BANK OF AMERICA, NATIONAL ASSOCIATION

2019-11-07

Citrus Ridge, FL

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Sent card you never applied for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-06

Los Angeles, CA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: In progress

Timely Response

2019-11-06

Roanoke, VA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-06

N Andover, MA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

South Holland, IL

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: In progress

Timely Response

2019-11-06

Brooklyn, NY

Problem when making payments

Credit card or prepaid card: General-purpose credit card or charge card

Problem during payment process
Company Response: In progress

Timely Response

2019-11-06

Live Oak, TX

Opening an account

Checking or savings account: Other banking product or service

Account opened as a result of fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Brookfield, IL

Managing an account

Checking or savings account: Other banking product or service

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Alexandria, VA

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: XXXX XXXX inquiry with the credit bureaus regarding my credit report without my written consent. I never authorized XXXX XXXX to request credit report without have permissible purpose. I only have two credit cards with XXXX XXXX nevertheless there are over 7 hard injury on my credit report without my written consent. My credit score with XXXX has dropped by 58 points and can't be fixed. I have never given written consent to XXXX XXXX and XXXX XXXX has never asked for written consent. According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. I have disputed inquiry through the credit bureaus regarding my written consent concerning all inquiry on my credit reports with XXXX, XXXX, and XXXX under the FCRA but hasn't received a timely response regarding my written consent. Each CRA hasn't responded yet regarding my written consent. XXXX XXXX have abuse inquiry without my written consent all with the attached document regarding inquires on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Soquel, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Information belongs to someone else
Company Response: In progress

Timely Response

2019-11-06

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: In progress

Timely Response

2019-11-06

Bryan, TX

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Columbia, SC

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: In progress

Timely Response

2019-11-06

Dardenne, MO

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Chicago, IL

Managing an account

Checking or savings account: Checking account

Banking errors
Company Response: In progress

Timely Response

2019-11-06

Key Biscayne, FL

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-11-06

Santa Ysabel, CA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Unexpected increase in interest rate
Complaint: I made a payment to Bank of America on XX/XX/XXXX of {$250.00}. My account was closed on XX/XX/2019 and the balance at that time was {$17000.00}. When I closed the account due to unfair and deceptive practices, the agreed upon APR of 0 % was applied to a balance of {$8800.00} and {$8200.00}. I closed the account in XXXX. The agreed upon APR on the balances was 0 % and the agreed upon minimum payment was {$200.00}. Bank of America, changed the agreed upon 0 % APR on XX/XX/XXXX, on both balances to 24.99 % and changed the minimum payment changed to {$550.00}. The agreed upon APR when the account was closed back in XXXX was 0 % on all balances with a minimum payment of {$200.00} and I didn't agree to any changes. I made a payment of {$250.00} and Bank of America is reporting to the Bureaus false information about my payment history. The current account balance is {$17000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Skagway, AK

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: XX/XX/2019 this is one of multiple calls received they claim they are from Bank of America offering to lower my interest rate to 0 % - This phone number belongs to some one in XXXX Alaska. they called from XXXX. I gave no information and hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Boca Raton, FL

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-06

Jacksonville, FL

Written notification about debt

Debt collection: Credit card debt

Didn't receive notice of right to dispute
Complaint: I received an email from Bank of America regarding alleged debt but I didn't receive nothing via mail nor right to dispute the alleged debt. The email never stated that I had the right to dispute the alleged except to collect debt. I know my consumer rights which my attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX advised me of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-05

Tampa, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Bank of America opened an unauthorized account without my knowledge or permission ( see attachment ) it's the Home Equity Line of Credit. Furthermore, Bank of America force placed 2 homeowners insurance policies through their wholly owned subsidiaries going back to 2006 and added the costs and premiums to my mortgage even though I had a homeowner 's insurance policy through XXXX XXXX and XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-11-05

FL

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Closed with explanation

Timely Response

2019-11-05

Federal Way, WA

Advertising and marketing, including promotional offers

Credit card or prepaid card: General-purpose credit card or charge card

Confusing or misleading advertising about the credit card
Complaint: On or about XX/XX/XXXX, I received an email offer from XXXX XXXXXXXX which promised XXXX miles upon approval. Since I fly XXXX I applied. When the application came up on my screen it showed an APR of 17.34 %. Nothing else was disclosed. I filled out the application online and was approved in less than 5 minutes for {$5000.00}. I received the card in the mail on XX/XX/XXXX. Upon opening the envelope I began reading the terms and conditions. The first item was " when you spend {$2000.00} within the first 90 days you will receive XXXX on your mileage plan. The next item was the percentage rate of 23.74 %. The last item I found out today was a XXXX XXXX yearly enrollment fee. My credit rating is XXXX according to the enclosed report. I did not activate the card, and I cancelled it on XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response