BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-03

Westchester, IL

Settlement process and costs

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX HUD-1 Settlement Statement, which I had received at the Closing on the evening of XX/XX/XXXX, at the Law Offices at XXXX, IL XXXX, under Attorney-Client Privilege, from XXXX, IL XXXX. I need Bank of America to return that original HUD-1 to me. Sincerely, XXXX, IL 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

2016-12-03

Redlands, 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 monetary relief

Disputed: No Timely Response

2016-12-02

Northridge, CA

Loan modification,collection,foreclosure

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 monetary relief

Disputed: Yes Timely Response

2016-12-02

Wilmington, DE

Other fee

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

2016-12-02

Wilmington, DE

Other fee

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

2016-12-02

Lewisville, TX

Making/receiving payments, sending money

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

2016-12-02

Finksburg, MD

Other

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

2016-12-02

Heber Springs, 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 monetary relief

Disputed: No Timely Response

2016-12-02

Nashville, TN

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: Yes Timely Response

2016-12-02

San Gabriel, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: My account # XXXX at Bofa was charged a NSF fee on XXXX/XXXX/2016 for {$35.00} when I noticed on the account activity a merchant deposit being made the same day so I am not sure why the account was charged this fee. I believe there were enough funds in transit that should have been sufficient enough to take care of this fee. The Bank charged this fee unjustly in spite of the fact that the merchant services account is also with Bofa with daily deposits..
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

2016-12-02

ID

Billing disputes

Credit card:

Complaint: My sister in law was homeless and broke, owed $ 700+ to a XXXX. My wife decided to get her stuff out of storage and negotiated with the XXXX to pay {$100.00} to get the stuff out and settle all accounts. My wife put the {$100.00} charge on our Bank of America credit card They loaded up a pickup load of stuff and moved out. When we got our credit card bill there was an additional charge of {$400.00} on the card, made 3 days later, without our approval. We protested the charge to the credit card company, telling them that we authorized the {$100.00} charge but did not authorize the additional {$400.00}. They eventually told us that the charges were valid because we had given the XXXX place our card number and a family member was involved. We told them that we had in good faith authorized the first charge, but not the second and that they should back us up. I also told them that by that logic if I bought a {$20.00} clock from Target on Monday, that they could then charge a {$200.00} item to me several days later. They will not do anything to correct this.
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

2016-12-02

Savannah, GA

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

2016-12-02

Torrance, CA

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I applied for a loan modification. Bank of America sent me a letter dated XX/XX/2016, approving a loan modification. The modified payment amount is {$2200.00}. Please see attached letter. I mailed the first trial payment of {$2200.00} to Bank of America, N.A., Payment Processing, XXXX. XXXX XXXX, XXXX, TX XXXX. Bank of America received the first trial payment amount before the due date of XX/XX/2016. Bank of America sent me a letter dated XX/XX/2016, which stated that my first trial payment of {$2200.00} was not being applied and was being held " in an unapplied funds account. '' Please see attached letter.
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

2016-12-02

Los Angeles, 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

2016-12-02

Ft Lauderdale, FL

Loan modification,collection,foreclosure

Mortgage: Conventional fixed mortgage

Complaint: I am in a bit of a quagmire as I would describe it. My wife an I lost our jobs in XX/XX/XXXX and XX/XX/XXXX respectively. She has since started working while I had to stay home and take care of my mother who just passed in XX/XX/XXXX from XXXX. The mortgage fell behind, and the bank has filed foreclosure. I am trying to work with them. However, they are being very dishonest, and deliberately misleading. I explained to my account manager from bank of America that I was taking my mother XXXX back to the XXXX as she had requested. However, I would be willing to miss my mother 's funeral in order to bring my mortgage current. I asked what did I need to do to make my mortgage current. I was told that I needed to pay the past due along with all fees which would include the attorney 's fees. My account manager explained that she could not give me an exact amount nor an estimate because the attorney 's fees had not yet been calculated. She recommended the I should apply for a modification while I waited for the fees to be calculated. She also informed me that based on the fact that I have had XXXX previous modifications with in the last five years that I would not qualify. She recommended doing a reinstatement. she explained that I would be required to pay half of the past due amount, while making the other half over the next six months along with the regular payments. I agreed. My account manager explained that income documentation would be required in order to make sure that I would be able to afford the payments for the six months. I told her that I would have to call back based on the information that she wanted. I made several attempts to reach my account manager to complete the request but was unsuccessful. I carried my mother XXXX home and upon my immediate return I contacted the bank. I explained to the representative that picked up that I was trying to reach my account manager and was unsuccessful and that I was an urgent matter. he reviewed the file and said that he would be able to collect the information on her behalf. I submitted the information and was told that she would follow up with me shortly. After about a week I received a letter stating that a box on the XXXX was not checked so I need to resubmit the XXXX. I did so immediately and submitted it on the bank portal. I followed up with bank and was told the modification was still in process. I was very surprised because it was suppose to be a reinstatement not a modification, and I was told that the reinstatement would be a quick turn around. I called my account manager repeatedly until eventually I reached her. I explained my concerns at which time she told me that was done in error. she said that I should make it go through and see what happens. once again I explained my desire to make this current immediately because I was very concerned about all the mails that I was getting from different attorneys. I again asked how much was it to bring the mortgage current. She said that she would have to submit a request which I should receive with in 30 days. She said that nothing would happen as long as there is a modification in process. Last night at XXXX I answered the door only to be served with a summons. I called the bank today to reach my account manager to find out what was going on. She was out to lunch. I was greeted by an individual who thought was a joke. I was told by him that it was my responsibility to bring my mortgage current. I explained that I have been trying to do so for some time now, but I could never get the amount need to do so. I asked him if he knew what that amount was, to which he replied no, and that he would have to submit a request. I asked him to do so. He then said that he was unable to because one was submitted already. All I have been trying to do is make my mortgage current.
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

