BANK OF AMERICA, NATIONAL ASSOCIATION
Consumer Complaints
There are over 87057 complaints on file for BANK OF AMERICA, NATIONAL ASSOCIATION. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 32
2019-10-28
Discovery Bay, CA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Complaint: Hello, I opened my bank of America account on around XX/XX/XXXX. I also attached the {$300.00} checking account offer to my checking account. The offer code was XXXX. I fulfilled all the requirements on XX/XX/XXXX and XXXX, which is direct deposits totaling XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-10-28
Unexpected or other fees
Money transfer, virtual currency, or money service: International money transfer
Company Response: In progress
2019-10-28
Mid City West, PA
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
2019-10-28
Alpharetta, GA
Problem with a credit reporting company's investigation into an existing problem
Credit card or prepaid card: General-purpose credit card or charge card
Their investigation did not fix an error on your report
Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that BK OF AMER has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Charlotte, NC
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: I received a e-mail from a XXXX XXXX after filing a complaint to the XXXX XXXX XXXX XXXX. XXXX XXXX told me via voicemail that the XXXX XXXX XXXX XXXX provided my information to him. I tried getting in contact with him and haven't been able to. He tells me to only contact him by telephone. I went to my local Bank of America close to my home and spoke to a banker, not the bank manager this time. I also spoke to a live representative on the telephone who stated she doesn't know a XXXX XXXX. The banker who assisted me suggested it was spam or an impersonation. So I am writing to verify who reached out to me.
Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-10-28
Atlanta, GA
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Complaint: 1. On today, XX/XX/2019 I visited the XXXX XXXX XXXX branch for assistance.
2. I sat on the couches for several minutes without being greeted or acknowledged.
3. I asked a teller whether anybody would come to see about me. The teller said to sit on the couch and " any of us can assist you. '' 4. After twenty minutes, XXXX p.m. to XXXX XXXX., I still have received no assistance or even been greeted or acknowledged.
5. There is a representative sitting in his office doing nothing.
6. I placed several calls to the branch while in the branch and no one is answering the phone.
7. BOA branches are understaffed. BOA collects monthly maintenance fees from customers, but does not spend adequate money in labor to provide the most basic customer service.
8. This is consistent with other experiences I have had at other BOA branches.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Albuquerque, NM
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Brooklyn, NY
Trouble during payment process
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Bohemia, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Complaint: I have excellent credit and FICO Score, however, I'm being rejected by Banking Institutions and denied credit for credit cards. This action and the reasons the Financial Institutions provide, Specifically Bank of America and XXXX deny my new applications based on wrong information reported on my Credit Report. I'm being discriminated against as a woman, age and young retired XXXX XXXX Employee. I own a home, paid off mortgages and car loans and there is no reason to deny me on a new credit card application. I've demonstrated sound payment judgement, and deny me access to credit cards or for financial institutions to deny my candidacy for credit lines or loans when I have property and have not filed a bankruptcy is against a host of laws. It takes 25 months to remove a hard inquiry from your credit report when applying for credit cards. This activity negatively impacts my ability to be employable. Employers look at your credit report, whether it's a hard or soft inquiry. I subsequently applied for 2 credit cards online on the same day and was denied by both Financial Institutions. The reasons stated are due to wrongful and outdated credit card information on my XXXX Report. I received my free credit report dated XX/XX/XXXX inquiry number XXXX, where Bank of America denied me credit due to too many inquiries on my report, serious delinquency, lack time of delinquency is too recent or unknown and lack of recent installment loan information. My credit score is between 709-726 as a retiree. I should be able to access all forms of credit cards and loan products, but XXXX XXXX actions and the Banking Industry are purposefully negating my applications. I would like your agency to investigate the situation and have XXXX remove the outdated credit card accounts, look into the response Bank of America provided when they denied my credit card application which gets reported to the credit agencies and placed on my report for 25 months making me ineligible for a employment, new applications, loans. This actions cripples a persons ability to support themselves. I would also like the CFPB to ensure that XXXX and Bank of America takes the necessary steps to submit information to correct it. A consumer can not ask or receive an appeal in the mail for a Credit Card Application when the Banking Institution is wrong. When the action is inappropriate and negates a Consumer 's credit rating and is allowed to remain on the report for 25 months-its gives other lenders the ability to also discriminate. I'm asking for your assistance.
Bank of America Ref, Number XXXX letter dated XX/XX/XXXX XXXX XXXX ( Former XXXX XXXX EMPLOYEE )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Las Vegas, NV
Closing your account
Credit card or prepaid card: General-purpose credit card or charge card
Company closed your account
Complaint: On XX/XX/XXXX, I made a cash deposit into my checking account at an ATM. Within a minute, I transferred that money to my credit card as a cash payment. On XX/XX/2019, I made a cash payment on my credit card, through a B of A teller at a branch near my home. The teller accepted the payment in the amount of {$230.00}. The teller did not communicate with me about the payment, other than to take it and apply it to my credit card. I know this teller, and I know other people at this branch.
On the next day, XX/XX/2019, I made another cash payment on my credit card, this time in the amount of {$260.00}. Again, there was no notification given to me other than the cash payment to my credit card was accepted.
For some reason, my XX/XX/2019 payment was reversed without my authorization and my XX/XX/2019 and my XX/XX/2019 cash payments were placed on hold for 5 business days. No reason for the holds were ever given and no notice was ever provided to me at the time of payment that the cash payments would be held for 5 business days.
Without any commercial reason or notification, Bank of America revoked my credit on this card on XX/XX/2019. The credit card remains closed.
On numerous times and dates, I spoke with various members of Bank of America, asking someone to explain to me why the credit was revoked and Bank of America closed my card without notice on XX/XX/2019.
On XX/XX/2019, I finally got in touch with a person in the department that revokes credit. That person, XXXX, in the Maine office ( the only office Bank of America has in Maine ) stated that he did not know why the cash payments were held, why the payment on XX/XX/2019 was reversed or why a review of my account was done on XX/XX/2019. He stated a credit bureau report was pulled on XX/XX/2019, without my knowledge and as a result of that action, the credit was revoked that date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
MI
Attempts to collect debt not owed
Debt collection: Mortgage debt
Debt was result of identity theft
Complaint: Dear CFPB, Please find my Complaint against Bank of America ( BOA ) for their repetitive refusal to provide me an answer regarding BOA claims to my property ; and their failure to explain why BOA collects my loan payments which suppose to benefit XXXX XXXX investors.
Based on numerous factual evidence, BOA ( who was the real party who provided financing for my loan by illegally trading my identity on the open market, without my knowledge or consent ), acting through its sham conduits, Countrywide Financial , Inc. ( now renamed as XXXX XXXX XXXX , XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) never placed my loan in any XXXX XXXX Trust ; and instead created for themselves a stream of tax-free revenue from me under glimpse of repayment of debt. In reality, BOA owes me at least 20 % royalty from their derivative trades using my name, my signature, my reputation and my homestead as their collateral, without my knowledge or consent.
Moreover, BOA and their affiliates XXXX, XXXX in XX/XX/XXXX monopolized VA appraisals services to generate overstated appraisals to increase BOAs trading value. The Appraisal for my property was done by a la moda software ( long-time used by XXXX until they purchased it in XX/XX/XXXX ) and came at {$140000.00} while amount of financing was {$130000.00}. Thus, BOA sold my identity on the open market for at least 3-4 times more, based on the property appraised value and received at least {$430000.00} ( $ XXXX x 3 ) of which {$130000.00} were forwarded to XXXX XXXX branch in XXXX XXXX, CA where XXXX XXXX , XXXX ( XXXX ) ( who impersonated as a Lender ) sent my private information on XX/XX/XXXX. It is evident from Commitment letter which was prepared by XXXX which stated that I will buy XXXX debt product.
From day one my application was handled in California, and this is evident from time when I signed via some clout email located on someones server which was working on Pacific time. XXXX was merely an another conduit for BOA which they use to mislead borrowers and conceal BOAs involvement in lending practices and protect BOAs stream of revenue from trading on borrowers identity without their knowledge or consent.
XXXX XXXX branch is operated by Mr. XXXX XXXX, a relative of XXXX XXXX, co-founder of Countrywide Financial , Inc ( whom BOA used as their sham conduit since at least XX/XX/XXXX, or after President William Clinton repelled Glass Steagal Act ) XXXX XXXX worked for Countrywide since XX/XX/XXXX to XX/XX/XXXX, thus was actively participating in the biggest economic fraud in the Worlds history operated by Investment banks, each of whom had its own cover up, like Countrywide ( BOA ; XXXX ( XXXX XXXX, XXXX ) In XX/XX/XXXX XXXX XXXX, who was controlled by BOA, knew that their lending practices are illegal, and decided to create a fake corporation Americas Wholesale Lender ( AWL ) to potentially shield Countrywide from liabilities.
AWL Countrywide ( read : Bank of America ) fraudulently created 3.5 MILLION loans at taxpayer expense with a scheme so simple it seems impossible they got away with it at all. Instead of becoming licensed and registered in every state, Countrywide simply made up a trade name ( DBA ) that they could register in every state that would slide under the radar of the regulators. They made up the innocuous name Americas Wholesale Lender and got to work. Their scheme worked and nobody noticed that Americas Wholesale Lender wasnt a corporation registered or licensed to do business in their state. Countrywide created 3.5 MILLION loans across every state in the country under the DBA Americas Wholesale Lender. The catch is that a DBA such as Americas Wholesale Lender is not a legal entity. It is simply a trade name. Countrywide figured that, if caught, they could avoid punishment by claiming that it was all a clerical error.
After they made the loans, Countrywide never sold them to a securitized trust as they were required to do by the pooling agreements. Instead, the loans were controlled by Bank of America ( BOA ). As a result, BOA was collecting payments and foreclosing on loans despite the fact that it never owned or funded any of the actual loans.
BOA continues the same criminal practices as of today ; and never sold my loan to any securitized XXXX XXXX Trust but instead control my loan though their sham conduits still operated by Countrywide executives, under different corporate names XXXX and XXXX, none of whom have any documentation to provide any proof of their legitimate rights to collect from me. All my payments are collected by BOA who sent me threatening Notices of Default from their XXXX office.
After the creation of AWL, Bank of America needed to find a way to make it so that AWLI could make no claims to the loans. What they did was get MERS to create an assignment on behalf of AWLI which assigned the loan to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, or XXXX XXXX. After these fraudulent assignments, the bank attaches them to their foreclosure proceedings to trick the court into believing it is the legal owner of the loan.
All of these XXXX XXXX fraudulent loans have been fully repaid by taxpayers in the TARP bailout while BOA collected enormous profits, at least {$12.00} per dollar.
This is exactly that BOA did to my loan they used name of MERS as a Mortgagee ( which MERS can not be since they have no agency relation with XXXX XXXX and not even registered to conduct business in Michigan due to lack of corporate registration. MERS, who under XXXX XXXX MBS Guide must publish the name of the Trust where my VA loan is held ; as well as name of the loans pool never did it since here are no Trust ; no XXXX XXXX pool and no mortgagee MERS. No surprise that XXXX and XXXX claim that details of securitization are proprietory because here was no securitization of my loan, just pure revenue for BOA.
BOA continues exactly the same practices, with exactly the same people XXXX XXXX, XXXX XXXX, XXXX XXXX, ect but added another layer of protection such as fictitious Lenders like XXXX XXXX to more secretly defraud customers and the US Government ; while avoid billions of taxes collecting revenues from borrowers who think that they pay debt to legitimate investors.
According to Office of Comptrollers XX/XX/XXXX Report, BOAs current exposure to NOTIONAL derivatives is about {$12.00} dollars per dollar ( total BOAs assets {$1.00} XXXX, derivatives {$20.00} XXXX ) which BOA made by selling my home for at least 12 times more than the amount financed though their table financing practices.
Based on my very modest estimate, BOA and their co-conspirators XXXX, XXXX and their owners XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX ( who forged my loan documents ) all made very substantial profits reselling my identity, in the total amount at least {$20.00} dollars per dollar and made at least {>= $1,000,000} based on $ XXXX appraisal.
Therefore, BOA owes me at least 20 % royalties from trades, or {$580000.00}, which is customary royalties paid by oil and gas companies to land owners.
Despite the fact that BOA never lent me a single cent ; and collected very substantial profits from trades ( on top of tax-free gifts I make them each month ) BOA on numerous occasions claimed some rights to my property while failed to identify which rights BOA might have ; under which law ; and in which capacity.
On their most resent respond BOA again evaded any answers to my direct questions and falsely stated that my concerns were addressed by their lawyer on XX/XX/XXXX.
I disagree. BOA, whose headquarters are in North Carolina, but who sends me letters from their California XXXX XXXX office hired unethical and professionally incompetent Pennsylvania lawyer who is not licensed neither in NC or CA or MI to address a debt collection and property rights dispute located in Michigan.
BOAs lawyer not only does not have a legal license to practice law in any of these states MI, NC or CA but created more concerns since he insisted that BOA claims rights to TWO of my loans while I am only aware of one.
I respectfully request CFPB to submit my complaint and demand for explanations to Bank of America which rights BOA claims to my loan ; under which law BOA claims its rights ; in which capacity BOA claims its rights ; and to which second loan BOA claims its rights if I only have one loan.
I also demand BOA to pay me royalties from all trades involving my property ( based on {$140000.00} amount in trade bets ) ; refund me all illegally collected money ; and compensate me for all damages, including treble damages for fraud ; racket ; ect. total {$5.00} XXXX in damages.
Best regards XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Fairfax, VA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Brooklyn, NY
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Problem with personal statement of dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Barbourmeade, KY
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Portland, OR
Other service problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-10-28
Boca Raton, FL
Charged fees or interest you didn't expect
Payday loan, title loan, or personal loan: Personal 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
2019-10-28
Scottsdale, AZ
Written notification about debt
Debt collection: Credit card debt
Didn't receive notice of right to dispute
Complaint: BANK OF AMERICA/ CHARGEOFF ( balance {$3000.00} and {$720.00} ) Rescission of Contract. Refused for a cause without dishonur. I hereby rescind my signature and do not consent to this contract with your corporate office.
Required Proof of Claim I would be happy to settle any financial obligation I might lawfully have to you, as soon as I have received proof by way of the following Documentation : against me, a Flesh and Blood Woman with my God Given name ( XXXX : house of XXXX ).
1. Validation of the debt ( i.e. the actual accounting showing <house of Pender : Arlette> real losses, if any ) ; 2. Verification of your claim against me ( a Sworn affidavit or a hand signed invoice in accordance with The FDCPA, GAAP, and the FTC ) ; 3. A copy of the original contract signed by both parties and therefore binding both parties to the agreement.
Notice Period I hereby give you 10 ( ten ) days from the date of this notice to reply to it with a Notice, sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Notice of Terms Your said failure to provide the aforementioned documentation within the said ten days to validate the debt, will be taken to constitute your agreement by acquiescence to the following terms : 1. That the debt is in fact either invalid, did not exist in the first place or has already been settled in full.
2. That for any damages I suffer you will be held culpable 3. That any negative verbal or written remarks made to a credit reference agency will be removed.
4. That estoppel results, ( meaning that you can not and will no longer pursue this matter any further ).
Accordingly, the minimum you must do in order to carry on a lawful and honourable dialogue in this matter is to reply appropriately in some way within the ten-day period. Should some such reply not be received within this time you may as courtesy be sent a further and final notice confirming that the status of the alleged debt is as stated in the paragraph immediately above this one, although this is not lawfully required. BANK OF AMERICA are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Main Office, VA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: Bank of America Cash Rewards World Mastercard Card.
Automatic payments are a 2 step process.
First a 'ebill ' is created by BAC at statement close plus 1 day, which has minimum, statement, account balance and such.
Then the 'AutoPay ' picks the data at plus 2 days from the 'ebill ' and makes the chosen payment.
Any subsequent credit or payments DO NOT change the 'eBill/AutoPay ' process.
I can not imagine why except that this is a scheme to get around the 'credit/payments to be applied to required payments first ' rule for consumers. Since the AutoPay is based on the early eBill, BAC claims the amounts from the eBills have not changed despite credits and payments since eBill creation. Thus. consumers pay more than required by rules.
Every other card I have reduces the required payments to reflect credits and payments first - as I believe the rule requires.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Struggling to pay mortgage
Mortgage: Other type of mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Washington, DC
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
2019-10-28
Danbury, CT
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Card opened as result of identity theft or fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Magnolia, TX
Fraud or scam
Money transfer, virtual currency, or money service: Mobile or digital wallet
Complaint: This is regarding a scam to sell concert tickets. The seller 's tickets were fake and it was unknown until after the XXXX transaction was completed via my Bank of America account. The major reason I am filing this complaint is because XXXX is presented as part of the banking experience *and* the person I sent the money to is *also* a Bank of America customer according to the fraud department. Bank of America said that I need to wait in a queue to get any headway as far as my complaint being processed. I've been a customer for more than 15 years and all I am is a random account number. To obtain a bank account, you need to be approved. This means the thief 's information is at the disposal o bank of america but they are not very concerned about this. Lesson learned on my end as well : When you get a receipt call XXXX and make sure the email is a XXXX account holder and that the order number in the email is legitimate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Mahwah, NJ
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Money was taken from your account on the wrong day or for the wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-10-28
La Quinta, CA
Managing an account
Checking or savings account: Savings account
Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-28
Managing an account
Checking or savings account: Checking account
Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation