BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-22

Upland, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

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

Disputed: No Timely Response

2016-12-22

Delray Beach, FL

Other

Credit card:

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

Disputed: No Timely Response

2016-12-22

Alexandria, VA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2016-12-22

Glendale, AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2016-12-22

Alpharetta, GA

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2016-12-22

Brooklyn, NY

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2016-12-22

Billing disputes

Credit card:

Complaint: In short, I believe XXXX ( or more ) " XXXX Credit Card Accounts, '' issued from BOA years ago, have been destroying my credit rating XXXX. XXXX XXXX XXXX - XXXX AZ XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *both XXXX & XXXX were mailed to old/incorrect address, were supposed to have been cancelled and new cards were issued that we used. they incurred annual fees automatically but were never paid resulting in late fees/charges/ XXXX. Personal XXXX ( XXXX ). See below for full reference. Was active paid off in full. cut up card. went into defa I had/have a number of different credit card accounts with Bank of America ( background : was doing property renovations in XXXX real-estate market - " fixing and & flipping SF homes '' ). Although we had XXXX very successful, small apartment repositions XXXX XXXX XXXX XXXX XXXX XXXX we also purchased over XXXX single-family homes near the end of a bull market. In any case, we had about XXXX different project co 's with bank account & credit cards - that was personally guaranteed by ( SSN *********** ). In any case, given poor timing/market cycle the house-flipping biz did not end well in XXXX and I got stuck with credit card debt. I 've always had great credit, as I 've been banking personally with XXXX XXXX since XXXX. My credit score was always over XXXX and I wanted to keep it up - so I kept paying down the biz debt each and every month with payments at/ & gt ; minimum. Recently, I found out to my horror and shock that my credit score had dropped to ~ XXXX. Note : I was not actively using any of these corporate cards, given the XXXX partners had dissolved the partnerships. The BOA letter re cc account XXXX ( below ) relates to the above letter and I called BOA to find out why they cancelled this account. I was totally shocked, given I had been making all these corporate debt payments each and every month ( I kept track of these in a detailed spreadsheet ). What I learned was that a PERSONAL XXXX XXXX XXXX XXXX credit card account - that of XXXX BOA XXXX account ending in ( address : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ) had gone into default due to lack of payment. I found this outrageous, as I had completely paid that card off to zero balance and then cut up that personal credit card. I was told that it had an annual fee that was automatically charged to the account. I understood that, but I had NOT received any email or phone calls or mailed correspondence alerting me to a positive balance, late payment of alert of pending cancellation/default. Due to that ( unjust? ) event, BOA realized there was a XXXX card - and XXXX XXXX XXXX XXXX XXXX XXXX corporate credit card ( personally guaranteed by me ) and arbitrarily cancelled it - without any phone/mail notice to try to resolve the issue. I confirmed that they had the correct address at the time and phone numbers. ( Possibly related? - I have received calls from this number XXXX last couple of days, which, to me, seems like " telemarketer '' # *but they they NEVER LEAVE A MESSAGE!? *. Today, I decided to call them back and learned it was Bank of America cc division. ) For reference : The corporate entities and respective credit card accounts with Bank of America. - XXXX XXXX XXXX XXXX XXXX Co. - BOA XXXX XXXX CC Account : XXXX XXXX XXXX XXXX ( actual cc # : XXXX XXXX XXXX XXXX Exp XXXX ) - XXXX, XXXX XXXX XXXX XXXX ) - BOA XXXX Credit Card Account : XXXX XXXX XXXX XXXX ( actual cc # : XXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX 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

Disputed: Yes Timely Response

2016-12-22

Columbia, WA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

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

Disputed: No Timely Response

2016-12-22

Atl, GA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: When I opened my ck'g accts at Bank of America , I was assured I would not be charged acct maintenance fees for the 2nd acct ... However, I am being charged $ XXXXmonth for an acct that actually protects BOA interests ... I use this acct as a " pocket money '' vs carrying cash. If my card gets skimmed, I keep only a few {$100.00} in it to be drained and disputed ... However this also protects me, also.. As the dispute process is very egregious and flawed where BOA does not have their customer 's best interests at hand ... I want the $ XXXX/mo fees that began in XXXX to be returned .... This brings me to my second issue.. On XXXX occasions I have disputed card transactions with BOA and instead of being my advocate, they either side with a corrupt merchant or place my resolutions out of grasp.. I want the disputed amounts refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: Yes Timely Response

