BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-21

Vab, VA

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: Yes Timely Response

2016-12-21

Sarasota, FL

Using a debit or ATM card

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

2016-12-21

Kearns, UT

Loan modification,collection,foreclosure

Mortgage: FHA 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

2016-12-21

Hillsdale, NJ

Deposits and withdrawals

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 explanation

Disputed: Yes Timely Response

2016-12-21

Elyria, OH

Billing disputes

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

Glover, MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed 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

2016-12-21

Alexandria, VA

Money was not available when promised

Money transfers: International money transfer

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

ME

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Addendum to Case number : XXXX. In the documents forwarded to me by XXXX, on XXXX XXXX, XXXX, Bank of America states I received documentation the servicing transfer was mailed to me on or about XXXX XXXX, XXXX. I have attached documentation from the Department of Veterans Affairs, along with a copy of my drivers license, proving my address at the time the notice was allegedly mailed.
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

Phoenix, AZ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I had an account with Bank of America in XXXX in XX/XX/XXXX and then opened another one in XX/XX/XXXX in XXXX and then opened one in XXXX, XXXX in XX/XX/XXXX. WHile a BOA customer in XX/XX/XXXX I filed a complaint with XXXX XXXX and with the Mayor of XXXX, XXXX and he forwarded all my complaints to the XXXX at XXXX XXXX. And put this in a letter to me. After XXXX XXXX XXXX, XXXX, XXXX, in XXXX XXXX, called the XXXX Police on me and sent them out to my apartment. XXXX. I thought I was in trouble just like in the XXXX. XXXX and a lot of credit card debt from XXXX. XXXX contacted me through XXXX and gave me his cell number in XXXX and we got into it. I was not allowed to look during XXXX. I told them 7 years no contact just to say bye-bye during their graduation so I would not have to see them again. I did not know I was being followed. XXXX XXXX ( whose name is something else ) with XXXX transferred to Bank of AMerica on XXXX in XXXX XXXX where my XXXX mom, XXXX and my older brother, XXXX Bank for years. I thought I was having a nightmare and flash backs. and called it in the Bank of American who could not transfer me to any one named, XXXX from XXXX. I let it go and moved to XXXX and then XXXX. There is a privacy issue. I have a XXXX through XXXX case number XXXX against my mom in XXXX, XXXX, XXXX. And I am afraid she will find out where I live again and try to reconnect. I would like to relocate to XXXX in XXXX. I do not ever want to see XXXX or my mother or her family again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: Yes Timely Response

2016-12-21

Lafayette Hl, PA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: XXXX services changed my address for emergency purposes. When BOA asked my insurance company to provide proof of coverage the documents show the new address not the old address. I have provided BOA proof of the new address from my county at least 6 times via mail, fax and email. When I call in every person every rep tells me they see the documentation but do not know why it is not fixed and they do NOT have the ability to get someone on the phone. They keep just sending emails. Since this has occurred BOA has threatened me 2 times with buying homeowners insurance at MY expense because they can not get it correct. I have attached the documentation to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-12-21

Lenoir City, TN

Transaction issue

Credit card:

Complaint: I was talked into setting up an online business by XXXX XXXX XXXX XXXX, and after that I got a charge for XXXX XXXX and I never heard of them. I never authorized any charge by them and I do not have any contracts or emails from them. They charged me {$5500.00} and I believe XXXX were the ones who charged my Bank Of America card {$5500.00} under 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: No Timely Response

2016-12-21

Smyrna, SC

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: My grandmother opened a cc account with Bank of America. I was added as an authorized user. The next day they put a fraud alert on the account. We both went into the bank on XXXX and they advised us that the alert was taken off. XXXX the alert was placed back on the card so again, I had to drag my grandmother back to bank and again they told us it was removed. I call the bank on XXXX and they refuse to speak to us or give any information besides telling us to go into a branch again. The card is needed to help pay for home repairs that have already been started on and now we have no means to pay bc the card access is on hold. I do think it is due to discrimination bc of my grandmothers age even though she has no medical issues and is in her right mind & has answered all questions they have asked.
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

Sierra Madre, CA

APR or interest rate

Credit card:

Complaint: I was charged interest on a card that specifically had 0 % interest. They did n't cancel the fee after countless calls and complaints. I have been with Bank of America for over 7 years and had never been charged interest before -- obviously that did n't mean anything to them. I will not be working with BoA again.
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

Fort Myers, FL

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Disputed: No Timely Response

2016-12-21

Vernon Hill, VA

Other

Credit card:

Complaint: I withdrew authorization for use of a business credit card in XXXX XXXX, 2016. I notified the bank card company and provided proof that authorization had been withdrawn this notification was XXXX XXXX, 2016 the bank ( Bank of America ) has not stopped the company from billing the card in spite of the formal complaint that has been lodged. I have been charged an additional 2 months. I have filed a complaint against the company as well for using the credit card without authorization. I am seeking immediate relief of these charges and the company stop billing me.
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

Lawrenceville, GA

Deposits and withdrawals

Bank account or service: Savings 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

2016-12-21

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Bank of America is circumventing the law by conducting non-judicial foreclosures in the state of California. This home loan mortgage account was first delinquent in XXXX and is now considered an uncollectible debt as a matter of law. Bank of America knew, or should have known, the XXXX XXXX, XXXX Notice of Default ( NOD ) and subsequent XXXX XXXX, XXXX Notice of Trustee Sale ( NTS ) are unlawful and the initiation of a non-judicial foreclosure on a time barred debt is an unfair, abusive, poor and deceptive tactic and practice that should never have occurred. Any delays during the loss mitigation processes, including modification and foreclosure, is solely the doing of Bank of America by the use of park and stall tactics and the like, all designed to prolong and extend loss mitigation processes to direct and funnel borrowers who have requested mortgage assistance into foreclosure or other situations that ultimately result with borrower separation from their homes and mortgaged property. Bank of America has engage their employees, representatives, and third party agents including, by not limited to, XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX, to commence and continue the knowingly wrongful foreclosure of my home. I am in possession, control, and occupy the home and property. If I am forcibly removed from my home and property I will be entitled to mesne profits derived from my property while in wrongful possession, and may be claimed in damages for trespass, either in a separate action or joined with an action for the recovery of the real property. Mesne profits are sums of money, rents or profits, paid or accrued for the occupation of land to a person with right of immediate occupation, where no permission has been given for that occupation during the rightful owner 's exclusion from his land. 26 ) Fair Debt Collection Practices Act ( FDCPA ). 31 ) California Civil Code of Procedure Section XXXX - XXXX. I am not trying to stop Bank of America ; Bank of America has to stop themselves. All previously mentioned resolutions are desired including all statutory, exemplary, and punitive damages plus an addtional ten percent and an immediate reimbursement of all amounts applied to this mortgage account at a quarterly interest rate of ten percent via cashier 's check not drawn on Bank of America or any of their affiates, or on a bank that does not conduct business within the state of California. Not only must Bank of America pay me back, to include mesne profits, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, TARP, MHA, HHF funds since XXXX. Damages are calculated as follows*/** : STATUTORY : Median Property Value ( MPV ), or all amounts ever accessed on or associated with the real property, home loan mortgage account, and personal property of at least {$300000.00} or actual value, whichever is greater. Pets and livestock are an additional {$50000.00} each, plus ; EXEMPLARY : Three times statutory damages, plus ; PUNITIVE : The statutory and exemplary damages for each cause of action listed, plus an additional 10 % of the total monetary damages ( statutory, exemplary, and punitive ). *Death claims are an additional trebling of calculated total damages for each instance. **Seniors and XXXX persons are entitled to any additional damages allowed by law for each eligible household member. I did not default on Bank of America ; Bank of America defaulted on me!
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

2016-12-21

South Florida, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: My Bank of America checking account had been overdrawn for a few days by the time I got to the ATM ( XXXX/XXXX/2016 ) so I knew I had to replenish funds as soon as possible so as to avoid another " overdrawn balance charge ''. On XXXX/XXXX/2016 at the ATM, I selected the option to view my balance. My account did not reflect another overdrawn balance charge ( each XXXX is {$35.00} ) so I assumed incorrectly that I had made the deadline and dodged another charge. My account was brought to a positive standing and that day I had spent money-I ended up checking my bank account by that evening ( XXXX ). It was {$7.00} and some change. I did not use my debit card at all XXXX so I was extremely shocked to hear my fianc inform me that my account was negative again! ( He tried to use my card but it declined ). Bank of America assessed my account what they call an " extended overdrawn balance charge ''. I called their XXXX number XXXX XXXX XXXX XXXX ) and spoke to a representative and when she said she could not do anything, she got a supervisor on the phone. After 10 minutes of waiting on hold, I was speaking to a manager who introduced herself as " XXXX. '' I explained the situation and expressed that I feel it is dishonest and misleading to charge my account an " extended overdrawn balance charge '' when last time I looked at my account activity, it was positive. I told " XXXX '' this extended overdrawn charge should have been reflected to me automatically not a day after I deposit funds. She said " the soonest our bank could have reflected that would have been the next business day ''. I asked her " what time specifically was this extended overdrawn charge applied to my account on XXXX? '' She informed me " there was no way she could tell me that information. '' Not only is their overdraft charge system completely unfair ( does a corporation really NEED {$35.00} each time from each customer? ), Bank of America 's processing system which does n't reflect real-time balances is intentionally set up the way it is so as to continue misleading customers. I am recent XXXX from the University XXXX XXXX XXXX and not currently working. My family of XXXX is being supported by XXXX income. {$35.00} being taken from me by Bank of America makes me feel so infuriated. Real families who work so much they barely have time to see their children grow up are being constantly robbed of their hard-earned money by a banking corporation that creates rules that enables them to take take take.
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

Baldwin Park, CA

Making/receiving payments, sending money

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 monetary relief

Disputed: No Timely Response

2016-12-21

Long Beach, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XX/XX/XXXX I walked into the Bank of America near my home to open an account with a check that I received from the " State of California, Treasury '' for {$5000.00}. The bank indicated that a " Hold '' would be placed on the check and the fund would be available on XX/XX/XXXX. So I agreed to the hold but also explained to the Banker my emergency need for disbursement at that time. She indicated that they could not override the computer but XXXX $ would be available on next business day. Next business day I attempted to pay a bill and the temporary bank card declined. I went directly to the branch, told them I was having difficulty with the card. The Banker look up my information and told me that the account was closed. I called customer server from within the branch and was transfered to " risk management ''. Risk management quoted me " Your account has been closed for reasons that we do n't have to disclose ''. My reply was " Ca n't you verify the check? The check is from an accredable source, it is not fraudulent! The risk management agent indicated that the " Hold '' would not be lifted until XX/XX/XXXX. I explained that the computer generated XX/XX/XXXX as my availability date, why such drastic measures, I will not be able to pay my mortgage by its cutoff and will now have 2 behind payments. My XXXX will be ruined, I have out of town family that depends on me during this season. I then ask to speak with a supervisor, XXXX XXXX. XXXX XXXX recognized my plea, spoke with the assistant branch manager to confirm our arrangements. The arrangement were, " customer will come in branch on XX/XX/XXXX to pick up a cashiers check ''. I left the branch comforted. Mid week I did a follow up call, I spoke with a call center representative " risk management '' to confirm our agreement. The representative confirmed notes WERE in the computer stating, '' customer will p/u cashiers check in branch AT XXXX PER REPRESENTATVE. I hung the phone up and waited for Tuesday XX/XX/XXXX. On XX/XX/XXXX I entered the branch anticipating my day. Today was the day! NOT TODAY. The bank indicated that the account was frozen and fund could not be disbursed. I told the manager to call risk management per their request, to issue funds in a cashiers check at branch location.. Well that was untrue ... risk management lied to me. Lead me on to believe that the check would be available upon clearing. Even tho they treated me like I had committed a crime by shutting my account down, not wanting to disclose why, and not holding up to their part of the deal as noted. They erased the notes in the computer, not recognizing the fact that notes were made prior and confirmed. They also indicated that the fund were in the account on XX/XX/XXXX and I should have withdrew the funds then. Who says that! A courtesy call should have been made if the fund were ready for release. Now they say It will be an additional 7 to 10 Business days for delivery to my home because a cashiers check has been mailed since I did n't come in yesterday. I requested them to place a stop and reissue from the brand as promised. Per the representative, No stop payment can be issued besides that it takes 90 days for a reissued check. I have been pushed and shoved by an entity that does not stand on their word. What is their consequence for not abiding by the rules. AND Making my XXXX most unhappiest of all time!
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

