BANK OF AMERICA, NATIONAL ASSOCIATION
Consumer Complaints
There are over 87057 complaints on file for BANK OF AMERICA, NATIONAL ASSOCIATION. Dated between 2019-12-13 and 2011-12-01.
Complaints Page 975
2016-12-18
MD
Loan servicing, payments, escrow account
Mortgage: FHA mortgage
Complaint: PRIOR TO SIGNING AGREEMENT REQUESTED A FAMILY MEMBER NEEDED TO SUMMIT AGREEMENT WITH RENT .APPROVED LOAN WITHOUT ADDRESSING OUR FAMILY INCOME FOR BENEFITS FROM DISTRICT OF COLUMBIA FOR XXXX AS WELL AS XXXX SPOUSE.NONCOMPLIANCE WITH ASSISTANCE ADDRESSING CONCERNS FOR GRANTS ELIGIBLE FOR.PURCHASED LOAN FROM XXXX WITH VERY HIGH ADJUSTABLE RATES.NONCOMPLIANCE ASSISTANCE FOR HOMEOWNERS ASSOCIATION FOR TAX CREDITS.XXXX WAS LAST EMPLOYER.SECTION CONCERING XXXX. NEGATIVE REPORTING REQUESTED COMPLETION WITH ANOTHER MODIFICATION ONLY TO TRANSFER TO ANOTHER LENDER. WHICH WAITING WAS TOLD NOT TO MAKE PAYMENTS ONLY TO CONTINUE WITH ADDITIONAL LATE FEES ETC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-12-18
West Brandywine, PA
Payoff process
Credit card:
Complaint: XXXX XXXX, XXXX XXXX customer Care XXXX Consumer Finance Protection Bureau Bank of America, XXXX Via : Website Complaint Submission XXXX XXXX XXXX XXXX XXXX, XXXX XXXX RE : account # XXXX XXXX XXXX XXXX To whom it may concern at Bank of America and the Consumer Finance Protection Bureau, Although I have written many letters about my dilemma, I will try to keep this recap short and to the point : 1. As with most Americans, I was severely impacted by the XX/XX/XXXX unprecedented financial crisis.
2. My situation differs in that I took what I thought was the more honorable route. My debt relates to my former business, that I did not declare bankruptcy -- in other words, I did not " use the system ''. Who thought we would be in a long-term crisis? My business faulted when XXXX XXXX, owned by the XXXX XXXX XXXX did not pay their bills for product DELIVERED. This was just before the crisis hit!
3. Much of my business expenses were charged to this card. If you look at the former credit limit, and money used against that credit limit, and on time payables, you will see that I was never a credit risk.
4. During this period since XXXX this BOA account has been transferred from XXXX collection agency to another, so much so that I have lost track of who to submit payment : XXXX ....
5. Recently I received demanding phone calls from another agency, name unknown, demanding payment without any written support. When I stated I would only submit payment when I received something official I was told, " You will be listed as uncooperative. '' I have amicably settled bills with XXXX and other credit agencies through these years- not BoA. Where are my rights?
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 explanation
2016-12-18
Allenwood, NJ
Loan modification,collection,foreclosure
Mortgage: Conventional adjustable mortgage (ARM)
Complaint: I XXXX XXXX, having been involved in an extensive foreclosure process against my home for several years, respectfully request intervention from the CFPB. My initial complaint came to the CFPB through the governing body of my loan attached by proxy to Bank of America, the foreclosing entity. That entity is the Office of the Comptroller of the Currency. My complaint was dismissed on grounds that there was an ongoing litigation in the XXXX Circuit Court of Appeals. That is no longer the case, and I believe that my complaint should be given consideration from not only the aforementioned-federal regulatory body, but also with the Federal Housing Finance Agency. Currently there is a foreclosure scheduled on my home for XX/XX/XXXX. Per the attached responses from Bank of America, only the verification of debt is addressed. Since the procurement of my original mortgage, there has been no connection of ownership of the debt showing the original creditor, or for that matter who the current credit is that has originated a foreclosure action. As you know, according to the Fair Debt Collection Practices Act 1692-1692p, specifically 809 - Validation of debts section ( a ) Notice of debt, Bank of America was required to submit a complete validation of debt as mandated through the Truth in Lending Act. Even though that request was fulfilled, there is still ne attachment showing the original creditor or any subsequent ownership of debt as required. To this date, I have no knowledge what parties own my mortgage or connection to continue on an illegal foreclosure process by Bank of America. Under the Fair Debt Collection Practices Act, it mandates in FDCPA section 809 ( b ), 15 USC 1692g, if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall " Cease & Desist '' collection of the debt, until the debt collector obtains validation of the debt.
