BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-19

Chicago, IL

Managing the loan or lease

Consumer Loan: Installment loan

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

Detroit, MI

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: Yes Timely Response

2016-12-19

Mill Valley, 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

Mill Valley, 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: Yes Timely Response

2016-12-19

Nyc, NY

Other

Credit card:

Complaint: On XXXX XXXX, 2016 Bank of America closed out my credit card account and re-opened it within a short time frame, causing an unauthorized hard inquiry on my credit report. I do not know why my account was closed out/re-opened, but have heard that some banks have done this to force interaction with bank staff so they can promote other products. I 've notified Bank of America staff multiple times, they have stonewalled me with form letter legal disclaimers and no explanation. As a result of Bank of America 's actions, there is an unauthorized hard inquiry on my credit report. I did not seek credit from BofA, nor did I authorize this credit inquiry.
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

DE

Other fee

Credit card:

Complaint: Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Bank of America illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.
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

KY

Billing disputes

Credit card:

Complaint: In XXXX 2016, I received a letter from Bank of America stating they had a new bill payment system and to log in and sign up. I logged in and saw that my bank account info was already in and ensured it was correct for auto payments. I then changed over to paperless billing. Fast forward to XXXX 2016 and I tried to use my card and it declined. I logged in on XXXX/XXXX/16 and noticed I was late for a payment from XXXX/XXXX/2016. I immediately made the payment and tried to check my online payment system, which seemed to have my correct bank account. This 30 day late was then reported to my credit bureau on XXXX/XXXX/16, which dropped my score dramatically. Problem is, after further review I never received an alert saying I was late and I wondered why my online auto bill pay did n't work. I called CS on XXXX/XXXX/2016 and was forwarded to the tech dept. After repeated attempts to reset my account to make the online bill pay work, the tech gave up and decided I would need to fill out a paper form to get set up. I then asked if the 30 day late mark on my credit could be removed and received a call back from their credit department saying no, even though my account was investigated today and it was found to have a glitch which is why I thought I was setup for payments and alerts and I 'm not! I was receiving alerts up until XXXX 2016. My alerts stopped once I tried " their new bill payer service '' which turned out to be the worst mistake of my life. My husband is a veteran of the XXXX XXXX and we are 60 days out from closing on our home we are building and our VA loan officer says this may put our home into jeopardy.
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

NY

Deposits and withdrawals

Bank account or service: Savings account

Complaint: There were 3 unauthorized withdrawals made to my Bank of America saving account during 3 consecutive days between XXXX to XXXX, same bank location, They took {$450.00} the first day, then another {$450.00} and the last day they tried {$850.00} but they failed to withdrew the money so then they tried once again another {$450.00}. The bank called me informing me about this suspicious transactions until the third day. They said they would investigate, after several days without any update I called the bank and someone very rude told to stop worrying about it because at the end the money is insured and they will contact me when they finish the investigation. The day after I received I call from the bank informing me they determined the transactions were authorized and they will not give me back the {$1300.00} someone stole from my acct. I ask them about photos of the person who withdrew the money they say they call me to schedule a appoint to go to the bank and they will show me the photos/video. Several days passed and still no word from them I called once again and that 's when said they will not provide photos or any other proof, they solely based their claim of the transactions being authorized because the person who withdrew the money knew the pin number. They offered me to go the police if I wanted to put a complaint. I ca n't believe the bank does n't understand when I tell them I have my Card with me 24/7, I live alone, I barely withdrawn money from this account in the last several years, only deposit, still they seem fixed in the fact the person who took the money knew the pin number.
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

Lewisville, TX

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt was paid
Complaint: The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called XXXX and they are based out of XXXX Texas calling regarding a debt from Bank of America, they would not provide any license number for the company or debt collections. I told them this 'debt ' was settled with Bank of America XXXX BOA XXXX years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. While I was on the phone with FTC Texas XXXX and Texas XXXX, this bogus company is calling ALL of my relatives. Based on XXXX office and XXXX, this business is not registered with the state or the county, as required by law. I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against XXXX 's social security number. I want this company to leave me alone and stop the threatening harassing and illegal contact.
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

New Market, AL

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 non-monetary relief

Disputed: No Timely Response

2016-12-19

South Florida, FL

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

2016-12-19

Ireland, 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

2016-12-19

Charles A Hayes, IL

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 non-monetary relief

Disputed: No Timely Response

2016-12-19

Lakewood, 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: No Timely Response

