BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-20

Cleveland, OH

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 explanation

Disputed: No Timely Response

2016-12-20

Brandywine, NY

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: No Timely Response

2016-12-20

NY

Closing/Cancelling account

Credit card:

Complaint: Bank of America gave me a payoff balance to a credit card. I sent the check in full and asked to close the account. Bank of America did not close the account and charged me {$15.00}. They than reported it late for the next 120 days. At this point they closed it and removed the {$15.00} charge. This damaged my credit score tremendously and ability to obtain 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

2016-12-20

Bellaire, TX

Loan modification,collection,foreclosure

Mortgage: FHA mortgage

Complaint: I obtained a copy of my loan history report from Bank of America and the findings are VERY TROUBLING AND WORSE THAN I THOUGHT! Every month since the consummation of my loan in XX/XX/XXXX BOA has applied MY PAYMENTS TO " MISCELLANEOUS POSTING '' and still to date have funds not only in miscellaneous posting but in " partial postings '' not being applied to my loan. This is the NUMBER ONE REASON I HAD TO FILE A HOME LOAN MODIFICATION IN THE FIRST PLACE. I have brought this is up to EVERY ACCOUNT MANAGER I 'VE BEEN ASSIGNED DURING THE LOAN MODIFICATION PROCESS, ( so many CSR 's I 've lost count ) but no one could ever get it resolved as they were always waiting on a response and/or resolution " from another dept. within BOA. To further explain how I ALWAYS MAKE MY MONTHLY MORTGAGE PAYMENTS ... my husband and I have separate bank accounts so I always would CALL BOA AND PAY THE FEE TWO TIMES, ( even though while you 're in a loan modification process YOU ARE N'T SUPPOSED TO BE CHARGED ANY FEES MAKING PAYMENTS REGARDLESS ) just to make sure the payments were processed and applied correctly ... but they NEVER WERE APPARENTLY. The XXXX payment amounts from XXXX different accounts ALWAYS TOTALED ONE MONTHLY MORTGAGE NOTE AMOUNT IN THE AMOUNT OF {$750.00}. I ALWAYS STRESS TO THE PHONE REP WITH BOA THAT I NEEDED THESE PAYMENTS TO BE APPLIED TO THE LOAN AS XXXX PAYMENT NOT XXXX ON THAT PHONE CALL WHERE SHE WOULD DRAFT XXXX ACCOUNTS AND FUND THE LOAN BALANCE FOR XXXX TOTAL PAYMENT. I found out today the loan is XXXX payments BEHIND!!!! Please see the loan history report for highlights in pink of Miscellaneous postings and those in green for weird reversals/charges/fees and other odd discrepancies I ca n't explain nor make sense out of. Please see below for the other strange finding regarding the denial of my appeal request and the banks forgery of my documents received for my FHA Eligible Making Home Affordable Modification Program HAMP and Partial Claim. The letter and package I received declining my dispute on XX/XX/XXXX requesting my modification to be awarded back, ( that I was previously approved for ) came with the reason of the decline and stated, " the title of officer line of the Deed of Trust and your name was placed in place of the notary name on the modification documents ''. So my denial of the modification and previous eligibility was all due to a " said '' notary page that was notarized incorrectly, however that page that was inside this packet I received dated XX/XX/XXXX is n't at all the page I sent to BOA originally. I actually made copies of the pages I sent to BOA and pulled that file to compare. The page that BOA sent back to me has a name in the notary field that is NOT MINE! I 've attached a copy of TXDL for your comparison as well as my copy of that page which shows that space was actually left blank. So someone must have FILLED THAT NAME IN AT BANK OF AMERICA AFTER THE DOCUMENT WAS SENT BY ME. That handwriting is NOT MY OWN, please view comparisons and nor is it the handwriting of the notary, who actually is my sister and she also checked and verified this. Lastly, my sister knows my name, and does n't even need to look at my driver 's license for verification. Moving forward, this decline letter states NOTHING IN REGARDS TO MY ORIGINAL APPEAL REGARDING NEVER RECEIVING THESE DOCUMENTS IN THE FIRST PLACE IN ORDER TO CORRECT ANYTHING AT ALL! ( I 'm sorry for the writing all over the pages sent to me from BOA, I did n't think to make a copy first but I 've requested another copy ).
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

