BANK OF AMERICA, NATIONAL ASSOCIATION

2016-09-18

Henrico, VA

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

2016-09-18

Oak Lawn, IL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Company Response: Company believes the complaint is the result of a misunderstanding Closed with explanation

Disputed: No Timely Response

2016-09-17

Aventura, 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 explanation

Disputed: Yes Timely Response

2016-09-17

N San Juan, CA

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 non-monetary relief

Disputed: No Timely Response

2016-09-17

Cypress, 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

2016-09-17

Effingham, 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

2016-09-17

Cincinnati, OH

False statements or representation

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

Attempted to collect wrong amount
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

2016-09-17

Rochester, WA

Identity theft / Fraud / Embezzlement

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: Yes Timely Response

2016-09-17

Wallington, NJ

Using a debit or ATM card

Bank account or service: Checking account

Complaint: This is my fourth time I am complaining about Bank of America! They have not done or helped me with the three first complaints, and they once again hit with another late fee charge for what reason?! They transferred money from my savings to cover a charge on my checking and hit me with a {$12.00} fee for the transfer are you kidding me! I rather stay - {$1.00} then {$12.00} and then they hit you with an extended over draft fee or a transacting transfer fee! This bank is a con all the way! They help themselves not their customers who keep them in business!! I call for help and no one at Bank of America can help you EVER! Always excuses or we ca n't do anything or you reached a limit! Sickening!! I do n't make much money, and my father just passed away and I am bleeding money, and this bank is just taking the little bit I got left. I got hit with all the funeral and hospital expenses and I have no money due to this bank!! I also got {$200.00} stolen from my account and this bank stI 'll has returned my calls, or returned my money. They call you and you call back 10 min later nobody picks or calls back! I do n't recommend this bank to anyone!! Bank of America is a con and a joke. They rob people legally and that is not right!! I work hard for all my money I make!!
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

2016-09-17

Charlotte, NC

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

2016-09-17

Federal Way, WA

Billing disputes

Credit card:

Complaint: Alaska XXXX XXXX auto-payment options are misleading, causing customers to choose the wrong payment option and getting charged for interests every month. When I set up the auto-pay online, the available options are : 1 ) Minimum Amount Due 2 ) Amount Due 3 ) Statement Balance 4 ) ____ ( fill in amount ). I had selected # XXXX Amount Due believing that this meant paying the full amount due and not minimum amount due. According to the bank representative, Option XXXX and XXXX are the SAME and I should have picked # XXXX instead. I had contacted customer service previously and no one had told me about this error. I noticed the continuous interest charges just this week, called the bank, and got transferred to the online unit who was nothing but useless. They insisted that this is a user error and there is nothing they can do. The written communications on the e-pay site is so misleading that it appears deliberate. This must have caused many customers to make similar mistakes and be forced to pay interests unfairly. I 'm looking for help resolving this issue as the bank representative and manager have refused to take any action.
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

2016-09-17

Hamburg, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I have been trying to work with Bank of America to refinance a mortgage. I have never missed a payment and have been a customer of the bank for over 30 yrs. They are currently charging 8.79 % interest on the loan and even with my good history refuse to refinance at a lower rate. I feel that I have been victimized by these people for at least 3 yrs. There has to be something that can be done.
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

2016-09-17

Cheverly, MD

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Upon receiving a weekly programmed text message of my checking account balance, I realized my account was in the negatives and when I checked my account, I realized there was a {$35.00} overdraft fee from Bank of America from a Venmo payment that was withdrawn one day prior. I called Bank of America customer service to try to resolve the issue which is where I learned that I had been charged an overdraft fee twice before and never even realized or was notified of such. The customer service representative refused to reverse the charge or try to resolve the issue and when I requested to speak to a supervisor, I was told that I should be receiving a callback in 24-48 hours. I never received a call back whatsoever and it has been almost 2 weeks after this phone call. My surrounding friends and sister whom are all customers of Bank of America had all admitted they had been charged overdraft fees for the same reason multiple times and had them reversed, so I was quite confused as to why I was rejected from a refund when the same exact thing happened to me. Awaiting the callback from the supervisor left me in a supreme negative amount in my bank account, which left me unable to use any form of payment until I had received my first paycheck from my first job.
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

2016-09-17

Wallington, NJ

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Bank of america has been a nightmare for me this month with their messed up claims depth, to all their crazy fees, and fees that do n't make sense at that. They have poor customer service, in which they do n't do enough to help or get anything resolved for you! This is my fifth complaint, and I will keeping complaining everyday till bank of America helps me get my {$200.00} stolen from my account, all the mystery fees on my account, and a {$35.00} I got today for XXXX cents taken out by XXXX, in which I did n't know because I never authorized XXXX to do that! These companies take advantage of little people like us, because I work hard for my money and ca n't afford all these smacks bank of America has given me with taking my money! I am switching banks, once I get my money back because I just ca n't trust this bank anymore. I never do any claims because it 's embarrassing and their claims process is corrupt and unjust to the customer!!! I am not so XXXX off the street! I am XXXX yrs old and never dealt with such bad 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

2016-09-16

Bitter Lake, WA

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

2016-09-16

Wildwood, 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: No Timely Response