2016-12-02

Federal Way, WA

Application, originator, mortgage broker

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: We obtained pre-approval letter through Bank of American ( ( XXXX ) in this XXXX then started house shopping. In XX/XX/2016 our offer got accepted and we started to get our loan processed in next day, our loan officer gathered all the items needed, ordered appraisal then submitted our loan to their underwriting in CA ... ... We did not get a loan decision by XXXX/XXXX/16 which was the closing date. The selling agent contacted the loan officer for an update. However, there was no firm answer from Bank of America. Seller listed the house for sale next day ( XX/XX/2016 ) and kept our earnest money. Seller 's lawyer contacted our agent and let us know that seller was entitle to keep all earnest money since we did not meet the closing date. We also hired a real estate lawyer to fight. Keep long story short, it took over 2 months get this case settled. We only got a potation of our earnest money refund. Bank of American also issued a denial letter to us for a wrong reason, then requested a revised one ... back & forth. It has been a very unpleasant experience to deal with Bank of America.
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

2016-12-02

CA

Making/receiving payments, sending money

Bank account or service: Other bank product/service

Complaint: I accidentally made an online transfer in the amount of {$500.00} via Bank of America online to an account which I thought it 's my wife 's on XX/XX/XXXX. I found out the problem next morning and called BOA right away. But BOA claims they were unsuccessful at contacting the recipient and refused to take further action. My wife and I have a joint account with BOA, but for some reason, my wife can not access the joint account online, hence I can not do a self transfer to the joint account. My wife reported this online account access issue to BOA several times in the past but that never got resolved. Because of that, I had to transfer fund to my wife 's own account every time I need to send money to her.
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

2016-12-02

Tarzana, CA

Account opening, closing, or management

Bank account or service: Checking account

Complaint: We received a letter out of the blue stating that Bank of America was closing down our accounts. The letter did not give a reason, but stated that it is their choice at any time to discontinue doing business with us, just like we can discontinue doing business with them. For more than 30 plus years we have done our banking business through Bank of America. We have a car loan, XXXX mortgages ( XXXX per home ), personal savings including our children 's savings account, XXXX business accounts including a lotto account for our XXXX business. Our personal bank was shocked. This decision was based by someone that would NOT give us an answer because they say they do n't have too. We have been told to refinance our mortgages, loans, etc., and close out our accounts. How can someone do this to their customers of long standing? Is this discrimination because my husband has sent money to his family in XXXX and XXXX? This is causing great stress and we would like an answer. This is n't fair. This is n't right. Please help us find an answer. 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

2016-12-02

Milwaukee, WI

Closing/Cancelling account

Credit card:

Complaint: I closed my account with Bank of America Master Card in the summer of 2015. However I just received a statement from BoA with a new charge to my account. I contacted BoA with a request to truly close my account and reject all charges coming into this account after it was closed -- - because I am not a BoA customer anymore, and BoA is not my service provider anymore. IN my view, BoA can not transact business on my behalf -- - because we have no commercial relationship anymore. However BoA representatives declined providing an assurance to me that they will indeed close my account to new charges. I am seeking CFPB 's help in having BoA truly closing 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: Yes Timely Response

