BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-07

Northdale, FL

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

2016-12-07

Arleta, 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

2016-12-07

Carson, CA

Problems caused by my funds being low

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

2016-12-07

Lenzburg, IL

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

2016-12-07

Fresno, 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

2016-12-07

Knoxville, TN

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

2016-12-07

Madison Square Sta, NY

Billing disputes

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

2016-12-07

San Francisco, CA

Billing disputes

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: No Timely Response

2016-12-07

Sacramento, 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

2016-12-07

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

Disputed: No Timely Response

2016-12-07

Northville, MI

Using a debit or ATM card

Bank account or service: Checking account

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-07

Longwood, FL

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

2016-12-07

Centerville, NC

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 monetary relief

Disputed: No Timely Response

2016-12-07

Atl, GA

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: No Timely Response

2016-12-07

Foothill Ranch, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: On XX/XX/2016 I went to Bank of America to open new checking and saving account. I had an offer with me ( Internet offer printout ) which says, " Get {$300.00} once you open a new checking account and set up and receive direct deposit totaling {$4000.00} in the first 90 days. '' After reaching the branch I met with a banking personnel ( XXXX ), I showed this coupon to him which he said the bank will honor this coupon he also took the buy in from his supervisor ( XXXX ). After this I opened the bank account and set up the direct deposit which totaled beyond {$4000.00}. After this I visited the bank 2-3 times and the same guy told me that I need to wait for 90 days. After 90 days when I again visited the bank ( date : XX/XX/2016 ) XXXX called his marketing team and told me that it will take another 60 days but I was not convinced as I thought he is just buying some time but when I argued then he and his manager told me that they will open a case in their system and I will get my {$300.00} promotion in 30 days. The case ID is XXXX. After 3-4 days I got another phone from BOA case department and they told me that they will not be honoring that coupon as that was an internet generic offer. I tired explaining them that I already said the same thing in the initial time of opening the account and that time your guys promised me that they will honor it and after 4 months you are declining it. She kept on apologizing as their banking officials gave false promises but refused to honor this and told me to check with branch officials and closed my case. I completely felt cheated as I did n't conceal anything and told everything before clearly.
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

2016-12-07

Cheverly, MD

Applied for loan/did not receive money

Consumer Loan: Pawn loan

Complaint: Bank of America suspended my wife and I use of my home equity line of credit effective XXXX XXXX, XXXX. I received this notice through the mail on XXXX XXXX. BOA said this suspension was based upon the decreased equity available in my home. I called up BOA and said they have never been to my home and this was based upon a formula. I asked for the formula and was declined this information. I live in XXXX XXXX Maryland where the home values have increased and not decreased since the home equity loan I took out in XXXX XXXX, XXXX. Since then I have made substantial improvements on my home. Since opening the home equity loan both my wife and my credit scores have also increased, although this was not in contention. I also paid a significant portion of my load down in the pst few months. It is my contention that they are doing this without due process., without due diligence and are artificially devaluing my home without the correct information needed. In the same XXXX XXXX notice, they make it incumbent upon me and my wife to bear the burden of proof that my home value has not decrease and request a reinstatement. This is insulting and just plain wrong. I believe I have suffered injury as my family 's credit has been significantly altered by this outrageous, unthoughtful decision. This is also a defacto breech of the Deed of Trust that BOA agreed to ( see page XXXX - Assignment of Miscellaneous Proceeds : Forfeiture. ) as BOA has failed to prove loss in value of my property and requires me to.
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: Yes Timely Response

2016-12-07

Nyc, NY

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: Could n't be more disappointed and angered by Bank of America 's home loan department, specifically XXXX, XXXX ID : XXXX, and his manager XXXX XXXX, XXXX ID : XXXX, at the XXXX location in XXXX. We 've been a Bank of America preferred customer for decades and have excellent credit. We met with XXXX in XX/XX/2016 for a very low risk, low loan to value refinance on our vacation home in Delaware. We explained to XXXX that we rented our home in the summer and spent time there in the off season. We also said we were shopping rates, as low rates were plentiful at the time. He offered us a lock on a 2.75 % interest rate with credit toward closing costs in order to keep our business. We agreed and provided all the required documents. Months passed, the general election happened, and the financial environment turned as rates climbed higher. We were relieved that we had a lock but concerned that a simple refinance was taking so long, so we followed up several times with no response. Finally we received a return call in XX/XX/XXXX with news that the bank had a " counteroffer '' for us. It was XXXX bps higher with thousands in additional closing costs. When we said no, there must be a mistake, we have a lock offer, we were told the bank 's guidelines classified our home as an investment property not as a second home, and so they rated it higher. Had we been told this in XX/XX/XXXX, when rates were low and lenders were hungry, we would 've gone to another lender we had identified whose guidelines accepted our property as a second home. We did not make that choice at the time because we felt there was value in remaining a preferred customer at Bank of America. Our attempts to discuss this with XXXX were met with arrogance and denial. XXXX ' manager, listened with false sympathy, promised to review our case, consider the idea of credit by discount loan points, and get back to us. Again time passed, and when we finally got a response, we were basically told to pound sand and if we wanted to accept their higher offer, it would now cost us even more because of the time that had passed while we were waiting for XXXX promised call. Such disregard and disrespect for customers is causing us to move all of our accounts out of Bank of America and encouraging others to do the same.
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

2016-12-07

Burlingame, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I filed a complaint to Bank of America ( " BofA '' ) on XXXX XXXX, 2016. The file number is XXXX. BofA did n't address my issue and provided me a terrible service for my basic request which I did n't mentioned in the last complaint. BofA denied providing me the phone service and the document which can show me my money transfer to which phone number in the mobile transfer. Since the phone number was the most important and only information they use in the mobile transfer, they should provide me the transfer record with the phone number. I think BofA deprived my consumer rights. I was denied the phone service by BofA since XXXX XXXX, 2016. I went to the financial center according to the requirement of BofA immediately on XXXX XXXX, 2016. The representative of the financial center assisted me to call the phone banking using her staff code ; she reported to the phone banking that she had verified my personal documents and then she passed the phone to me. The location of the financial center which I visited on XXXX XXXX, 2016 is XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX XXXX, 2016, when I contacted the BofA phone banking, I was informed that I had to go to the financial center and provided my personal documents to be verified. I told them I have done what they requested on XXXX XXXX, 2016. They had the record that I had visited the financial center, but they did n't know why I still have the alert of phone service. I asked them to check with the representative of the financial center who had verified my personal documents, but they denied it. On XXXX XXXX, 2016, I went to the financial center and provided my personal documents to the representative again, the representative did the same thing, reported to the phone banking that my personal documents had been verified and passed the phone to me. I asked BofA to provide me a document which can show the mistaken mobile transfer details with the recipient 's phone number. The representative of the BofA phone banking told me that they ca n't provide me the document because of their technical issue. She suggested me to find the information in the bank statement or the online banking. But both of them just can show me the recipient 's name without phone number in the transaction details. Since it was a mobile fund transfer, the phone number was the most important and only information they use, they should provide me the transfer record which can show the recipient 's phone number. I asked her to report this issue to her supervisor or upper level and call me back. She said BofA would respond to me within 24 hours. And at the end of the conversation, I double confirmed with the representative of BofA phone banking that my further phone service can be used and do n't have to go to financial center to provide my personal documents again. The financial center location which I visited on XXXX XXXX, 2016 is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. On XXXX XXXX, 2016, it has been over 3 days, but no one from BofA contacted me about the mobile transfer details issue. I called them back, but unfortunately, I was told that my phone service was still denied and I have to go to the financial center to provide my personal documents for further assist. I required them to communicate with the representative of the financial center and the representative of BofA phone banking who assisted me on XXXX XXXX, 2016 to verify that I have provided my personal documents. But BofA said they ca n't provide me any phone service unless I go to the financial center and provide my personal documents. I have done what BofA requested twice, they should communicate with each other to fix this problem, not always asked their customer to redo the same thing again and again.
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

2016-12-07

Jacksonville, FL

Making/receiving payments, sending money

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

2016-12-07

CA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Bank of America has discontinued my ability to make principal loan reductions to my mortgage account online. And you can not make payments to tellers either. Since the Bank set up this new system where all payments are first applied to interest and any remainder is applied to principal. This is WRONG and should not be allowed. I should be able to make principal reductions at any time during the month without it being applied to accured interest instead. This IS ILLEGAL
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

2016-12-07

FL

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Our Mortgage is a modified loan through Bank of America. We have already live the nightmare of almost losing our home because Bank of America had our loan being serviced by XXXX. We saved our home thanks to you ( CFPB ) and all the paperwork I was able to supply my complaint against their failure to follow through with modification process and improper handling of our records. ONCE AGAIN Bank of America is transferring our loan servicing to XXXX. A company that has a 98 % negative review, not customer friendly, a company from XXXX and is n't even a XXXX. How can Bank of America continue to work with a company that has this kind of reputation? Please I feel that based on my history with Bank of America that they could and should keep servicing my loan or at least that they find a better servicing company that carries a better reputation and isnt a company just waiting to complicate a family 's mortgage records so that they can start charging fees upon fees and then create a crisis as to make a homeowner default and they make their money off the top for every home they foreclose on. I want nothing to do with XXXX. We saved our home, we worked very hard, lost sleep, got sick and hospitalized because of all the misplaced paperwork and stress XXXX caused us. Please review the documents I am uploading and I beg that you see how you can assist us with remaining with BOA as our servicer or find us some other reputable servicer that isnt XXXX.
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

