BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-21

Minneapolis, MN

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On the XXXX of XXXX Bank of America closed my account in error. I immediately called abd spoke to XXXX who was working in BoA compliance and was assured this was a bank error and would be fixed within 24 hours. The account opened again and then 12 hours later closed again. I rang again and talked to XXXX in BoA compliance ( XXXX ) who said that she would sort everything out as this was a bank error, and that no check had been issued on the closed account. She assured me that it would all be cleared ad back to normal by the XXXX of XXXX and to please wait until then. I did this. On the XXXX of XXXX I rang again and BoA told me that a check had been sent on the XXXX - to which I replied that I had been assured this would not happen nor would it be sent. The customer service representative said all she could do was put a stop on the check and to please wait for 7 days for it to clear. In the meantime I traveled to the US only to find that my funds were still not cleared. I went into a Bank of America branch in XXXX and they said there was n't anything they could do and I should call BoA again. Today now the XXXX of XXXX after spending 1 hour and 20 mins on the phone all the representatiives have told me that there is nothing that they can do as it was a cashiers check which has been sent to my XXXX address and that I either have to wait 90 days before they will credit me my money or post the check back to them which means I have to wait for another 3 weeks until I go back. So for the past 21 days I have not been able to access my own money of {$6700.00} and they have told me that I will not be able to access XXXX until I either send the check that they shouldnt have sent or another 90 days. As far as I am concerned this is completely unacceptable behavior for a bank when they made the error and should have immediately credited my funds back. So here I am visiting the US without access to any of my funds.
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

Key Biscayne, FL

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: the bank : Bank of America has paid a check twice for the same amount Check # XXXX one time on XXXX XXXX and for the second time on XXXX XXXX, XXXX, we did present the claim to them and last week after a conversation with the representative asking for the refund since that was a check over 2 year old and posting twice we need to wait for XXXX bank we do not have our account with them we banking with Bank of America
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

Cherry Brook, MA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I was on Bank of America website last week to make a payment to my mortgage account. The website was having issues, I was not able to submit a payment. I made a complaint via the on-line message center, I never received a response from BOA. I went back into BOA yesterday to try the payment again, there was NO mortgage listed there at all. I called BOA, they said the Sold my mortgage to XXXX XXXX XXXX XXXX which is a total SCAM company. I do NOT want my Mortgage sold, I like having my mortgage account with Bank of America. I have several accounts with them. This is extremely distressful and all I want is for Bank of America to NOT sell my mortgage to anyone. The worst part is I already, previously had this mortgage with a Scam Company before it was with BOA, it was COUNTRYWIDE MTG. I do not need another Scam company handling my Mortgage! Please help! Thanks, XXXX
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

Baton Rouge, LA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I am a Realtor, representing a seller of a flooded home in XXXX, LA. The owner has flood insurance and a check has already been disbursed and forwarded to Bank of America and is in their escrow account. We now have the house under contract to be sold, and BofA will not cooperate in providing a pay-off so that the act of sale can be conducted. We have been stalled for 3 weeks, and are getting nowhere in dealing with the pay-off department.
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

NJ

Delinquent account

Credit card:

Complaint: I have a credit card with Bank of America, I have been paying my account on time via recurring payment or auto debit option with a fix amount of {$50.00}. XX/XX/2016 my minimum amount increased from {$50.00} to {$55.00} so the payment were less than amount due. Since I was enroll in auto debit option I was not paying attention to account statement. I found about this only when my account was reported delinquent to credit reported agencies. I never received a notification from the bank that I 'm paying less than amount due and when I called customer service the agent told me rudely that it is not their job to notify customers that I have being paying less than amount due. They not just reported my account late but also charged me late fee for XX/XX/XXXX till XX/XX/XXXX while I have been paying {$50.00} each month.
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

Louisa, VA

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: Yes Timely Response

2016-12-20

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Bank of America has been assessing principal and interest on this home loan mortgage account since it 's delinquency. Bank of America has also charged me principal and interest according to the Notice of Default ( NOD ) and Notice of Trustee Sale ( NTS ). However, I have not been issued any XXXX and XXXX for the tax years of XXXX, XXXX, XXXX, XXXX, and XXXX. I am unable to file accurate and complete tax returns without the required and supporting documentation that, as a matter of law, are to be provided not later than XXXX XXXX of the following year. Also, I have not been provided any information as to what has happened to the interest assessed and charged to me and this account. Did Bank of America take the the tax credit? Did XXXX XXXX XXXX XXXX ( XXXX ) take the tax credit? Or, will any buyer of the mortgage debt through Trustee Sale at auction take the tax credit included in the purchase price? 1 ) Intentional infliction of emotional disstress. 2 ) Negligent infliction of extreme emotional disstress. 3 ) Fraudulent infliction of gross emotional disstress and stress. 4 ) Intentional misrepresentation on a mortgage or Deed of Trust. 5 ) Negligent misrepresentation on a mortgage or Deed of Trust. 6 ) Fraudulent misrepresentation on a mortgage or Deed of Trust. 7 ) Unfair, poor and deceptive practices. 8 ) Mortgage negligence. 9 ) Mortgage fraud. 10 ) Modification negligence. 11 ) Modification fraud. 12 ) Foreclosure negligence. 13 ) Foreclosure fraud. 14 ) California 's XXXX XXXX XXXX XXXX Claim. 15 ) Privacy Act. 16 ) Racketeer Influenced Corrupt Organizations ( RICO ) Act. 17 ) Real Estate Settlement Procedures Act ( RESPA ( enforced by Regulation X ) ). 18 ) Truth In Lending Act ( TILA ( enforced by Regulation Z ) XXXX. 19 ) National Mortgage Settlement ( NMS ). 20 ) California XXXX ( XXXX ). 21 ) California XXXX. 22 ) Title XXXX United States XXXX XXXX XXXX - Emergency Mortgage Relief. 23 ) XXXX including, but not limited to, 24 ) XXXX XXXX XXXX XXXX. 25 ) XXXX XXXX. 26 ) Fair Debt Collection Practices Act ( FDCPA ). 27 ) Dodd-Frank Wall Street Reform and Consumer Protection Act. 28 ) State Tax Evasion. 29 ) Federal Tax Evasion. 30 ) Withholding of accurate and complete tax related documents. I am not trying to stop Bank of America XXXX 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, Bank of America must also repay the tax payers all amounts associated with this account. This includes, but is not limited to, XXXX, XXXX, XXXX funds since XXXX. Damages are calculated as follows*/** : STATUTORY : Median Home Value ( MHV ), 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 XXXX 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

2016-12-20

E Lansdowne, PA

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

2016-12-20

Barstow, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

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

2016-12-20

Alpharetta, 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

2016-12-20

Crossings, FL

Using a debit or ATM card

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

2016-12-20

Dallas, TX

Using a debit or ATM card

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

2016-12-20

Maclean, VA

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 monetary relief

Disputed: No Timely Response

2016-12-20

Rosemead, CA

Loan servicing, payments, escrow account

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

2016-12-20

Hialeah, FL

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

2016-12-20

Sarasota, FL

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 explanation

Disputed: Yes Timely Response

2016-12-20

Newhall, CA

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

2016-12-20

Naperville, IL

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 explanation

Disputed: No Timely Response

2016-12-20

Hollywood, FL

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 explanation

Disputed: No Timely Response

2016-12-20

Loan modification,collection,foreclosure

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

2016-12-20

Hudson, NC

Problems caused by my funds being low

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

2016-12-20

Sacramento, CA

Dealing with my lender or servicer

Student loan: Federal student loan servicing

Received bad information about my loan
Complaint: BANK OF AMERICA/XXXX is reporting for XX/XX/XXXX as 90 days behind however reported XX/XX/XXXX to XX/XX/XXXX in good standing. It would not be possible to be 90 days late if the account was in good standing the month prior. This is significantly bringing down my credit.
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

2016-12-20

Grape Creek, TX

Using a debit or ATM card

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

2016-12-20

Houston, TX

Loan servicing, payments, escrow account

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

2016-12-20

Discovery Bay, CA

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 explanation

Disputed: No Timely Response