BANK OF AMERICA, NATIONAL ASSOCIATION
Consumer Complaints
There are over 87057 complaints on file for BANK OF AMERICA, NATIONAL ASSOCIATION. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 1046
2016-10-12
Forest Heights, MD
Billing statement
Credit card:
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-10-12
Plainsboro, NJ
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
2016-10-12
Meiners Oaks, CA
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
2016-10-12
Lilburn, GA
Problems when you are unable to pay
Consumer Loan: Personal 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
2016-10-12
Huntington Park, 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
2016-10-12
Silver Spring, MD
Account opening, closing, or management
Bank account or service: Checking account
Complaint: I Had money save up on money orders i deposit into my bank account a few days later my account is being close Bank of american never gave me a reason for closing my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-10-12
Billerica, MA
Using a debit or ATM card
Bank account or service: Checking account
Complaint: I had gone to XXXX XXXX to buy sofas. The woman at XXXX XXXX had made an error in an ottoman and had cancelled one part of the purchase and billed us again. Bank of America has flagged it as fraudulent and we agreed, not recognizing the charge. Our debit card was called and the funds for the sofas were held in limbo, the bank saying that it had gone through but then XXXX XXXX saying they had not gone through. XXXX XXXX then wanting us to charge our card again. Finally we cancelled the purchase but while waiting for he XXXX to be credited back to our account, our account was in the negative and we had XXXX overdraft fees. This was complicated by XXXX charging us for a move and then canceling their charge. We thought then we had more effective funds and they charged us again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-10-12
San Diego, CA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Complaint: To date, I have lodged fifty-five bona fide CFPB complaints involving Bank of America and the loss mitigation processes including, but not limited to, the foreclosure process. Bank of America has consistently refused to take these opportunities to deal with me in good faith and actually conduct though reviews of the records for the purposes of resolving the matters presented.
Before a trustee 's deed has been recorded I may obtain injunctive relief for material violations of the California Homeowners Bill of Right 's ( CalHBOR ) pre-NOD outreach, dual tracking, SPOC, post-NOD outreach, application acknowledgement, late fees, servicing transfers, or document reliability provisions per California Civil Code XXXX ( XXXX ).
After a trustee 's deed has been recorded I may obtain actual economic damages for material violations of the above provisions, if the violation was not remedied before the deed was recorded. Borrowers may obtain the greater of treble actual damages or $ XXXX in statutory damages, plus exemplary and punitive damages, for intentional, reckless, or willful violations per California Civil Code XXXX ( XXXX ) A rescission of an NOD or cancel a pending sale in accordance with California Civil Code XXXX ( XXXX ) is appropriate in this instance as the NOD has been recorded in error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-10-12
Cherry Brook, MA
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
2016-10-12
Soddy Daisy, TN
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
2016-10-12
Cleveland, OH
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
2016-10-12
Charlotte, NC
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
2016-10-12
Heath, TX
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
2016-10-12
San Diego, CA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Complaint: Bank of America can only initiate foreclosure 30 days after contacting ( or diligently attempting to contact ) borrower to discuss foreclosure alternative in accordance with California Civil Code 2923.55 ( a ). Only after ensuring the NOD, NTS, assignments, and substitutions of trustee are accurate and complete and supported by competent and reliable evidence in accordance with California Civil Code 2924.17 ( a ), and after substantiating the borrower 's default and servicer 's right to foreclose in accordance with California Civil Code 2924.17 ( b ).
Bank of America has not complied with the California Homeowners Bill of Rights as declared in the Bank of America California Declaration of XXXX XXXX, 2016, page XXXX of the XXXX XXXX, 2016 Notice of Default ( NOD ). Bank of America 's substituted trustee, XXXX ( XXXX ) and their third party servicer XXXX XXXX, did n't even know this borrower has been previously approved, offered and accepted a MHA HAMP or this home loan mortgage account is Housing and Urban Development ( HUD ) insured demonstrating noncompliance with the California HBOR as referenced above.
