BANK OF AMERICA, NATIONAL ASSOCIATION

2016-09-23

Peekskill, NY

Other

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

Chicago, IL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XX/XX/2016 spoke to the compliance officer about being charged excess fees. He assured me that they could not refund my and he did not know when the investigation would end. So, in order for me not incur any more overdraft fees. I stopped payment on XXXX accounts. A stop payment fee was applied and they deducted also XXXX dollars for the stop payment. The bank did not stop the payment nor did the refund my fee.
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

Lomita, CA

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: Yes Timely Response

2016-09-23

Allentown, PA

Customer service / Customer relations

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

2016-09-22

Katonah, 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 non-monetary relief

Disputed: No Timely Response

2016-09-22

Brooklyn, 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 monetary relief

Disputed: No Timely Response

2016-09-22

Macungie, PA

Application, originator, mortgage broker

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: Yes Timely Response

2016-09-22

Huntingtn Bch, CA

Other

Credit card:

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

2016-09-22

Torrance, CA

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 explanation

Disputed: No Timely Response

2016-09-22

Corpus Christi, TX

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

2016-09-22

San Diego, 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

2016-09-22

Woodland, 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

2016-09-22

Mesquite, TX

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

2016-09-22

Carlsbad, CA

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 non-monetary relief

Disputed: No Timely Response

2016-09-22

Application, originator, mortgage broker

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

2016-09-22

Fort Worth, TX

APR or interest rate

Credit card:

Complaint: Twice I have been charged interest after paying my balance in full. I have called XXXX times and had the charges reversed but I am afraid people that do n't go over their bills carefully are being charged in error.
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

2016-09-22

Bear, DE

Loan servicing, payments, escrow account

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

2016-09-22

N San Juan, 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

2016-09-22

MA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: I just paid off a credit card from Bank of America on XXXX XXXX, it was due XXXX XXXX was surprised to receive an e-mail from them today telling me I owed them {$64.00} in interest. I am not upset, I just think that the credit card companies should emphasize on their statements that in order to payoff a credit card completely the consumer needs to call the company and get the calculated amount necessary to payoff the account. I do n't understand why the statement closing date and the payment due date are almost a month apart. It 's almost as if they want you on the hook forever.
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

2016-09-22

Coconut Creek, 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 monetary relief

Disputed: Yes Timely Response

2016-09-22

Glenn Heights, TX

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My IRA which I transferred from my XXXX what was left to keep from loosing any more XXXX to XXXX after being told by the Vice President, and Customer Service that it was a Federal Law that a IRA could only be by Myself or the IRS for back taxes. I later had the same thing told to me by Vice Presidents, Legal Dept., Customer Service Dept.in XXXX, XXXX XXXX, California, Florida & North Carolina. Even the woman in Florida that disbursed the check to XXXX XXXX XXXX till she found out who I was with my file. When she returned to the phone " we did nothing wrong, and there is nothing you can do '' and hung up would not answer my calls or return my calls.
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

2016-09-22

South Florida, FL

Account opening, closing, or management

Bank account or service: Checking account

Complaint: XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. BK OF AMER XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. Sincerely, XXXX, XXXX XXXX XXXX SEC # XXXX DOB XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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

