BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-14

N Hollywood, 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

2016-12-14

Stockbridge, GA

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: Yes Timely Response

2016-12-14

San Dimas, CA

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 explanation

Disputed: Yes Timely Response

2016-12-14

OK

Delinquent account

Credit card:

Complaint: I had a bank of america credit card that is being reported as derogatory on my credit reports for XXXX and XXXX past the XXXX years allowed. It should have come off last month but is still there.
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

2016-12-14

Osburn, ID

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

2016-12-14

Ardmore, MD

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

2016-12-14

Springfield, VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: after, my initial complaint with Bank Of America ( case # XXXX ) i decided to close my checking and savings accounts with them. I went to the bank on XX/XX/XXXX at approximately XXXX for that purpose. I spoke with the representative about my request ... ASKED HER SPECIFICALLY to make sure my last 2 checks had cleared ( 1 of which was written to XXXX mortgage company for payment ) she stated they both HAD CLEARED ..so I then initiated the paperwork to close the 2 accounts ... i was given the funds from those accounts and i left .the bank. 4 days later I received a notice from Bank of America, stating that my check to XXXX had been processed, apparently on the EXACT SAME DAY I CLOSED THE ACCOUNTS XX/XX/2016 ) ... .and it was " denied " for insufficient funds ..that was my MORTAGE payment which was written and mailed on the XX/XX/XXXX!!!! how could that happen when the representative told me it had in fact cleared and why did it take 6 days for BANK OF AMERICA to process ... ..it appears to me the timing is off on this SCENERIO ... if i was told it had cleared on the very day i was in there ... how could BANK OF AMERICA NOT HAVE PROCESSED IT BY THE TIME I WAS IN THERE AT XXXX ... ..SO YET AGAIN I am on the recieivng end ... incurring the problem and i have to do damage control ... take a hit on my credit score ..i have NEVER had a check returned for insufficient funds ... i had to call my mortgage company explain to them this was A MISTAKE OF BANK OF AMERICA and begged them to not penalize me OR SUB, IT A " DELINQUENT DING " ON MY CREDIT HISTORY BECAUSE OF A MISTAKE FROM BANK OF AMERICA ... unfortunately it was too late to avoid THE REPERCUSSIONS OF THIS MISTAKE WITH XXXX ... that being stated it would be nice to have Bank of America contact my mortgage company and explain what happened and have the negative impact of this " bounced " check removed from my credit history and credit report, thus exonerating 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

2016-12-14

Richmond, VA

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

2016-12-14

Fairfax, VA

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

2016-12-14

Liverpool, TX

Wrong amount charged or received

Money transfers: International money transfer

Complaint: I have copied this from case # XXXX so you can see why I need to submit another complaint, please read all the way down and look into new attachments. The new one from BOA, XXXX XXXX and all XXXX XXXX Newest argument on list XXXX. I have been sending money to XXXX to take care my mother who has XXXX XXXX via my sister 's account in XXXX. Recently, I have used Bank of America, first one on XXXX XXXX, XXXX XXXX and XXXX XXXX and noticed OTHER FEES charged {$15.00}, {$15.00} and {$20.00} respectively on top of transfer fees {$45.00} each. My sister was able to get the document from XXXX showing the actual amount each time it went thru and it was less deposited due to " OTHER FEES " as above. I asked Bank of America what is that for? It said Intermediary Bank Fee. I asked which intermediary Bank was it? It ca n't answer me. That was the answer from the " wire room specialist '' The XXXX statements showed It went straight from Bank of America to XXXX minus OTHER FEE CHARGES every time, NO Name of other Bank i.e. third party bank showed.Why am I getting double dip from this big bank? It is WRONG. My friend used XXXX and no other fee charges with XXXX for wire transfer. Below is what BOA replied. Bank of America Corporation said : Explanation of closure We have reviewed the recent wire transfers and associated fees referenced in the inquiry. We have confirmed that the wires were executed in accordance with the enclosed Deposit Agreement and Disclosures publication, and the fees referenced were assessed in accordance with the Personal Schedule of Fees. We regret to learn of any inconvenience and frustration this matter may have caused, and apologize for any service provided that did not meet your expectations. We have enclosed a copy of the completed wire transfers and affirm that the intermediary bank, XXXX, deducted the credit initiated fee for each wire. Therefore, we respectfully decline the request for a refund of the fees involved in the associated wire transfers. Please contact XXXX for assistance in your request for a refund of the wire fees. I have found how BOA hiding the " OTHER FEES '' per my notes below : 1. XXXX is the RECIPIENT bank not INTERMEDIARY bank. Look into XXXX wire XXXX from BOA please. Under credit info 2. Same document showed NO NAME on intermediary bank section on all 3 transactions 3. Same document, on the first section on the left, it printed " Beneficiary Deduction and Receiver Fees '' USD ... .that what " other fees '' charged to me by BOA . It is not even intermediary bank fee liked BOA claimed. IT IS A BOGUS FEE. 4. The amount matched all XXXX transfers papers and they were deducted from here, BOA, before it reached XXXX. 5.Look into XXXX documents and they all showed the amount all less due to BOA charged that BOGUS FEE. 6. XXXX has charged its own " inward commission '' in XXXX XXXX that I am fully aware of and it was separated. I have highlighted for you to see. 7. BOA lied to me and other customers with this BOGUS fee which is deceptive practice. And CFPB can help us to remove hidden fees like that. 8 .On the other note, funds transfer agreement document from BOA, I NEVER specify intermediary bank neither. This is global bank that does n't need intermediary bank to begin with. And they come up with " BOGUS FEE '' instead. 9. CFPB is the only agency that help consumers like me not to be taken advantages from this major bank. Thank you very much for looking into this matter.
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

2016-12-14

Federal Way, WA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I had about {$1300.00} taken out from my bank 's checking account and {$200.00} from my savings from more than XXXX ATMs throughout my area. I contacted Bank of America after receiving a text about unusual activity, filed a fraud claim, and then received a message that they " do n't believe an error has occurred. '' I called them up, and they advised me to file a police report and fax it to them, and the would re-evaluate my claim. I did so, and again, I received a message that they " do n't believe an error has occurred. ''
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

2016-12-14

South Florida, FL

Credit card protection / Debt protection

Credit card:

Complaint: Canceled a service due to false and inconsistent availability of service. Communicated this cancellation to credit card company prior to canceling so I will not incur the monthly charge. Credit Card Company decided four months later to honor their cancellation fee when I had established that the merchant had no right to charge my card. Credit Card company gathered information from the merchant and decided they would honor their request. Credit Card company advised me they received information and after thoroughly reviewing the case they could not assist me. Upon reading their case, I found the merchant has provided them with a credit card agreement form with a invalid date of signature. Meaning, the merchant provided them a false document. The merchant provided them an agreement form of 2013 when services were not rendered nor established an entire year subsequent to this. Clearly, the merchant has gone through many obstacles to get paid ; even providing false documentation. When I advised the credit card company, they stated they will not get involved ... .although they did because they acting as a third party and granted a payment without my authorization.
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

2016-12-14

Temperanceville, VA

Deposits and withdrawals

Bank account or service: Other bank product/service

Complaint: On XXXX XXXX, 2016, I checked the status of my income tax return on the IRS website. To my surprise, I received a result that said my refund was sent to the bank information since XXXX XXXX, 2016. I called IRS and was told that the IRS received my income tax documents on XXXX XXXX, 2016 and immediately sent my refund, in the amount of more than {$5000.00}, to a checking account ( which resembles mine except the very and only last number ) on XXXX XXXX, 2016. The IRS explained to me to me that BofA should have sent the refund back to IRS given the name, account number ( if it existed ), and other account information do not match. Given that there was no record of BofA sending the refund back to the IRS, the IRS representative initiated a trace of the refund, which would take about 4-6 weeks. After talking to the IRS representative, I immediately called BofA, and notified them of what happened on the same day. At first, I was assured of the BofA 's cooperation and the presentative even completed a request for an investigation to attempt to solve the case internally. I was told that within 3-5 business days, I will receive the result of the investigation via mail. On XXXX XXXX, 2016, a letter from the BofA was received instructing me to call the IRS. I called the IRS again and was told that they were still waiting for the result of the trace, which was initiated on XXXX XXXX, 2016. On XXXX XXXX, 2016, I finally received the result of the trace initiated by the IRS. It was shocking to see the evidence that BofA accepted the refund and deposited it to the account that did n't match my name and have not returned the funds back to the IRS. I called BofA again. The representative said the funds was indeed received on XXXX XXXX, but was immediately returned on XXXX XXXX back to the IRS because " there was a discrepancy between the name and the account number associated with the refund. '' I communicated this response to the IRS and I was told that the trace would contradict what the BofA representative said and that the trace would verify that BofA still has the refund. I decided to visit a BofA bank center in person. I was immediately turned away and was told to follow up the case with the IRS. BofA tossed me around with the different information provided to me by their representatives. One telephone call with a representative ( from a different call center ) would give me a different information from the other representatives everytime I call BofA. It was clear that BofA representatives did not have consistency with the information they provide their customers, as well as not having any accountability with their actions. When it seemed that there was no other solution I could think of or any place that could assist me in retrieving my money, I consulted IRS again. I was told that IRS has also tried to ask BofA repeatedly to return the funds, but BofA ceased on communicating with them as well. Up to this date, I have spent a considerable amount of time and energy trying to communicate with the BofA. Countless phone calls and letters have been sent to BofA in an effort to retrieve the money that clearly belongs to me. The events above show that BofA ( 1 ) deliberately showed no regard for the substantial distress and financial devastation its actions would inflict on its customer 's life and financial standing. In addition, ( 2 ) the trace initiated by IRS showed that a BofA account number that resembles mine ( the last number is the only difference ) existed and is clearly a violation of safe and security practices uphold to bank standards. Lastly, ( 3 ) BofA does not have safe and security practices in place to protect its members by accepted a transaction despite discrepancies with the bank accounts. BofA is clearly letting a stranger ( if it 's not an inside job ) to keep my money.
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

2016-12-14

Rncho Domingz, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: In XX/XX/2013 I was in great standing with all of my banks and all bank accounts per bank. I had a wonderful ( and rare ) credit score of about XXXX and my financial life that I worked very hard to build was in excellent shape. In XX/XX/2013 I had a small issue and situation with one of my businesses where a partner wrote me a check where I then deposited into my account at Bank of America. The first and only check of its kind. I was much later ( months later ) notified of the issue and that the check was not good. I should have been warned on time to fix the situation but I was not due to whatever reason internally at BofA. The account was closed and then I was reported to both XXXX and XXXX. I was not only reported for a charged off account but I was also reported as " Suspected Fraud '' " Fraud on Account '' etc ... Immediately once I was aware of this issue - I resolved my account past due ( even though the account was closed ) and I did not owe the bank any more money from that point forward. The account went {$700.00} negative ( due to the check bouncing ) and I made it good brought the account to a XXXX balance immediately when notified. I tried to dispute this FRAUD REPORTING directly with BofA for the last 3+ years and directly with the financial agencies I was reported to ( XXXX and XXXX ). Never did it conclude in my favor and the disputes were rejected with unjustifiable reasons. Now it has been years ( XXXX almost ) and the words Bank of America ( wrongfully ) systematically used ( FRAUD ) on the reporting to both XXXX and XXXX have changed my life for the worst. The damages that have been done in result from their negligence and unethical practices can not be reversed. The direct harm done and punishment to victims of this situation is not yet made aware to the public or legal authorities. This case and situation should be escalated to the highest courts in the country because that is how serious my claims are and what I am a victim of. After considering the above, I am now aware of the fact that I am a victim of : Fraud/Malpractice, Negligence, and Emotional Distress - caused by BofA and in part by XXXX and XXXX for not thoroughly and lawfully investigating every reporting that comes in before flagging that person file/record - leading to a fraudulent claim on that consumers reputation and file. Legally, I can file a class action lawsuit or various types of lawsuits for a few things that BofA ( and XXXX and XXXX XXXX XXXX ) has unlawfully done to me personally and to other consumers. This has affected my life in such a way where it has caused XXXX, and my overall way of life has been completely diminished. I was a young, successful, happy, healthy man - I am currently XXXX XXXX. I now see XXXX, and I have extensive records to show that this overall situation I was a victim of was the trigger to this serious decline in my life. I have since sent them a final letter to settle my demands I requested of them ( demands that are both monetary and procedural revisions within their company ) and I recently got a denial letter back after months of considerations and communication with them. My last option is THIS - reporting to you guys in hopes of getting your help on this matter before I file a lawsuit against them. 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: No Timely Response