2016-12-02

Oak Grove, MO

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: I had a bank account with Bank of America I made a mistake and deposited a check I wrote out into my own account instead of my partners account I expected to receive a check from a job I did the day after and I ended up going to jail on traffic code violations so I didnt have the opportunity to deposit the money into the account when I came out of jail and I realized my account had been closed I looked for any letter pertaining to this matter and didnt find anything I called BOA and they didnt give me any info they stated that It was fraudelant and treated me horrible over the phone now I tried to open a bank account at a different financial institution-bank and I was denied because of the words used as FRAUD I never commited any fraud I do not have any sort of criminal records I work for the US DEPARTMENT OF LABOR and I have even passed the usa back ground check similiar to the military back ground check so please help me get this matter resolved I am willing to pay boa but I want the XXXX removed
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

2016-12-02

Brooklyn, NY

Deposits and withdrawals

Bank account or service: Checking account

Complaint: My bank account was fraud by someone I do not know and the bank took the remaining of my money to cover the balance of the fraud account I reported my card stolen and the Bank closed my account for good
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

2016-12-02

Seligman, AZ

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: I am XXXX, XXXX, XXXX in Operating Room. I have been employed at XXXX since XXXX. I 'm a native of Arizona and moved to XXXX AZ in XXXX. I have been a XXXX for 23 years. In XX/XX/XXXX, XXXX ( my husband at the time ) and I applied to re-finance our current sub-prime home loan for our property located at XXXX, AZ XXXX. During the re-finance process, we were told by XXXX Mortgage that they would n't be able to approve the loan with my name on it, due to the decrease in my income over the previous year. ( I was on XXXX ). The loan was approved from Countrywide/Bank of America via XXXX Mortgage in XX/XX/XXXX. XXXX was the only name on the loan and note. XXXX and XXXX were both on Deed of Trust. There was no a disclaimer deed. I originally purchased this property in XX/XX/XXXX, as my sole and separate property. XXXX and XXXX were married XX/XX/XXXX and divorced XX/XX/XXXX. Divorce settlement awarded XXXX home and debt to XXXX. I took Divorce Decree to Bank of America and later to XXXX Mortgage to assume the loan or to have my name added to the loan. Bank of America and XXXX Mortgage would not discuss the loan with me and said that my name was not on the loan and my request was not possible. I was making payments on the mortgage during this time period while I was actively seeking assumption of XXXX 's loan, due to the property being under water {$75000.00}. I contacted HARP, they were unable to assist me because I was n't on the loan. I was unable to remedy or even discuss the loan, yet I received all the penalties as if I was on the loan. On numerous occasions I sought XXXX 's assistance with adding my name to his loan. Due to communication break-down, XXXX allowed the home to be foreclosed XX/XX/XXXX. The Property was sold by the Trustee at Public Auction on XX/XX/XXXX to the highest bidder, XXXX for {$140000.00} I obtained a pre-approved loan with an interest rate not to exceed 3.25 % from Az XXXX in preparation to purchase aforementioned property. While wainting to purchase the property, I fought for the right to rent the property and paid rent to XXXX monthly and on time. I also fought to be qualified to purchase the property. After the required wait time, I made a full price offer of {$160000.00} to purchase property from XXXX ; and they accepted. During escrow on XX/XX/XXXX Az XXXX rescinded approval due to the previous loan foreclosure of XXXX. Due to the imminent closing date, I was forced to explore alternate financing. I found a private lender with conditions : XXXX to put {$35000.00} down, Max Term of 2 year loan ... 1st year 8 % interest and 2nd year 9 % interest. Utilizing XXXX as originator for private lender XXXX. I purchased the property. To satisfy the loan condition of {$35000.00} down, I was forced to take {$35000.00} out of my 401k retirement account. The 2 Yr Loan was becoming due and payable in XX/XX/XXXX. So, in XX/XX/XXXX, I attempted to obtain a refinance loan for balance of mortgage owed. I applied for a refinance mortgage loan through XXXX, which was declined. XXXX reported that the decline was due to information obtained from XXXX County Recorder 's Office naming XXXX on notice of foreclosure and trustee sale. Conclusion : Application made to Country Bank for mortgage refinance. Country Bank was able to offer conventional 3 % interest mortgage loan, once they determined that I was n't responsible for the XXXX loan foreclosure. I am seeking the opportunity to recover a small portion of the damages.
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

2016-12-02

Denver, CO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: Bank of America set up an unauthorized automatic payment from my credit union checking account when I explicitly asked them not to. They then withdrew funds from my account after I had already paid my mortgage, causing my account to be overdrawn. I accessed penalties from my other financial institution and will now have to pay interest and overdraft fees. This is a result of money being taken out of overdraft proctection account to cover the errorenous charges.
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

2016-12-02

Avondale-goodyear, AZ

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

2016-12-02

Menifee, 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: No Timely Response