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have been with Bank of America for many years with my Mortgage loan I felt happy and comfortable having my loan with them and being able to pay and easily access my loan information online. I received a letter from bank of america that they have sold transferred my loan to a third party service. I have looked at the third party service company and I am very unhappy with this the new third party company to service my loan is XXXX XXXX XXXX XXXX which has a payment option for paying online I would have to pay XXXX XXXX I total am appalled I have excellent credit and to be transferred to a low down service-er is absurd I have been transferred to a company that is for people with bad credit. Also I contacted the new servicer and you here on the recording ( we are a debt collector ) Really the guy was rude to boot!!! I have never been late with B of A and have excellent credit!! I believe this transfer is going to cause my ire-reputable damage to my credit I demand that my mortgage account be transferred back to Bank of America I will consider hiring an attorney this is not right! I will sue for damages caused to my credit from this transfer to this less than excellent third party servicing company I want this rectified!
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

Davie, FL

Using a debit or ATM card

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016 at approximately XXXX ; I went to the remote kiosk Bank of America ATM XXXX XXXX ) in XXXX XXXX to deposit cash, as I frequently do at this ATM. I entered my card and pin #, deposited my {$250.00} cash ... then the screen went back to the home screen as if nothing had been done.The machine did not return my card nor provide me with a receipt. I immediately called the ATM hotline number XXXX XXXX ) listed on the bottom of kiosk to report the problem. The representative ( XXXX TX ) I spoke with acknowledged that there was problem and cited an error message. He then attempted to " refresh '' the machine remotely, with no success. He said he was dispatching a technician immediately, but it could take up to 4 hours. He did state he would note the issues and our conversation on my account.He said this type of this type of thing " happens all the time '' and not to worry. He did close the card lost in the ATM and ordered a new XXXX.However I was not comfortable with his cavalier attitude toward the problem at the ATM ; after all he was n't the XXXX loosing the {$250.00}, so I called back. I was placed on hold for 45min when I was finally connected with another customer service rep ( XXXX AK ) in the fraud department. She said there were no notes placed on my account of any issues nor was there a record of my deposit.It did not seam as if she understood the nature of my phone call ; I know this because she continually asked me for the card number of the card that was stuck in the ATM and kept making refence to a {$250.00} deposit I made on XXXX/XXXX/2016. However she did say she would take my statement and apply a credit while it was being researched. Again my confidence was low with her ability to notate the problem correctly, and rectify the situation. I was correct ... .I called the following morning and according to the customer service rep XXXX XXXX XXXX ) there was not claim started. Again I went through the entire scenario and I believe it was corrected at that point. Now three weeks later Bank of America is debiting my account {$250.00}, stating there was no problem with the ATM. Which is untrue ; my original contact at BoA ( XXXX ) said he could see the ATM was malfunctioning due to the error message signal he got after keying in XXXX, which corresponded to the ATM I used. The customer service at Bank of America has caused me many problems and money, and this is just the latest issue! 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: No Timely Response

2016-12-21

Alameda, CA

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

2016-12-21

N Hollywood, CA

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

2016-12-21

Huntingtn Bch, CA

Transaction issue

Credit card:

Complaint: I went online to XXXX on XX/XX/2016 and purchased a TV sound bar bundle. Confirmation number XXXX. The order went through ; however, Bank of America denied the charge, then accepted the charge. Since they initially declined the charge, the order with XXXX was cancelled. When I found out, I called back to XXXX who said the item is now out of stock and the offer is no longer available. I had to purchase this item elsewhere and the total loss is {$220.00}. XXXX has advised the person of wrong doing is Bank of America for cancelling denying the initial transaction. I would like to be made whole and Bank of America has declined a valid charge. Loss : difference in pricing {$50.00}, XXXX Cash {$150.00} ( for making purchase ), XXXX rewards {$50.00}.
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