BANK OF AMERICA, NATIONAL ASSOCIATION

2019-10-22

Queen City, MO

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: In progress

Timely Response

2019-10-22

Fort Mill, SC

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Main Office, VA

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Managing an account

Checking or savings account: Savings account

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

Timely Response

2019-10-22

GA

Closing on a mortgage

Mortgage: Other type of mortgage

Complaint: In XXXX I bought a home in the same year Bank of America closed on my home but someone other than myself were put on closing documents. The title to home is in my name only. I have been in a legal battle ever since. A judge has ruled that I own home. But Bank of America can place a lien on my home. In XXXX I was give an amount to pay and based on that amount I put my home on market to sell. But because Im not on loan documents the company Bank of America assigned to this fraudulent mortgage can not help me and I was forced to pull home off market. I pay all needs associated with my home. I now get notices that reflect an amount that has increased 4 times in over a 3 year period but because Im not on loan documents no one will talk with me to resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Charlotte, NC

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Can't stop withdrawals from your account
Complaint: Complaint Number : XXXX XXXX Ms. XXXX, Our Regulatory Complaints team has received correspondence on your behalf from the Consumer Financial Protection Bureau ( CFPB ). I am your dedicated point of contact until this matter is resolved. Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB. Please contact me by XX/XX/2019, to confirm that information. My days and hours of operation are Monday through Friday from XXXX XXXX. to XXXX XXXX Eastern. I look forward to assisting you. Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX extension XXXX XXXX- XXXX This message, and any attachments, is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at http : //www.bankofamerica.com/emaildisclaimer. If you are not the intended recipient, please delete this message. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX Attachments XXXX XXXX ( 8 minutes ago ) to XXXX Hello XXXX, My account is still being charged for services that I did not receive and use. I do not have access to a telephone, therefore e-mail is the best way to contact me. Yes, I did reach out to the CFPB and I will send this latest email and attachment to them as well. Thank you! -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I can not resolve this issue as I do not have phone access. I tried e-mailing Mr. XXXX but there's a statement saying the inbox is not being monitored. Bank of America charged the {$65.00} back to my account making it go into overdraft again.
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

2019-10-22

Greensboro, NC

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

Timely Response

2019-10-22

Deerfield Beach, FL

Incorrect information on your report

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

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Arroyo Seco, NM

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Complaint: I had fraudulent charges made to my account at the end of XXXX from a perpetrator using my debit card information to make purchases on XXXX. I contacted XXXX, Bank of America ( the company I am filing this complaint against ), and the police to file the necessary claims and reports. Bank of America agreed to permanently refund the account on XX/XX/XXXX. On the morning of XX/XX/XXXX, Bank of America withdrew {$78.00} from my account calling it a temporary credit reversal, despite the fact that those credits were previously said to be permanent.
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

2019-10-22

Bakersfield, CA

Problem with a credit reporting company's investigation into an existing problem

Mortgage: FHA mortgage

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 BANKAMERICA 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

2019-10-22

NH

Closing on a mortgage

Mortgage: FHA mortgage

Complaint: I am in jeopardy of losing a home purchase because of Bank of America. I believe Bank of America is casting a very wide net on mortgages to scoop up as many as possible. I have been misled from the beginning of the process, starting with the loan officer telling me several times he would look into Rural Development loans because that was the kind of loan I was telling him I wanted. It wasn't until after we officially offered on a house ( thus locking ourselves into the bank ) that I was told the loan officer doesn't work with those loans. I found out more than a month later that Bank of America doesn't even deal with Rural Development loans at all, as a company. This was just the beginning. During a conference call the bank team even admitted the bank is having capacity issues. There is a continual lack of returned phone calls, e-mails and responses in general. Many items that were submitted continue to be on lists of outstanding documents more than a month after they were submitted and after the bank has acknowledged receipt. They have an online portal that customers are encouraged to use, yet they don't keep it up to date and it took my co-borrower almost 3 weeks to get access because she wasn't already a BoA customer. We have now missed 3 closing dates with the first being XXXX XXXX ( currently XX/XX/XXXX ). The bank will not offer solid answers and are evasive with everything. They are literally saying they have no idea about a closing date and the seller is now threatening to walk about. We would be out about {$4000.00} - {$5000.00} at this point and have to start over. Plus we are renting the house we are going to move into ... ..so if we don't close we are also homeless. Below is just one sample of an e-mail between my realtor and the bank AVP ( XXXX ) Hi Appraisal is still pending. Commitment has been issued. Please request an extension, We have escalated this appraisal issues, as you know this is a 3rd that does not work for the bank We are waiting on the FHA appraiser. We have no information from the appraiser and we continue to reach out to our vendor management. XXXX please see other comments below. I will request an updated commitment letter from the previous one issued Good Morning, Today is the last day left for the extension that was asked for 2 weeks ago. The only way to get an extension from the seller until XX/XX/XXXX is to give them written proof from the bank that the only items needed for closing are the 12 month leases, which I believe you will receive today, as well as the appraisal. [ XXXX ] commitment letter has been issued. Please provide us the lease agreements. We are still pending the appraisal. There are some items that we as the lender need to complete on our end which is standard on FHA loans and on the commitment letter This needs to be given this morning so that signatures can be put onto the extension. [ XXXX ] commitment letter has been provided to buyers. Lease agreements and appraisal as the outstanding borrower conditions. I know that we have asked for an update on the appraisal many times and we have yet to receive any good information as to when we may have it returned. [ XXXX ] we continue to follow up with our vendor management. This is a 3rd party FHA appraiser that does not work for the bank. We are doing everything that we can on our end. At this point in the process it is completely unacceptable. [ XXXX ] we have escalated this issue We need a firm answer as to when the appraisal will be back and when closing can happen [ XXXX ] as soon as we have more information we will let you know. There has to be someone within the bank that can find out this information. [ XXXX ] we have the information in our system that we use and we continue to follow up with vendor management and have escalated this issue. We have also spoken over the phone and were assured that the documents that are still listed as conditions were received over 11 days ago, which is when we spoke on the phone. Why are they still listed as conditions? At this point the bank needs to get things in order, today, so that this closing can happen. [ XXXX ] commitment letter has been issued to clients. Please make all the phone calls that you need to get this done. [ XXXX ] we do we communicate to our teammates daily and have them reach out to vendor management. From here we need to have full communication. Phone calls returned and emails responded to. [ XXXX ] agreed. XXXX will call you today to review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Harsens Is, MI

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

2019-10-22

Pomona, CA

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 non-monetary relief

Timely Response

2019-10-22

Dupont, WA

Closing your account

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

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

2019-10-22

San Francisco, 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
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

2019-10-22

Sanford, FL

Problem when making payments

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

Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

MN

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: In XXXX of 2019 I submitted a payment of over {$4000.00} to Bank of America. Said payment was misapplied and I was told that the problem would be remedied. It was not or at the very least, not in a timely manner. This caused my account with them to have several late payments and fees as the amount I was paying didnt cover the amount they thought I should be paying. I have had several accounts with Bank of America for over 17 years and until this, had a stellar credit rating, This error has resulted in my credit score dropping by almost 100 points in three months.
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

2019-10-22

Castle Hayne, NC

Closing your account

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

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 non-monetary relief

Timely Response

2019-10-22

Clermont, FL

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: On XX/XX/19 a hard inquiry was placed on my XXXX credit report from Bank of America. This inquiry was not initiated by me nor did I give anyone consent or authorization to apply for any credit.
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

2019-10-22

Chattanooga, TN

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
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

2019-10-22

Tarzana, CA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: I had my car broken into. Wallet and phone was stolen. I was stranded and team of con men went to work. Drained the accounts of all the cards in my wallet. Credit card fraud claim was process and everything was fixed. Debit card fraud claim of {$2600.00} has been denied multiple times and Ive probably spent 25 man hours trying to get it resolved. Bank of America call center and no dedicated support is a complete nightmare. No access to fraud investigation team. Ive reopened new accounts at the same bank and have repeated my story about 50 times after submitting a police report and taking all necessary steps. Not sure why this is such a big deal when all 4 of my accounts ( credit card, savings, debit and business debit from another bank ) at the same bank were fraudulently used with identity theft within 3 hours of each other. Bank of America is not treating a 15 year customer how they should be treated.
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

2019-10-22

Hialeah, FL

Getting a credit card

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

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

Timely Response

2019-10-22

Birmingham, AL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Alpha, NJ

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

2019-10-22

Las Vegas, NV

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

Timely Response