BANK OF AMERICA, NATIONAL ASSOCIATION

2016-09-09

Bellevue, TX

Managing, opening, or closing account

Prepaid card: General purpose card

Complaint: I closed my secured credit card account with BOFA on XXXX XXXX. I spoke with a representative who told me that processing time would take 14 days at which point the prepaid funds in that account would be deposited directly into my checking account. Apparently a physical check was issued to my address on file ( which was incorrect ). I was not contacted and told that a check would be issued instead of a direct deposit into my bank account. After 18 days of not receiving my money, I contacted secured credit services and spoke with another representative who informed me that they would have to put a stop payment on the check and reissue a request for the still owed funds to be deposited within another 14 days. I requested to speak with a supervisor and after a lengthy conversation he " expedited '' my request and told me it would instead be processed in 3-5 business days. 5 days comes and goes and I still have not received my money, so I contacted the bank for the third time and after hearing my problems a rep informs me that it will take another 10 days and that she was unsure why someone had misled me a second time. After asking to speak to a resolution manager I am told that it can take 5-7 business days to deposit the money owed and that she was also unsure why the expectation was set that I would receive owed funds in my account within the suggested time frame. Because I was not ever once contacted, I was unable to prepare for expenses ( as I was assured that the money that Bank of Amerca has been holding onto for over a month would be deposit within a timely manner ) and now am incurring late fees daily. I understand that there are processes in place for a reason, but those proccesses do not seem to be universal and change each time I speak with someone new. Had I known that this would be the case with BOFA, I would have already closed my bank remaining bank accounts as I can not trust that they will keep to their word and not hold onto my money for seemingly no reason. I have been loyal to BOFA since 2011 but am becoming increasingly frustrated as this has had a direct affect on my quality of life.
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

2016-09-09

Mill Creek, IN

Delinquent account

Credit card:

Complaint: The company failed to provide me with a right to dispute, which would have given me the opportunity to settle debt before the creditor reported to credit bureaus. I am requesting this is information to be deleted from all credit bureaus on the strength that company failed to provide me with the requested information.
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

2016-09-09

Woodland, 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 explanation

Disputed: No Timely Response

2016-09-09

Austin, TX

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 monetary relief

Disputed: No Timely Response

2016-09-09

Burlingame, CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I paid off my 5.5 % interest mortgage in XX/XX/XXXX with Bank of America. I never received a final reconciliation report so I called on XXXX XXXX and was told that the lien release would be sent shortly and that I would get a {$60.00} refund. I did get the lien release notice a couple of weeks later but have not received the reconciliation report or the {$60.00} refund. Sounds like B of A is up to their old tricks again.
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

2016-09-09

Boston, MA

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

2016-09-09

Santa Ana, CA

Rewards

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

2016-09-09

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

2016-09-09

Lake Worth, FL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had an account with Bank of America, a pesonal and a business account. XXXX day i saw that my account didnt have any funds and after I went to the bank the told me that some checks were deposit in my stolen checks were deposited in my account and money withdawl, they told me that somebody had created an online account and requested a duplicated atm card, my card was used three times in XXXX. They told me the checks were deposit at the bank. When I told them that was not done by me, they kept telling me that is was nothing they could do and they took the money I did have to cover the fraudalent charges. I ask to see the videos from the bank, they refuse, I filed a complaint with the police department case No XXXX with officer XXXX, he started connducting investigation and he requested the bank copies of the video, the bank refused again, and the officer was obligated to obtain a production to produce from the court and a subpoena de bank, again once officer XXXX presented those documents, they refused to give him the bank video and continue to prolonge the process. in the menatime, the have my records as abuse of account, and I am not able to open any other account with any other institution. At this point I dont know what else to do, i need help. i believe this is an inside job, bank employees, since, to deposit a check and to make a withdawl you need to show indetification, also, the check that were deposit were stolen.
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

2016-09-09

PA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I was recently scammed and Bank of America is holding my liable for the sum of {$47000.00}. They closed my accounts and took all of my money in checkings account and savings account even after explaining to them that i was scammed. I have no money to my name and no way of paying this amoung.
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

2016-09-09

Philatelic Center, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I signed into my Bank of America Business account today and noticed that I have had fees for the past 3 months of $ XXXX/month for XXXX business checking account and $ XXXX/month for the other. On XXXX XXXX, 2016, I had downgraded both of these accounts to a Business Fundamentals account which required minimum $ XXXX daily balance or $ XXXX average monthly balance, which has been met with over $ XXXX average monthly balance since then. The agent had informed me that I only needed to meet the requirement of average monthly balance in XXXX account because the accounts are linked. However, it looks like that starting in XX/XX/XXXX, the fees started to be assessed again. The total sum of the fees is {$45.00} for XXXX account ( {$15.00} x XXXX ) and {$36.00} for the other account ( {$12.00} x XXXX ).
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

2016-09-09

Money was not available when promised

Money transfers: International money transfer

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

2016-09-09

Allentown, PA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: Three months ago, Bank Of America started charging me {$25.00} a month on my checking account. This happened right after they issued me a new credit card claiming a vendor was hacked with credit card information. Thank you.
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

2016-09-09

Bradenton, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I was closing on my house XXXX/XXXX/16 and my realtor emailed me wiring instructions for the closing on XXXX/XXXX/16. I printed them and took them to XXXX XXXX, my bank, and wired the {$51000.00} to the bank of America account on the email. I was notified at XXXX XXXX on XXXX/XXXX/16 the title co had not received the funds and immediately went to XXXX XXXX. I met my realtor and it was determined her email was hacked and the bank information changed, XXXX XXXX, XXXX banker, filed a fraud claim. I walked over to Bank of America and spoke to XXXX XXXX explained the situation and asked him to freeze the account. I was told I am not their customer and he would only deal with XXXX XXXX fraud dep't. He gave me a code " XXXX '' and said to make sure XXXX XXXX used the code on the report. I returned to XXXX and XXXX XXXX added the code. I was told the wire had not been initiated until XX/XX/XXXX as it was XXXX on XX/XX/XXXX when I had requested it and they thought it could be stopped. On XXXX/XXXX/16 XXXX XXXX XXXX XXXX called and told me the money had been withdrawn that day from Bank of America. Bank of America could have prevented this and I have lost my life 's savings.
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

2016-09-09

GA

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: As a home- owner we have not received a written offer from Bank of America N. A , as the lender or servicer that we deem acceptable. The federal Real Estate Settlement Procedures Act, XXXX 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. 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 Trustees of loan and or Trustees of my Deed and Trust?
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

2016-09-09

Abilene, 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

2016-09-09

Patterson, MD

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: I heard on XXXX news that XXXX XXXX was fined for credit card scams. The same credit card scam has happened at Bank of America in XXXX, Maryland on XXXX XXXX. Customers like myself had credit cards opened in their names without their knowledge. Bonuses was given to the bank representative that fraudulently applied for the credit card. I have reported my incident to XXXX bank managers in XX/XX/XXXX and the other in XX/XX/XXXX. I mailed a letter to the CEO of Bank of America in XXXX XXXX. I gave the current bank manager ( XXXX ) a copy of the CEO letter. XXXX filed a formal complaint on my behalf. An employee, XXXX was terminated ( according to XXXX ) for committing the credit card frauds and I was not the only customer the fraud/scam was committed against. The bank manager XXXX XXXX, did not file a complaint in XX/XX/XXXX. She acknowledged that XXXX had committed credit card fraud and I had not received a disclosure ; however, she requested that I use the card to get rewarded for purchases. In addition, I was to see XXXX XXXX should I have concerns, employee XXXX has a XXXX and she would take care of the situation. The purchase reward, according to XXXX XXXX, would pay the credit card balance after I used the card for XXXX year. I have used the card for one year and I have not received purchase rewards to pay-off the credit card balance. XXXX XXXX is working at a Bank of America branch in XXXX, MD on XXXX XXXX, according to XXXX. I am concerned that this scam involving Bank of America has not been addressed for I am waiting for a response to the letter I sent the CEO and the formal complaint filed by XXXX, Bank Manager. Recently I was sent a letter from Bank of America stating changes to my credit card agreement. How am I to agree with recent credit card agreement changes if I never received the initial agreement/disclosure? I have no idea what information was used to apply for the credit card. I never discussed credit card, never had any intentions on applying for a credit card with Bank of America, and only went to the bank the day the credit card information was submitted to get a check register.
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

2016-09-09

Soddy Daisy, TN

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: My home was foreclosed in XXXX and the foreclosure was complete in XXXX i have recived the transfer of deed from my name to Bank of America the complaint is its still on my credit report and would like it removed from my report so i can start new with my family i have requested for it to be removed but i have still yet to hear from them
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

