILL + CREDIT CARD FOR MANY YEARS. I CALLED AND WROTE THE BANK OF AMERICA AND MERRILL LYNCH THAT THE CARD WAS NOT WORKING.. THEY INFORMED ME THAT THEY HAD CLOSED THE ACCOUNT AND INDICATED THAT IT COULD NOT BE REOPENED. THEY NEVER GAVE ME A REASON FOR THE CANCELLATION. THE CARD EXPIRATION WAS XX/XX/2018. I HAVE OVER XXXX REWARD POINTS WITH THIS CARD WHICH THEY CONFISCATED. I ASKED THAT THEY AT LEAST HONOR THE OVER XXXX REWARD POINTS, WHICH THEY DENIED TO DO. THIS IS UNFAIR AND TOTALLY OUT OF PLACE! I DID NOT HAVE ANY IDEA THAT THEY UNILATERALLY HAD CLOSED THE ACCOUNT WITHOUT EVEN NOTIFYING ME AND APROPIATED MY REWARD POINTS. MERRILL LYNCH SENT ME A LETTER INDICATING " A REVIEW OF YOUR ACCOUNT INDICATES THAT THE ACCOUNT ON XX/XX/2016, BASED ON THE TERMS AND CONDITIONS OF YOUR POINTS PROGRAM, TO PARTICIPATE IN THE PROGRAM YOU MUST MAINTAIN AN OPEN ACCOUNT AND HAVE CHARGING PRIVILEGES ''. WELL, THEN WHY DID THEY CLOSE THE ACCOUNT IN THE FIRST PLACE?
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

2016-10-18

WA

Delinquent account

Credit card:

Complaint: In XXXX I called Bank of America to review my account that had become past due. At that time I had a long conversation that ended with me setting up a auto payment to be withdrawn from my checking account on the XXXX of each month as well as have my payment due date changed from the XXXX to the XXXX. The payments have been with drawn from my checking account every month as well as extra payments made directly from me. I do not get a statement every month it goes to my checking account. I was checking my credit today and see that Bank of America has reported me as being late most of this year. After being on hold for 30+ min I requested a call back. Thirty more mins later I was called back. After going through all my information. I went through what was told to me and that I was told that with setting up a auto with draw I would no long have late fees and would not have any negative reported on my credit. I was told that my due date was not changed and that they would try to do that for me know. Then she came back on and said that she could not change my due date because the account is closed. I asked to speak with someone who could help. I was transferred to the wrong department, the banking department. Then I was transferred to a third person that I had to go over all my personal information with and the story of why I was calling. I was put on hold for a few minutes. When the person returned they said they can not help me and transferred me to a fourth person. This person asked all the same questions and stated that I was late on my payments because I was not caught up for the past late payments and that since my payments were not being paid till the XXXX I did not get paid up till XX/XX/XXXX. He then told me that there is nothing that he can help me with. I became upset and was asked to be transferred to a manager or someone who could really help. Passed on for the fifth time. At this point I had been on the phone for another 34 mins. I spoke with XXXX XXXX out of AZ XXXX XXXX XXXX. At this point I said I am sorry but I am not in the best of mood due to the run around. XXXX told me that I had put in a complaint in XXXX about this issue. I have no idea where that complaint came from but I do not recall speaking with anyone. I told her my story once more. She told me I was mistaken and that I did not have my payment change and the went through the repayment plan that I was put on. The problem was that I was told my payment date would be changed and that I would be having no negative recorded on my credit. I understand what she was saying about the payment plan but I was not told that in anyway. Why would I set up auto pay for a date past my due date unless I was told that my due date would be changed. I asked for copies of the conversation when it was all set up. I was told they do not have them all they have are their notes. I have my notes as well and it says very clearly that my due date would be changed to the XXXX. I am upset that they can tell you what ever they want on the phone and put something different in the notes and I am stuck by the notes not the information I was given.
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

2016-10-18

Wrentham, MA

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I mistakenly over paid of my Bank of America. The payment cleared in 24 hours. Why does it take 2-5 business days ( possibly 7 days ) to return the money back into my account? They have had {$13000.00} of my money sitting there. Why can they take your money so fast but be so slow returning it?
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

2016-10-17

Blmgtn, IN

Payoff process

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

2016-10-17

Leesburg, GA

Account opening, closing, or management

Bank account or service: (CD) Certificate of deposit

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