According to Bank of America 's own generated documents and documentation, the Bank has not contacted or attempted to contact me prior to the recording of the XXXX. Bank of America 's own records also indicate this home loan mortgage account and borrower remains pending in the modification process. If Bank of America 's own records are not competent and reliable evidence then the only record to be considered is the first-hand account of the borrower.
I know Bank of America has not complied with the XXXX ) enforced by the California HBOR and have not demonstrated the right to begin the foreclosure process to date. Generating correspondence that do not address my concerns and cite previously bank generated documents does not establish the contents of those documents as truths, especially when those documents cited are post XXXX XXXX, 2016, the date of the Bank of America Appeals Department Appeals Report and supporting documentation granting MHA HAMP and directing the Bank of America Underwriting Department to forward borrower into a MHA HAMP TPP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-10-12
San Diego, CA
Loan modification,collection,foreclosure
Mortgage: Other mortgage
Complaint: Bank of America has not complied with or conducted pre-foreclosure outreach requirements.
Before recording the NOD, servicer must provide the borrower with a written statement outlining documents borrower may request per CC XXXX ( XXXX ) ( XXXX ) ( XXXX ), contact borrower by phone or in person to explore foreclosure alternatives and to offer a subsequent meeting, which must occur within 14 days of meeting request per CC XXXX ( XXXX ) ( XXXX ). If above contact is unsuccessful then servicer must send a first class letter, attempt telephone contact on 3 different days and times, and finally send a certified letter with return receipt requested, giving HUD counseling information per CC XXXX ( XXXX ).
Bank of America never provided me with a document as indicated above. While XXXX sent a letter to me prior to the recording of the defective and deficient NOD recorded XXXX XXXX, XXXX, XXXX was not the substituted trustee at that time making any contact by XXXX moot as it predates the XXXX XXXX, XXXX Substitution of Trustee signed by Bank of America Assistant Vice President XXXX XXXX XXXX. XXXX had no right, as a matter of law, to initiate the foreclosure process prior to the recording of the Substitution of Trustee. Equally important, I had no knowledge that XXXX acted with authority or as beneficiary trustee prior to receipt of a XXXX XXXX XXXX Recorders Office certified recorded copy of the XXXX XXXX, XXXX Substitution of Trustee naming XXXX as the beneficiary trustee which I have not received to date. Who the XXXX is XXXX to me prior to being notified? For all I knew XXXX was XXXX of those scam debt collectors since Bank of America already decided to park and stall the MHA HAMP TPP process and had placed a Cease and Desist tag and code on the home loan mortgage account back in XXXX XXXX.
According to Bank of America letter of XXXX XXXX, XXXX, Bank of America only attempted to contact me twice. This attempted contact was via telephone from a telephone line that gives no indication that the caller is Bank of America ( the caller ID is blocked ). If Bank of America wants to claim pre-foreclosure requirements have been met, then start with identifying yourself as Bank of America beforehand when you call. Otherwise, how is one to know the bank is attempting to make contact?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-10-12
El Paso, TX
Settlement process and costs
Mortgage: VA mortgage
Complaint: To who it may concern, My name is XXXX XXXX. My complaint is for Bank of America! We are trying to refinance our home for a lower interest rate but Bank of America has very uncooperative. On XXXX 2013 we got a letter from Bank of America saying that our account had been sold to XXXX XXXX Services. So all these years we having been paying XXXX XXXX XXXX and now that we are trying to refinance Bank of America says we owe them {$80000.00}. Imagine my surprise to hear that I owe Bank of America that amount of money! So I called Bank of America to get a letter saying that we owe them that money to include it on our refinance or where that amount came from. So when I made that call it took me 7 calls and 7 transfers with 7 dropped calls where they would say they were transferring me to a supervisor and they would hang up on me. Bank of America told me they could not give me a letter because I owed that amount and their collection department ca n't give me a letter either because they have nothing under my social security # or account. XXXX XXXX XXXX has no record of nothing under that amount when our account was sold to them. I was not aware that I could put a complaint against them. It has been a very frustrating process with Bank of America, rude, unprofessional and certainly not Helpful!!! We are 3 days away from losing our 3 % intrest rate due to their uncooperative behavior. If we lose it who knows if we will get our appraisal money back from this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2016-10-12