2016-12-19

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Bank of America ( BofA or BANA ) caused to be recorded a Notice of Trustee Sale ( NTS ) on XX/XX/XXXX. To date, I have not been provided the original or a certified recorded copy of the XXXX as California law requires. On XX/XX/XXXX Bank of America represented to me no balance exists on my mortgage account. Based on this representation, I am no longer a mortgagor. In XX/XX/XXXX Bank of America rescinded this home loan mortgage account. On XXXX XXXX, XXXX Bank of America represented to me the home loan mortgage account had been reinstated. Any money applied to this mortgage account since XX/XX/XXXX is to be reimbursed at a ten percent quarterly interest rate as nothing has been applied to the now foreclosed upon XX/XX/XXXX Deed of Trust in accordance with the terms of this mortgage instrument recorded on XXXX XXXX, XXXX since XXXX XXXX. Therefore, an immediate reimbursement of all amounts applied to this mortgage account is in order. Currently, a Trustee 's Sale at auction is scheduled for XX/XX/XXXX at XXXX. The minimum bid is listed at {$360000.00} ( less than the original loan amount ) and does not include the balloon balance represented on the monthly installment statement or the XXXX XX/XX/XXXX lien, or any other lien recoded and attached to the XX/XX/XXXX Deed of Trust in which the XX/XX/XXXX Notice of Default ( NOD ) was recorded and associated with in error and opposition to California law. Although California law does not require a public notice or claim of adverse possession, I have made both an openly notorious and public announcement of adverse possession of my home and property since I am no longer the mortgagor associated with the XX/XX/XXXX defaulted ( according to the bank ) Deed of Trust. I am still in occupancy, possession, and control my property and home. I am now the sole owner of this property. I currently have no plans to prevent the unlawful sale of my home. However, I will take action AFTER the Trustee 's Sale at auction to prevent being forcibly removed from my home and property as California law provides for the unlawful sale of real property to be reversed. Bank of America, their employees, representatives, and third party agents do not have the right to sale the property and any bona fide purchaser ( BFP ) does not have the right to buy the property at trustee sale. Once again, XXXX XXXX has been assigned as the single point of contact ( SPOC ) effective XX/XX/XXXX. However, I was not notified until XX/XX/XXXX via a written notice of XX/XX/XXXX. XXXX XXXX has been removed and reassigned as the SPOC multiple times without explanation. I am not going to stop Bank of America XXXX Bank of America must stop themselves. Intentional infliction of emotional disstress. Negligent infliction of extreme emotional disstress. Fraudulent infliction of gross emotional disstress. Intentional misrepresentation on a mortgage or Deed of Trust. Negligent misrepresentation on a mortgage or Deed of Trust. Fraudulent misrepresentation on a mortgage or Deed of Trust. Unfair, poor and deceptive practices. Mortgage negligence. Mortgage fraud. Modification negligence. Modification fraud. Foreclosure negligence. Foreclosure fraud. California 's Unfair Competition Law ( UCL ) Claim. Privacy Act. Racketeer Influenced Corrupt Organizations ( RICO ) Act. Real Estate Settlement Procedures Act ( RESPA ( Regulation X ) ). Truth In Lending Act ( TILA ( Regulation Z ) ). National Mortgage Settlement ( NMS ). California Homeowners Bill of Rights ( CalHBOR ). California Business and Professions Code. Title 12 United States Code Chapter 28 - Emergency Mortgage Relief. Making Home Affordable ( MHA ) Act including, but not limited to, Home Affordable Modification Program ( HAMP ), the Rosenthal Act. Fair Debt Collection Practices Act ( FDCPA ). Dodd-Frank Wall Street Reform and Consumer Protection Act.
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

Durham, NC

Loan servicing, payments, escrow account

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

2016-12-19

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: Yes Timely Response

2016-12-19

Jupiter, FL

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I have a checking and credit card account with Bank of America. I was called on XX/XX/2016 by BofA Collections. I authorized a payment of {$110.00}. On XX/XX/XXXX I was notified my acct was overdrawn. I checked on XX/XX/XXXX an illegal transfer of {$220.00} was taken out of my account and applied to my CC. On the XXXX the {$110.00} was transferred out. I called BofA and their CS Rep stated she will xfer the {$220.00} back in 1-2 bus days. I waited a few business days and nothing. I filed a fraud report, the rejected it since they did n't loose any money, I have the letter. Collections stated it was pending the transfer takes up to 7 bus days. Several other business days went by. I called fraud to dispute their letter. They needed to do an internal investigation if an employee is making these transfers illegally to get his collectable number up. That rep stated she would have her manager transfer the money in 24 hours and they would look into it. Many days later I still have not seen the transfer. I believe it is a bank directive to have their employees bring their collectable numbers up by what ever means. I warned several people at BofA that this is worse than XXXX falsifying accounts. This was theft and at a large scale, grand larceny. Please investigate. I would like the money transferred back and I will decide on the next payment. This inconvenience caused me me to be late on a lease payment and I had to sent {$40.00} more.
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

