BANK OF AMERICA, NATIONAL ASSOCIATION

2016-11-27

Anaheim, CA

Account opening, closing, or management

Bank account or service: Savings account

Complaint: I opened a checking and savings account with Bank of America. At the time of opening the account I was told that I simply needed to transfer {$25.00} a month from my checking account to my savings account to avoid any fees. Later Bank of America converted m my savings account to a checking account ; -apparently due to the amount of transfers or withdrawals from my savings account over a rolling period. Since the.n I have been charged a monthly maintenance fee of roughly {$12.00} a month since XXXX of 2015. I was unaware that I was being charged this fee until two days ago and when I contacted Bank of America I spoke with XXXX individuals who placed blame on me, questioned my lack of balancing this account monthly and was told they could only refund {$12.00}. I explained to both representatives that I was unaware that I was being charged and did not notice until the day that I called. I explained to them that I originally opened this account as a savings account and was told that when it was converted that they provided ample opportunities for me to be made aware of these changes regardless if I recall them or not. I proceeded to explain that I still have the $ 25 monthly transfer set up and if I was aware that I was being charged I would have just closed the second checking account because I did not need it, I do not have checks or even a debit card linked to that account. I was again told a cookie cutter answer and ina politically correct way was told it was my fault for not noticing this sooner and that there was nothing either representative or their managers could do for me except refund one of the 18 monthly charges that have occurred,
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

2016-11-27

Clayton, MO

Rewards

Credit card:

Complaint: In XX/XX/2016, I made an online request to redeem XXXX reward points for cash. The amount came to {$91.00}. Approximately XXXX months later, I had not received a check. I called customer service to inquire. I was told by them that a check was mailed. I never received it. They then said another check would be issued. As of XX/XX/2016 I still had not received anything. I called customer service again and was told that another check would be issued. As of today, XX/XX/2016, nothing has been sent. I 'm tired of the run around and want the {$91.00} sent to me in the form of a check to my home address.
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

2016-11-27

Sunnyvale, 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

2016-11-27

Alexandria, VA

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: In XXXX 2016 I was notified by Bank of America , N.A . that the flood insurance on my property in North Carolina had " expired or was canceled '' and XXXX threatened to purchase flood insurance on my behalf. Due a medical family emergency I was away from home and unable to attend to personal matters until recently. I contacted XXXX on XXXX XXXX and XXXX, ahead of their XXXX XXXX, 2016 deadline and offered to email the insurance documentation to them since I did not have fax access from the hospital. I was informed that this would be too late since there was a 10-day processing time - something not mentioned in the notification to me. My XXXX company subsequently faxed the information on the XXXX, but again this will not allow for the processing time, BOA suddenly demanded. This is an annual occurrence with XXXX and while they have held my mortgage for several years, BOA claims annually that the flood insurance has either been discontinued or is insufficient - which is clearly not the case. I own XXXX other properties, however, have never experienced any problems such as I do with BOA. BOA 's predatory lending and insurance practices are simply unacceptable and it is a way for XXXX to essentially enrich their business by " purchasing flood insurance on my behalf ''.
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