Las Vegas, NV
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
2016-10-12
CA
Credit card protection / Debt protection
Credit card:
Complaint: Bank of America needs to hold me harmless as their client. On XXXX/XXXX/2016 at approximately XXXX PST XXXX XXXX from BofA fraud dept. contacted me to state that I was a victim of an employment SCAM & the fraudulent company XXXX XXXX ( XXXX XXXX XXXX ) frauded me by stating they hired me as a Purchase Agent/Manager and I would be fronted money ( {$15000.00}. & {$12000.00}. on XXXX ) to my Personal BofA Visa card from the Company Checking account that my name was added. The Money ( $ XXXX ) was fronted to my personal VISA until I received my corporate Charge card in 2 weeks. In the meantime, in order to make purchases for my job the Company would make Payment on my Visa of $ XXXX & $ XXXX on XXXX. The payment was called into BofA Visa with Account # & Routing # via instruction from XXXX. Per BofA Visa, the $ XXXX & $ XXXX payment was PENDING CLEARANCE by BofA and credit would be released when cleared. After a couple days BofA cleared the payments and made the $ XXXX & $ XXXX as available on my Visa card. After that I was instructed by my XXXX ( New Employer ) to start my XXXX P.O. ( Purchase Order ) where on XXXX/XXXX/2016 I was instructed to purchase gift cards from XXXX, XXXX, XXXX, & XXXX. Purchases where made for {$27000.00} worth of gift cards as instructed as my XXXX assignment as a Purchasing Manager by XXXX. Once again I was to use the funds from payments of $ XXXX total by XXXX on my personal VISA until I received my XXXX Corporate Charge card in 2 weeks. I purchased the $ XXXX of gift cards with the understanding that BofA had cleared those payments, I was told by my Manager at XXXX ... '' good Job ''. I will give you another order after we make more payments to your Visa, stay tuned. I trusted Bank of America as their customer that the XXXX payments totaling $ XXXX had cleared and that if there is any liability to be had it is with BofA or the issuing bank. On XXXX/XXXX/2016 XXXX XXXX of BofA Fraud dept. contacted me to state that my VISA account was frozen and account closed due to Fraudulent Payments and activity. I was to cease contact with XXXX and contact the XXXX credit bureaus and place a 7 year FRAUD ALERT on my credit reports, XXXX of BofA instructed me to contact my local Police department in XXXX CA and make a Police Report, then go to my local BofA Branch and change my password and PIN # 's for my BofA accounts. I did make an XXXX Police report with Officer XXXX Report ( XXXX ) # XXXX ) on XXXX/XXXX/2016. Bank of America 's XXXX XXXX said she knew this was alot to take in but continued to state that even though BofA cleared the payments to my VISA to allow me to make Purchases ... that the Payments were REVERSED and that I would be responsible for the $ XXXX & $ XXXX payments that were reversed from the XXXX Account # and Routing # that BofA CLEARED. I trusted my Bank that they actually cleared the payments and BofA should not hold my liable when they CLEARED the Payments. XXXX created additional stress by stating that if I had trouble paying this back I could talk to a DEBT MANAGEMENT XXXX party non-profit Consumer Credit Counseling and they could give me guidance. I said to XXXX at BofA. " how could I be liable when you just stated that that I was the victim of an elaborate employment SCAM ''? Bank of America should be helping me as I am a faithful LONG TIME Customer of theirs. I should be held harmless. I told XXXX that I will be disputing the purchases of the {$27000.00} because the purchases were made based on BofA Clearing the $ XXXX & $ XXXX payments. BofA should not have cleared the payments if they knew it was fraud. As a long time customer of Bank of America, I should be held harmless and not liable for the payments that BofA cleared. Once again BofA said to me that I was the victim. FYI, I have filed a report with XXXX at the FTC on XXXX/XXXX/2016 Reference # XXXX. This claim and dispute is under investigation by BofA, I need help to hold me harmless.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-10-12
Brooklyn, NY
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: I have XXXX accounts with Bank Of America and they have altered the account numbers so that they can continue to report it to the credit bureaus despite the accounts being written off and over ten years old
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2016-10-12
NC
Account opening, closing, or management
Bank account or service: Other bank product/service
Complaint: My promotion of 0 % APR with Bank of America, card ending XXXX, was ending with my XXXX. Statement which was not due till XXXX XXXX. My balance was {$4700.00}. I was transferring my BOA acct to my XXXX Acct to keep a 0 % APR for another year. I was also transferring my XXXX acct, card ending XXXX, in the amount of {$4400.00}, to my BOA card, ending XXXX to also keep a 0 % APR for another year. Okay, I made a payment of {$70.00} on my BOA card XXXX leaving a balance of {$4600.00} to transfer to XXXX. The payment due was only {$47.00}. ( XXXX pg of attached doc ) XXXX paid BOA on XXXX/XXXX/16, {$4600.00}, and it was posted on XXXX/XXXX/16 BEFORE my due date of XXXX XXXX. ( last pg of attached doc ). BOA is claiming my promotion period ended on XXXX XXXX, so they charged interest on the {$4600.00} from XXXX XXXX thru XXXX XXXX at 16.99 % on my bill I just received of {$29.00} which should have never been charged me!!! Any promotion period should end at the due date of any billing month and not at the first of the month ; that 's where the bank is ripping people off! On my bill ( last pg of attached doc ) you will see where my {$4400.00} ( XXXX balance ) was transferred to my BOA acct XXXX with my 3 % transaction fee of {$130.00}, which I agreed to that fee. BOA told me my minimal payment would be 1 % of the total balance. My mimimal payment is {$75.00} which is 1 % of the total amt of {$4600.00} ( which includes the XXXX ) and then they are adding the {$29.00} to the 1 % of {$46.00} which is {$75.00} or {$75.00}. Then BOA tells me, the {$75.00} payment WILL NOT be allocated to pay the interest charge of {$29.00} and then my 1 % of {$46.00}, that the whole {$75.00} would be going to my transferred balance of {$4500.00} ( XXXX + XXXX ) and for me to get that {$29.00} off of the bill I would have to pay it in excess of the {$75.00} pmt. XXXX! Otherwords, the {$29.00} would stay on there and build interest every month and would be added every month to my 1 % minimal pmt that would never be 1 %. Plus, the credit card would never get paid off. The XXXX would set and build and build and build. BOA ca n't tell me they ca n't allocate the {$75.00} first months pmt because I work in Finance and I know it can be done. I have an accounting degree and I am not stupid. This is crooked as a snake and it is dirty for a bank to this to people!! I am XXXX years old, single, have a house pmt, car pmt and all other bills on me with a minimal income and I do n't need no money hungry bank or institute ruining my credit after I 've spent about 40 years building it to an Excellent rating. BOA told me they would stop the interest from being applied hereafter to the {$29.00}, but I do n't trust that! I want the {$29.00} taken off of my account as I kindly requested, and they would not do it. As I said, it should have never been placed on my acct. It 's no wonder folks ca n't get out from under credit card debt, because of crooked, money hungry institutions doing XXXX like this!!! If it would n't be for me having another 3 % transaction fee and a 2 % or 3 % minimal pmt amount, I would transfer this money to one of my other cards, but here again banks do n't realize people ca n't afford 2 % and 3 % minimal pmts on the credit card balances. We 're living in a hurting economical world for people to live especially the middle and lower class folks like myself. Something needs to be done to stop banks from doing XXXX like this!!! I would appreciate if you could get BOA to take the {$29.00} off my bill. As I told the Rep and the Manager I was speaking to, I pay extra on my account every month and they would n't consider waiving this {$29.00} fee. How patethic is that!! CFPB, if you can help, I would appreciate anything you can do. If I can sue BOA, please let me know, cause I will!! Thank you for being here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-10-12
South Florida, FL
Using a debit or ATM card
Bank account or service: Checking account
Complaint: I have been banking with Bank of America for about 6 months. I am XXXX XXXX XXXX and i currently work XXXX part time jobs. On XXXX XXXX, my car was vandalized while I was washing clothes at my local laundromat, someone punched my window in order to steal my purse, I called my local Police Department, XXXX XXXX Police Department to file a report. Mind you the only items stolen were my FL license, Bank of America Credit Card ( which I 'm only an authorized user of ) and XXXX XXXX credit card. Later during the night, before midnight I get a notification from Bank of America advising my account is below balance. I then log in and realized a withdrawal of XXXX was made, but as i keep scrolling a little bit more it shows a ATM check deposit of XXXX into my account was pending. I immediately call the bank and explain the situation and let them know i did not do those two transactions, they tell me not to worry the check was on hold and would n't be deposited into my account and that the XXXX were " tried '' to be withdrawn but was never given