BANK OF AMERICA, NATIONAL ASSOCIATION

2016-09-24

Brookside Village, TX

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

Disputed: No Timely Response

2016-09-24

Martinsburg, WV

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

2016-09-24

Gerry, 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

2016-09-24

Oakland, CA

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 monetary relief

Disputed: No Timely Response

2016-09-24

Marlboro, 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 non-monetary relief

Disputed: No Timely Response

2016-09-24

Maclean, VA

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

2016-09-24

Mesquite, 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

2016-09-24

San Jacinto, CA

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: Bank of America has made false and or erroneous claims of a pattern of late payments alleging that all my accounts are late. In a letter I received on XX/XX/XXXX Bank of America said they closed my Bank of America Visa account which was paid off. Record will show that we maintained an excellent credit rating up until XX/XX/XXXX. The issue is not with all other accounts it is with XXXX account Bank of America Home Equity line of credit. XX/XX/XXXX I received a letter from Bank of America informing me that my Home Equity line of credit will change from interest only ( approx. {$370.00} per month ) payment to principle and interest only ( Approx. {$780.00} per month ). I reached out to Bank of America and applied several time for a home loan modification but was rejected because I was current on all my accounts. I have on several occasions requested that Bank of America extend my interest only payments until the value of the home increases which will allow us to refinance our home to reduce our monthly payments. Earlier this year we tried to refinance our home through Bank of America but was turned down because there was not enough value in our home. My First mortgage is current along with all my other accounts. We have continued to make our monthly payment on the B of A Home Equity Line of Credit at the same payment of the interest only amount. Bank of America has turned us down for four home loan modifications. Bank of America customer service staff has threaten to begin foreclosure procedures if the payment are not brought current. I strongly feel that Bank of America is dealing unfairly in their home loan resolutions.
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: Yes Timely Response

2016-09-24

Pasadena, CA

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: In XX/XX/XXXX, my business was a victim of fraud at the hands of BofA. An unknown person contacted BofA and requested a change to my account. What BofA agreed to do, without my consent, was transfer all receipts from my merchant account to an unknown XXXX XXXX account. At the same time, the fraudster also gained access to my merchant ID and established an offsite terminal. Then, with XXXX stolen cc, they processed charges in excess of XXXX, which appeared to originate from my office, yet went directly into the XXXX XXXX account. I believe that this event was an inside job because my security practices are consistent ; filing cabinets are always locked, sensitive information is always shredded and I never share banking details. Further, there was no break-in at my office. After considerable frustration and many calls to BofA, they eventually restored my losses, in excess of XXXX US. Jump forward to XX/XX/XXXX and I receive a Chargeback letter from Merchant Services for {$6700.00} and the disputed transaction occurred on XX/XX/XXXX ( at the same time when the fraud began ). Unfortunately, the unidentified XXXX consumer reported this as an unknown charge, and of course, I do not know who the person is, where they live, nor do I have any accounting record or receipt of the {$6700.00}. Basically, BofA 's security and forensics failed and they are attempting to extort their losses from my business. The chargeback notice was received on the same day as the deadline to respond, which is also unethical and creates needless anxiety and frustration for me, a long-term customer of this bank. To add insult to injury, I have spent three days trying to reach the Fraud managers who helped me with this claim a year ago. They have not returned XXXX of my calls. I have left messages with XXXX XXXX ( XXXX ) and her supervisor, XXXX ( XXXX ). I 've also attempted to get resolution with my local branch and many XXXX numbers, being kicked like a can down the road 8 times with various people and departments. All claiming that I need to talk with someone else. I still do n't know who or what department to contact. I am not responsible for BofA 's failure to secure my business account. They hold the " keys '' and allegedly let a stranger fool them with my account. Had they simply called me or sent me an alert, like they do when I fill up for gasoline at a non-typical place, this could have been better controlled.
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

2016-09-24

Cherry Brook, MA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: My Bank of America UTMA account for my son was opened years ago. BOA insisted on a joint checking and savings account, though I needed only a savings account. The last two months, without warning, BOA has been charging me a $ XXXX monthly maintenance fee for the checking account, which has no deposits, and claims that I owe them {$32.00}. I am trying to close the account. BOA refuses to accept consumer emails unless it is a request for a copy of a check or statement ; refuses to provide a mailing address for consumer complaints ; and insists on limiting consumers to only phone call contact ( resulting in no documented record of what happened ) or instant messaging, but the BOA live chat system is perpetually busy. I am now on perpetual hold to BOA. This is unacceptable and deceptive. It would not be surprising if BOA is trying to gouge many others with this practice of assessing unannounced fees on checking accounts on unsuspecting consumers, and then refusing or obstructing the ability of consumers to request that the account be closed.
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