2016-09-09

Springfield, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have a conventional fixed 30 year mortgage and have been making extra payments on the mortgage to get the loan paid off quicker over the past 6 years. My current LTV of the original purchase price of the home is currently XXXX %. The " scheduled '' XXXX % LTV passed on XXXX XXXX, 2016 for a cancellation date. I have requested Bank of America to cancel the PMI. They are refusing and requiring me to get another appraisal done on the home for the current value. But the law said it is only for the original value of the house for the PMI to get taken off. I have always paid my payments ahead of time with extra payment to the principal. I have never missed or been late with my mortgage payments and I have excellent credit with a score around XXXX. I am tired of wasting money to this bank for PMI when I should n't still have to be paying it. If they do n't resolve this issue, they are going to lose this investment and my business with my other accounts at Bank of America. I will refinance with another bank for my 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

2016-09-09

Lk Buena Vis, FL

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: In 2008 I contacted Bank of America for a refinance on my primary residenc. After some lengthy discussion I was advised of a HAMP program that would allow me to lower payments. After further explanation by BofA I was told that in order to qualify for this modification I would have to make payments less than required to be included in this plan. I initially refused as my credit was great and would n't want to damage it. The representative then assured me that they would block my credit reporting so that I could qualify ( received this in writing ). After retiring this in writing I accepted, signed paperwork, made the lowered payments as required for 3 months, and was told my the same representative that I was approved for permanent plan. Around 6 months later my credit began taking negative hits for late/missing payments. I reached out to the represent ice who assured me it would be fixed, 4 months later, still getting dinged on credit report. Now almost 8 years later they continue to report my mortgage delinquent and have ignored my emails, calls trying to hold someone accountable for their deceptive and unfair trickery. I have several emails/ documents showing their explicit deception and how I was let to believe I was approved and credit blocked only to be lied to and now they want to for lose on my home and hold me accountable for almost XXXX in law fees when they LIED to me and tricked me. Please help me hold someone accountable there.
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

2016-09-09

CA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: As my letters indicate, I declared bankruptcy in 2013. However, even though XXXX mortgage accts with BofA were included, I have not missed a single payment during or since the bankruptcy. Never missed or been late since XXXX accts were opened. However, BofA does not report my payments to any of the credit reporting agencies. When I complained to BofA, they sent me a list of the agencies and their phone numbers, but the agencies just report what they received from my creditors -- -except BofA does not report anything from me. I even told the agencies and BofA that I would, at my expense submit copies of the checks from 2013 to the present for XXXX accounts showing payments. The agencies ignored my letters and BofA, as their letter indicates only sent me a list of credit agencies. I need to get BofA to report my payments to them for these XXXX mortgages.
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

2016-09-09

Bellevue, TX

Unsolicited issuance of credit card

Credit card:

Complaint: Bank of America opened a credit card account in my name without my authorization, at the same time I opened a checking account with them.
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

2016-09-09

Oxford, GA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.
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

2016-09-09

Managing the loan or lease

Consumer Loan: Installment loan

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

2016-09-09

Ft Belvoir, VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX XXXX I called XXXX to pay {$200.00} for my credit card that was declined and I was very late. The payment went through from my Bank Of America checking account. I called again XXXX XXXX XXXX they said I am OK. I used the card normally. Almost one week, Thursday XXXX XXXX, I checked my Bank Of America account I found it overdrawn and they applied a {$35.00} fine against me. I called BOA costumer service, The lady said the payment was not proceeded from XXXX. Then she said we can not cancel the fine after a long argue. This is not the first time they do n't reflect transactions in my online banking. The hold them until they could apply any fine they want. They did it before with me and with many of my friends. and every time I call the merchant or any other third party they say we proceeded your payment, but when I call bank of America they say it 's not from us! First, the question is why should I pay from my kids budget if these banks are not doing their job? How can I get my right if I am the weakest party of the deal? Second, Why they hide peoples data to use them at the moment they want? Third, why every time I should pay for a wrong computer system that I do n't have any control on it and it gives me a wrong data. I used to pay according to what I see on my smart 's phone online banking. Forth, they never hide goods and food or gas transactions, all what they hides are checks, and scheduled payments to snatch the unfair and illegal {$35.00} fine. Please help me i getting back this amount as a sign of our government financial institutions rigor. As sign of fairness and legality. If they do the same thing with XXXX account holder this means a lot of easy tricky money they are collecting. Please help in this please.
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