VA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: XXXX ( Bank of America ), as trustee, settled a trust in XX/XX/2016, that included real estate. It held back {$10000.00} in cash from the asset distribution as " Real Estate Reserve '', to cover additional expenses pertaining to the real estate, such as transfer fees, real estate taxes, etc. We agreed to that when approving the structure of the initial distribution. The real estate now has been fully distributed, so XXXX no longer has any related liability as trustee. It did incur additional real estate taxes, and transfer costs for deed, recording, etc. However, it has not distributed the remaining funds held back as reserve. I have made four inquiries to the office that managed the distribution, and the last two have been ignored. This appears to be a case of XXXX holding on to our money without any legitimate reason to do so.
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

CT

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: Merrill Lynch sold my loan to Bank of America. Bank of America calculates the interest on the loan differently than Merrill Lynch did. The Bank of America calculation is always either the same or higher. I contacted Bank of America and was told that they are aware of the difference but will not be calculating the interest the way Merrill Lynch did. Bank of America told me that I am not the only XXXX with this issue.
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

Bozeman, MT

Deposits and withdrawals

Bank account or service: Checking account

Complaint: On XXXX/XXXX/2016 I made an online transfer via my Bank of America online account to my landlord who uses XXXX XXXX Bank. Bank of American withdrew the {$2000.00} of funds from my account on XXXX/XXXX/2016 but never delivered it to the recipient. I have discussed this with both the recipient and XXXX XXXX Bank and they confirm as of XXXX/XXXX/2016 they have not received the funds. I have asked Bank of America to put the funds back in my account as they failed in their delivery of the funds. To date they have refused to put my funds back into my 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

Lehigh Acres, FL

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: I transferred XXXX IRA 's to Merrill lynch last year. From the time I opened my account I was asked repeatedly by the broker in XXXX to return to his office to fill out the same forms over and over again. I also was asked to provide a death certificate for the inherited IRA, which I did to the merrill lynch broker in XXXX and again to another merrill lynch broker in XXXX. I had to provide the death certificate before I could withdraw the RMD required minimum distribution. I also filled out forms so the RMD would be withdrawn automatically and sent to me. last Friday I called merrill lynch to see what happened to my RMD. I was told they dont have the form for an automatic withdrawal on file but they would send me a check as I requested. Shortly thereafter I received a message on my phone telling me to call merrill lynch. I did and when I was finally able to get through their automated phone system i was told they refuse to send me MY money from MY account in the RMD unless I send them a copy of the death certificate, which i already did twice. If I do n't receive the RMD before year end I will have a problem with the IRS. I ask you to contact merrill lynch and get me my money now, I also read in the past merrill lynch entered into a consent decree when sued by you, Apparently merrill lynch does not take you seriously as they continue to flout the law, therefore I ask you to fine the as much money as you can and to revoke the brokers licenses of all those involved in attempting to deny me access to my money.
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

DE

Other fee

Credit card:

Complaint: Again, this is unacceptable. You 're telling me that I am liable for charges that someone in your company thought it was ok to illegally sign me up for, and I am liable because I did n't cancel within 30 days? I would have gladly done so if I would have know I was being charged every month. But again, I had no idea because I did NOT sign up for this credit protection. I do not dispute interest charges, I know I had a balance, there is no reason to dispute those. However, I am disputing these illegal credit protection charges. Also what is this Sales practice litigation settlement? I did not receive anything regarding this. Where is my signature, where is my phone call or memos showing that I authorized this? Again, someone at your bank, had an incentive to do this without proper authorization! I want these unauthorized fees back. Maybe I need to go somewhere else for assistance and make it known that Bank of America illegally sets up fees on people 's accounts and just because it was past 30 days, the customer is liable for it.
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

2016-12-18

Cherry Brook, MA

Other transaction issues

Money transfers: Domestic (US) money transfer

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

2016-12-18

Galena, OH

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I can give you more detail at a later date if needed but the condensed version is that I app applied and was accepted for a loan with Bank of America and through the process the amount that would be payable per month changed 4 times till literally the night before closing it was higher than I knew I could afford. I was not given that amount till I called my loan officer the night before because I did n't even know how much I was supposed to bring to the closing. I was n't given my final disclosure till 2 days AFTER the closing date!!!! I was NOT going to go to a closing without having the final disclosure and therefor the closing did n't happen which left me " homeless '' as I had given notice for where I was living and HAD to move! I have every piece of documentation and email of charges I incurred that has never been returned and proof of the increases and that the final disclosure was sent AFTER the closing date.
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