BANK OF AMERICA, NATIONAL ASSOCIATION

2016-09-27

Katonah, NY

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

2016-09-27

Gordon Heights, NY

Application, originator, mortgage broker

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

2016-09-27

Arco, CA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: I do n't believe I had this account with bank of america in 2014 as recorded on my record for account abuse with a charge off of XXXX dollars. Would like to see prove of this account. I have never been to Missouri to any bank
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

2016-09-27

Los Angeles, 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

2016-09-27

Bellevue, TX

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: This is to check on the status of my previous complaint against Bank of America. Complaint number : XXXX. I sent a subsequent follow stating that Bank of America did not address my concerns. I have not heard the status of that second follow up. Also, The link from CFPB that was emailed to me is no longer working. Please advise.
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

2016-09-27

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I always pay my bank of America bill on the due date at night once I get home from work and get my family settled in for the night. Last month, I did this and it said the system was down for maintenance. I spoke with a customer service rep who said no late for would be added since it was their fault. So I called the next morning and paid the bill. Again I spoke to a customer service rep who said she could not see where a late fee had been added but to check my bill and let them know. I got my bill this morning and there was a late fee. So I called a third time, the woman I spoke with waived the fee but advised me that I needed to pay in the morning or a few days early because they always do maintenance at night. I explained to her that night was the most convenient time for me the customer, and if that were the case then they needed to move my due date. She then tried to set me up on automatic drafts, I explained that I was perfectly capable of keeping up with my finances better than they ever could. She told me that they had advised me of the fact of the updates at night and they would not be able to waive the late fee again. I would like to write someone a message or email at bank of America but there is noway to contact them other than by phone or writing, so here I am. Updates should be done between the hours of XXXX and XXXX to avoid inconveniencing the customer and adding a late fee when its their fault. I have never had a customer service rep be so rudde to me and tell me it was my fault when I tried to pay the bill on the due date but it was their system that decided to update on my due date.
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

2016-09-27

NJ

Unsolicited issuance of credit card

Credit card:

Complaint: Back in 2014 Bank of America I contacted Bank of America regarding a credit card. When they told me the terms of the account they were approving me for I immediately rejected the account and told them I did n't want it. This was IMMEDIATELY, I did n't wait to get the card etc. I never had this account. Bank of America has reported on all XXXX major credit bureaus that I had this account for 3 months and closed it, which is not true. This is negatively impacting my FICO score. I disputed the report on all XXXX bureaus and the bank responded that their claim is correct so it remains.
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

2016-09-27

Nyc, NY

Credit determination

Credit card:

Complaint: A few years ago Bank of America charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Bank of America failed to report my payments to XXXX and XXXX ( and probably XXXX, but I did n't obtain that report ) for at least 12 months- XXXX of XXXX through XXXX of XXXX. While payments of {$0.00} a month were reported on the credit reports, the balance continued to mysteriously shrink by {$50.00} a month ( our mutually agreed upon payment amount ) because I continued to make on-time payments. Once again Bank of America 's negligence negatively affected my credit. I also doubt they reported any payments after XXXX of XXXX, and do n't know if they reported that the account was since settled, paid, and closed out.
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

2016-09-27

Chicago, IL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I have been charged fees over and over by bank of america, but their website and customer tools are not helpful to customers at all. There is always an inconvenience and extra steps to pay a bill or even make a deposit at their ATMS. The platform creates a problem where customers like myself are not able to perform transactions easily without accruing fees. I just spoke with the rudest representative that argued with me and then performed a customer mistreat and hung up the phone on me when I asked to speak with a manager. This behavior demonstrates Bank of America 's unwillingness to educate customers and provide accurate customer service. There phone prompts is designed to keep you from gaining access to talk with a representative. I had to call back and wait on hold a gain for more than 5 minutes due to the representative being rude and not wanting to provide his information for a follow up complaint.
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

2016-09-27

Long Beach, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Bank of American changed my information mailing address, contact information without informing me. They can not tell me who did it or why. They then transferred all my funds out of the account to an unknown address. fraudulent activity was occurring in this account without my knowledge. I have filed a complaint as well as a fraudulent claim with Bank Of America. They have not responded and I can not get ahold of anyone to help me resolve this issue. The lack of concern over what was done to my account is alarming to say the least. I have no even received a phone call for any kind of follow up! I filed a police report as well as a letter to B of A Headquarters.
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

