BANK OF AMERICA, NATIONAL ASSOCIATION

2019-10-28

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was paid
Complaint: To whom it may concern, On a recent review of my credit report, I discovered your company, Bank of America continues to inaccurately report the account referenced herein. Previous attempts to resolve and dispute the debt has not resulted in a correction to my credit reports. Furthermore, in XXXX your company reported to derogatory/late payments to XXXX even though the account was never late and paid in full in XX/XX/XXXX. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing the derogatory payment history, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature. Account statement and an itemization of monies owed. Copy of bill showing last default date. Proof that the debt is valid and collectible and within the statute of limitations for the state of Texas. I am also requesting that Bank of America cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to correct and/or remove the derogatory account payment history from my credit reports. Your failure to act will result in this matter being referred to the XXXX XXXX XXXX and Texas Attorney Generals Office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-28

Worcester, MA

Problem when making payments

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

Problem during payment process
Complaint: XX/XX/XXXX statement credit bal of XXXX was because this bank if you have autopay and have XXXX bal still takes auto pay from your ckg account. Called them they sent a ck for XXXX and also credoted my account which of course made me have bal ofvXXXX om my acct. Then my autopay was cancelled by me in XX/XX/XXXX when i found this out this basically was all goofed up so i thought i didnt have a balance was on vacation for 20ndays when i gotnhome i tried to straighten this out over phone pd bal plus late fee now they have reduced my avalable credit down to XXXX . Very unhappy with this bank and how they reduced my credit down to XXXX. And have 2 late pymnts on my record because of this mess. They sent me ck and credited my account, didnt they know this happened in their records.
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

2019-10-28

Salton City, CA

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

Timely Response

2019-10-28

E Laurinburg, NC

Managing an account

Checking or savings account: Other banking product or service

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

2019-10-28

Dallas, TX

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: My name is XXXX XXXX, I am the sole Director of a charitable organization called XXXX XXXX XXXX XXXX ( incorporated in the State of Texas, IRS EIN # XXXX ). We have a checking account with Bank of America, where we deposited {$3000.00} to avoid monthly fees for account balance imposed by Bank of America. In XXXX of 2018, a fraudulent charge in the amount of {$2000.00} was made at XXXX XXXX retail location in XXXX XXXX, CA. This is the ONLY transaction that has ever occurred in this account. We were never notified of the fraudulent charge in any way by the Bank and by the time we noticed and filed a claim, the claim was not accepted. Additionally, the Bank proceeded to charge monthly fees even AFTER I submitted the formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-28

E Farmingdale, NY

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

Timely Response

2019-10-28

Reno, NV

Problem with customer service

Money transfer, virtual currency, or money service: Traveler's check or cashier's check

Complaint: Ive been dealing with 2 banks. XXXX XXXX XXXX XXXX and BofA for the last 17months. The short version my boyfriend wrote me a check for XXXX i deposited it his bank couldn't reach him because he was in the hospital and passed a week later i never got the money and it wasnt returned to his account now in probate. neither bank could say where the money was finally bofa admited they have it after a year of me filing complaints to find it now they want XXXX bank to file a Alteration breach of warranty claim no one seems to know what that is and the lady at BofA Ms XXXX XXXX resulution specialist in XXXX NC office doesnt return calls from myself or XXXX so that we get the forms needed to get the funds released ive been calling her since XX/XX/2019 i faxed her a letter XX/XX/2019 and ive called again today. I think 17months is way to long for this to go on. Theres no way to speak to a superviser its horrible. not only that bofa reported me to XXXX for no reason
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

2019-10-27

Fresno, CA

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

Timely Response

2019-10-27

Magnolia, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: In progress

Timely Response

2019-10-27

Superstition Mtn, AZ

Identity theft protection or other monitoring services

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

Problem canceling credit monitoring or identify theft protection service
Complaint: I already got the XXXX XXXX XXXX BILL FIXED but its still showing up on my credit score as if Im Im negative XXXX- this balance needs to get cleared already because consumers are looking at it & it looks like XXXXm negative and cant pay my bills & causing me to get denied every bank account. please fix this As for Bank of America someone stole my debit card and my loving information and accessed my online and made fraudulent purchases on my account and this too is causing me from opening up a bank 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

2019-10-27

Great Neck, NY

Closing an account

Checking or savings account: Checking account

Company closed your account
Complaint: I opened a checking account with Bank of America in XXXX, 2018. On XX/XX/2018 I deposit a check into my BOA account written out to me from my XXXX XXXX XXXX financial Aid Loan Account. The next day Bank of America close my checking account and told me that it was close for suspected fraud and the check had bounced. I reached out to my other bank and was told that the account was fine need to call Bank of America back and the problem was on their end. I was immediately forwarded over to the risk department and was told that Bank of America reserves the right to not disclose any information and they can close any account whenever they want and they can choose whom they want to conduct business with. Anyways my account was positive when they close my account and I received a refund check to my address. However, Bank of America reported me and my account as suspected fraud to XXXX when I contacted them any times I was never able to get an answer right now I am having a hard time opening up a bank account because of this. There was no fraud conducted on my end I know outstanding balance was owed to Bank of America. I contacted him many times and could never get an answer or a letter of satisfaction. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-27

Las Vegas, NV

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX. I'm filing a complaint as a continuation of the original complaint ID # XXXX filed on XX/XX/XXXX XXXX XXXX XXXX XXXX vs. BofA Bank of America assigned the complaint to an employee from their complaint department phone # XXXX ext. XXXX and as of today I have not being able to speak with this person. After several attempts to contact a representative from BofA 's loss mitigation department I was able to speak to someone on XX/XX/XXXX who gave me instructions for how to handle this file. The representative from BofA told me that the CPFB established on XXXX that in order for a file to be considered for a short sale ( non-retention option ) it has to applied for a modification first and has been declined. I followed these instructions. On XX/XX/XXXX I submitted a complete package through the hope loan portal ( a portal created for housing counselors ). In the package I included a disclaimer regarding the homeowner 's rental income ( document attached ), which notes the fact that the homeowner has no income at this time as she is XXXX XXXX XXXX due to XXXX XXXX. She has not been approved for XXXX and her only source of income is {$1100.00} which she receives from renting 3 bedrooms. Unfortunately she doesn't have a paper trail to verify that income. No rental agreements were signed and no deposits were made into her bank account. I knew based on the investor 's guidelines ( XXXX XXXX ) that the income will not be considered therefore she does not qualify for a modification since she doesn't have the affordability to keep the property. Despite my professional opinion I proceeded to follow instructions and did as I was told. On XX/XX/XXXX I sent a message asking for a 2nd mortgage. I ran a property profile and I noticed that the property has a 2nd mortgage that it seems to be owned by BofA but the homeowner has no knowledge of a 2nd mortgage. She has never seen a statement nor has she made a payment. I also asked for a contact because every time that I call BofA to speak with someone from the loss mitigation department it is impossible. Never absolutely never have I been able to speak with someone from the loss mitigation department. I have been redirected to other departments but they have not been able to transfer me to the loss mitigation department ( message attached ) On XX/XX/XXXX I received a message from BofA stating that my message was forward to the relationship manager, until today I have never heard from the relationship manager. On XX/XX/XXXX BofA asked for a few correction for the package submitted plus they also asked for proof of rental income ( receipts ) On XX/XX/XXXX I called the homeowner to schedule an appointment. We worked on the corrections. I submitted a letter from the homeowner explaining that she has no paper trail for the rental income and to make her situation worse the tenants got worried after seeing the trustee sale notice was posted on the front door. They decided to start looking for another place to live. On XX/XX/XXXX I submitted the requested corrections plus again a letter regarding the rental income ( see notes attached ) Until today I have not heard back from BofA, I have called several times to the loss mitigation department but never able to speak with a representative. BofA have extended the sale date to XX/XX/XXXX but they are not doing anything to show an intention to resolve this situation. The fact that they wanted me to submit a package for a modification knowing that the homeowner doesn't have the affordability to sustain the property and on top of it asked for proof of rental income when it was disclosed from the beginning that she has no record of it. The fact that I have not been able to speak with a representative from the loss mitigation department and more importantly the person assigned to the complaint. I'm filing a complaint against BofA 's complaint department. The lack of good faith, how this institution put the homeowner in this predicament. I've been dealing with BofA for less than a month on this case and I can see why the homeowner wasn't able to accomplished a resolution. Now, she is already sick, tired and has no income to be able to keep the property and still BofA has not reacted to the situation regardless of the complaint filed on XX/XX/XXXX. I need help to deal with BofA and their lack of service, attention and training to their employees. I'm including copies of my communications with BofA through the hope loan portal. Respectfully, 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

2019-10-27

Wonder Lake, IL

Fees or interest

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

Problem with fees
Complaint: To whom it may concern, I have a BOA credit card. Last month I received my ebill on XX/XX/2019 : Pay To Account Number : ************XXXX Due Date : XX/XX/2019 Minimum Amount Due : {$79.00} Amount Due : {$79.00} Account Balance : {$7900.00} I tried to avoid missing the payment so I set up automatic payment online at the end of XXXX or early XXXX ( definitely before the due date of XX/XX/2019, but I have no email confirmation though ). And then I received a payment alert on XX/XX/2019 : Minimum payment : {$79.00} Account : Bank of America Cash Rewards World Maste ending in - XXXX Due on : XX/XX/2019 As a new customer, I thought the automatic payment will take care of the payment. So I did not manually pay anything. However, on XX/XX/2019, I received my new ebill and noticed there was a late fee incurred. On the same day XX/XX/2019, I also got an alert email saying " the following payment has been scheduled : Pay To Account : BANK OF AMERICA - PERSONAL CARD Account Number : ************XXXX Payment Amount : {$180.00} Payment Date : XX/XX/2019 Confirmation Number : XXXX Pay From Account : ********XXXX Account Description : XXXX '' I then realized my automatic payment did NOT work for the month I setup. I had then tried several times to call the customer service for this issue. The longest waiting time is about 30min without no one answering the phone. Until today ( XX/XX/2019 ) I got some one who can discussed with me about this issue. She confirmed my guess that the automatic payment setting only works for the NEXT billing cycle, even though I have set up it before the due date of the current bill. I accepted there may be technical difficulties for BOA to make the automatic payment setting work the same month. But it should notify customer, at least in a confirmation email about the automatic setting. Sadly, I did not receive any confirmation/notification from BOA after I had set up my AUTOMATIC payment. Ironically, BOA did sent out a payment alert on XX/XX/XXXX, in which again nothing was about that the AUTOMATIC setting wouldn't work. So customer as I was mislead by this nontransparent communication. I then talked to their manager. BOA insisted that according to heir protocol, there was no payment for that month, so my late fee should be collected, given all the fact I presented above. In all, the BOA automatic payment does NOT work for the current bill. And during the process, BOA 's communication is not transparent and misleading. The result late fee is unfair! And I believe it is not only my single case. I hope CFPB can look into this issue and protect customers from this wrongly issued late fee.
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

2019-10-26

Las Vegas, NV

Incorrect information on your report

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

Public record information inaccurate
Complaint: Date Reported- XX/XX/16 Amount- {$1200.00} Reported For- Suspected Fraud Activity I was never informed/aware of this activity from Bank of America 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

2019-10-26

Bayway, NJ

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: Hello, This company sent TWO letters to an address NOT associated with ME! Has never been associated with ME! They sent two letters to XXXX XXXX XXXX, XXXX NJ. That address has never been on file with Bank of America ( the credit card owed ). The person residing at that address now knows personal business of mine. This is unfair and a violation of the Fair Debt Collection Practices ACT. I am entitled to {$1000.00} per violation so {$2000.00} in this case ( 2 letters ) I will contact my attorney ( XXXX XXXX ) in case that this is not resolved correctly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-26

Nashville, TN

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-26

NC

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I was communicated from bank of America thru the cfpb that bank of America submitted their responses since XXXX 2019 directly to the consumer. I received 1 response which included someone else 's info along with mine XXXX 2019. I have not received the other approx 8 responses as stated by bank of America. I have tried numerous times to reach bank of America via Online boa email feedback sessions sent and via phone XXXX regulatory XXXX XXXX and others. Attached phone call recording of XX/XX/2019 where boa auto system XXXX would not recognize my entering of reps extensions to communicate with boa.. I will report boas responses to my address if XXXX XXXX Asi ntercepted in my us mail Please bank of America resend your responses again certified. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-26

Lewisville, TX

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/2019 deposited a check from my wifes XXXX account for {$4500.00} into our personal checking account at Bank of America. The bank had place a hold on the funds until XX/XX/XXXX claiming that it would take that long to verify the funds. In my conversation with Bank of America over the phone and in their Branch at XXXX XXXX XXXX, XXXX TX they stated they would not release the funds until XX/XX/XXXX as they could not verify they were available and that they had received some type of notification from XXXX that there may be an issue. We reached out to XXXX and the Branch my wife uses on Friday the XX/XX/XXXX and he assured us that no issue or alert was sent from them to Bank of America and that he XXXX XXXX the Branch manager would be happy to talk to any B of A employee and personally confirm the funds were available and there was no risk with the deposit. We had inquired about doing a stop payment so we could just get cash and deposit that but were told that B of A already had the funds and that option was not available. This issue will cause considerable strife as it will make us late on certain bills. We also called BofAs on Saturday and were given the same timeline regardless of what XXXX says or does. I ( XXXX XXXX XXXX mentioned that there hold seem to violate federal law but they were clear they would not be moved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-26

Nyc, NY

Problem when making payments

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

Problem during payment process
Complaint: I enrolled in autopay on my account and selected " amount due, '' assuming this would lead to full payment of my statement balance. The option directly below " amount due '' is " minimum amount due, '' which implies the minimum payment required not to encounter a late fee. Unlike XXXX or XXXX, Bank of America has both " Amount Due '' and " Account Balance '' in their drop down, and it's unclear what the difference between the two is. Further, they list " Amount Due '' as the first option, followed by " Minimum Amount Due '' and " Account Balance. '' When I told the rep that this is confusing for customers, she agreed and mentioned that many others call in with my same confusion. Nonetheless, she was only able to waive one out of two interest charges added to my account. BofA should take a lesson from XXXX and XXXX and simplify their autopay dropdox. When a consumer sees " amount due '' and " minimum amount due '' back to back, the latter suggests minimum payment required not to pay a late fee, whereas the former implies FULL payment. It's not intuitive that a user would need to select the THIRD option on the list ( " Account Balance '' ) to pay off their statement, when " Amount Due '' has the same connotation. This is entirely deceptive.
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

2019-10-26

Houston, TX

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 monetary relief

Timely Response

2019-10-26

Charlotte, NC

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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, 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

Timely Response

2019-10-25

Hermosa Beach, CA

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

2019-10-25

Rockbridge, OH

Struggling to pay 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

Timely Response

2019-10-25

San Gabriel, CA

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: Communication has been made with Bank Of America. Consumer StatemenXXXX Report also was approved. Written to the liking of all 3 credit bureaus. Discrepancy in their systems has not been corrected. Inaccurate balances on portfolios.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-25

Soquel, CA

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
Complaint: On my Bank of America Cash Rewards credit card, I noticed two fraudulent charges on my statement. I noticed the first charge on XX/XX/2019 and reported it to Bank of America and thought that was all. But upon further inspection of my bill, I realized there was another fraudulent charge made in the amount of {$350.00} which is not a small amount. I have received a letter from the bank stating that I have won this dispute and that the money would be credited to me. It has been 20 days and there is no sign of the money that I have been promised. This is not a small amount so it is dragging my available credit down. I have called the bank multiple times and spoken to multiple specialists who have told me that they will put in reports and escalate it to no avail. I have had nothing but positive experiences with this banks fraud services except for this one. It has been 20 days and there is no sign of my money. The letter was dated XX/XX/XXXX.
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