to the person. I ask how is it possible for someone to deposit a check into my account without having my debit card with them. My debit card was not stolen because I usually keep it in my phone case. They explain Bank of America has new ATM s with Teller Assist and that no debit card, or account number is required. just an I.D . I was not satisfied with their explanation so early morning as I 'm getting my window replaced I log in and check the image of the check, it turns out it is coming from XXXX XXXX, XXXX. I take matters into my hands google this person and find it to be a realtor from XXXX, i also find a telephone number. I call him and explain that his check was being deposited into my account and that I had call the bank and said i did not deposit that. He tells me that same day XXXX XXXX his computer was stolen with other belongings from his car and that he did n't recall he had checks in there until my call and thanked me for letting him know that was being done. I agreed to help him out with the investigation and even swapped police reports to help each other out. Later that morning I go into a Bank of America Financial Center on XXXX XXXX XXXX XXXX and tell them what 's going on. The relationship manager XXXX, is able to help me out and helps me file a claim for the XXXX withdrawal, but cant do a claim for the check since its still pending. He communicates to me that he will put notes in the system and I provide him with the police report. Next day I try to access my Online Banking and it says my account is locked. I return to the bank after work and I 'm told my account was closed and that there is an investigation. at this point I 'm frustrated because that is my only checking account were I receive my Direct Deposit every Friday. The bank also did not cooperate when it came to gathering location, and time of where the transactions were made to file my fraud report with the police. They transferred me from claims Department, to Risk, back to customer Service with no help. Today XXXX XXXX, I receive a letter from the Bank of America stating the my account was permanently closed, and over drafted amounts will be charged and that they will be reporting my account to XXXX. My concern and frustration comes from realizing this Bank is one of the biggest and most popular banks in America and probably Worldwide, with the top technology, and cameras all over their ATM s. And you are telling me that you are closing my Bank Account and reporting me to XXXX for a check that i did not deposit into my account. Also with me telling you the debit card is with me and not even bothering checking your surveillance in order to catch these thieves! All Bank of America cares is not losing money, they do n't care about Customer Service and most defenetly they do n't c
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-10-12
AZ
Cont'd attempts collect debt not owed
Debt collection: Credit card
Debt was paid
Complaint: i pay to a collection agency back on XX/XX/2015 and a new collection agency is taking me to court. I submitted prove of payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-10-12
Superstition Mtn, AZ
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: Bank of America has consistently been unwilling to work or resolve my complaints about my account, specifically in regards to overdraft fees. It is because of my overdraft fees that I am unable to keep current on my account, I have incurred hundreds of dollars ( over {$1000.00} ) of fees from the bank from the last year alone while not having a large income by any means. This has left me in a cycle of being short on funds to pay for bills and committed to the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-10-12
Newnan, GA
Making/receiving payments, sending money
Bank account or service: Checking account
Complaint: I am a victim of identity theft through mobile app from banking with Bank of America with XXXX checks deposited in my account of fraud that i have no idea of why were they deposited into my account and the Bank of America immediately located me and closed my account so now I am not able to get another account with any other bank and I just do not think that Bank of America handled my situation in a great matter because It has been over one year now and I am still not able to open another account with any other bank and other banks want to but Bank of America sent me in under the XXXX which XXXX is willing to remove the notification after the investigation that I had but Bank of America is being very rude due to the fact that I am not guilty of this situation and it is hurting me because other banks wants to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2016-10-12
Morristown, TN
Settlement process and costs
Mortgage: FHA mortgage
Complaint: my identity was stolen from Bank of America supporting documents show this info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation