BANK OF AMERICA, NATIONAL ASSOCIATION

2016-10-12

Lutz, FL

Disclosure verification of debt

Debt collection: I do not know

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

2016-10-12

Atlanta, GA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I was a victim of debit theft. The person actually went to the atm and withdrew money out my account. My car was stolen in the time period between you dont have money and pay day. I really dont use my card to much then but to fill up my tank. So when I did call Bank of america I filed my claim. I told them my pay check is coming will you be taken money from my check. When the people stole my money they took my pay check money. So I went a whole week with out pay. I was reassure my money was safe. I am behind on bills. Bank of America took my whole pay check. I was able to take XXXX dollars out which was for bill but now in turn its for gas for the week. I am behind on my rent. I still will behind. Do you think a big Bank like that will help me out no. I am hurt and super sad. I asked the customer service representative if they will take money from me and she assured me they would not. When you file the claim you are guilty before innocent.
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

2016-10-12

Barrington, 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: Yes Timely Response

2016-10-12

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: For four years, from XXXX XXXX, XXXX though XXXX XXXX, XXXX, Bank of America has never provided written notice on appeal, or any notice detailing the exact reason ( s ) for denial on appeal, or aprovided any statement indicating one can obtain the documentation in which a denial is based upon. Upon receipt of my complete RMA application for a foreclosure prevention alternative offered by, or through, the Bank of America mortgage servicer, a mortgage servicer, trustee, mortgagee, beneficiary, or authorized agent, Bank of America shall not cause he recording of a notice of sale or conduct a trustee 's sale while the complete foreclosure prevention alternative application is pending, and until the borrower has been provided with a written determination by the mortgage servicer on appeal regarding that borrower 's eligibility for the requested foreclosure prevention alternative. Following the denial on appeal of a first lien loan modification application, the mortgage servicer shall send a written notice to the borrower identifying with specificity the reasons for the denial and shall include a statement that the borrower may obtain additional documentation supporting the denial decision upon written request to the mortgage servicer. If foreclosure alternative is approved of in writing, servicer can not record an NOD, NTS, or conduct a sale while borrower is compliant with agreement, or has provided servicer proof of funds/financing, or is awaiting the written notice in accordance with California Civil Code 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

2016-10-12

Soquel, CA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: 1 ). Bank of America, without proper notification in writing, closed a business account ending with XXXX. This business account closure could interfere with XXXX, and several other factors. Account is in the financial red due to reasons explained in XXXX -- XXXX, XXXX, ESTATE, LEGACY AND ASSET CRIMES FILE. Intentions were to align the account in XXXX, when renovation payoffs were hoped to be completed. ( Partnerships can lend to one another by law ). BofA was NOT given permission to access account. Privacy invasion, possibility. 2 ). Possible lie by Bank employee. Inconsistency flags a statement by BofA employee, Bank does not have authority nor can it access the client 's account without their permission. It has happened, inconsistency flags untruthfulness. WHAT IS BOFA POLICY ON THIS, PLEASE. 3 ) Closure of debit/credit card within the action of aforementioned on another separate, personal/trust account used for trust and estate expenses, without any proper notification nor permission in course of aforementioned. Several transactions were processing such as XXXX insurance payments, utilities, other allowable transactions. There was plenty of funds in the account, over {$400.00} on XXXX/XXXX/XXXX, after all the payments in process, processed -- over a XXXX prior to processing. I went into a XXXX grocery store I frequent as a favorite, to buy homemade chicken soup ingredients for my late parents XXXX I was asked to care for, needs covered in trust documentation. A management level employee, was at the cashier 's counter, tallied the overall groceries to be {$41.00}. The soup and chicken is vital in sustaining their XXXX, nearly soon to be XXXX years old. ( There were a few other necessary items, as the trustee if not salaried, by federal and state, US Constitutional laws, also be entitled to eat and drink by law, to have energy to keep working in a job with stated income of $ XXXX per year, but because of reasons in aforementioned XXXX XXXX, legacy, assets crime file, this right by law denied, while Justice being pursued. WITHOUT ANY TEXT, Notification, Reason, card ending in XXXX was closed. Fortunately, I had my checkbook with me. This, combined that I am a known regular at XXXX 's, for decades, I wrote a check for {$41.00}, check number XXXX. I offered to go to the Bank to get cash, but the Manager was very nice to accept the check after the snags with the debit/credit card. NO EXCUSE TO BLINDSIDE WITH CREDIT OR DEBIT CARD CLOSURE, EITHER TEMPORARY OR OTHERWISE WITHOUT NOTIFICATION BY TEXT OR OTHERWISE, TO CUSTOMER. DEPENDENT UPON CUSTOMER, THIS CAN BE A HUMILIATING, UNWARRANTED EXPERIENCE, ESPECIALLY WITH ENOUGH SEVERAL TIMES OVER IN THE ACCOUNT. Invasion of privacy and rights by bank not appreciated. If any unauthorized activity is a concern by the Bank -- I appreciate notification by text. This has happened before and I have appreciated the texts, safeguarding by BofA. The debit/credit card was temporarily blocked, as recent transactions were confirmed if these were really generated by myself. All was fine when I verified. THESE TWO DIFFERENCES IN DEBIT/ CREDIT APPROACHES BY BOFA ARE NOT TO BE CONFUSED NOR MISUNDERSTOOD. IT IS OKAY FOR BOFA TO VERIFY TO PREVENT FRAUD WITH PROPER AUTHORIZATION AND NOTIFICATION -- THE BLINDSIDE, AS DESCRIBED AT THE GROCERY STORE IS THE ISSUE. ONE EXPECTS THEIR CARD TO WORK JUST FINE AND THE CUSTOMER FINDS OUT AT THE GROCERY STORE, WITHOUT ANY REASON, NOTIFICATION THAT IT IS CLOSED. ( LATER IN THE DAY I DISCUSSED CARD/ACCT WITH XXXX XXXX AT THE BOFA BRANCH IN XXXX XXXX, AS I HAVE HAD THE PLEASURE TO WORK WITH XXXX XXXX, BOFA MANAGER, WHO WAS NOT AVAILABLE, XXXX/XXXX/XXXX ). ( I WISH TO CLARIFY THAT THERE ARE NO ISSUES WITH XXXX BOFA BANK OR THE EMPLOYEES MENTIONED BY NAME -- THESE XXXX WOMEN HAVE BEEN AS IDEAL AS POSSIBLE, VERY HELPFUL. THANK YOU.
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

2016-10-12

San Jacinto, CA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Bank Of America did not notify me prior to placing hold on my account. They were served a Levy on XXXX XXXX, 2016 same day my funds were placed on hold, my only income ( pension ). I was not notified by the collector Levy was mailed to me same day. I am almost XXXX years of age worked hard all my life, until I had to take early retirement due to illness. This has placed in hardship with overdraft bank charges. I have filed complaint against the H.O.A. as well through this system.
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

2016-10-12

Grosse Ile, MI

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: We have an old second mortgage with bank of america that was DISCHARGED in a chapter XXXX bankruptcy. We have opportunity to refinance as we have a high rate ( 8.1 % ) mortgage but bank of america WANTS US TO MAKE PAYMENTS ON A MORTGAGE THAT WAS DISCHARGED IN BANKRUPTCY. We owe much much more on the home than value even the first mortgage ( owe {$190000.00} first mortgage house worth {$160000.00} ) so we do n't understand bofa and why they want to have us make payments. The first mortgage is helping but bofa is very uncooperative.
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

2016-10-12

San Diego, CA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Bank of America, is hold back transections to trigger overdraft charges.
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

2016-10-12

Frederick, MD

Making/receiving payments, sending money

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

2016-10-11

Delray Beach, FL

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 explanation

Disputed: No Timely Response

2016-10-11

E Syracuse, NY

Credit line increase/decrease

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

2016-10-11

Seattle, WA

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 non-monetary relief

Disputed: No Untimely Response

2016-10-11

San Tan Valley, AZ

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

2016-10-11

Allen Jay, 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

Disputed: No Timely Response

2016-10-11

Gastonia, NC

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

2016-10-11

Alexandria, VA

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

2016-10-11

Bethesda, MD

Customer service/Customer relations

Other financial service: Foreign currency exchange

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

2016-10-11

St Heights, MI

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

2016-10-11

Houston, 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

2016-10-11

Gilroy, 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

Disputed: No Timely Response

2016-10-11

Las Vegas, NV

Using a debit or ATM card

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

2016-10-11

Saint Clair, MO

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

2016-10-11

Houston, TX

Disclosure verification of debt

Debt collection: I do not know

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

2016-10-11

Lilburn, GA

Problems when you are unable to pay

Consumer Loan: Installment 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

2016-10-11

Knightsville, SC

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