2016-12-22

Albion, NY

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2016-12-22

San Clemente, CA

Fraud or scam

Money transfers: Domestic (US) money transfer

Complaint: Dear XXXX, I found out in XXXX ; through family XXXX in XXXX, XXXX ; that a file was in superior crt files, not XXXX county files ; # XXXX ; a deposit of surplus funds ; this was not a pay off as a mediator & judge XXXX, XXXX stated ; the lawyer was different ; not XXXX on the 2nd mrtg pyoff ; this should have been done via escrow as most are. They lied as a bad play ; mediator helped ; I believe based on my XXXX abilities that in fact ; that they wanted me to sue, knowing I may not get a lawyer ; I knew it was for $ XXXX ; and that XXXX XXXX and very possibly an impersonator for me ; signed and stole about $ XXXX ; and the judge retired, & the rest was stolen ; all while I was in jail and was not brought to jail for this court date! Fraud! The money was illegally Wire transferred I believe ; and never made it to my books, and or in my name ; nor bank/brokerage account ; it made it into XXXX. jail bank accounts, then was stolen. I made this via family services, I called, license suspension for child spprt, daughter passed in ex spouses custody. So I want an investigation ; as I know that some persons were paid off to move this money at that point ; I am owed the full amount ; and the city of XXXX, jail, and bank of America are liable ; $ XXXX, 20 %, compounded daily since XXXX is {$700.00} XXXX dollars. the money did arrive, and it was stolen ... Please review this and make plans to XXXX my check as soon as possible to my address XXXX XXXX XXXX, XXXX ca XXXX thank you, and XXXX XXXXXXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-22

Murray, UT

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I apply for a loan modification with Bank of America on XXXX/XXXX/2016 and on XXXX/XXXX/2016 they send me a letter that I do n't qualify because they are unable to verify ownership or occupancy of the property and also unable to verify identity. on XXXX/XXXX/2016 I send an appeal because I live on the property and I do not understand why they sad that cant verify identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-22

Cheverly, MD

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I have set up through Bank of America an automatic bill pay toward my student loans. In XXXX 2016 I had refinanced my student loans and my payments were deferred for the month XXXX 2016 and XXXX 2016. I thought I had cancelled the automatic bill pay for XXXX and XXXX 2016. The payment for XXXX did not process. However, the XXXX payment did process. I contacted Bank of America on XXXX XXXX when I saw the payment for {$400.00} processing. I was told that there is nothing that they could do until the payment posted to my account. I called Bank of America on XXXX XXXX when the payment posted to my account and I was told that there was nothing that they could do to reverse the payment since it was done through bill pay. They told me to contact the vendor who received the payment. The vendor initially told me that it will XXXXXXXX business days for a decision regarding my refund request. I contacted the vendor again and was later told it will take XXXXXXXX days for them to reverse the payment and that I should process the refund request through my bank since it was a ACH payment and they can refund the money back to me faster. My bank keeps telling me that it was not a ACH payment and that they can not reverse the payment even though I am disputing the payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-12-22

Beltsville, MD

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: Went to local ATM with teller assist in XXXX, MD to cash check and deposit cash on XXXX/XXXX/2016. ATM with Teller assist not working. Due to long lines could not wait had to go to work XXXX XXXX XXXX. Got OD charges because deposit not made by certain time on XXXX/XXXX/2016. XXXX OD charges {$35.00} each. Requested refund due to ATM with Teller assist not working. Customer service Rep XXXX on XXXX/XXXX/2016 at XXXX advised : 1 ) Why did I not deposit previous day ( because payday was XXXX ) 2 ) Why not use mobile App to make deposit ( because I ca n't cash check with mobile app AND I do n't have mobile app ) 3 ) Several other ATM 's within driving distance ( Went to ATM close to home and job and within my available time ) This customer service representative was argumentative and confrontational in their words and position taken with a polite voice. This customer service rep represented the Bank as if the Bank 's broken ATM/Teller Assist functionality is not the Bank 's problem, is not the bank 's responsibility and will not address any problems caused to the consumer as a result of such broken equipment. I disagree. This Bank a XXXX dollar Bank, should take responsibility for broken equipment and should reverse fees caused if they resulted from a consumer 's good faith attempt to use the bank 's services that they expected to be there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-12-22

Huntsville, AL

Other

Credit card:

Complaint: This is a follow-on to the response that Bank of America had sent on Case number : XXXX. I have personal reviewed all the documents they have sent and even called some of the companies that were on the statements. However most do not respond especially the shady ones like XXXX and XXXX where I have seen alot of the transaction come from. Also there were foreign transaction fees in which makes things more confusing because I have not left the country in the specified time period that they had specified in the case. It also concern me that they say I had two account numbers XXXX and XXXX and no signed document to show that this account was opened or verifying the agreement of debt. This is their words verbatim from the letter : " XXXX, we regret that we are unable to comply with your request to produce a copy of an original signed application for the account. The application is over five years old and is no longer available. Nevertheless, according to the enclosed Credit Card Agreement, you are obligated to fulfill the terms of the agreement after the account is closed. As of the date of this letter, the amount owed to Bank of America for the credit card ending in XXXX is {$9100.00}. '' The Fair Debt Collection Protection Act actually requires the original signed form of indebtness it in light of the things that happen in the mortgage crisis that led to the Real Estate market crash of 2008.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-22

Macon, GA

Account opening, closing, or management

Bank account or service: Checking account

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

Disputed: No Timely Response

2016-12-22

CT

Loan modification,collection,foreclosure

Mortgage: Home equity loan or line of credit

Complaint: This complaint concerns an in house modification on my second lien ( heloc ). BOA has offered me a trial period plan. However, the documentation they have sent is not transparent, and upon repeated questioning of " customer relations managers '', I have learned information that is troubling and is not specifically disclosed in the documents I was sent. The trial period documentation states that : 1. " You must cancel your existing PayPlan agreement ... If you do not cancel your existing Payplan agreement, your payments will continue to draw at the original contractual amount. '' 2. " the first step in the process is to make the first trial payment by XX/XX/XXXX ... ..this ensures that your trial period payment will be made on time each month '' 3. Under frequently asked questions : " you need to make only the trial period payment during the three month trial period. The difference between the amount of the trial payment and your normal payment will be included in the unpaid principal balance in the final mod agreement '' 4. " your credit score can be affected by entering into a trial period plan or accepting a permanent modification. for more information on your credit score, visit XXXX " ( not valid url ) 5. " Until you receive your final Modification Agreement, you should continue making your monthly home equity payments in the amount of your trial period payments. '' During several calls to inquire about how they were treating my trial payments, and what they would report to the credit agencies, I was told conflicting things. I reached out to the Office of the President, only to be transferred to my " customer relationship manager '' who they say is my one point of contact yet has only spoken to me once before. Ultimately, I have been told by my customer relationship manager that if I make my contractual payments, I will not be given the modification. If I make my trial period payments, I will be reported to the credit reporting bureaus as 30 days, 60 days, 90 days late. XXXX first stated that it would be corrected. I asked if the days late would be removed, and he indicated they would not but that it would be marked paid. If BOA takes longer to process the permanent modification, there may be a 120 day late on my credit reports. I asked who I could speak with, and was told no one could assist. I have not made ANY late payments on this account. BOA will not allow the contractual payment or will cease the trial period plan. Since I will be paying the trial period payments on time and for the stated amounts, I should not be marked late. Further, this should at least be corrected when they convert it to a final modification, by removing the " lates. '' Since I have an excellent credit score currently, this is going to cause significant damage in the tune of probably XXXX points by the time the mod takes effect. Further, there is no guarantee that I get a permanent mod after 3 months, it could be 4 in which I will be 120 days " late. '' This is going to enrage my ex-husband who is also on the note, when he too is marked late. It makes no sense to put people who need help in a worse situation with respect to their other credit needs, and costs. BOA is choosing to do this, they are not required to do this. Should n't this be marked as paid as agreed in a trial period even though it is less than the contractual amount? BOA is not allowing me to make the contractual payment. Since the difference is about {$300.00} per month, I would be better off being allowed to make the contractual payment these three/four months by borrowing on my credit card so credit is n't damaged. But, they will not allow me to do this and still get a permanent modification, and I can not afford the contractual payment on an ongoing basis. BOA WANTS to report the payments late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-22

Tampa, FL

Credit decision / Underwriting

Mortgage: Home equity loan or line of credit

Complaint: I have a Home Equity Loan Account that has been Reported as Charged off, but the Bank has filed a Certificate of Satisfaction with the Deeds of Record in response to a law suit filed XX/XX/XXXX, I had XXXX before the Complaint was heard and had n't been made aware of the Document filed until it was brought to my attention during or after an Adjudication of my Security Clearance with DoD while I was XXXX in XXXX in XXXX. This has been reported adversely since XX/XX/XXXX and the balance was paid since XX/XX/XXXX, I was sent a Waiver for this XXXX account on XX/XX/XXXX, but it was sent the property address in XXXX North Carolina, and I never received it. I am not going to sign any waiver for this XXXX account, because I have been trying to get the SCRA Violations resolved for almost 10 years now, so I do n't know why Bank of America has suddenly decided to send me this waiver for a Settlement with the DOJ on XX/XX/XXXX. I was n't able to proceed in the Court case, because on XX/XX/XXXX I was issued Mobilization Orders to XXXX to XXXX and was n't apart of any of the DOJ cases for SCRA, but have been dealing with the backlash ever since. I have had to document every account filed adversely for the past 10 years as part of the Adjudication for my ability to maintain my Security Clearance, but now the issue is why I have n't been apart of the DOJ Settlements involving my accounts ... I had n't contacting the DOJ and they have n't been in contact with me, until recently ... but I simply want the adverse information removed permanently and a written response from Bank of America stating that it has been removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-22

Medina, NY

Other

Credit card:

Complaint: Bank of America took {$4700.00} out of my personal checking account today without my authorization. I called to get information as well as get my money back, they told me it was for an unpaid business credit card I opened in 2014. I told them I never opened a business or personal credit card with them and to put the money back into my account and conduct an investigation. They told me they will conduct an investigation in XXXX to 90 days and will not give me my money back until the investigation is complete. I feel helpless and I do n't know what to do. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-22

Galena, OH

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: XXXX/XXXX/2016 Bank of America credit card statement. As soon as monthly statement cut on XXXX/XXXX/2016, I electronically scheduled to pay the minimum payment as presented on statement. I did not know what the minimum payment would be until after the statement cut on XXXX/XXXX/2016. Bank of America applied this XXXX/XXXX/2016 payment ( posted XXXX/XXXX/2016 ) to the XXXX/XXXX/2016 statement even though they previously applied a XXXX/XXXX/2016 minimum payment to this statement and after the XXXX/XXXX/2016 statement was cut. Why would BofA apply a second minimum payment to a statement that had already been cut? Why tell me what the minimum payment is for next minimum due before they are ready to apply payment to appropriate statement??????? My conclusion - CEOs & CFOs lay awake at night scheming to rip off customers next day. This is a prime example. Even though they did credit late fee charge, now my new minimum payment due is {$45.00} " past due payment '' plus current {$44.00} for new payment due of {$89.00}. I have asked for a corrected statement to no avail, even though XXXX customer service reps including a supervisor told me one would be sent. Preposterous. And banks do not understand " lack of trust '' in financial institutions. I feel like the bank has committed fraud against me even though I had to talk to their fraud department to get the " late fee charge '' reversed. How can it be that BofA can tell me what the minimum payment is before BofA can apply an online payment for that minimum payment due?????????????????????????????????
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-12-22

Scottsdale, AZ

Other fee

Credit card:

Complaint: Bank of America XXXX was closed out by Bank of America. XXXX has charged a {$75.00} annual fee the month prior to deciding to close out my account. I have requested that BAC reverse off the annual fee which they are refusing to do so. I have talked to XXXX area on this account and reversing off the annual fee. I 'm being told that they will not reverse off the annual fee nor provide the agreed upon benefits for the card since they closed out the account and it has a balance on it. Bank of America is assessing me an annual fee that would provide benefit of new mileage points, discounted companion fee and free checked bags on XXXX. Since this account is close none of those benefits are provided. I requested that they product change to a no fee card. Once again this was refused. I have to question the legality and ethical behavior behind charging an annual fee on a card and not providing the benefits associated with that card. The last contact I had from a supervisor XXXX XXXX XXXX is that they have a contractual agreement with XXXX to charge the fee even when the account is closed. All my requests to have this escalated up to a XXXX level at Bank of America have also been stonewalled by representatives. It would appear that the institution is doing their best to not have the customer talk to individuals who can actually make an informed decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Disputed: No Timely Response

2016-12-22

Billerica, MA

Using a debit or ATM card

Bank account or service: Checking account

Complaint: In XXXX I was vacationing in XXXX XXXX XXXX XXXX. I experience identity theft and my account was charged almost {$600.00} I filed my fraud claim with Bank of America and they came back and said because I had made purchases the same day the fraud had occurred with the same merchant the frauduelent vendor had also used that they are unable to determine if any fraud has occurred. This is why we sign receipts, the bank is not doing their due diligence and im out {$600.00}. Because every vendor in XXXX uses the same merchant that should n't be my problem. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-12-21

Anaheim, CA

Delinquent account

Credit card:

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

Disputed: No Timely Response

2016-12-21

Atl, GA

Identity theft / Fraud / Embezzlement

Credit card:

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

Disputed: No Timely Response

2016-12-21

Fayetteville, NC

Rewards

Credit card:

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

Disputed: No Timely Response