BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-30

Cape Coral, FL

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

2016-11-30

E Northport, NY

Application, originator, mortgage broker

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

2016-11-30

Falls Church, VA

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

2016-11-30

Fresno, 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

2016-11-30

Tampa, FL

Closing/Cancelling account

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

2016-11-30

East Freehold, NJ

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

2016-11-30

Brooklyn, NY

Identity theft / Fraud / Embezzlement

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

2016-11-30

Lancaster, 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

2016-11-30

Brookside, NJ

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

2016-11-30

Duluth, MN

Application, originator, mortgage broker

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

2016-11-30

Amherst, NY

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

2016-11-30

Boynton Beach, FL

Identity theft / Fraud / Embezzlement

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

2016-11-30

Castle Point, NJ

Shopping for a line of credit

Consumer Loan: Personal line of credit

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

2016-11-30

Fred, VA

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

2016-11-30

Bohemia, NY

Application, originator, mortgage broker

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

2016-11-30

Lubbock, TX

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 explanation

Disputed: No Timely Response

2016-11-30

Beacon Hill, WA

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: No Timely Response

2016-11-30

Pacific City, OR

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

2016-11-30

Keller, TX

Taking/threatening an illegal action

Debt collection: Credit card

Sued w/o proper notification of suit
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

2016-11-30

Galena, OH

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 explanation

Disputed: No Timely Response

2016-11-30

Jonesboro, 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

2016-11-30

Coral Gables, FL

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

2016-11-30

Atlanta, GA

Account opening, closing, or management

Bank account or service: Other bank product/service

Complaint: Re : 1. XXXX XXXX ' DBA- XXXX- XXXX ( old Tax Id ) 2. XXXX- XXXX ( NEW Tax Id ) Merchant ID:XXXX My name is XXXX , Co-Owner of XXXX. We are a growing business. In XXXX of XXXX, we decidedtoaccept credit card payments from our clients in an effort to grow our business and be able to competewith larger companies. I am writing in hopes to get resolve on a pressing matter regarding our Merchant account and the major Merchant Servicesmistakes that have been going on since XXXX XXXX and still haveNOT been resolved fully. These errors have ultimately cost mysmall business lost income from : 1. Time spent in the bank trying to resolve these issues ( XXXX ) 2. Erroneous overdraft bank fees to XXXX of my company 's bank accounts which have ultimately slowed us down in terms of having an account to place client payments 3. Charges for equipment ( XXXX XXXX mobile ) that we can not use because of Merchant Services issues. 4. Customers who can not use their credit cards have used other vendor to supply their XXXX needs because we can not process credit cards at this time. 5. Numerous telephone calls to my Merchant Services representative ( XXXX XXXX, Bank Managers, and numerous Merchant Services representatives respectively- still with no resolve. 6. Other fees from other credit card processing companies that we had to use because our merchant account has been inactive ( XXXX, XXXX ). Here are the facts about our account:1. We initially opened our first bank account as a DBA ( XXXX XXXX ' DBA- XXXX ) approximately 3 years ago. 2. In XXXX XXXX, we applied and were issued a Merchant Services account number for the purpose of receiving credit cards from our clients. 3. In XXXX XXXX, we realized we would n't have enough money in our bank account to cover monthly fees. We called Merchant Services and requested they use our personal account ( XXXX XXXX XXXX ) to collect fees. 4. The change was successfully made and fees were debited from our personal account. On XXXX XXXX, XXXX, we changed our business entity from XXXX to an XXXX. We immediately went to the bank to speak with an officer to change over our tax id and open bank accounts soley in the business name. 5. We were successful in opening a NEW business account with the Business Services representative at the XXXX XXXX XXXX, XXXX, GA location. Upon opening the account, our Bus. Svs. Rep contacted BOA Merchant Services department to alert them to our account change and update them on the NEW tax id and also NEW bank accounts in which to attach to our Merchant Services account. The process took about 40 minutes to complete. After completion, we were advised to keep our old account open for at least 30 days to be sure nothing else would go through to the account. 6. We complied, yet 2 months later, we found that Merchant Services were still debiting our old bank account which sent it into an overdraft status. Upon complaining ( both in writing and on the phone ) to our Merchant Services representative ( XXXX ) to reverse our mounting overdraft feesfrom BOA MerchantServices because it was their mistake that they didnot use the correct account to debit- even though they received the information and confirmed they would make the changes 3 months prior. 7.It took me NO LESS THAN 2 weeks to get a hold of XXXX because it seemed he was n't responding to my matter in what I felt was timely. I went to another branch to try to talk with their Merchant Services representative to get some resolve. They advised that our representative had to fix this. 8. Branch Mgr XXXX tried to reverse {$600.00} in fees but could n't. After she did that and reconfirmed with Merchant Services ourNEW account information, ourNEW account seemed to be fine- that is untilXXXX 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

2016-11-30

Waterbury, CT

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

2016-11-30

Fairfield, CA

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: After filing for modification review and waiting for more than a year for a resolution, Bank of America finally sent me a modification under the XXXX program and they miscalculated the income. For this modification, Bank of America calculated the household income to be {$6900.00}. Based on that income, they came up with monthly mortgage payment under the XXXX program to be {$2100.00}. {$2100.00} was the payment that we could not afford and fell behind on. As you can see, did used the payment by {$12.00} and considered it affordable. That is insensitive and cruel and a joke especially after waiting for more than a year and going back and forth with them. If the household income was what they say was, there was no reason for us to fall behind on the mortgage.. We fell behind because he was unaffordable. Our household income consist of {$400.00} of my payroll income and for the {$4500.00} contribution from my son. Based on that, the household income is {$4900.00}. Please help me correct this error and help me get Bank of America to rearview us for the modification. I am also very concerned that Bank of America has been playing a lot of games and not doing things as they are supposed to according to the treasury guidelines in meeting timelines. All the programs are expiring at the and of XXXX and I am very concerned about them not doing this modification and forcing me into a foreclosure. Please help me get this done right.
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