2016-09-16

Rockwell, NC

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

2016-09-16

Alachua, FL

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

2016-09-16

Clarksville, MO

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

2016-09-16

Manhattan, NY

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: Yes Timely Response

2016-09-16

Key Biscayne, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Bank of America has charged me in excess of {$2500.00} in NSF fees in the past 12 months. Recently, they charged me {$170.00} in under 48 hours before my direct deposit came through and paid the balance well into the positive. I have filed XXXX complaints, spoke with corporate and they refuse to give back my the money they took. This new form of payday lending is outrageous. For under {$100.00} in overdraft I paid back the {$100.00} plus {$170.00}. They know that most overdrafts are under {$25.00} yet they will charge you {$35.00} four times in one day like they did to me from XXXX/XXXX/16 to my payday XXXX/XXXX/16. I waited on hold for over an hour. I asked to speak with a supervisor, again on hold. The game is to see if they can get you to give up because they know from your direct deposit that you must be at work and that 99 % of people ca n't spend an hour at work on the phone with them. It is high time that NSF fees be looked at as percentage of overdraft instead of a flat fee. A 48 hour loan of {$100.00} should not cost {$270.00}!!!!! Stop allowing the loan sharking!!! The only person who benefits from NSF fees are middle management and up. They do this to millions of people a year!!!! Do the math on XXXX XXXX people charged {$2000.00} per year in fees - it is crazy!!!!
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

2016-09-16

Stevenson, MD

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX XXXX, I made a payment to a company with my Bank of America debit card. A hold was placed on my account for XXXX charges and Bank of America told me the other hold would drop. When the other hold dropped, my account balance did not go up. I have screenshots and printouts detailing everything. Bank of America owes me {$95.00}
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

2016-09-16

Camp Springs, MD

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: Yes Timely Response

2016-09-16

Littleville, AL

Closing/Cancelling account

Credit card:

Complaint: I have a credit card with Bank of America and due to charges I thought were fraudulent requested they change my credit card number which they did. At a point after that, I had called the company onstar and requested they cancel my account which they did not do and charged my account several more times. I found it odd that they were able too get those charges through since the card number they had was the old XXXX and called Bank of America and asked them to cancel my credit card which they said they did. I have had several more charges go through from other companies even after cancelling my card because Bank of America says they saw them as revolving charges and they always let them go through and that I have to contact all the companies and cancel those myself. I told them that I always refuse revolving accounts and no company has my approval and that I want no more charges from any company to go through and they said they can not do that. They told me if any charges from any company I have done business with in the past comes in they will pay it and I will have to contact all the companies to cancel. I told them I do not know what companies to contact because I have not given anyone permission to do a revolving account and want the bank to stop paying them but they have refused to completely close my account and stop letting such charges come through. Bank of America says I will just have to keep getting and checking statements and deal with each company as they come through because they do not stop taking those type charges until a certain period of time of inactivity has occurred. When I asked what is the length of time, they said it is not a specific amount of time. I closed the account 8 months ago and they still let XXXX recent charges go through 8 months later. I want the account closed completely with any and all charges blocked. It should not be legal that I can not completely cancel a credit card, and that I have to worry about still checking statements for some unspecified period of time before the bank finally stops letting charges go through on a closed account. Consumers can not know what companies will be charging the account in order to call them prior to them charging the account if the companies are doing so without approval, so canceling the card should stop that, but not with Bank of America. Also, it should not be legal that charges can go through when a company submits a charge on an old card number and they do not have the new card number, but not at Bank of America.
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

2016-09-16

Soquel, CA

Delinquent account

Credit card:

Complaint: Bank of America Card services. XXXX : act # XXXX and XXXX I was recently served with the summons from XXXX and XXXX for collection on bank of america behalf for the account numbers state above. Back in XXXX my family and I have experience financial hardship of which B of A were well aware of. I have received financial advice and was able to negotiate payments and interest rates with all of my other credit card merchant companies, but Bank of America cards services refused to offer or intended to help reduce interest rates or payments on these accounts state above. My monthly payments were over $ XXXX/mo at the interest rate of over 26 % ( which is almost triple of the legally allowed interest rate for the state of CA- usury could be a good subject to bring up in court ) .. I attempted to negotiate with BofA regarding my situation but instead I was directed to speak with an XXXX card services ; Balance Financial XXXX XXXX and XXXX - these were for people with financial stress ; by all three of these programs whom I spent hours on the phone, all they can verbally tell me was to " look for additional money to pay off the debt ''. This is against all debt recover programs and bail outs received by B of A, and that Bank of America ignored or cared enough to participate or offer settlement relief to their clients .... There are many complaints on CFPB even a class action lawsuit due to ignorance, negligence and incompliance of Bank of America which caused a lot of financial harm to many of the Bank of America card holders. Also, do note that first date of default on these accounts was XXXX of XXXX after my numerous attempts and requests for lowering interest rates and payment reductions to you. I have supporting documentation that I would be happy to include in discoveries to be presented to the judge. Bank of America is reporting these accounts as " charged off '' but yet you are demanding a FULL payment on the accounts you have charged off/wrote off your books and have received tax benefits from ... Recent attempt to settle these accounts with Bank of America have directed me to contact XXXX and XXXX. When negotiating a settlement with XXXX and XXXX I was told that they would have to get approval from Bank of America before they can accept anything less than a full balance. And earlier this year I have received a collection letter from XXXX and Company ( attached ) as an attempt to collect on behalf of Bank of America for the same accounts stated above. Also, At this point I 'm left questioning WHO is the legal owner of this debt? And why Bank of America is stating I need to settle with XXXX and XXXX, who in turn state they need to have settlement approved by Bank of America. And WHY am I served with judgement when I have attempted to settle this debt on numerous occasions ... .I have never refused to repay but B of A rejected all my payments, charged off the accounts, sent me XXXX then now I 'm being served for judgment to pay these charged off accounts and being contacted from a collection company on the same accounts. This is abuse! please help me stop this!
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