BANK OF AMERICA, NATIONAL ASSOCIATION

2016-10-15

Simi Valley, CA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Applied for a mortgage modification with Bank of America after two years we realized that the process was not honest. We had XXXX different loan officers submitted government XXXX forms over and over, resubmitted bank statements, hardship proof statements, paystubs, social security awards letters and proof of income and work statements. We were constantly told the process is with the underwriters only to have another requirement. We had telephone appointments to make and it was just a waste of time. Hope you could help other people avoid this.
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

2016-10-15

FL

Deposits and withdrawals

Bank account or service: Cashing a check without an account

Complaint: XXXX COMPLAINT AGAINST BANK OF AMERICA EMPLOYEES : FOR DENIAL OF BANKING SERVICES// UNDER CFR : TITLE XXXX - CHAPTER XXXX - PART XXXX - SECTION XXXX - SPECIFIC DISCRETIONARY ACTS PROHIBITED/ VIOLATION OF FINANCIAL INSTITUTION CODE OF ETHICS GUIDELINES - FOR DISHONESTY, CONSPIRACY AND COVER-UP'S/ AND FOR BEING GROSSLY INCONVENIENCED ON THE DATE OF XXXX XXXX, 2016. I XXXX XXXX, WENT TO THE BANK OF AMERICA LOCATED AT : ( XXXX XXXX XXXX XXXX, XXXX XXXX, FLORIDA XXXX ) TO CONDUCT A SIMPLE BUSINESS TRANSACTION. UNBEKNOWN? WHAT I WAS ABOUT TO ONCE AGAIN EXPERIENCE. I PROCEEDED INSIDE THE BANK, WITH THE EXCEPTION OF CASHING MY CHECK. UNFORTUNATELY, THE EMPLOYEES AT THE BRANCH HAD OTHER THINGS IN MIND. I OBSERVED THEM PROFILING ME, AS I STOOD IN LINE, AND WAITED, AND WAITED, AND DONE EVEN MORE WAITING. APPROXIMATELY THIRTY MINUTES HAD ALREADY PAST. THE THOUGHT 'S THAT IMMEDIATELY FLOOD MY MIND, WERE ... " AM I ON AMERICA MOST WATCHED ''? I COULD ALSO SEE XXXX XXXX AND XXXX XXXX, ( FROM THE NAME 'S ON THEIR NAME PLATES ) EXCHANGING WORDS. EVENTUALLY, I WAS FINALLY CALLED TO THE SERVICE COUNTER. XXXX XXXX SAID, " HOW MAY I HELP YOU ''? .. AND I REPLIED, " I WOULD LIKE TO CASH THIS CHECK ''. SHE ASKED, " DO YOU HAVE AN ACCOUNT WITH US ''? AND I SAID, NO! AND SHE MADE IT APPEAR, AS IF SHE WAS TRYING TO PROCESS THE CHECK. SHE ABRUPTLY STATED ... '' I WILL HAVE TO GET A MANAGER TO VERIFY THE CHECK ''. SHE SIGNALED TO THE MANAGER, XXXX XXXX. WHOM CAME OVER TO SERVICE COUNTER. XXXX XXXX THEN BEGAN TO EXPLAIN