BANK OF AMERICA, NATIONAL ASSOCIATION

2016-12-02

Echo Lake, IL

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

2016-12-02

East Windsor, NJ

Account opening, closing, or management

Bank account or service: Checking account

Complaint: I went to open an account & get a cash advance with BOA on XX/XX/2016 in XXXX XXXX, NJ. Everything seemed ok & I was provided with a new temporary check card. I have $ XXXX in a XXXX account along with a credit card so I was entitled to gold preferred checking. I went to use the acct. yesterday & could n't. I made a call and found out that it was closed & I need to go in to get a cashier 's check for the {$1500.00} sitting there. I went to BOA in XXXX, NJ XX/XX/2016 @ XXXX & did n't leave XXXX XXXX cuz no one wanted to listen so I could explain. XXXX I sat with XXXX ( sp? ) & she looked at the acct & sent me to the teller. She mentioned that it was pending closing but that my card was shut down. The teller XXXX was extremely nasty & wanted to pass me back off immediately to sit back with XXXX ( sp? ) because she made me input my card & pin # which would n't work cuz the acct was closed which I tried to explain to her. She said " well how are you entitled to the funds ''? She would n't let me explain & told me they have to phone the call ctr. I was on hold in XXXX 's office for over XXXX minutes & finally someone answered the XXXX & told her exactly what I said & she brought me back over to the teller line which I stood in for another XXXX minutes because the woman mgr. decided to take the woman behind me in line to help with obtaining checks while the teller was bz with other people. So, I had to wait for the XXXX to come back over to walk XXXX the teller thru the process for to now get the $ $ that I XXXX came in for. XXXX asked me if I had my driver 's license which I provided to her over XXXX minutes prior as if she did n't remember. Meanwhile, the customer service people I spoke to the night XXXX could n't give me any info for while they closed the account and I felt like I was a criminal. I know I had all of the credentials necessary that qualified me for the gold preferred checking. So, I was given XXXX addresses to contact for further info regarding the acct. Office of the XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX XXXX BOA, XXXX, XXXX XXXX XXXX, XXXX, FL, XXXX and I was to reference the account #. Getting back to my experience in BOA in XXXX, NJ. I never got an apology from anyone of them I spoke with XXXX XXXX people ) for not fully understanding the matter at hand for a quicker resolution ; nor did the XXXX seem to mind that I was waiting for over XXXX minutes because her employees did n't understand my dilemma and yet she had me wait additional time for her to take another customer ahead of me. I was appalled & disappointed with the complete process.
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

IL

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I recently ( on XX/XX/XXXX ) opened a new checking account with Bank of America ( " BofA '' ). I 've had a mortgage with them since XXXX and they offered an incentive of {$200.00} if a new account was opened and the mortgage paid with funds from it by XX/XX/XXXX. At the end of XXXX, I received 3 personal checks ( totaling {$4400.00} ) in connection with a new tenancy for a rental property. I deposited those checks into the BofA checking account on Monday, XX/XX/XXXX, and the receipt indicated that the funds would be available on 11/30/2016 at XXXX On XX/XX/XXXX when I noted that the funds remained on hold, I called then personally visited BofA where I opened the account ( no answer to 2 telephone calls ), and was told that the funds would be held until XX/XX/XXXX at XXXX. ( not sure of the hour, but I recall it was morning and not end of day ). There was a claim that this was " a new pattern '' with my account and there was no confirmation that the bank would pay the checks. At the time, I showed the BofA representative ( XXXX ) a screenshot showing that the 3 checks had been honored from my tenant 's account on XX/XX/XXXX and that there was more than ample money in the account to cover the checks ( 14,000+ ). My issue is that BofA not only had already been paid on the checks and was claiming there was some " risk '' to justify continuing to hold my funds, as well as claiming no relationship with me after having had a pristiine mortgage relationship with me since XX/XX/XXXX. I noted to the BofA representative that this kind of action on the part of big banks is why I will take steps in the future to move my money out of BofA and not do business with them in the future if I can help it. I believe their continued hold on MY MONEY is an unacceptable action, and I wish to notify CFPB and receive an appropriate remedy.
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

Eton, GA

Billing disputes

Credit card:

Complaint: This is for Bank of America credit card. The dispute case ID is XXXX. On XX/XX/2016, I purchased a {$400.00} XXXX gift card on XXXX using the credit card. Upon receiving the the mail, it was just a piece of paper with numbers in it. I tried to use it in the store, it was showing {$0.00} balance. I was scam by the seller. I dispute the charge with the credit card company. It came back few months later denied the dispute. I want to appeal the dispute, however they refuse. They said I need to have XXXX to have a statement showing where and how the gift cards were used. XXXX will not give that information out. Only the seller who if he/she have the receipts for the gift card can have that information. I do not have that information as I am the buyer. Bank of America does n't care. They would n't do anything. Bad company! This need to be adjust!
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

Mabank, TX

Billing disputes

Credit card:

Complaint: I got charged XXXX for subway twice on my card and I called the bank and have them to remove it and they refuse and told me I need to call subway and subway would n't help me or corporate office would n't help to and that XXXX is been pending on my account for two days. Now I 'm trying to pay my credit card bill
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

Key Biscayne, FL

Loan servicing, payments, escrow account

Mortgage: Home equity loan or line of credit

Complaint: Dear Sirs, This is XXXX, I am writing in about a SERIOUS ISSUE that I have with Bank of America and is still going on for over 3 months now. This problem is concerning my mortgage line of credit. This whole situation started around the XX/XX/XXXX. I had a phone call regarding the line of credit division from the Bank of America. It was a lady who proceed to advise me that my loan was getting ready to change. She told me my monthly payments will be going up and I asked why and she replied your loan is over we do n't do any more interest only loans, and are you going to be able to make your new payment? I asked her what the payments would be going up to and, she said, I do n't know at the moment .. and I said well I guess I will have to get a new loan, and she said ... '' I WOULD NOT DO THAT, YOU HAVE A GREAT INTEREST RATE '' ... .So I really do n't know what to do .. So on the XXXX, I went to make my payment my normal payment of XXXX.that I had been making for many years on the XXXX and XXXX day of each month on online banking. To my surprise my payment went from {$350.00} TO a Quadrupled AMOUNT OF {$1500.00} I immediately took action, called into the line of credit division for Bank of America and spoke to a few representatives there and ask them what happened why in the world has happened with BOA, why they had converted my -interest only loan to a 10 year note. I explained to the representative that this is ridiculous, and no way I was going to be able to afford a payment of this magnitude, and she directed me to another lady, told me somebody would be in touch with me to help me with this matter in a few days.. And she said if they do n't get in touch with you in a few days you called back in ... I really was Furious about this entire situation all the way back to then I did not understand it and did n't understand why I had to call back in. So. After two weeks go by, I did n't hear anything. from anyone I called back in and I 'm PROACTIVE AGAIN. again trying to reach someone in the advocate team TO HELP ME!!!!!!!!!!! Not at one time did anyone give me a direct person of contact or email, or direct line of contact to resolve this situation ... As a corporate executive myself ; I find this absolutely Preposterous and incredibly unprofessional the fact that I am not dealing with one person with any contact information, no telephone number or an email to go back and forth to resolve this matter. All during this time I went back and I emailed a lady name XXXX that I had saved her email address from 2 years ago. So now it 's time for my normal payment In XXXX, no one has reached out to me finally on XX/XX/XXXX I received a call from a gentleman named ... XXXX He said he was from the Collections Department of Bank of America. I explain to this gentleman what it happened, AND HE ADVISED ME TO CONTINUE MAKING, MY PAYMENT OF {$350.00}, ... .EACH MONTH. BOA. After several phone calls, emails and spending hours away from my work trying to resolve this matter, I got to realize while I am seeking for a new loan, that my credit score decrease from 741 to 600. I 'm working on a new loan to get Bank of America paid off and move on so XX/XX/XXXX I am almost ready to close on my new lawn when I get a surprising phone call from the mortgage company I 'm dealing with that they have checked my credit and Bank of America has put a late payment on my credit report and now my credit has dropped from 741 down to below 600. Now BLOCKING ME from getting a new loan and DESTROYING MY CREDIT..!! BOA put on my credit report late payment charges for the line of credit I have been paying for years. I will appreciate if someone please call me because it is a long problem and I can explain it over the phone XXXX my name is 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

2016-12-02

Kings Ferry, NY

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 non-monetary relief

Disputed: No Timely Response

2016-12-01

San Francisco, 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: Yes Timely Response

2016-12-01

Hillsboro Bch, 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 non-monetary relief