2016-12-07

WA

Loan servicing, payments, escrow account

Mortgage: FHA mortgage

Complaint: I am selling my home. Bank of America holds the note. When I requested a payoff there was a miscellaneous fee totaling {$1700.00} attached to my payoff. This fee was not a pending mortgage payment or any type of lien, past due bill, tax or outstanding cost associated with the property. It is a fee that they could not explain and the person on the phone even described as strange. When the call was made to Bank of America mortgage division they could not explain what this cost was or had any documents to support how it came about. I have a pending closing that will be hampered by this. They would not escalate the issue for a faster turn around and said it would be 10 days to respond with a letter which would be after closing. Bank of America is demanding the additional {$1700.00} which is not even part of my original deed and has nothing documented that it is valid cost associated with my 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

2016-12-07

Rncho Domingz, CA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: About 3 weeks ago i posted an art piece i painted on the app offer up. I was asking {$350.00}. I received a message from a buyer saying they wanted to buy the item. We then started emailing back and forth. Via XXXX he sent me a check for the amount of {$1500.00}. Clearly i though it was a mistake but no, the buyer instructed me to deduct XXXX for my cost + XXXX for running around for this transaction XXXX for holding the item. i then went to my bank to deposit the check via drive through bank teller. {$300.00} was available right away so i waited for the following day for the full amount of the check to post. When the next day came i seen that i had the full amount of the check available in my account, i believed that meant the check had cleared ... this is where i be leave I 'm not fully responsible for my bank to charge me. The buyer instructed me to send via XXXX a money transfer to the mover who was to pick up the item. So i went to XXXX and did so using my debit card i made a transfer of {$1000.00} ... i thought this guy must be way out of state. I do have receipts and all documentation of this transaction. So i thought all was well, i waited for the movers to come for the item but they never did.., the buyer then contacted me saying the movers wanted more money to pick up the item because of other pickups they had already done for him so he said he will send me another check and to do the same thing. I then became suspicious ... the following morning i seen i had a negative balance on my bank account. Of over XXXX dollars ... this is when my walls caved in ... i could n't believe it ... the bank told me it was a fraudulent check ... right away i went to my local bank to explain the situation but they said it was my fault and I 'm responsible for that charge ... there was nothing they can do ... i do n't have XXXX dollars lying around ... ... i do n't understand how i was able to make a XXXX dollar transfer using my debit card if the bank had not yet cleared the check ... or why would the full amount of the check show posted on my available balance if it really was n't ... of course at this point the buyer stopped responding to me ... but he still had the audacity to send me XXXX more checks ... i feel the bank is at least XXXX percent at fault ... The only reason why i made the transfer was because i saw the full amount of the check available the day after i deposited ... to me that meant the check was cleared and that 's why i was able to make the money transfer. So now my bank is charging me the full amount ... looking back i wish i would have not given any type of trust to this buyer, i was just so happy i had sold my first art piece. I want to get this resolve and i am working with my bank on a payment plan to resolve this issue. I still think it 's unfair and would like the bank to take some kind of consideration that i was a victim of a mess up scam and not treat me like if I 'm a criminal ...
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

2016-12-07

Hampton, VA

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: A deposit for the amount of {$2300.00} was sent to my account XXXX during the XXXX. That evening I wrote a check in the amount of {$300.00}. The following morning I received a NSF notice. It showed the {$300.00} had been paid, but the fee was charged because of " posting sequence '' I call and spoke with customer service and was told the fee would not be returned. While on the phone on the representative I noticed the {$300.00} was credit back to my account. I ask to speak with a supervisor and he stated that " they tried to pay the {$300.00}, but were unable to ''. So, now I really confused. I do not if BOA actions are illegal, but they are definitely unethical.
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

2016-12-07

Phoenix, AZ

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Some months ago I took my mom to a B of A to cash in some Series XXXX. The time before this, we were told we were allowed to cash in XXXX bonds at a time. We went to the B of A today at XXXX XXXX XXXX XXXXXXXX, Az XXXX with XXXX bonds to cash and the Manager told us he would only cash in XXXX for us. Your policy states : Can I redeem a Federal Savings Bond at a Bank of America financial center? Yes. The savings bond must be older than 12 months and the person redeeming the savings bond must be the owner or the co-owner. Please note that if you do n't have a checking or savings account, or have had XXXX for less than months, you 're limited to redeeming a maximum of {$1000.00} per day. The managers name was XXXX XXXX and he was very rude and as we told him that we were told his branch and another that we were allowed to cash up to XXXX bonds per day, he was saying that he NEVER said that. He would n't even listen. Then they said they only had XXXX cashier and they did n't have the time. I 'm sorry, but we are the customers and we should be able to go into the bank and do the business that we want to do. Tell them to have more then XXXX cashier. By the time it took for him to decide they would n't help us, he could 've helped us. Later, he was just standing outside the bank jabbering with the security guard. GREAT MANAGER! We have a lot of money in your bank and have had problems before with this branch. It is the closest to our home and have had our accounts with this branch for years. We are now rethinking banks. What a shame that you would allow a Manager to treat their customers in this way.
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