BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-07

Asheville, NC

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: I hve filed a dispute regarding this HELOC, XXXX mortgage XXXX in the past 30 days. It is still unresolved. BOA had a HELOC on property I sold in XX/XX/2015. According to the closing agent who recently contacted me, a lien was never placed on the property by BOA. Thus when the property was sold, no lien came forward and was not paid. This is the letter frm the closing agent/ attny : " I have received your letter regarding a Bank of American XXXX XXXX I have also reviewed our file. The XXXX courthouse does not reflect a recorded security deed for a HELOC from Bank of America on this property. Our title search went back 50 years and I updated it yesterday to confirm that there is no record of this HELOC. I have left a message for XXXX to further discuss the matter XXXX, XXXX XXXX, Georgia XXXX Telephone XXXX Fax 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

Foothill Ranch, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I signed up for a free checking program with Bank of America. At the time I set up my account, the checking program was completely free and the only requirement was to set up an automatic transfer into savings of at least {$25.00} XXXX time per month. In XXXX of 2012, when I attempted to log-in to my online account a page was presented by BofA asking me to verify my personal information such as name, address, DOB, SSN, Driver 's License #, etc. I was uncomfortable providing the information, so I called the customer service phone number on the back of my ATM card. The agent I spoke with at BofA told me to go ahead and complete the information. She explained to me that from time-to-time they require updates to account information. So I did. A few days later, I was contacted by B of A because they were aware my account was compromised - a potential fraud event is what they said. They said I needed to close down my accounts and set up new accounts, new checks, new ATM card, etc. So I did this. At that time, I was told by B of A that they no longer had a free checking program available and I would be required to pay for my service. I spoke with someone who was an Executive Assistant to some VP at the company and she said she would waive the fee 's to ensure I was able to still keep my free checking program. Now, years later, I got billed in XXXX for account fees of {$12.00}. I called B of A and explained what had happened and the agent I was speaking with could not assist so I asked to have a message sent to someone to escalate my complaint. I got a phone call today from someone who told me they could waive my fee for 2 months, but then I would be required to pay the fees monthly. At this time, I am suspicious of the 'fraud ' event that B of A knew about. I 'm not sure how they would know I had put all the information in my computer if they had not set this up themselves to generate a false fraud event so they could close out my free checking account and put me into a paid account. But even if the breach of my data is legitimate, I signed up for a free checking program and due to the incorrect information I was provided by the B of A phone agent, I was put in a position that caused me to lose my free checking program and I do not believe this is fair to me, the consumer. I should be grandfathered in ( indefinitely ) to the free checking program I originally enrolled in which had no restrictions and no expiration date.
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

Brookside, NJ

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

VA

Transaction issue

Credit card:

Complaint: I made a {$210.00} dollar payment to my credit card in XXXX BOA didnt include as a Payment and I was charged a 30 day late ( no notification ). I was n't notified, nor was there any indication that my payment did n't go through. I am also signed up for paperless billing ( have been since it 's been available ). Since that did n't go through, my past due wasnt applied and now they have dinged me for a XXXX 30 day late. The only way I have found out was with a call. When I tried to resolve the issue Customer Support was extremely rude and wouldnt let me speak with a manager since " he wont tell you any different, he told me to tell you that ''. He said the call was recorded so if you listen to it you can hear how horrible they were. The managers name, who would n't speak to me is XXXX XXXX. I work for a mortgage company and have for the past 10 years, the way they handled this is more than unfair and I am seeking out an attorney just for the simple fact that they should be allowed to treat people like this. They have already been charged with unfair billing practices before.
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

2016-12-07

Northside, NC

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: To Whom It May Concern, XXXX of 2016 I changed home owners insurance from XXXX XXXX to XXXX for a lower premium. Since this time there has been a nightmare of many errors from Bank of America to my mortgage account because someone initially assumed the insurance was to be paid quarterly instead of annually. Because of this error I first received information from Bank of America stating that I did not have homeowners insurance. I called them and was told from Bank of America that they did not receive a declaration page from XXXX, and that they only received the binder, and that the binder did not clarify if the payment should be quarterly or annually. However, I was e-mailed a copy of the declaration page and the binder from XXXX when I changed my home owners insurance with them. I then contacted XXXX and they sent another declaration page to Bank of America. In XXXX I received another statement from Bank of America stating that my XXXX payment was going to change from {$990.00} to {$1300.00}. When I again called in XXXX to find out why, I was told that the {$1300.00} was an error, that I did not have to pay {$1300.00}, that my XXXX payment would be {$990.00}, and a new XXXX payment would be {$970.00}, and that because of the errors from Bank of America, that I would receive a check for {$380.00}. Thinking that this was strange, I questioned the representative several times about this money that she claimed was free and clear. Thinking again that all was well, I sent over my payment via wire transfer for {$990.00}, and after cashing the check from Bank of America for {$380.00}, I found out that my checking account was {$340.00} OVERDRAWN. This horrified me because this checking account is only used to wire transfer my monthly mortgage payment which is withdrawn from the mortgage department on the XXXX and the XXXX of the month. Again I contacted the bank who told me that an analysis was done on my account because of the initial mistake of the quarterly vs the annual payment of someone sending over to XXXX since they originally thought that the account was paid quarterly. I was also told that the {$380.00} was sent back from XXXX, and this was the extra money that I was told twice that belonged to me free and clear. Again I contacted Bank of America only to find out that they were standing behind all of these errors, and blaming me for cashing the free and clear check of {$380.00} that was sent to me, and the reason for the checking account shortage was because I owed the {$1300.00} for XXXX payment which ( Which I was told that I did not owe ) caused an overdraft of {$340.00} in my checking account when I sent in XXXX 's payment of {$990.00}. They paid the difference of the {$1300.00} and they charged me thus creating overdraft fees. Now I am stuck trying to pay the overdraft of {$340.00} before I am charged another {$35.00} overdrawn fee, and have to also pay my mortgage on time. I receive XXXX income of {$1400.00} monthly which is my only income. What has been done to me is a shame and I am appealing to you for help. Until I changed homeowners insurance, there was never a problem with my mortgage. I have paid my mortgage payments on time for eight years. I want Bank of America to take back the overdraft which they caused of {$340.00}, as well as all of the overdraft fees! I want to be treated fairly because this is not fair. I should not have to pay for their mistakes. This stress has affected my health!! Please look into this matter and help my situation. Thank You, XXXX XXXX XXXX
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

South Florida, FL

Account opening, closing, or management

Bank account or service: Cashing a check without an account

Complaint: When I bought my house 10 years ago, I opened a line of credit that I never used. In XX/XX/XXXX I try to use that credit line and was told the account was going to be expire and close on XX/XX/XXXX. Now the bank is charging {$510.00} for XXXX XXXX. Another bank is holding the mortgage on the property and since it was a lapse of time between the transition of changing insurance company the bank assigned a flood insurance which was canceled after I sent them proof of insurance and was not charged for it. Bank of America on the other hand is charging me on a closed account a temporary flood insurance an extremely large amount of {$510.00} for 2 months service. This is very abusive since the 12 months of flood insurance cost 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

2016-12-06

Lake La, CA

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

2016-12-06

Portland, OR

Cont'd attempts collect debt not owed

Debt collection: Credit card

Debt is not mine
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

2016-12-06

N Bethesda, MD

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 explanation

Disputed: No Timely Response

2016-12-06

N Falls, NY

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 explanation

Disputed: No Timely Response

2016-12-06

Phoenix, AZ

Delinquent account

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

2016-12-06

Stkn, 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

Disputed: Yes Timely Response

2016-12-06

Bel Nor, MO

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

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

Disputed: No Timely Response

2016-12-06

Vallejo, CA

Taking out 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

2016-12-06

Douglasville, 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 explanation

Disputed: No Timely Response

2016-12-06

Arvada, CO

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 non-monetary relief

Disputed: Yes Timely Response

2016-12-06

Gaithersburg, MD

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 non-monetary relief

Disputed: No Timely Response

2016-12-06

Atlantis, FL

Deposits and withdrawals

Bank account or service: Checking account

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

Disputed: No Timely Response

2016-12-06

Atl, GA

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 monetary relief

Disputed: No Timely Response

2016-12-06

Glendale, 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

Disputed: Yes Timely Response

2016-12-06

Lynwood, 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 monetary relief

Disputed: No Timely Response

2016-12-06

New Port Richey, 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

2016-12-06

Hicksville, 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 explanation

Disputed: No Timely Response

2016-12-06

Austin, TX

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

2016-12-06

Hinkley, 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

Disputed: Yes Timely Response