2016-12-20

Las Vegas, NV

Credit decision / Underwriting

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: Yes Timely Response

2016-12-20

Detroit, MI

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: No Timely Response

2016-12-20

Atlanta, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Hello, I 'm a customer of Bank of America and I have a complaint in with them already. I received a from XXXX XXXX. Her number is : XXXX XXXX. She instructed me that the inquired was pulled on XXXX XXXX, 2016 was legit and they would not be able to remove it. However, the inquire listed on the letter attached to this e-mail is not in question in question ... It seems that did not read or ignored the screen shot of the inquire in question as it attached the first complaint ; in addition, to this XXXX. They are avoiding that fact. It 's clear that FIA/CS pulled my credit report on XXXX/XXXX/2016. I have supplied that screenshots of the inquire pulled from XXXX on XXXX/XXXX/2016. I was instructed that they use XXXX to pull my credit as I knew they were some issues on XXXX getting corrected. Now, let me make this clear. I was using my " person credit profile '' for " Business Credit '' ; therefore, BOA pull my personal credit report to get credit for business name and they pulled it from XXXX I was mislead as ask a number of time this would be pulled from XXXX. I have attached the letter from Bank of America dated XXXX XXXX, 2016 in response to this dispute and they have responded with a TOTALLY DIFFERENT DATE OF THE INQUIRE IN QUESTION ... Please see attachments for all details. Here is the CFPB # XXXX is the first complaint.
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

Federal Way, WA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Bank of America is the culprit in me not being able to open a bank account with all banks. I had a checking account with them for a long time. One year I went unemployed and had an small overdraft and could n't make that payment, so BOA continued hitting me with Overdraft fees every time that vendor try to charge my account. BOA ran up my account into a negative balance of {$750.00} and my account was closed. Later I opened my account again and got authorization by making payments towards it and was working and everything seem to go well until ... in XXXX, I got an job offer in an email stating that they will send me checks and all I have to do is deposit it into my account and send out check payments to business people in other countries and I keep 20 % of it. Well at the time it was n't made known to the public about this sort of thing and I thought it was a legit business on the internet to work a part time job for this company. So I deposited that check for about {$5000.00} dollars and I was waiting for it to clear so that I can write out those checks and send it out and keep my working fees. Well what happened was BOA closed my accounts again and stated that I was " fraud. '' I did n't understand why so since XXXX, I have lost my account with BOA. I called to ask why and they said ; that I was fraud because I tried to deposit a " fraud '' check into my account. I have the old way of Banking that when you deposit a payroll check from your job they get the fund from the employers bank and if they are no funds then it 's the employers at fault, not the employee for depositing the check into their account. ( not knowing that the check was bad ) This is what happened to me. Now I know if anyone gives me a check in the future, I call the bank that is listed on the check and verify if the check is good before depositing it into my account. So now BOA thinks I am the fraudulent person, when it was n't I that created the check it was someone else from the internet that sent it to me via mail and I was naive employee that thought I was getting paid and to payout a portion to other employees in other countries. Therefore, because BOA thinks I am the fraud when it was my employer that is the fraud for sending me the check and it was a good thing I waited for it clear, I would have sent out my own money and I would have lost lots of money in my BOA account. Now BOA placed my name with " XXXX '' and " XXXX '' preventing me from opening a bank account in my neighborhood so I can do my banking. It has been 3 years now and I could n't open an normal bank account to deposit my earnings and do normal American Banking. Furthermore, I have filed a Chapter XXXX Bankruptcy with the US Bankruptcy Court - XXXX Washington - Case # XXXX - Filed XXXX/XXXX/XXXX and Meeting Creditors was on XXXX/XXXX/XXXX and it was " Discharged '' BOA was included in my Chapter XXXX Bankruptcy. I have notified BOA Recovery and they have cleared all of my negative balances and XXXX them out, I no longer owe BOA anything. However ; BOA Risk Management has place in the " Red File '' and I can no longer re-open my BOA account anymore. BOA has place the " XXXX and XXXX '' against me, They refuse to remove my name from their files, even after my Chapter XXXX Bankruptcy that includes BOA. I need your help in telling them to remove my name from XXXX XXXX and XXXX so that I may bank again like every normal Unites States tax paying citizen of over 20 years now. I think it is unfair that I ca n't open a normal bank account with any bank because of BOA careless and their vindictive attitude towards me the American common people that needs a bank to save their earnings and earn interests and do my everyday banking needs. I need your help in getting BOA to remove my name from XXXX XXXX and XXXX please. Thank you ...
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

Juniper Hills, CA

Late fee

Credit card:

Complaint: Dear CFPB. It has come to my attention recently that Bank of America had reported delinquencies to my XXXX credit reports for XXXX of 2014 after I paid my cards off in full at the branch for {$1200.00}. I was unaware that there was any more of a balance because I had not received my statement for XXXX. Unfortunately they had charged me interest on top of my annual fee that month and I was left unaware and had not received any phone calls or letters following up on this unfortunate situation. I was not given any tpe of grace period to make-up for the unseen payment and this has absolutely devastated my financial profile and I am now unable to financially do anything as this XXXX small lost statement has tanked my credit score. This is unbelievably unfair and I even sent Bank of America a long and detailed letter explaining my situation and the sad situation where their statement had not been received after I had paid the card off. I feel as though they have no sympathy or an understanding as to what I had to go through to find out that their interests and annual fees had accumulates unseen. This is simply not my fault, these things happen and I requested that Bank of America change their past due reporting because I had not received any warning phone calls, and heads up or any concern from them regarding this. I am and always have been a loyal customer and they sent me a letter claiming that I am repsobile for this late but I am absolutely not. Once it came to my attention at the branch that I had unseen balances on this card I made a large payment to cover it all. I am very financially responsible and this was not my fault. Even at the branch i was not told that I had any minimum payments to pay and I was aware that i had a zero balance after making a complete and full payment the month before. It is completely unfair that after a few days of not receiving a payment this company neither contacted me nor did they follow up with me, they simply sent me into default for that month. They have charged me over {$200.00} in fees that year and this is unheard of and I ca n't understand why. They did this and now i have a balance even higher than i suspected on a month where i received no statements or email regarding a payment that was due. I asked whether my mail was returned and no associate was aware nor had they any answers for me. Please investigate this situation for me. this is not fair at all.
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

2016-12-20

Charlotte, NC

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

Culver Cty, 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

2016-12-20

Des Moines, IA

Customer service / Customer relations

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

2016-12-20

August F. Haw, CA

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

Philadelphia, PA

Credit card protection / Debt protection

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: Yes Timely Response

2016-12-20

Arco, CA

Billing disputes

Credit card:

Complaint: I returned the product on XXXX XXXX, and the merchant received the item. ( I keep the records. ) However, I did n't get my money back until now. This company seems a fraud company based on lots of customer reviews. When I noticed that, I filed the claim on XXXX XXXX to Bank of America to get my money back. But the merchant insisted to send an unworkable cell phone to me, and requested the money from Bank of America ( BOA ). After I returned the product back and contacted with BOA, BOA said that they already sent the money to them and closed the case. Further, because my case is expired, BOA ca n't reopen my case again ; thus, I did n't get the money back until now. I contacted with the seller 's bank " XXXX '' and they told me they are pending the transition right now, but they ca n't sent the money back to me, either. I hope it is not too late to get my money back before XXXX transfer the fund to the seller. Could you help me to solve the problem? Thank you so much.
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

NC

Closing/Cancelling account

Credit card:

Complaint: Bank of America charging interest rates even though account was paid off and closed. They keep charging interest payments and seem to not close account even though I have called numerous times.
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

Lithonia, GA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: I have been a homeowner in my current home for approximately 10 years. Every year I have always paid my property taxes. I have never had a escrow account and it was never in my loan documents for me to have an escrow account. My county issue our tax bill in the month of XXXX. It is due in XXXX installments which is in XXXX and then again on XXXX XXXX. This year as in previous years I plan to pay my bill prior to the XXXX XXXX deadline. When I went to pay my taxes on XXXX XXXX, 2016, I discovered that the taxes had been paid and I did not know how or why. A week later I received a letter from Bank of America stating that starting XXXX XXXX, 2016, I would have to pay over {$2400.00} a month because they had paid my taxes on XXXX XXXX, 2016 and open me up an escrow account which I never had and did not want. I called them and advised them that I had the money to pay my taxes and I did not want Bank of America to pay my taxes. I paid them the amount they had paid for the taxes but the refused to put my payment back to the original amount of {$1600.00}. They said I would have the pay the {$2400.00} for a year and then they would review my account at the end of the year. I advised them that I could not make these increase payments because I am on a fixed income and my taxes had been paid which was only {$3800.00}. I advised them that all taxes they had paid was paid by me and now the escrow account that they had open was at a {$0.00} balance. They still refused to put my payment back to the original amount, even after talking to several of their employees who stated if the escrow amount was at {$0.00} my payments would return to the original amount.
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

2016-12-19

Ledgewood, NJ

Credit line increase/decrease

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: Yes Timely Response

2016-12-19

Salton City, CA

Loan servicing, payments, escrow account

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

2016-12-19

Grover Beach, 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

2016-12-19

Flushing, NY

Other

Mortgage: Other mortgage

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

2016-12-19

Ashburn, VA

Loan servicing, payments, escrow account

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 non-monetary relief

Disputed: No Timely Response

2016-12-19

Baldwin Park, CA

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 explanation

Disputed: No Timely Response

2016-12-19

Burien, WA

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

2016-12-19

Antelope, CA

Settlement process and costs

Mortgage: VA 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