BANK OF AMERICA, NATIONAL ASSOCIATION

2016-10-06

Portland, OR

Other

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

2016-10-06

Las Vegas, NV

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

2016-10-06

Sacramento, CA

Application, originator, mortgage broker

Mortgage: Other mortgage

Complaint: Every time I would apply for a loan to purchase my first home. I am always told do that I can finance my property at XXXX , XXXX Ca XXXX, This home was purchased prices was {$160000.00} from a XXXX in XXXX. I had never purchased such a home at all. This individual used the my same XXXX number as mine the Deed # XX/XX/XXXX. The Date recorded from XXXX was XX/XX/XXXX.Documentation number is # XXXX. The seller name is XXXX. The lot building deed number is XX/XX/XXXX the buyer name XXXX , seller name XXXX , Then the other Deed was XX/XX/XXXX the buyer was XXXX the seller was XXXX After checking into this matter I discovered that these individuals had stolen and bought my information.
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

2016-10-06

Covington, GA

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: BANK OF AMERICA WRONGFULLY AND ILLEGALLY FORECLOSED ON THIS HOME Banks are n't supposed to foreclose on homeowners until they 've exhausted all available loss mitigation options. Per one of my conversations with the Escalation CEO office Department, XXXX XXXX on XX/XX/XXXX, the file WAS in an evaluation process. Currently there is a scheduled sale date set for XX/XX/XXXX and we feel that the sale should have been postponed due to the ACTIVE MODIFICATION REVIEW. Even if the modification were to be denied a few days or hours before the foreclosure sale, the homeowners still has the right for a 30 day appeal time frame or to decide whether they want to do a Short Sale, Deed-in-lieu or reinstate the loan. NONE of these options was granted to the homeowner and this is violating the laws. Only 10 days before the foreclosure sale ; Bank America needed a new updated signed RMA form, Homeowners association statement and the breakdown of the payments for the creditors on the bankruptcy, and the XX/XX/XXXX income tax returns. Why did the representative, XXXX at Bank of America, neglected to tell me that even though they were asking for more documents, that it really did not matter since the sale date was only 10 days from now and that per FHA guidelines, all the documents needed to be turned in 37 days before any foreclosure sale? WE DID NOT EVEN KNOW OF MORE DOCUMENTS THAT WERE NEEDED 38 DAYS AGO, UNTIL 10 DAYS BEFORE THE SCHEDULED FORECLOSURE SALE. I called Bank of America, and was confirmed that all the documents were received and that the file was in the underwriting department and that a postponement request had been submitted since all the documents were turned in. An appointment was scheduled with XXXX XXXX, the single point of contact for XX/XX/XXXX. On XX/XX/XXXX, I spoke to XXXX XXXX, for which he advised me that all the documents were turned in with FHA and that a postponement was submitted that past Friday XX/XX/XXXX and that the chances of the sale to be postponed were " pretty good since all the documents were in '' Nobody during our previous conversations, including XXXX XXXX, had told us about that specific 37 day time frame plus of any other documents needed until about 10 DAYS BEFORE THE FORECLOSURE SALE DATE. It 's not supposed to work that way. Under the federal program, which requires servicers to follow a set of guidelines for modifications, servicers must give borrowers a written denial before foreclosing. Bank of America is breaking the laws and not abiding by them.
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

2016-10-06

Del Valle Finance, CA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
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

2016-10-06

Bohemia, NY

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

2016-10-06

Las Vegas, NV

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 non-monetary relief

Disputed: No Timely Response

2016-10-06

Garland, TX

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

2016-10-06

Las Vegas, NV

Billing disputes

Credit card:

Complaint: I came across XXXX while searching for programs to supplement and expand on web XXXX skills. With prolific overwhelmingly positive reviews seen on various sources ( XXXX ) from previous students claiming successful outcomes, including internship placements and job offers, I applied. I had an interview with XXXX XXXX, as he introduced himself, whom I now know to be XXXX XXXX XXXX. As per the website, students were promised at least XXXX mentor sessions, interview preparation help, and further assistance until jobs were secured. Upon a successful interview, I paid the tuition amount of {$5900.00} in full up front via credit card through XXXX ( payment processor ) ; at this time there were no financial assistance plans in place. Every week, the other students and I would arrange our one-on-one sessions with XXXX, and lessons would be conducted through a video-conferencing platform called XXXX. Things seemed to be going well, with more students enrolling - enough for XXXX to start looking for more instructors and an executive assistant. He eventually hired another instructor, whose time at XXXX was short-lived due to XXXX claims that students were not happy with him ; this, however, turned out to be false, and seems XXXX had failed to correctly pay him for his time. At the time, I never questioned it, as there was no reason for me to be skeptical. It was around XXXX when XXXX began to skip some of his scheduled sessions with his students, which elicited concerns among students. A few became increasingly worried about his absences and decided to ask for a refund and some left bad reviews for the school. In one particular refund case, the student left bad reviews of the school on multiple sources. It is my personal opinion that this notably triggered XXXX subsequently more XXXX behavior. XXXX threatened to put this student 's personal information online and ensure no one would hire this person - it escalated enough where the now-former student hired a lawyer. Further indication of his troubling behavior was his then asking students to help him create a website to defame the student. Luckily the website was never actually created and put online. XXXX XXXX, 2016 was the last time any of us saw XXXX online as our teacher. Several students expressed XXXX had not shown up for their sessions, nor had he warned he would be absent. This prompted our online search for XXXX. His executive assistant, who was also blindsided, realised passwords for accounts shared had been changed. This was the realisation point that we were now victims of fraud. Further research revealed he is on the Sheriff 's Most Wanted list in XXXX County and left the US to live in XXXX, bouncing between XXXX XXXX and XXXX. We have established many reviews have been falsely created by XXXX, and have reached out to known contacts, family, and are currently working to alert the correct authorities. As far as we know, he has fled with the money of possibly XXXX or more students without delivering all that was promised.
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

2016-10-06

Lewisville, TX

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: This is in reference to case XXXX.Bank of America responded with answers to questions I did not ask. They also said in there response letter, they did n't have enough factual detail for them to research appropriately, so I will restate my concerns several times. My concerns are : ( a. ) about monies ( escrow checks ) that were re-deposited into mortgage loan account and not accounted for and, ( b ) while with COUNTRYWIDE no record of proof for my PMI payments therefore the application of PMI on this loan far too long. ( a. ) The missing monies were XXXX escrow checks that are not applied to the loan. 1.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$39.00} 2.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$210.00} 3.ck # XXXX, date XXXX/XXXX/XXXX : treasury Id # XXXX {$270.00} 4.ck # XXXX, date XXXX/XXXX/XXXX Treasury id # XXXX {$370.00} 5.ck # XXXX, date XXXX/XXXX/XXXX : treasury id # XXXX {$110.00} ***These checks were deposited into my mortgage loan account, please send me proof. ***** Total {$1000.00} missing ( b ) The PMI was paid on the loan from it 's origination in XXXX XXXX with ( XXXX ) thru it 's transfer to Countrywide XX/XX/XXXX, thru transfer to Bank of America , and finally PMI stopped XX/XX/XXXX.. A total payment of PMI was 9 years and 9 months. It should have stopped XX/XX/XXXX ( 5 years ), but it continued thru XX/XX/XXXX ( 60 more months ) for a total of {$1800.00}, Thant money is an over-payment. Hopefully you have enough facts to research your Countrywide files and your escrow deposits to my 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

2016-10-06

New York, NY

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

2016-10-06

Caldwell, ID

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

2016-10-06

Palm Coast, FL

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

2016-10-06

Brooklyn, NY

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Complaint: Bank of America is reporting an account on my credit which they claim to have verified through my disputing process with both XXXX & XXXX. I have sent both bureaus dispute letters, method of verification letters & sent Bank of America a XXXX letter requesting all documentation including any original sign agreements/contracts which verify this account truly belongs to me. I believe all the companies are not following the FCRA & using XXXX or some other type of automated system to verify this account. The address tied to the file ( which I found through XXXX report ) does not belong to me nor have I ever lived there or received mail. I originally disputed the account in XXXX 2016 & just finished disputing the account again through the bureaus normal channels. Since the bank has been unable to provide a signed contract or any other legal documentation verifying its validity I would like this account removed at once ... and all records of the account removed from my credit reports with XXXX & XXXX. For the record XXXX deleted the account without incident in XXXX when I first disputed it. I 'm attaching all records & documentation. Lastly, I will not accept copies of documents. I have no idea if they 've be doctored or fraudulently created to eliminate their responsibility. Bank of America has been sued for robo signings & their lack of response to my original requests just appears to be an attempt to not follow the law again ... please remove immediately. important dates - XXXX XXXX, 2016 - letters sent to XXXX & XXXX disputing Bank of America acct XXXX XXXX, XXXX - XXXX letters sent to Bank of America & XXXX letters sent to XXXX & XXXX XXXX XXXX, 2016 - letters sent to XXXX & XXXX for removal of unverified information
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

2016-10-06

Missouri City, TX

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

2016-10-06

WA

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I received a phone call from Bank of America this morning letting me know that I had missed a payment ( about a week ago ) on a mortgage. Bank of America Variable Rate XXXX XXXX XXXX XXXX I said that I would log into BofA website and check the status and make a payment. They told me that PAST DUE payments are NOT displayed on the website, only future payments. Sure enough, when I logged on, I could see my NEXT payment due but not my current slightly late payment due. This is STUPID. How can I pay what is past due if the website will not show it to me. So I just paid and added {$100.00} or so to make sure it was covered. I then tried to find some way on the Bank of America website to send them a email or message to describe the problem. and I could not find any link to email or message them on line. This is STUPID. I might add that I missed a credit card payment by two days, and I made that payment today. But when I went to the Bank of America website it DID NOT show me the amount that was due, but it showed me the total due INCLUDING A PAYMENT NOT DUE FOR ANOTHER 25 days. STUPID STUPID STUPID. My credit card ending in XXXX Seems to be a pattern here, if I miss a payment on a credit card and log in, it shows me the total due included an accelerated amount for a payment not yet due. This is insipid.
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

2016-10-06

Queens, NY

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: I 'm filling a complaint towards Bank Of America for the worst treatment that i received as their loyal customer. My money was withdrew by someone that i do n't know totaling {$2.00} and i reported the incident to Bank Of America. Hoping to get a solution but instead my claim got denied for three times. I also wrote a letter already to their Debit card operation team ( as requested ) but their decision still remain the same. I was told the reason my claim was denied is because every withdrawal was made with pin being entered correctly. And i was also told that there 's no fraud pattern detected and they accused me to authorize all the withdrawal. I 'm so furious and disappointed with their decision. I 've been left without my money for more than a month and i 've been in a very difficult situation ever since. I 'm asking for their promise {$0.00} Liability Fraud Protection as advertised everywhere. On XX/XX/2016 i made a check deposit as i usually do once every week. And when i checked my balance i was so shocked to see that my balance was around {$300.00} something left. So i called Bank Of America right away to find out what is happening with my account. After a long hold ( Close to 1 hour ) i was finally connected to a girl representative. I told her that i just deposited a check onto an atm machine and i saw my balance is only around XXXX something and i asked her what 's happening with my account as my balance should be around {$2700.00} after depositing a check. She said she 's looking into my account and asked me some questions about transactions on my account. She asked me when was the last time i withdrew from the ATM, i said on XX/XX/XXXX when i was in XXXX. Then she asked me again when was the last time i used my card, i said on XX/XX/XXXX at my favourite restaurant, XXXX XXXX XXXX. Then, she asked me if i withdrew from an ATM on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, and i said no that was n't me. She asked me if the card has always been in my possession, i said yes. I started getting worried and then she said she will organise to send a new debit card to me and she needs to transfer me to a claim department. I waited for long time and no one answered so i hung up. I was thinking that i did n't need to do anything else and i just had to wait but i did n't get any news regarding this apart from a new debit card that has been sent to me. So i called again on XX/XX/XXXX and waited for a long time again ( Around 40 minutes ) and connected to another girl representative. I told her that i called up a few days ago regarding unauthorised transactions that occurred on my account and i need to know what 's happening and when will i get my money back. She told me that there 's no existing claim and she needs to dispute a claim for me. I was so upset to hear that as i thought the claim has already been submitted so she asked me questions regarding the transactions ( Pretty much the same questions as the first representative asked ) .This time a claim finally has been submitted and she told me that i do n't need to do anything else, once the claim is approved then i will get my money back but it might take up to 45 days to complete the research. I was furious but then i decided to wait. Then after a few days i checked my online banking and it says claim resolved but then i did n't get any messages regarding that so i called again on XX/XX/XXXX. After 40 minutes waited a lady answered, i quickly told her my situation and asked her that i see that my claim has been resolved but i have n't received any messages regarding that and she told me that my claim has been denied because there 's no pattern of fraud, the pin was entered correctly everytime withdrawal was made and there was no more attempt of withdrawing after the incident has been reported. She even told me that i authorised all the transactions.Not enough characters
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

2016-10-06

Arbutus, MD

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

2016-10-06

Los Angeles, CA

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

2016-10-06

Hollywood, 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

2016-10-06

Brentwood, NY

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 non-monetary relief

Disputed: No Timely Response

2016-10-06

Burlingame, CA

Other fee

Credit card:

Complaint: We subscribe to XXXX as part of my wife 's XXXX business. XXXX XXXX is based XXXX, we live XXXX. But the recurring charge of {$29.00} is being processed as an international transaction on our XXXX issued credit card. In the past this resulted in our being charged foreign transaction fees each month. We 've switched cards to avoid this fee, but presumably thousands of subscribers are being charged this fee every month fraudulently. I 've attempted to address this with both our previous credit card issuer ( BofA ) and our current card issuer XXXX XXXX XXXX, but neither has been able to resolve as apparently it is a result of the processor used by XXXX 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

2016-10-06

Franklin Lks, NJ

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened a Bank of America account with my mother and after reviewing the account it was closed. I deposited {$600.00} into the account on the day we opened it. There were XXXX different deposits. A cash and check deposit XXXX for {$300.00} each. After we were told the account was closed the bank sent us a {$300.00} cashiers check. Confused as to why they would not give us a {$600.00} check we called bank of america 's service center and they told us to go to the bank in person. When we arrived they said they could not refund the check we cashed without a bank statement from the bank the check was from. We came a 3rd time and brought each document they asked for and said that we should call the service center. The banker called and said there was nothing they could do. So she asked for a supervisor but was put on hold for over 1 hr and nothing. Very frustrated that my money is being held illegally.
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

2016-10-06

San Jose, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: My bank is Bank of America. A charge showed up on my account that I do n't remember authorizing and I did n't recognize the merchant. I tried to dispute the transaction by calling the phone number, but I was on hold for over 15 minutes.
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

2016-10-06

Newark, NJ

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: Further to case # XXXX to Bank of America. I am still waiting to get the information requested : ( 1 ) why was the loan serviced by their collection department ( 2 ) provide me with a copy of the recorded note prior to them losing it. ( 3 ) who was the note holder up until the day the held the documents. ( 4 ) why did n't they file a XXXX continuation. If they did, provide a copy of such document.
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