In XXXX vs. XXXX, the collector can not take further action until the debt is validated.
This letter is being sent to you in response to a Notice received XX/XX/XXXX, and as a follow-up to a timely-file dispute of that debt validation letter. Please be advised that, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g sec. 809 ( b ) that your claim is disputed, and validation is requested. This complaint requests validation of the alleged debt accompanied by an affidavit from the alleged original creditor, and the current creditor. Please provide the following : 1 ) A copy of the original alleged note accompanied by an affidavit from the alleged lender, XXXX ) Identify to what the alleged debt pertains, 3 ) Provide details how the alleged debt was calculated, ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, Circuit Court, XX/XX/XXXX, 4 ) Provide Regulation Z, and Notice of Right to Cancel ( Truth in Lending Act ), 5 ) Provide copies of any papers that show that I agreed to pay the alleged debt, 6 ) Identify the original creditor via affidavit, 7 ) Identify the current creditor via affidavit, 8 ) Provide the agreement between the creditor and your firm which authorizes you to collect funds ( without a contract, your firm has no right to foreclose ), 9 ) Provide evidence that the Statute of Limitations has not expired on this account, 10 ) Provide evidence that you are licensed to collect in my state, 11 ) Provide your license numbers and the Alleged Lender 's Registered Agent.
Once I receive the requested information, I will require at least thirty ( 30 ) days to investigate this information. During such time, all collection activity must " Cease & Desist ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2016-12-17
Colma, CA
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 explanation
2016-12-17
Stkn, 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
2016-12-17
Dublin, 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 monetary relief
2016-12-17
Colma, CA
Disclosure verification of debt
Debt collection: I do not know
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
2016-12-17
Saint Paul, MN
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
2016-12-17
Colma, 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
2016-12-17
Bel Alton, MD
APR or interest rate
Credit card:
Complaint: XX/XX/XXXX, I 've noticed that even though I have been paying more than my minimum payment amount and paying it on time, my balance was slow to go down. When I checked my account, I noticed that my fixed interest rate of 10.99 % ( since XX/XX/XXXX ) was moved to an interest rate of 11.15 % variable. I called Bank of America to ask why my interest rate was switched from a fixed to a variable when I have never not paid my bill, always paid more than the minimum amount and always paid on the due date, Bank of America told me they just did it to me. I asked them was n't that against the law, especially since they never even notified me of hiking up my rate? They apologized and acknowledged that they never notified me and will now send out something to me in the mail. Is this legal? Can they get away with stealing my money like this? I need help in resolving this. Bank of America can not just switch my fixed APR from 10.99 % to a variable, when I did nothing wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-12-17
MD
Problems caused by my funds being low
Bank account or service: Checking account
Complaint: Bank of America continually refuses to honor my request to opt out of any overdraft protection or coverage. I do not want any transactions that might send my account balance into the negative to be covered. If/when they are covered, Bank of America is happy to charge me a {$35.00} overdraft fee. I do n't want this coverage. I want any transactions that would send my account into the negative to be REJECTED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-12-17
Norwalk, CA
Deposits and withdrawals
Bank account or service: Checking account
Complaint: On XXXX XXXX, 2016 I went to bank of america and attempted to conduct multiple transactions. First I needed to cash my payroll check ( {$1200.00} ), I then needed to deposit {$1000.00}. I informed the teller what I needed done and was informed that she would not be able to do so. She informed me that she would not be able to cash my check and deposit the balance, but that she would be able to deposit the check and give me {$200.00} withdrawal, and that the rest would be available to me today. I asked if it would be the same as depositing my check at the ATM, and she advised me it would not because I would not be given the same available balance. So I said that would be fine. She proceeded to ask me to initial my deposit slip where she crossed out my initial deposit amount of {$1000.00}. She asked how my day was and I told her it was going good and that it was actually moving along pretty fast so it was great for a Friday. She was professional and courteous. She asked if there was anything else I needed today before she handed me the {$200.00} completed the transaction, and I said no. She handed me the {$200.00} along with my receipt and I left. I came back to the office and in reviewing my bank receipt I noticed my available balance was {$0.00} not what the teller had informed me 15 minutes prior. I called the branch to see if my transaction could be reversed. I asked the bank associate who answered the phone if I would be able to get the transaction reversed and she advised me that she would n't be able to as all of the work had just been turned in. I voiced my displeasure by telling her that this was not the first time the bank had given me wrong information and that it was very inconvenient. The associate asked me what had happened and as I began to tell her, she interrupted me, I allowed her to finish asking me the exact same question she had just asked, and I asked her if she would allow me to answer her question or if she was asking me just to ask me. She replied by telling me that she did n't need me to be rude. I informed her that she should allow a customer to answer a question as opposed to not allowing them to by speaking over them, I then asked her name she stated her is XXXX XXXX and identified herself as the assistant manager. She than asked me to let her know what happened. I informed her of the issue and she agreed that the information I was provided was incorrect and that there was nothing she could do. I again voiced my displeasure by telling her I was tired of this bank not owning up and correcting their mistakes, she said ok, and we ended the call. Now I am unable to process payments due today and will be charged for late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-12-17
Key Biscayne, FL
Using a debit or ATM card
Bank account or service: Checking account
Complaint: bank of america contacted me to say my debit card had been compromised and closed the card. i called the fraud department and theywent over the charges that were not mine and i rcived a credit the next day.