2016-12-14

FL

Disclosure verification of debt

Debt collection: Mortgage

Not given enough info to verify debt
Complaint: DUE XXXX due refusal to disclosed XXXX AS TRUSTEE ADDRESS on Account # XXXX, Property : XXXX XXXX XXXX XXXX, XXXX Fl XXXX. XXXX falsely claiming to be Attorney in Law of supposed investors, base in fraudulent, suspicious, purported assignment mortgage, recorded on XXXX, is requiere under Section 6, The Real Estate Settlement Procedures Act ( RESPA ) to furnished investors information and principal office : To Servicing Bank : XXXX XXXX, UT XXXX Ref. : XXXX XXXX XXXX Acc # XXXX Property : XXXX XXXX XXXX XXXX XXXX Fl XXXX NOTICE TO DISCLOSE XXXX AS TRUSTEE HEADQUARTER ADDRESS AND ITS CEO OR AGENTS The undersigned, pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) request XXXX to produce/disclose the following information : 1. Release XXXX AS TRUSTEE Headquarter Address of the Mortgage Acc # XXXX. 2. Release XXXX, As Trustee 's representative name, in authority to handle decision/legal action on subject Mortgage signed by XXXX XXXX and XXXX on XXXX XXXX. 3. Release, but not limited, any assignment officially recorded by XXXX XXXX XXXX to XXXX or any other institution, previous of the purported one recorded on XXXX by crooked and disbarred lawyer XXXX XXXX and Bank of America. Pursuant Section 6, The Real Estate Settlement Procedures Act ( RESPA ) XXXX as the servicing bank handling this account, is required to disclose and release the above-referenced and inquired documents. XXXX, Fl XXXX 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

2016-12-14

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 monetary relief

Disputed: No Timely Response

2016-12-14

Amherst, NY

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 monetary relief

Disputed: No Timely Response

2016-12-14

Grosse Ile, MI

Application, originator, mortgage broker

Mortgage: Home equity loan or line of credit

Complaint: We have a home equity line of credit of XXXX originally thru XXXX XXXX. which i have original paperwork. with XXXX only payments and a balloon payment at the end of term, which was XX/XX/XXXX originally date of loan XX/XX/XXXX. In XX/XX/XXXX we contacted BOA who now owns loan, for help with this, which we 've had numerous representatives or case managers. finally in XX/XX/XXXX of this year, XX/XX/XXXX we were granted a 40 year amortization loan. we sent back required forms thru XXXX, BOA never received it. I had to call XXXX to confirm delivery to BOA, which i did told BOA that our paperwork was delivered to them. XXXX weeks later they found the pkg, but by then it was too late and we had to start from scratch. Now we got notification that we were denied the loan modification, due to no interest only loan and no balloon payment. which like i stated i have the original paper work, for proof. They do not want to listen, do not agree, i offered to send copy of paperwork. I now have left message with last caseworkers XXXX, waiting on a call back. The case XXXX XXXX XXXX, XXXX of many we had, stated the decision is final and we can be put into foreclosure, even after attempts to change decision. this is when i asked to be put in touch with a higher up, his XXXX. I am now waiting for a call like i said. They are deceitful and unorganized, lose paper work also not having the correct paper work. I am doing everything i can to keep our home of 35 years.
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

2016-12-14

Sebring, FL

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

2016-12-14

Bakersfield, CA

Unsolicited issuance of credit card

Credit card:

Complaint: I received a credit card from Bank of America that I did not request. ( card # XXXX ) Exp XX/XX/2020 )
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

2016-12-14

Austin, TX

Loan servicing, payments, escrow account

Mortgage: Other mortgage

Complaint: I am attempting to resolve the balance of {$3600.00} reflected in a " charge-off '' status on my credit report for the account # XXXX, previously mortgage loan # XXXX held by Bank of America. I believed the balance of all amounts due to Bank of America for both Loan # XXXX and Loan # XXXX were satisfied by the foreclosure and subsequent sale of the property on XX/XX/XXXX. I have contacted Bank of America XX/XX/XXXX and XX/XX/XXXX in an attempt to understand how this balance was generated and why it is being reflected as a charge-off on my credit report. Bank of America representatives have been unable to verify how or why this balance is due. I have also been in contact with XXXX. A dispute has been communicated to Bank of America at least twice. I am requesting that Bank of America, provide documentation which I can reconcile with my own accounting records and reflects that the amount of {$3600.00} is rightfully due.
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

2016-12-14

San Francisco, CA

Other

Credit card:

Complaint: Since the last few months I 've been unable to resolve with BOA regarding late payments on my credit report. They have been unwilling to resolve this issue in spite of this issue occurring due to BOA fault, for which I have provided them all the documentation they requested to ensure its removal. I obtained a secured card with BOA in XX/XX/XXXX with an {$800.00} deposit to build my credit. By XX/XX/XXXX, I had established good enough credit to secure auto vehicles and a XXXX mortgage. Hence at the time I decided to close this secured card, as I no longer needed it to build my credit. On XX/XX/XXXX, I sent an employee with my BOA card to XXXX XXXX to make a small purchase for me. the next day I spoke to a rep at Bank of America to get the payoff, so that I could payoff and close the account. I was told that I owed {$25.00}. Hence, I rendered a payment for {$25.00} to BOA and thought the account to be closed and inactive. However XX/XX/XXXX, when I walked into my Bank of America branch to speak with my personal banker, I was told that the credit card account was still open and delinquent and had also incurred an annual fee for XX/XX/XXXX I would find that the last charge made on XX/XX/XXXX did not post to the account until XX/XX/XXXX hence I was given an incorrect payoff from bank of America on XX/XX/XXXX, that did not include the transaction from XXXX XXXX. The account was then closed and I recall being issued a refund for the secured card deposits. Between XX/XX/XXXX and XX/XX/XXXX, I did n't get any calls from BOA alerting me of the late payments either, and even while I continued to visit my local branch for other BOA account services I was not told about this. Additionally, I was saving all mail correspondence from BOA without opening them thinking they were my bank statements. I noticed there was one small payment of {$15.00} made XX/XX/XXXX, I suspect my dad made this payment after receiving a notice in the mail, I had entrusted him with paying my bills while I was away in XXXX at the time.
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

2016-12-14

IL

Customer service / Customer relations

Credit card:

Complaint: On about XXXX XXXX of this year I applied for and was approved for a Bank of America Cashback credit card. My wife and I got our cards about 3-4 weeks later and started using them shortly thereafter. Around XXXX XXXX, I tried to use my card at a few vendors that I commonly frequent, and the charge was denied. On XXXX XXXX, I called Bof A, and spent about 1/2 hour on the phone trying to get an answer as to why my card was n't being accepted. The only thing they could tell me was that my account was frozen and there was nothing they could do, including telling me why the account had been frozen. I was told I would receive a phone call from BofA within 48 hours. After approx. 48 hours with no phone call, I again called BofA on XXXX, spent nearly 1 hr trying to get an answer, but to no avail - again, nothing they could do, including telling me why the account had been frozen. I was told I needed to go to go to a BofA branch to resolve the account, but the nearest branch to my home is about 1 1/2 hrs round trip - very inconvenient. On about XXXX XXXX, I got a letter from BofA , which was very vague, but indicated my account had been frozen because of information from my XXXX credit report. But once again, no specifics. I am very frustrated, even dismayed, by my entire experience throughout this ordeal. I feel I have been treated very unfairly and I am seeking resolution through a 3rd party because I have gotten nowhere with BofA.
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

2016-12-13

Beryl, AR

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

2016-12-13

Burlingame, 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: Yes Timely Response