WHAT SHE REQUIRED OF HER. AND HANDED HER THE CHECK AND MY CREDENTIALS. XXXX XXXX, THEN LED ME AWAY FROM THE SERVICE COUNTER, OVER TO THE ATM WITH TELLER ASSISTANT. AND ONCE AGAIN? I FIND MYSELF, WAITING IN ANOTHER LINE. SO, I EXPLICITLY EXPRESSED MY FRUSTRATION ; ... OUT, ALOUD! AND SHE SUGGESTED, THAT I MOVE TO THE FRONT OF THE LINE. NOW THEREFOR, IF THE CHECK NEEDED TO BE VERIFIED BY A BANK MANAGER? AND THE ONLY WAY TO ACHIEVE THIS ... WAS TO COMPARE THE SIGNATURE WITHIN THE BANK OF AMERICA COMPUTER SYSTEM ; WHILE PHYSICALLY VIEWING THE CHECK. WHY THEN? ..WAS I MISLED, TO BELIEVE, THAT IT COULD BE DONE AT THE ATM TELLER MACHINE. AND WHEN I THOUGHT, THAT THINGS COULD N'T GET ANY WORSE? .... IT DID! ..AND FOR NO GOOD REASON, WHATSOEVER ... THEY INTENTIONALLY CAUSE THE ATM TELLER SERVICE TO SHUTDOWN. AND IT SUDDENLY BECAME INOPERABLE. THE ADDED DELAY 'S WAS MANUFACTURED TO FURTHER INCONVENIENCE XXXX XXXX. BECAUSE, THEY KNEW ... THAT THEY WERE BEING DISHONEST. THE FUNDAMENTAL CONCERN THAT I 'M HAVING ISSUE 'S WITH, IS THIS? EVEN THOUGH THE ATM MACHINE PLAYED A SIGNIFICANT ROLE. IT WAS NOT THE PRIMARY CAUSE TO THE PROBLEM. ( IT WAS THE HUMAN FACTOR!! ) WHOM ORCHESTRATED AND CAUSE THESE THINGS TO HAPPEN. SO, IF YOU ( ELIMINATE OR MINIMIZE ) THE HUMAN INTERACTION WITH BANK CUSTOMER 'S. AND INSTALL FULLY FUNCTIONAL AUTOMATED ATM SYSTEM 'S. IT MAY STOP SOME OF THESE CLAIMS, THAT BANK OF AMERICA WILL FACE IN THE FUTURE. ANOTHER THING? ... I DID NOT CAUSE THIS UPON MYSELF. I WENT TO THE BANK FOR ONE THING, AND ONE THING ONLY! AND THAT WAS? TO CONDUCT MY BUSINESS, BY CASHING THE CHECK AND GETTING OUT OF THERE.. PRIOR TO THIS? ON TWO OR THREE OTHER OCCASIONS, AT THIS PARTICULAR BRANCH ; ... I WAS ABLE TO CASH CHECKS. THAT WAS ENDORSED BY THE SAME ACCOUNT HOLDERS NAME, THAT 'S PRINTED ON THE CHECK. SO THEREFORE, IF THE CHECK WAS FORGED? .. ( WHICH IT WAS N'T. ) THE ACCOUNT HOLDER 'S WOULD HAVE FILED A CLAIM FOR THEFT. ( TO MY KNOWLEDGE? ) .... THE BANK EMPLOYEES HAD ALREADY CONSPIRED, TO NOT ASSIST ME, WITH GETTING THE CHECK CASHED. ... ATWHICH, I DISCOVERED LATER ON TO BE THE OUTCOME. BANK OF AMERICA EMPLOYEE 'S FRIVOLOUS REASON, WHICH THEY GAVE FOR THE DENIAL OF SERVICE, WAS? ... " THE SIGNATURE OF THE ACCOUNT HOLDER, DID NOT MATCH, WITH WHAT THEY HAD ON FILE ''. THIS IS 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

2016-10-15

Clarkesville, GA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: Bank of America keeps charging me a maintenance fee when they are not supposed to. I filed a complaint about this once before and the bank called me, refunded the fee, and promised it would not happen again. This time, they charged the fee to my savings where I did not notice it for over a year.
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

2016-10-15

Christmas Vly, OR

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am facing a foreclosure sale by my mortgage lender Bank of America. I have gone through major hardship the last few years and was hopeful that they would negotiate with me fairly, but instead they have ignored my repeated requests for assistance. I am a single mother raising XXXX boys and this is a bank that received billions of dollars in bailout money from the government. This is not right. I bought my home in XXXX. At the time my husband worked full time and was the primary source of money. I worked several part time jobs. Not long after I bought our house my husband was arrested and went to jail. I suddenly had to not only raise the children but was the sole source of income. I was able to make ends meet for one year, then I lost XXXX of my XXXX part time jobs. My husband was released from jail but was XXXX, and I was in desperate need of help. I fell behind on my mortgage first in XXXX and tried to get Bank of America to work with me but could not make any progress. I did not give up and was able to find new work and somehow balance this with taking care of my boys. I eventually came up with {$17000.00} and paid this money to Bank of America so that I could get back into good standing with them. They gladly accepted this money. I told them that I needed help with my mortgage because there was no husband helping with the bills anymore and that I was barely making ends meet. Since I had paid and gotten caught up Bank of America did not care to help me. I ran into more problems with my employment and once again could not afford the payment and fell behind. I applied for a modification from Bank of America but could not make any progress. I called in many times and it seemed like all I did was play phone tag with the people there. They were not serious about helping me and I spent so much time trying to fix this issue but nothing came of it. I am very worried because they are now trying to sell my house at auction. I have a good job at the XXXX and they are increasing my hours. I can afford a reasonable payment if Bank of America would give me a chance and be reasonable, but instead they ignore me. When things were tough I did not give up, I got new jobs and worked hard to pay back Bank of America. I told them I needed help but they ignored me. I do not want to lose my home, I have XXXX boys to take care of and I fit into the rules for these government programs. If Bank of America would take the time to review my information they would know this.
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

2016-10-15

Glendale, CO

Other transaction issues

Money transfers: Domestic (US) money transfer

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

2016-10-14

Flowery Br, GA

Advertising and marketing

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

2016-10-14

E Atlantc Bch, NY

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

2016-10-14

Windsor, 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

2016-10-14

Bay Hills, NY

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

2016-10-14

Cheverly, MD

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: Yes Timely Response

2016-10-14

Lubbock, TX

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

2016-10-14

Aubrey, TX

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

2016-10-14

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

Disputed: Yes Timely Response

2016-10-14

Atl, GA

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 explanation

Disputed: No Timely Response

2016-10-14

Quartzsite, 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

2016-10-14

La Jolla, CA

Using a debit or ATM card

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: Yes Timely Response

2016-10-14

Quartzsite, AZ

Settlement process and costs

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

2016-10-14

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 explanation

Disputed: No Timely Response

2016-10-14

Waterbury, CT

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

2016-10-14

Maclean, VA

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

Disputed: No Timely Response

2016-10-14

San Dimas, 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: Yes Timely Response

2016-10-14

Ft Belvoir, VA

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: Yes Timely Response

2016-10-14

Lady Lake, FL

Using a debit or ATM card

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

2016-10-14

Newark, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Following up on case # XXXX Bank of America has responded via mail date XXXX XXXX, 2016 enclosing multiple copies of the ( 1 ) promissory note and security agreement ( 2 ) Affidavit of lost note. ( 3 ) Settlement statement and service notice. However, they failed to include : ( 1 ) Name of investor/ promissory note holder prior to BofA losing the note and after they lost the note. ( 2 ) BofA states that they indeed filed a XXXX but did n't include a copy of the document as well as did n't indicate whether it filed for release or not. The XXXX system does n't reflect any XXXX ever filed by BofA
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

2016-10-14

Boston, MA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I received a check from Bank of America for a residual balance on a closed account. Inadvertently, I cashed this check, which was beyond the " Void after 120 days. '' Initially the check was paid to my account. Then, the amount of the check, {$14.00}, was removed from my account, and I was imposed a {$12.00} returned item fee. In general, I find Bank of America 's fees to be deceptive as they are not clearly advertised, yet they are imposed frequently. I find the returned item fee of {$12.00} to be unfair as it is Bank of America who owes the {$14.00}. It is predatory to not only keep my money once the check is void, but then to charge me {$12.00} when I try to claim the money that is mine.
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