on XX/XX/XXXX i looked at my account and saw they took the money back and called them the associate told me to give him a couple of miutes to readthe notes but did not mute phone.
He read the notes from the screen out lould saying i was being denied because i showed no signs of urgency, i was not upset and did not put to much intrese in the situation so he came back and said te claim was closed and if i wanted to reopen i have to fax in a letter and gave me the numer.
I find this unfair, degrading and ilegal that they contacy mr knowing the charges are fraud and then acuse me of making them becaus i dont get worked up.
clai # XXXX and claim # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief
2016-12-17
CA
Settlement process and costs
Mortgage: Home equity loan or line of credit
Complaint: I refinanced my existing {$400000.00} Home equity Line of credit with Bank of America, which was about to be expired to a new Home equity of line of credit ( New Account # XXXX ) effective date of XXXX/XXXX/2016 at no absolute cost ( XXXX cost for refinancing ), then I found out that, the Bank of America Charged me {$1700.00} for capitalized amounts, which does not meant nothing neither to me nor to the employee 's of Bank of America which I am contacting them. Since then, I called Bank of America more than 15 times, each time they passing me from this dept. 's to another dept. 's, with no results, then finally the line will be disconnected or they telling me that someone will get back to you within 48 hours, which never happened, ( each phone call tooks XXXX 90 minutes ) In addition they put me on trial period for three months to pay {$810.00} monthly, then I was told that, it is better that, I pay the full amount monthly on my existing loan in order to keep my credit clean ( in this case I paid {$540.00} above my requested trial monthly payment ), they said that they will refund ( credited ) this amount to my principal account, which they never did.
Therefore ; I am demanding {$1700.00} + XXXX = {$2300.00} from Bank of America to be credited to my principal new loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2016-12-17
Grover Beach, CA
Loan modification,collection,foreclosure
Mortgage: Conventional fixed mortgage
Complaint: I have been trying to get a modification of my loans with Bank of America for many years and all they do is keep trying to sell my home at foreclosure with the current date set for XXXX XXXX, 2016. The Attorneys that I have talked to have said that the entire loan should have been canceled because of the Fraud committed upon me and my XXXX son but the Fraud division of Bank of America refuses to talk to us. Can you help me? XXXX XXXX, XXXX XXXX XXXX XXXX or you can contact XXXX XXXX at his email ( XXXXXXXXXXXX ) but he can no longer help me because he retired and is no longer practicing law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2016-12-17
Sandy Hook, CT
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
2016-12-16
Blmgtn, IN
Application, originator, mortgage broker
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
2016-12-16
Dover, NJ
Disclosure verification of debt
Debt collection: Credit card
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
2016-12-16
Cordova, TN
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
2016-12-16
N Hollywood, 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
2016-12-16
Johns Island, SC
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
2016-12-16
Aliso Viejo, CA
Loan modification,collection,foreclosure
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 explanation
2016-12-16
Washington, DC
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
2016-12-16
South Gate, 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
2016-12-16
Ladies Island, SC
Cont'd attempts collect debt not owed
Debt collection: Other (i.e. phone, health club, etc.)
Debt resulted from identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation