BANK OF AMERICA, NATIONAL ASSOCIATION

2016-09-22

Davenport, IA

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

2016-09-22

West Brandywine, PA

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

2016-09-22

PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I filed a complaint years ago an the account was supposed to be marked not to create an escrow account without my permission. ( case XXXX ) I called in to try and resolve and the rep refused to transfer me to a manager or the office of the president after I provided all the information requested. I did not and WILL not be ok with bank or america creating an escrow account. I pay my taxes directly. I pay my insurance directly. The only taxes due are the current year taxes and the year is not out.
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

Quartzsite, AZ

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am attempting to repair my credit scores because of unemployment and participation in and participation in federal assistance programs over the last 7 years. B of A ( lender ) has been paid up so I am current. I have continued to be current over last 6 mos since graduation from XXXX. They refuse to address my credit score as this delinquency stems from their suggestion to go on a forbearance program for 12 mos back in 2012. I did and then participated in AZ Save Your Home program which carried my delinquency and then paid it off this past XXXX. So my forbearance period is what has been carried forward as old payments were were paid first when paying my mortgage ( monthly assistance ). I want to refi but credit reporting services all show late pays so I requested letter from B of A which refuses to give me any relief!
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

GA

Settlement process and costs

Mortgage: VA mortgage

Complaint: There may have been as many as XXXX banks that were assignees from XXXX Bank, the originator of the Note and Security Deed, to Countrywide Bank and then to Bank of America. Accordingly, we wanted from Bank of America, and/or Bank of America , NA as Trustee on Bofa Merrill Lynch XXXX XXXX XXXX XXXX with an accounting detail of past mortgage payments, including interest, expenses, charges, taxes, and other accruals to the determine the proposed mortgage modification amount proposed by Bank of America. In other words how did Bank of America determine, in detail, the amount due with a break-down of all items summarized to equate the amount due in the proposed mortgage modification. As a homeowner we have not received a written offer from Bank of America N. XXXX, as the lender or servicer that we deem acceptable. The federal Real Estate Settlement Procedures Act, 12 U.S.C. Section XXXX ( e ), gives me the right to request information about my mortgage account. It also gives me the right to demand and compel that my account be corrected, before a decision on our behalf can be made to modify our loan. In this QWR statement this is also an Appeal to review the loan modification terms before an agreement to sign. On XXXX XXXX a letter came from the Lender Server Bank of America , N.A . explaining that as the Investor Bank of America , NA as Trustee on Bofa Merrill Lynch XXXX XXXX XXXX XXXX have the authority to respond to our request. A complete payment history which lists the dates and amounts of all the payments I have made on the loan to date, and how each payment was applied or credited ( whether to principal, interest, escrow, suspense, or some other treatment ) A breakdown of the amount of claimed arrears or delinquencies on the account, including an itemization of all fees and charges you claim are currently due The payment dates, purpose of payment, and recipient of any and all fees and costs that have been charged to the account The payment dates, purpose of payment, and recipient of all escrow items charged to the account A copy of any annual escrow statements, and notices of a shortage, deficiency, or surplus sent within the last three years The current balance in any suspense account as of today and the reason why such funds were deposited in the account The name and address of the owner of the promissory note secured by the deed to secure debt for the mortgage loan referenced above The names of all entities to whom the promissory note referenced above has been sold, assigned or transferred, and the dates that each sale or transfer of the note occurred A copy of the note referenced above, and any attachments showing endorsements that have occurred A copy of any assignment of the note or deed to secure debt A description of all loss mitigation and foreclosure avoidance steps taken with regard to this mortgage loan, including all calculations concerning debt-to-income and net-present-value determinations and all documents regarding loss mitigation A description of any foreclosure avoidance steps taken with regard to this mortgage loan A copy of any Assignment Assumption Agreements concerning the securitization process of my loan What is the Chain of the Securitization on my loan? Was there any legal representation on my behalf by XXXX XXXX XXXX XXXX involved in any negotiations concerning the modification of loan terms? Who are the Trustee/s of loan and or Trustee of my Deed and Trust from the life of the loan? Has my loan ever been through Bifurcation at any time for the life of the loan? XXXX
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

Colts Neck, NJ

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

Cimarron Hills, CO

Loan modification,collection,foreclosure

Mortgage: VA 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

Anaheim, 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

2016-09-21

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

2016-09-21

Itasca, IL

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: Yes Timely Response

2016-09-21

Philadelphia, PA

Credit line increase/decrease

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

2016-09-21

Atl, GA

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

2016-09-21

Chino Hills, CA

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

2016-09-21

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 monetary relief

Disputed: No Timely Response

2016-09-21

Dallas, 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

2016-09-21

Jacksonville, FL

Delinquent 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

2016-09-21

College Hills Mall, IL

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

2016-09-21

Cottonwd Hgts, UT

Loan modification,collection,foreclosure

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

2016-09-21

Boston, MA

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

2016-09-21

Jersey City, NJ

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: Yes Timely Response

2016-09-21

Hollywood, FL

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 non-monetary relief

Disputed: No Timely Response

2016-09-21

Sm, KS

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

2016-09-21

Atl, 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

2016-09-21

Ft Myers, FL

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

2016-09-21

Stamford, CT

Credit decision / Underwriting

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