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 45
2019-10-15
Clayton, MO
Incorrect information on your report
Mortgage: Conventional home mortgage
Complaint: In XX/XX/XXXX, I filed a Chapter XXXX Bankruptcy for credit card debt relief which was discharged in XX/XX/XXXX. At the time of filing I had a Visa credit card, first mortgage and second mortgage with Bank of America. I qualified to keep my home and continue paying off the mortgage, so the only account listed on the bankruptcy was the Visa. Shortly after the discharge, my second mortgage was sold and BOA no longer services that loan. However, I regularly check my credit report and saw that BOA was no longer reporting payment made toward my first mortgage to the credit bureaus, and my credit report shows both accounts as closed. I filed a dispute with XXXX XXXX about the first mortgage, but I was unsuccessful. I then contacted BOA by phone and was told I would need to submit a dispute in writing which I did some time in XX/XX/XXXX. I just received a notice from BOA dated XX/XX/XXXX. It states : " We received your inquiry to adjust information previously reported to the consumer reporting agency for the above referenced account. We've completed our investigation and have confirmed : This account is being reported as a discharged bankruptcy ''. This information is 100 % wrong, it was NOT listed on the bankruptcy and I have never missed a payment toward this mortgage OR my second mortgage. At this point I feel helpless, all I want is for them to report the payments I've been making so I can rebuild my credit. Why is this so difficult?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Grosse Ile, MI
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Complaint: Today I received a package in the mail. Someone had ordered merchandise from XXXX and shipped it to my name/address. When I when to XXXX to track the order with the order number I found that the order was placed with a VISA card in my name. The last four digits of the VISA card are not any of my personal cards, but someone used my name/address/my mom 's cellphone number as the contact information to open a VISA card.
I called both of the banks that I use, and I called CFPB. They recommended that I look at my credit report, freeze my credit reports, file a complaint against VISA, and file a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
MA
Problem when making payments
Payday loan, title loan, or personal loan: Personal line of credit
Complaint: I am a customer of 25-year standing with Bank of America. I ended up with Bank of America after several bank acquisitions. My wife and I have Checking / Savings / Line of Credit / Home Equity Line and 2 Credit cards with the bank. We typically have more than {$50000.00} balance in our Checking and Savings accounts and are classified as Platinum Status members.
The Line of Credit is a safety to prevent an embarrassing bounced check. I don't remember the last time this facility was availed of until this complaint. On XX/XX/2019, there was a shortfall of {$200.00} in the Checking account ( the Savings account had a balance of more than {$60000.00} ) that was covered from the Line of Credit. Noticing that, we transferred {$10000.00} from Savings to Checking accounts the next day ( XX/XX/XXXX ).
We thought the matter settled and assumed that the {$200.00} was automatically restored to the Line of Credit from the Checking account just as was the drawing from the LoC to cover the Checking shortfall. We received no email, text or visual warning on the BoA app against the Line of Credit that something was due. Apparently, the ( paperless ) monthly statements that one could get to after several page clicks, gives this information. We greatly value our credit record and assiduously and frequently check the mobile app to see if there are any flags but as the Savings and Checking accounts always showed healthy balances, we thought we were fine.
Incidentally, the home page of BoA after signing in shows a summary of all the accounts. The Credit Card always shows a " Red Alarm Bell icon with Payment due '' notification even if it is not due for several weeks. No such warnings were displayed against the Line of Credit ( see attached picture ).
There are always sales pushes for other financial products from BoA or their affiliate, Merril Lynch by mail and in-person when we happened to be at the local bank office. In fact, my wife and I have visited the local BoA branch several times in XX/XX/XXXX. At one such encounter with the bank staff when applying for a new credit card, a lengthy face-to-face session lasting an hour when our accounts and credit histories were combed over, there was not a word, comment or caution on the LoC withdrawal or payment. I was approved right there for the credit card but there was no warning that I owed BoA anything.
The first and only warning of a problem came when we opened a BoA letter in XX/XX/XXXX ( dated XX/XX/XXXX but probably received a week later ). On calling the number, I found that I was talking to a debt collector and not a regular bank employee. I hurried to the local bank ( XX/XX/2019 ) and was told that I needed to pay the LoC, the amount now due with interest of {$210.00} and that I had already been reported to the credit agencies as delinquent. My FICO score has dropped from XXXX ( Excellent ) to XXXX.
I have talked in person ( XXXX XXXX, BoA XXXX Branch -- XX/XX/XXXX ) and on the phone several times ( XXXX / HELOC -- XX/XX/XXXX. XXXX / HELOC said that a Supervisor will call me but no one did ) with BoA 's Line of Credit department. I have never been transferred despite several requests, to anyone higher up in BoA 's management to explain the situation. I called again on XX/XX/XXXX and talked to XXXX / HELOC. She said that a letter was prepared on XX/XX/XXXX to send it to me. I got that letter only on XX/XX/XXXX and stated that their review and actions were blameless. Speaking to XXXX / BoA XXXX, FL, she would not transfer me to anyone higher but said she will ask for a review and reversal. But there have been no further communications from BoA.
Simple attention and communications ( in any one of several ways -- alerting in person, letter, phone call, email, text, red flag on the app, etc. ) to serve a long-standing customer would have averted this problem and my continuing anguish. But BoA hides behind its bureaucracy and requires its clients to be familiar with its fine print.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Fremont, CA
Trouble during payment process
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
2019-10-15
Morgan Hill, 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
2019-10-15
Brooklyn, NY
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Can't stop withdrawals from your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Atl, GA
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
2019-10-15
Key Biscayne, FL
Struggling to pay mortgage
Mortgage: Conventional home mortgage
Complaint: On XX/XX/XXXX I sent a response e-mail to XXXX ( Teller ID XXXX ) from XXXX XXXX XXXX. ( see attached documents for the e-mail and the documents attached to the e-mail. ) In this e-mail I advised XXXX that I was in receipt of her letter dated XX/XX/XXXX regarding the available options to me for mortgage relief.
I informed XXXX that I wanted XXXX XXXX XXXX to be aware that my mortgage which is under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) was part of a settlement agreement with the Department of Justice. With this said, said settlement agreement stated that Bank of America must provide relief to consumers. Some of that relief would be in the form of principal reduction and loan modification that would result in numerous homeowners no longer being underwater on their mortgages and finally having substantial equity in their homes.
While I was in negotiations with XXXX XXXX XXXX they only thing they offered me was to modify my loan with a lower interest rate and putting all past dues amount, fees, etc. and the principal amount to the end of the loan as a balloon payment. Also, the terms of my loan where not extended they remained with the same end date as the original loan.
Bank of America/XXXX XXXX / XXXX XXXX XXXX have not complied with the Department of Justices Settlement Agreement of XX/XX/XXXX nor have they complied with responding to my first letter to them regarding the consumer relief that is owed to me under the said settlement agreement. They have violated their agreement with the Department of Justice and have failed to provide me with all the allowed relief for my mortgage loan.
I request that they provide me with answers and with the consumer relief that is due to me under their agreement with the Department of Justice Settlement Agreement of XX/XX/XXXX. The relief is not only a lower interest rate, a loan modification but also principal reduction, forbearance or forgiveness of first lien. Please see in the attached document Page # 5 Consumer Relief for further information on the consumer relief that is to be provided to homeowners.
Also be aware that XXXX XXXX XXXX as the Servicer has to this date never provided me an answer to my original letter to them regarding this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Herndon, VA
Unexpected or other fees
Money transfer, virtual currency, or money service: Check cashing service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Flushing, NY
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-10-15
NC
Fraud or scam
Money transfer, virtual currency, or money service: Mobile or digital wallet
Complaint: I obtained finally from XXXX XXXX XXXX claims XXXX Illinois after years of fraud activity and requesting my personal owned solely XXXX XXXX policy in my names insurance policy of 35 years. I am submitting the research of many years of identity theft to bank of America na to assist me in identifying a locating my identity thief of over XXXX to XXXX XXXX dollars of my solely owned life savings settlement monies and other funds acquired thru my XXXX years of life in the USA. At this point there are 3 bank of America bank endorsements in 3 copies of cancelled checks issued to me in my solely owned names or escrow accounts at law firms. Bank Of America they are as follows # 1 check Issued {$2000.00} check Insured XXXX XXXX issued to XXXX XXXX XXXX Bank of America, Na BAL XXXX XXXX XXXX XXXX XX/XX/XXXX With 2 overlapping entries of XXXX XXXX See attached screenshot to correct numbers if needed.
# 2 check Insured XXXX XXXX Issued to XXXX XXXX and XXXX XXXX For {$100.00} BANK OF AMERICA NA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX # 3 check insured XXXX XXXX issued to XXXX XXXX and XXXX XXXX For {$90.00} BANK OF AMERICA CAR XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX THEY ARE ATTACHED to my cfpb continued search to recover from identity theft registered with the FTC and finally confirmed by the OCC this year of XX/XX/XXXX via their XX/XX/XXXX letter after reporting fraud and identity theft ( since XX/XX/XXXX XX/XX/XXXX well documented with all major credit reporting agencies. ) Regarding over 22 fraud requests for credit in my names thru XXXX XXXX XXXX XXXX XXXX NEVADA from XX/XX/XXXX thru XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Struggling to pay mortgage
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
2019-10-15
Arsenal, PA
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Card was charged for something you did not purchase with the card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Oxford, GA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Add-on products and services
Complaint: XX/XX/2019 Hello CFPB Agency and Good Day.
Bank of America retired their online " ShopSafe '' " virtual credit card number '' service on XX/XX/2019.
My credit information was confirmed by XXXX to have been leaked in the XXXX data breach.
I use the Bank of America " ShopSafe '' " virtual credit card number '' service to ADD A LAYER OF SECURITY when using my credit card online by choosing to expose ONLY a user-specified amount of my full credit limit combined with limiting those funds to be available for ONLY a user-specified period of time.
Removing a consumer 's ability to voluntarily ADD A LAYER OF SECURITY when using their credit card online seems to run against common sense when we are already acutely aware of the growing number and magnitude of data breach and identity fraud events.
In some ways, providing consumers with the ability to ADD A LAYER OF SECURITY when using their credit cards online kind of resembles " two-factor authentication via email ''. It's SIMPLE.
" ShopSafe '' is not an elaborate system, but enables online credit card users to add a measure of credit card restrictions and limitations by shielding the credit card number, by limiting the transaction dollar amount and by limiting the time period that dollar amount is valid.
I can find no equivalent program for using my credit card online that provides these same customer voluntarily-selected credit card restrictions and limitations features.
I hope that within the CFPB agency there are those who are aware of how to provide the consumer with voluntary methods to ADD A LAYER OF SECURITY when using credit cards online as well as HOW TO PRESERVE the customer 's ability to do this.
The seemingly arbitrary termination of this credit card security enhancement program ( in use for over 20 years by Bank of America ) does not seem justifiable, especially from the very bank that offers the ShopSafe program ( BofA ) on the credit card that they ( BofA ) issue.
This takes on increased urgency especially with awareness of increasing number of data breaches and Identity fraud.
Please tell me if you are aware of methods, programs or services I may use to ADD A LAYER OF SECURITY when using my credit card online.
Thank You for your consideration and for your help.
Respectfully Yours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Chapman, TX
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 monetary relief
2019-10-15
Bellamy, VA
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 monetary relief
2019-10-15
Bakerview, WA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Blakeslee, PA
Trouble during payment process
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
2019-10-15
Grand Prairie, TX
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-15
Downey, CA
Opening an account
Checking or savings account: Checking account
Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-10-15
Spring Hill, FL
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2019-10-15
Gr, MI
Closing on a 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
2019-10-15
Canyon Cntry, 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
2019-10-15
East Milton, MA
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 explanation
2019-10-15
Savannah, GA
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