BANK OF AMERICA, NATIONAL ASSOCIATION

2019-09-19

Tucson, AZ

Closing an account

Checking or savings account: Checking account

Funds not received from closed 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

2019-09-18

Lk Buena Vis, FL

Getting a credit card

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

Application denied
Complaint: At the time I applied for a Bank of America Platinum Plus credit card I had a XXXX credit score and was denied for reasons that do not appear on my credit report. I had a bankruptcy several years back which have been discharged and do not appear on my credit report however Bank of America denied me credit based on criteria that is no longer relevant which was discharged and is well past the 10 year period. Is this lawful?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-18

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

Timely Response

2019-09-18

Calumet Park, IL

Managing an account

Checking or savings account: Checking account

Banking errors
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

2019-09-18

Flushing, NY

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 explanation

Timely Response

2019-09-18

Sandy, UT

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

2019-09-18

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

2019-09-18

Simi Valley, CA

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

Timely Response

2019-09-18

Blackbird, DE

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: Bank of America offered a promotion where if you opened a checking account ( new customer, not existing, which I was not at that time, nor was I previously within many years ) with at least a {$25.00} opening deposit and XXXX direct deposits within the first 60 days of at least {$250.00} each, they would credit the account with the {$100.00} bonus within 60 days of meeting that requirement. The bonus should have been deposited within 60 days of meeting the requirements ( opened account with {$25.00} deposit, {$250.00} direct deposits each deposited XX/XX/XXXX and XXXX on each date ) so the account opening bonus should have been deposited by XXXX. As of today, XX/XX/XXXX, it hasn't been. I contacted bank of America on XXXX spent an hour on the phone with them, they said they would investigate and get back to me with in a week. I did not hear back from them either by a voicemail message left, email on my account or email directly to me. I called again on the XXXX and after waiting for XXXX minutes on hold with no contact with a human being, had to end that call due to work. Today XX/XX/XXXX, I called and spoke with a representative who at first could not locate the offer but after searching for about XXXX minutes finally found it. She said notes on my account indicated this had been escalated. I asked to speak to her supervisor, which I was transferred to and spoke with a floor supervisor. I explained the situation and she said escalation could take XXXX days to resolve. This is unacceptable because it is clear I met all the requirements. I have saved the link I applied for the account opening bonus. It still shows that I met all the requirements. I find it unacceptable when I have clearly met all the requirements that it will take them 60 days to " investigate ''. I believe it is false advertising and they are hoping people won't fight to try to get the account opening bonus if they delay long enough. I even asked the floor supervisor if she would be able to remove the {$4.00} monthly charges I've incurred from them as a good will gesture due to all the hours I've spent trying to resolve this which I have not been able to. She was not willing to do that. All she could say was " I can look into it ''. That is unacceptable. I feel I've been more than patient and that if I had not continuously followed up on this, I would not have gotten the {$100.00} advertised account opening bonus ( and still have not as of today ). This is unacceptable for Bank of America to treat me like this and borders on false advertising and misleading and deceptive practices. Please let me know how this will be resolved because Bank of America does not seem to consider this a high priority or be willing to resolve it at all.
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

2019-09-18

Southern Pnes, NC

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

Timely Response

2019-09-18

Collierville, TN

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

2019-09-18

Sanford, FL

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

2019-09-18

Trouble using your card

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

Can't use card to make purchases
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-18

Santa Ysabel, CA

Incorrect information on your report

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

Information belongs to someone else
Complaint: Two credit accounts were opened fraudulently. XXXX XXXX XXXX opened XX/XX/2017. Bank of America installment account opened XX/XX/2017.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-18

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

Timely Response

2019-09-18

San Diego, CA

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

2019-09-18

Arco, CA

Fees or interest

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

Problem with fees
Complaint: In early XX/XX/2019 I was booking airline tickets to visit my dad in a XXXX home in NJ, I live in CA. There was a promotion on the travel website offering an immediate discount on the ticket and waived bag fees if I opened and paid for the ticket with a Bank of America charge card. I followed all directions and when it came for the decision of granting the account, Bank of America could not at the moment. I ended up using a different charge card and received no discount. I received a letter from BOA with a phone number to call. I did so. The call lasted 30 seconds. They just wanted to confirm my address. Ridiculous. They ultimately sent the charge card in the mail. I opened up the envelope and read through the initial tri fold which contained the card. There was no mention of an annual fee. I never called to activate the card. I was not happy with the process. I never used the card. Still attached to paper. Anyway, it has come to my attention that BOA did charge me a {$75.00} annual fee for a card I never activated, used, or received any benefit from. In addition, apparently I have been two months past due on the annual fee I never knew I would incur. My credit score has sunken 81 points. I pay all my bills on time. I called over to BOA today to get this straightened out. I spent 47 minutes on the phone only not to get a decision or assurances that my concerns of credit reporting would be addressed. I looked at the documents that came with a card from XXXX XXXX, prominently and intelligently placed was an explanation of fees, including listing the annual fee ( there was none ). I went through the BOA envelope. This time carefully. On page 7 of the " Agreement '' packet, BOA lists the annual fee in not too shocking, same font as everything else. It is not prominent. The fee is not listed anywhere else in the packet of information accompanying the actual charge card. I feel BOA has purposefully obfuscated pertinent facts. How come XXXX can be upfront in how it presents important information? And yet BOA, which is a massive bank, surely knows the benefit of hiding a deal breaking annual fee. On face it makes the card look better when the fee is hidden. I want BOA to cancel all charges on the account. I want BOA to be responsible for the negative impact on hard worked credit score. I want them to pay me for the aggravation, the higher costs of borrowing due to their erroneous reporting. I want BOA to issue an apology and change their deceptive practices.
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

2019-09-18

Las Vegas, NV

Incorrect information on your report

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

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

Timely Response

2019-09-18

Saint Augustine, 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

2019-09-18

Los Angeles, 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 explanation

Timely Response

2019-09-18

Wallington, NJ

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Complaint: I am being cyber hacked/ attacked on all financial accounts and social media accounts. My checking account is being breached through the financial accounts that have access to withdrawal Automatic Payments. The money in my checking account is going missing and automatic payments are not being posted to accounts. Instead, all accounts are being manipulated with EXTREME fluctuating interest rates that are resulting in ridiculous FEES. I have already reached out to the proper agencies and provide information on who may be causing there problems. My Bank of America checking account balance, according to a notification received today XX/XX/19 is - {$900.00}. Which is incorrect. I have reached out to the bank via telephone on various occasions to report this fraud. Since my last conversation with them, there should only have been 5 insufficient fund fees incurred ( each at a fee of {$35.00} ) which does not result in the account being overdrawn to - {$900.00}, since none of the payments were processed. I have written about my experience on XXXX. I have been unemployed for 17 months and this cyber hacker/stalker is also preventing me from finding employment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-18

Tampa, FL

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Bank of America is foreclosing on my home. I applied for a Mortgage Modification/Loss Mitigation through the Home Affordable Modification Program ( HAMP ) and submitted all of the Modification application to Bank of America on XXXX XXXX. I did not receive anything from Bank of America, I called Bank of America 27 times. I was not given a single point of contact at Bank Of America, and on XX/XX/2019 told by Bank of America that they lost my Mortgage Modification paperwork and that I should contact their law firm XXXX XXXX which I did and was told that they did not have my Mortgage Modification either. Under the Consumer Financial Protection Bureau 's guidelines for Loss Mitigation Procedures and Statutes 1024.41, Bank of America has not exercised diligence and did not put perform reasonable diligence, lost my Mortgage Modification paperwork, and filed the information to a third party which also did not process the Mortgage Modification. Furthermore, I did not receive any written information from Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-17

Anaheim, CA

Managing an account

Checking or savings account: Checking account

Banking errors
Complaint: on XX/XX/2019 I noticed a charge on our checking account in the amount of {$220.00} that was made on XX/XX/XXXX-XX/XX/XXXX [ not sure due to processing ] that was titled " XXXX XXXX XXXX XXXX GA ''. I instantly knew I needed to look further into this charge. Since I obviously am not physically in Georgia, nor have I ever bin there. I contacted the Fraud Department at Bank of America and was advised they will send a new card and to destroy the current one my husband has. We listened to the representative and waited for a response from the Claim Resolution Team regarding the fraud transaction. The bank never contacted us until XX/XX/2019 via US mail letter stated that the transaction in question was authorized and posted correctly to our account and in result we will be charged the funds on XX/XX/2019. Today XX/XX/2019 I contacted the number in the letter to ask what append and if they got more information on the suspects. First representative I spoke to just gave me the same information in the letter and just kept repeating himself. So I asked to speak to a manager since he can't do anything further for us. I spoke to a manager rep in the claims department and was advised no investigation was done since the way the transaction was charged [ via chip using my PIN ] it seamed like it would be impossible it was us and that is their decision. I was advised to contact the police department and there is nothing they can do. I tried to get information of the store that processed the transaction but was advised by the rep they don't have that information nor did they try reaching out to the merchant to obtain that information. I feel as if this bank is not making correct discussions regarding fraud claims. They didn't even try to investigate so they can protect my hard earned money. I feel like my money is unsafe and I think I may close out my account after having it for over 20 years with this bank.
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

2019-09-17

Attempts to collect debt not owed

Debt collection: I do not know

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

Timely Response

2019-09-17

Harsens Is, MI

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