2016-09-22

Federal Way, WA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My complaint involves XXXX XXXX XXXX XXXX XXXX XXXX and application filed with Bank of America ( BOA ) for a corporate business bank account. It was alleged by BOA that XXXX was a wire transfer service, resulting in bank account denial. XXXX XXXX ... is a XXXX Provider and reserves the right to create an entity to drive its XXXX services. As provided XXXX was created to XXXX XXXX XXXX XXXX XXXX XXXX XXXX consisting of but not limited to XXXX search, XXXX invoicing, and XXXX proxy functionality to enable alternative ( cash ( and debit ) ) payment for XXXX when booked online. Generally, the process is as follows : 1. User search and book flight at XXXX ( currently in XXXX at XXXX ) and 2. Opt to pay cash ( or debit ) offline, user has the option to pay cash/debit offline or credit/debit online 3. User is invoiced for booking ( see step XXXX ) and is instructed how to pay offline at XXXX 4. The user transacts accordingly at XXXX with cash ( or debit ) 5. Based on amount user transacts ( for XXXX ) at step XXXX XXXX makes ACH deposit into XXXX 's bank account. 6. XXXX notifies XXXX that payment has occurred and ACH initiated 7. In the capacity of XXXX proxy XXXX purchase airfare electronically with debit card on behalf of user and 8. Sends flight confirmation code and further instructions via email, text or voicemail to user XXXX ( XXXX ) such as, XXXX. technically do the same as XXXX, enable travelers to search and book flights online and subsequently transact payment offline, but at XXXX XXXX in contrast to XXXX, with cash ( or debit ). However, said XXXX 's in contrast to XXXX have not been singled out for unfair and unfavorable treatment, ( re ) classified by financial institution ( BOA or otherwise ) as a wire transfer service, resulting in denied corporate banking account. On another note, XXXX gift cards ( not limited to XXXX and XXXX XXXX XXXX ) are sold offline at major retail locations and payment is transacted with cash ( or debit ), same as XXXX. On the same token, XXXX XXXX XXXX XXXX and XXXX prepaid debit cards are sold offline ... and payment is transacted with cash ( or debit ), same as XXXX. XXXX and XXXX prepaid debit cards in are commonly purchased offline used to purchase airfare online, or electronically. Technically, XXXX, XXXX XXXX, XXXX and XXXX does what XXXX does but differently : 1. XXXX XXXX XXXX XXXX : Initially cash/debit transacts offline at retailer prior to booking flight 2. XXXX, XXXX XXXX debit card : Also initially transacts cash/debit offline at retailer prior to booking flight 3. XXXX : Initially books flight online ( at cashairfare.com ) and subsequently transact cash ( or debit ) payment offline ( at XXXX ) At bottom, airline stored value gift cards sold offline ... and XXXX, XXXX prepaid debit cards sold offline ... technically do the same as XXXX with few exceptions. Our business model ; our competitive advantage is to provide a streamlined, secure process enabling travelers ( not limited to those with online security concerns ) to search airfares online, book, and then transact payment using cash ( or debit ) offline at XXXX. Technically, we are a biller similar to the XXXX billers using XXXX ( likely some are BOA clients ). XXXX-categories for a list of XXXX billers including BOA listed under Consumer Loans and Collections.
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

2016-09-22

Anaheim, CA

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I paid off my HELOC a/c with Bank of America on XXXX XXXX. Escrow paid in excess & now Bank owes me a Refund of {$450.00} ( XXXX XXXX & XXXX XXXX dollars ). As per pay off statement Principale & Intrest was paid upto the date & I had no Escrow a/c so there was no tax Liabilities on bank ... ... A request was made on XXXX XXXX to expediate the Refund but till today i, e, XXXX/XXXX/16 no check has been received. A follow up phone calls were made & they keep telling me it is under process & they can refund money upto within 30 Days. My question is when customer has everything clean on a/c why they have to keep customer money for 30 days? Is it legal to do that? Also if customer 's payment is late by a day the Bank charge a heavy late payment charges, then on what ground they can hold the customer 's money when whole process is computerised. By adopting this practice these Big Financial Institutions are using millions of dollars of customeers for free. What can be done about it. & where to complain about it, this is not fair to the public. Plz. kindley response Thanks ...
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

2016-09-22

Federal Way, WA

Unsolicited issuance of credit card

Credit card:

Complaint: This is more of a " for your information '' note. With XXXX XXXX in the news about account fraud, I was hoping that Bank of America would also be included in the investigations. About 8 years ago they opened a credit card account without my permission. I have a checking/savings account and was curious about the percentage rate. No permission was given verbally or in writing however I received a credit card in the mail. I did not activate it and called Bank of America to discontiue the card. It did affect my credit report though. Bank of America denied any wrongdoing. I am hoping that you will be looking at their practices too. Thank you- Sincerely, 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