Disputed: No Timely Response

2016-12-01

Houston, TX

Late fee

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

Disputed: No Timely Response

2016-12-01

Waupaca, WI

Payoff process

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

Disputed: No Timely Response

2016-12-01

Batesville, 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

Disputed: No Timely Response

2016-12-01

South Point, OH

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 monetary relief

Disputed: No Timely Response

2016-12-01

Berthoud, CO

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: Yes Timely Response

2016-12-01

Keezletown, VA

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

2016-12-01

Prescott Valley, AZ

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

2016-12-01

Flushing, 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 monetary relief

Disputed: No Timely Response

2016-12-01

Centennial, CO

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

2016-12-01

San Diego, CA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: I made a mobile deposit of a check. I was later informed that the check had previously been deposited the day before to some other account, which was not mine and the deposit was reversed. This is impossible. So then I brought the paper check, which I had saved. I was told that since I had the paper check, this was considered a legal document and that I would be credited the amount in question, which was {$160.00}. Then the credit was again reversed, citing the same issue, which I believe is some bizarre bank error. At my bank 's request, I worked with the person who issued me the check and they shared account information showing that the funds had been debited from their account. My bank then asked me to ask the check issuer to contact his bank and request they write a letter to my bank to open an investigation. This of course did not happen, despite all request being made. Now my banking institution, Bank of America, refuses to open an investigation into my lost funds.
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

2016-12-01

Houston, TX

Using a debit or ATM card

Bank account or service: Checking account

Complaint: XX/XX/2016 my wallet was stolen along with my debit and credit cards. There were fradulent activity on my debit card first and my other bank called me up to notify me. I had similar charges/activity in my Bank of america debit and credit card but they never flagged it. I immediately cancelled my debit card and credit card. But that did not stop. On XX/XX/2016, the thieves withdrew XXXX money from the ATM and also cashed out a check for XXXX $ from the same account which was already overdraft. My BOA credit card was linked for overdraft protection and it kicked in but currently I am not only charged the XXXX $ but also charged interest. To make it worse, I am in the process of buying a house and my credit score is getting hammered because of these huge overdraft fees. I feel BOA was pretty clueless about fraud detection. Every time I called up, they had something missing from the Notes. Also I was put on hold for a very very long time. I even went to a regional branch and they could not help me. I spend almost 2 days ( taking off 2 days off work ) to solve this issue. BOA should have blocked this account knowing that my ID was stolen too ( I had mentioned that I have a police report regarding the stolen wallet ). I am not only losing my peace of mind but also my work hours. This is more than frustrating. They were pretty careless about my account. I do n't see myself doing any business anymore there. I had accounts with them for 10 years.
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

2016-12-01

Atl, GA

Disclosure verification of debt

Debt collection: Mortgage

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

Disputed: Yes Timely Response

2016-12-01

Haverhill, FL

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 monetary relief

Disputed: No Timely Response

2016-12-01

La Jolla, CA

Using a debit or ATM card

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

2016-12-01

CA

Billing statement

Credit card:

Complaint: Describe what happened so we can understand the issue ... I paid XXXX bills at Bank of America on the XXXX. I paid through their online billpay service. XXXX was the closing date for the month. Bank of America credited the XXXX payments for XXXX although I was paying XXXX bill as presented on bill pay. The next day I receive XXXX more bills for XXXX. I called on XXXX and I was told that they could n't switch the payment over to XXXX and that it would be " much more complicated than that ''. The whole process will take 5 additional business days ( with weekends that is 9 more days ). They would now need to credit the XXXX payments back and I would need to repay them again. The whole process would take several days in addition to me providing my checking account and routing numbers over the phone to a complete stranger. I asked to speak to a manager and continue to be on hold for the manager. I do n't want to lose the days of interest as they are figuring this out. I also paid the bill online and was told " never to pay my bill on the closing date ''. I held for the manager for another 10 minutes and was told the same thing. I paid my bill that was presented to me for XXXX online. It showed the minimum balance due. I then received XXXX more bills for XXXX the next day. I do n't want to wait 5 business days more to refund for a payment that was made 3 days prior. That is 8 days of additional interest. Both reps. at Bank of America can not just credit the payment for XXXX? Consent to publish the description of what happened? Consent provided Issue Billing statement Date of incident XXXX/XXXX/2016
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

2016-12-01

Westchester, IL

Loan servicing, payments, escrow account

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: XX/XX/XXXX CFPB : Bank of America, a TARP Funds Recipient, took my original XXXX Notice of Initial Servicer, 8.5x11 inches, which I had received via USPS First Class Mail XX/XX/XXXX, from XXXX XXXX IL XXXX. I need Bank of America to return that original Notice of Initial Servicer to me. Sincerely, XXXX, IL 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: No Timely Response