2016-09-24

FL

Advertising and marketing

Credit card:

Complaint: I was purchasing a flight on XXXX XXXX. I almost completed the transaction and, at the last moment, was offered an XXXX XXXX credit card. This is issued through Bank of America. There was a lot of advertising material promoting the benefits of the card and there were documents of small print stating with legal significance what would happen with the card. But, there was nothing about whether use of this XXXX XXXX credit card would or would not waive the credit card processing fee usually charged by XXXX. Usually, XXXX does not charge for using a debit card, but they charge over {$7.00} for using a credit card. It would have made sense for XXXX XXXX to include waiver of the processing fee in structuring this deal with Bank of America because XXXX customers both promote and build goodwill for the airline when prospective credit card applicants see the customer using the XXXX credit card AND I assume XXXX is deriving a new income stream from this arrangement with Bank of America. In other words, XXXX is most likely " double dipping '' by getting paid by Bank of America and also requiring their own customers to pay them to process the company 's own card. I do n't know this as a fact - but it is a safe assumption. I do n't have the investigative resources of the federal government and I was not able to read the fine print on my computer screen ( and my printer was not working ). I figured that this card would get an exception from the credit card processing fee, since it is the company 's own card. I applied, was issued a card and clicked on a button to use it for this transaction. Was I surprised! Instead of two radio buttons for ( 1 ) credit card use with a fee and ( 2 ) debit card use without a fee, there was now ( 3 ) a third radio button for using the card that was just issued to me. That was convenient! Apparently, the XXXX XXXX website has been updated to use the information about the new credit card from Bank of America. I almost went ahead and used my new card when I saw that XXXX was going to charge me the credit card fee for processing their own credit card! I find it strange that they would charge a fee to use their own card. I find it deceptive that they did not say anything about this as part of their flashy advertising material promoting the card. If I had this reasonable expectation, I am sure many other travelers do to. Furthermore, I would imagine that the issuance of the credit card means that Bank of America " dinged '' my credit report. That was not necessary - I would not have applied for the card if I knew this was going to happen. Also, if they did " ding '' my credit report, it was not necessary because they already have underwriting information on me - I am a Bank of America customer and received preferential treatment in applying for the card. By logging into my Bank of America online account from the XXXX XXXX website, the credit card application was automatically populated with some of my information. Bank of America already knew who I am.
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

2016-09-24

Key Biscayne, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Tried to open up an account with XXXX different banks but the banks wo n't let me
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

2016-09-24

Foothill Ranch, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I was trying to open a bank account at Bank of American but the banker told me that I ca n't open bank account at Bank of American because they said I abuse an account that I had. At that moment I was confuse because I have never open account at Bank of American before I was a victim of identity theft before I had fraud on my credit report. So I had to go to my local police station to file a police report that day so I need this bank to do a investigation on who open this account without my authority Bank of American told me I can never open a bank account never in life because of this situation.
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

2016-09-24

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

2016-09-24

Newnan, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Bank of America has been my lender since 2006. From the inception of the loan I have never had an escrow account and have always paid the taxes and insurance on my house. Recently, Bank of America created an escrow account, deposited two months of mortgage payments into the escrow account, charged me late fees although they acknowledged receipt of the mortgage payments. Despite repeated requests via telephone and mail, Bank of America has refused to credit my mortgage payments for XXXX and XXXX and they have refused to get rid of the escow account although the taxes and insurance are paid. I believe BOA created the escrow account because I was out of town for 6 months and the tax bill was mailed while I was out of town. The bank paid the taxes. I reimbursed the bank for taxes together with the XXXX mortgage payment but BOA has refused to get rid of the escrow account. In addition, BOA has refused to credit my account for XXXX mortgage payment and has charged a late fee. Although the taxes and insurance are current and paid, BOA demands a monthly escrow of {$120.00} in addition to the mortgage where one should not exist.
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

2016-09-23

Lithonia, GA

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

2016-09-23

Cheshire, OR

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

2016-09-23

Ft Myers, FL

Settlement process and costs

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

2016-09-23

Apple Valley, MN

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

2016-09-23

Ridley Park, PA

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: Yes Timely Response

2016-09-23

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: No Timely Response

2016-09-23

Brooklyn, NY

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

2016-09-23

Caro, MI

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

2016-09-23

Northside, NC

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

2016-09-23

Sherman Oaks, CA

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 monetary relief

Disputed: No Timely Response