2016-09-27

South Florida, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I Have a mortgage note with Bank of America since XXXX XXXX, 2007. My loan has been current thru the duration of this this note wit the exemption of a few late payments. I have been trying to modify my rate as it is at XXXX for a jumbo rate. I have been told that because my loan is current they would not modify my loan. Bofa had put me thru the modification process several times for years before I finally had a rep tell me that because I have a jumbo loan and current they would not provide any modifications like the do for people under $ XXXX k and delinquent. I feel that since I qualify for a modification otherwise and people with jumbo rates have been modified this is inequitable and I need someone to review my loan and get back to me as I have been round and round for over 5 years. This is discriminatory.
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

2016-09-27

Arco, CA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Bank of America continues to charge me overdraft protection transfer fees when my account has not be overdrawn and no protection fees have been transferred. When I contacted them yesterday to try to resolve the issue, they refuse to reverse the fees even though they have no justifiable reason for enforcing them. They have recently XXXX online support for this issue so that there is no paper trail for their handling of the situation. Again, my account was never overdrawn and there was no need for overdraft protection, but it was applied by the bank regardless and then a fee was assessed. This occurred on XXXX/XXXX/16 among various other occasions.
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

2016-09-27

Austin, TX

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

2016-09-27

Forest Park, GA

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

2016-09-27

Everett, WA

Closing/Cancelling account

Credit card:

Complaint: From XXXX I had a AAA Financial XXXX Card issued by Bank of America. In XXXX XXXX, I called to notify them I wanted to close the account and was told the account balance was {$3900.00}. I made a payment in that amount and considered the account closed. After sending the {$3900.00} payment, a late fee of {$35.00} and {$9.00} of interest was charged to that account. At some point thereafter, Bank of America put my account into charge-off status and put negative information on my credit report. I did not realize that until XXXX of XXXX and called to complain/request that be cleared up and corrected. I was told over the phone that it was an error and could be cleared up. I thought the matter was settled. Nope. I received a letter stating that i owed them the now {$56.00} and to pay it. Disgusted with the situation I ignored the issue. XXXX I noticed my credit report showing derogatory language concerning this account as BAD DEBT BAD DEBT BAD DEBT. I called in to B of A to complain and ask that this issue be removed and corrected. On XXXX/XXXX/XXXX I spoke to XXXX XXXX XXXX who said he could see the issue and how it came to be. He spoke to his supervisor and after that consult I was told that the fees/charges would be waived and the chargeoff be removed from my credit report. 1 week later I received another letter stating that I owed them {$56.00} and to pay it. On XXXX/XXXX/XXXX I spent 2 hours disputing this charge, and discussing my continued hassle and frustration with this issue. I was told once again that this was a valid charge and needed payment. Disgusted and angry, I paid the {$56.00} and informed them I would be closing all my other accounts with bank of america and refinancing a home mortgage they hold. Thanks for listening thus far. It is very frustration to deal with an entity like BofA and have them smear my credit report through no fault of mine. I have about XXXX accounts in good standing on my credit report, this was the only negative entry and was over {$56.00}. Bank of america has my phone number, then and now, I 've had the same number last 9 years and not 1 phone call to me on their part. I did over {$87000.00} in business with them last year alone. I refuse to accept being treated this way by any financial institution. I am attempting to dispute this issue with the XXXX credit reporting agencies. Please let me know if there is anything you or I can do furthermore to counter this situation and repair the tarnishing of my credit report. XXXX 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

2016-09-26

Park Ridge, IL

Billing disputes

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

2016-09-26

San Diego, CA

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 non-monetary relief

Disputed: No Timely Response

2016-09-26

Santa Fe Springs, CA

Closing/Cancelling account

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

2016-09-26

Bayonne, NJ

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: Yes Timely Response

2016-09-26

Edgewood, MD

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

Disputed: No Timely Response

2016-09-26

Dexter, KY

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

2016-09-26

Mem, TN

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 monetary relief

Disputed: No Timely Response

2016-09-26

Washington, DC

Unsolicited issuance of credit card

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

2016-09-26

Belleville, IL

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

2016-09-26

Freestone, CA

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 monetary relief

Disputed: No Timely Response