BANK OF AMERICA, NATIONAL ASSOCIATION

2016-09-23

Latham, NY

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 monetary relief

Disputed: No Timely Response

2016-09-23

Beltsville, 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 explanation

Disputed: Yes Timely Response

2016-09-23

Old Bridge, NJ

Late fee

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

Jonesboro, 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: Yes Timely Response

2016-09-23

Las Vegas, NV

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

Laguna Beach, 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

2016-09-23

East Rockaway, NY

Taking/threatening an illegal action

Debt collection: Mortgage

Seized/Attempted to seize property
Complaint: BANK of AMERICA was sent via certified mail a notice of dispute on XX/XX/2016, a second notice to validate and verify the allege debt was sent XX/XX/2016, and a third notice to validate and verify an allege debt was sent XX/XX/XXXX. Pursuant FDCPA cease desist all collection activities pending validation and verification of alleged debt owed. Instead of Bank of America abiding and complying with federal regulations they have taken legal actions by contracting with XXXX, XXXX, and XXXX and have conspired fraud upon i and the courts by filing forged documents, counterfeit security instruments, and demanding payment for an alleged debt i do not owe. Bank of America does not have legal standing and they have admitted to me the allege debt was never recorded.
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

Forest Hill, TX

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 monetary relief

Disputed: No Timely Response

2016-09-23

Hinkley, CA

Customer service / Customer relations

Credit card:

Complaint: I have tried unsuccessfully with Bank Of America ( BA ) to resolve this issue. I must have been online in my BA account ( I have BA checking and a credit card ) on XX/XX/2016. I was paying bills. I noticed that my BA credit card showed my minimum payment due for XX/XX/2016. I went ahead and set up a transfer from my checking account of more than enough to cover the minimum payment. MY BA checking account shows that money coming out on XX/XX/XXXX. My BA credit card statement shows that money being credited on XX/XX/XXXX. I was paying bills on the night of XX/XX/XXXX. I noticed my BA credit card was still showing the minimum payment due on XX/XX/XXXX. I called the number on my credit card and talked to a reprehensive at BA. She told me that she saw what happened and did not understand why it was not showing the payment due being paid. She noted my file. I was on my PC paying bills again on XX/XX/XXXX and decided to pay an additional payment, because I had charged more than I wanted to so far that month. When I got back on after XX/XX/XXXX, around XX/XX/XXXX, my BA account showed my account as past due. BA credit card is saying since I set up the transaction on XX/XX/XXXX, It was applied to my previous statement! How can that be when it shows coming out and going in on XX/XX/XXXX? BA has a XXXX system. I have called BA, sent a letter to BA credit card dept. and went into the local branch. All I get out of BA is tough luck that is our system and it ca n't be fixed. They will supposedly waive the late fee, but I have no idea how this will affect my credit. They want me to pay an additional payment. Is this any way to run a major bank?
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

Tampa, FL

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: On my credit report I have a property that show ( date reported:XX/XX/XXXX under XXXX ). This property was under Bank of America in which I went delinquent with in XX/XX/XXXX. According to XXXX they purchased the property from Bank of America on XX/XX/XXXX. Nationstar comments on my credit report ( Foreclosure ). This XX/XX/XXXX was three year later, when it should have been done with Bank of America around XX/XX/XXXX or XX/XX/XXXX. Now it look like instead of me waiting 7 years to clear my credit it 's going to take 10 years which will be in XX/XX/XXXX. This is not only affection my credit report it is also affecting my daughter 's credit report.
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

CO

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I am filing a complaint against Bank of America for Dual tracking. They have been in receipt of my modification application for some time and have done nothing with it. They acknowledged full receipt of a modification application yet continued to file a foreclosure neglecting dual tracking requirements. They are in clear violation and need to be held liable for their actions.
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

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

2016-09-23

Bloomfield, CT

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 non-monetary relief

Disputed: No Timely Response

2016-09-23

Silver Spring, MD

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

Itasca, IL

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

Clayton, MO

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: The bank processed credit card transactions that resulted in overdraft fees, I do not have this service setup and they should not have processed these transactions. They claim they are reoccurring because I used the same companies before but I did not authorize this.
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

2016-09-23

Columbia, MO

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

2016-09-23

Springfield, MO

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

Bellview, FL

Deposits and withdrawals

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

2016-09-23

San Diego, CA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Complaint: Subject : Re : Beneficiary XXXX TRUST DISCHARGE APPOINTED FIDUCIARY XXXX, ORDER APPOINTED FIDUCIARY, TRUSTEE, SURETY, GRANTOR, BANK OF AMERICA XXXX, CA XXXX BENEFICIARY OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Appointed fiduciary 's ORDER TO PRINCIPALS IS ORDER TO AGENTS HOW TO PREPARE BENEFICIARIES TAXES IRS/FTB How to Prepare IRS/FTB Fiduciary Taxes Social Security 's # XXXX How to Prepare Fiduciary Taxes. " Names of People '' the constructive statutory Vessel all cap letter name of the USA corporation of " names ''. Undertaking the XXXX XXXX XXXX XXXX of the US can not be taxed. WITNESS XXXX BENEFICIARY XXXX XXXX XXXX, XXXX XXXX XXXX Beneficiary/ Authorized Representative of XXXX Trust XXXX PENDING DEBT BY XXXX " XXXX XXXX XXXX ATTORNEY XXXX XXXX and IRS/FTB XXXX XXXX ''. XXXX XXXX The XXXX ( XXXX ) XXXX Trusts " names '' are the specific denial of rights of Real Property, Personal Property and Ecclesiastical Property for most men and women, corresponds exactly to the XXXX forms of law available to the XXXX of the Bar Association Courts. The XXXX form of law is corporate commercial law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX and trust law is effective because of the XXXX XXXX XXXX XXXX Trust. The XXXX form of law is XXXX law is effective because of the XXXX XXXX Trust of Baptism. XXXX XXXX The Birth Certificate issued under XXXX Law represents the modern equivalent to the Settlement Certificates of the XXXX century and signifies the holder as a pauper and effectively a XXXX. The Birth Certificate has no direct relationship to the private secret trusts in " name '' controlled by the private banking network, nor can it be used to force the administration of a state or nation to divulge the existence of these secret trusts. XXXX XXXX Given the private secret trusts of the private central banks are created on false presumptions, when a man or woman makes clear their XXXX XXXX XXXX and claim over their own name, body, mind and soul, any such trust based on such false presumptions ceases to have any property. XXXX XXXX Any Administrator or Executor that refuses to immediately dissolve a XXXX ( XXXX ) Trust, upon a Person establishing their status and competency, is guilty of fraud and fundamental breach of their fiduciary duties requiring their immediate removal and punishment.
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

San Jacinto, CA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My name is XXXX XXXX, I am XXXX years old, I am currently a XXXX and employee at XXXX XXXX here in XXXX XXXX, California, I have been a customer at Bank of America since XX/XX/2006 and I think their overdraft fees policy is ripping customers like me off, especially their extended overdraft fees policy which put customers like me in a deeper hole, they have been sued because of their overdraft fees policy and I think me and other customers are being ripped off because of their policy. My contact information : XXXX XXXX, Debit Card Number : XXXX Thank You 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

2016-09-23

Savannah, 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: Yes Timely Response

2016-09-23

Everett, WA

Settlement process and costs

Mortgage: Conventional fixed mortgage

Complaint: I am trying to start the process to " recast '' my mortgage. I have been on the " Making Homes Affordable '' program for the last 5 years*. The BofA sent me a notice that a " recast '' was available if we wanted to keep our mortgage payment at a lower level, who would n't? I missed the deadline for getting the notarized paper work back to them. I called the help phone number, XXXX, ( on XX/XX/2016 ) to see if I could send the request in late. I was asked to hold while the agent checked to see if they would send me new forms. I was told to check back on a daily basis to see if my request had been granted. I called back ( XXXX/XXXX/2016 ) and was told to hold, the agent checked and told me to call back as no decision had been made. I had been through this dodge before with XXXX XXXX. I was going to call back this morning to check again. Then I thought the best thing to do was contact CFPB. *You helped me before when BofA reported me 90 days overdue. With that incident I requested a posting printout from them and found XXXX major problems 1. they were posting my payments to " Unapplied Cash ''. 2. They showed XXXX or XXXX transactions to my account but the " dump '' showed XXXX. I have other problems with them but I will not bother you with them now. Thank You XXXX XXXX XXXX XXXX XXXX
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

TN

Wrong amount charged or received

Money transfers: International money transfer

Complaint: An international transfer ( XXXX to XXXX ) took place ( XXXX XXXX, 2016 ) resulting in a {$4900.00} deficit in the amount deposited. Our XXXX lawyers said that there would be a $ XXXX bank charge and nothing more. XXXX XXXX XXXX XXXX said there would be no fee. When I asked my XXXX bank, XXXX XXXX XXXX XXXX, they said, first, they could not see what the exchange rate was ; then they said the transaction went through Bank of America and they would try to find something out but that it would be unlikely that they would get a response. I asked to speak to their compliance officer. She was out, but the gentleman from the accounting dept., then called me later with an update saying that I should file the complaint and that he had the incoming wire detail and that he would send that to customer service agent at my local branch, but that there was nothing new/more they could tell me. During my call with the gentleman from the accounting dept at XXXX, shared with me that it looked like the exchange rate applied was XXXX. I asked him if that was the correct way to apply the exchange rate and he said he did not wish to get involved. He was helpful and it was obvious that he was very nervous about making a mistake.
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

San Diego, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: Deposited on XX/XX/XXXX {$860.00} into Bank Of America checking account. On XX/XX/XXXX a " Preliminary Injunction '' was filed by United States District Judge XXXX XXXX XXXX. A Judgement shall issue a check in the amount of XXXX payable to the " United States Department of Justice. 1. Filled out a XXXX for California Request ( lien search ) XX/XX/XXXX and submitted that along with a money order to pay for the lien search to the Uniform Commercial Code online portal Office in my state where I 've taken up residency ; 2. Upon receipt of the search results, I found that there were no legitimate liens against me in the public record ( including no legitimate Internal Revenue Service liens ) ; 3.Made a true copy of the search results from the California Uniform Commercial Code office and attached it to a Notice and Demand sent to each of the credit bureaus. 4 IRS Notice of Lien removed by credit bureaus. 5.A valid lean by Internal Revenue Service requires a District Court Judge 's Signature, and whereas you are publishing a lien against me, and the attached XXXX shows no valid liens in the public record ; and where as this lien is damaging my reputation without cause, 6.Therefore, you are hereby granted Truth-In-Lending-Regulation Z District Court Judge who authorized the lien you are publishing against me OR to remove the lien from the public records.
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