2016-11-27

Oxford, GA

Making/receiving payments, sending money

Bank account or service: Checking account

Complaint: I mailed my electric bill payment check to the power company, and when my next bill arrived, the payment was not reflected. When I checked my bank statement, the check I mailed to them had cleared. I called the power company, they said to bring my bank statement to their offices as they have no record of receiving the check. After taking the bank statement, they requested a copy of the front and back of the check. When I went to the bank for the copy of the check, it was clear the power company did not receive it. Someone had printed my name on the back of the check, and under that wrote " pay to the order of '' and a name. I immediately asked the bank and their check fraud dept. how this could happen, and no one could seem to give me an answer. They gave me a run around and played word games. They said it appears the check was deposited at another bank then sent to my bank for payment. I asked why did they cash it when it was sent to them for payment, and they responded they did n't cash it, the other bank did but they would try to get my money back for me. I told them this check was clearly not cashed by the power company, so why did they pay the check when it was presented to them when they should have rejected it. They said this is a routine transaction and they do n't question checks presented by other banks. I told them I only want the person/company to whom I make a check payable to be able to cash it, and they told me they would note my account with that information. I took the copy of the check to the power company, who said it was clear they did not receive this check, and I went from there to file a police report. This was on XX/XX/XXXX, and I finally received a " Fraud Statement of Claimant '' form from the Check Fraud Department with a date on the cover letter of XX/XX/XXXX whick was worded as if I was just now making the report. I do n't understand why they did not send me this form when I made the report on XX/XX/XXXX, because I thought that was what I was doing when I called them from the bank. The cover letter stated, " Please be advised that the responsibility for accepting an item with an alteration or forged/missing endorsement rests with the bank of first deposit. We will forward your claim to the XXXX upon receipt of a properly executed Fraud Statement. Please complete and return the enclosed Fraud Statement within 10 business days. '' I do not understand how their statement can be legal. I am their customer, and they have a responsibility to protect my funds, which they have not done in this case, and with this statement they are saying they will not do in the future. This statement says they will give my money to anyone who asks for it, and it 's not their problem if they gave it to the wrong person. I do not understand how they are not responsible for paying the " XXXX '' when they should have rejected this check. I fail to understand this premise, especially since the consumer does not have the ability to discover the " XXXX '' and has no mechanism to collect this directly from the " XXXX. '' In this case, the fraud is so blatant that I believe the " XXXX '' should be criminally liable for accepting this check to begin with, when it was made out to the power company and the individual who presented it was clearly not the power company, and I expressed that to the detective investigating this case. I also think my bank should be criminally liable for not rejecting it and allowing the funds to be paid from my account, as I consider that to be theft by conversion. It took my bank almost a month after I reported this to send me the Fraud Statement to complete, so they are delaying unnecessarily to avoid returning my money, which they should have returned already. I have already closed my account, I just want my money back.
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

2016-11-27

Anastasia Is, FL

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

2016-11-27

MO

Loan servicing, payments, escrow account

Mortgage: Conventional fixed mortgage

Complaint: We received hail damage to our property on XXXX/XXXX/16. The mortgage holder on our property is Bank of America and we had to send all insurance checks to them for endorsement. The process of getting a check signed and returned so we could pay for repairs has been nothing short of ridiculous. All of the repairs on our home have been completed for almost three months. We have sent Bank of America all of the information ( contractor XXXX 's, receipts, etc ) they requested only to have them misplaced, forgotten, etc. We have made phone calls weekly, told our money was being sent ( weekly ) and are told something different every week. We had to take money set aside for other purposes and use to pay for repairs to our home and have still not received all of our funds from Bank of America. We have had late fees at our local lumber yard, etc. because we did n't receive our funds in a timely manner. Bank of America is still holding approximately {$1600.00} we received from insurance for depreciation. They have had this check for 6-8 weeks. I have done everything they have requested ( several times in some instances ) and do n't know what else to do. I have tried to resolve this issue over the phone and do not believe anything I am told at This point.
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

2016-11-26

Oxford, GA

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

2016-11-26

Garrett Park, MD

Using a debit or ATM card

Bank account or service: Other bank product/service

Complaint: Bank of american wo n't submit XXXX corrections for credit inquiries to XXXX credit bureau Inquiry XX/XX/2016 and Inquiry XX/XX/2016. This has been an issue since late XXXX. After the first inquiry. Needs to be submitted to XXXX.
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

2016-11-26

VA

Deposits and withdrawals

Bank account or service: Checking account

Complaint: A wire was initiated by myself to a customer at Bank of America on XXXX XXXX, 2016 for {$20000.00}. The account was not able to accept the wired funds. I was notified the next day that the account could not accept the wire, and XXXX told me to just do a recall request to retrieve the funds. I paid the fee for the recall. I have tried to contact Bank of America, but they will not speak to me. The BofA Customer has taken the wire details and the XXXX number into her BofA bank in XXXX to request that they return my money since it was never deposited into her account, but Bank of America is refusing to return the undelivered funds back to my XXXX account from which the funds were sent. The only update that has been seen was XXXX XXXX, 2016 which said that the request was under investigation. No update has been added since that date. XXXX wire department has reached out to Bank of America multiple times unsuccessfully to understand why a recall process that takes only 2-3 days has not been completed. XXXX recall requests from XXXX have been requested in total and as of XXXX XXXX, 2016, no funds from Bank of America have been returned to me. Bank of America has essentially stolen {$20000.00} of my money and will not return it to me. The XXXX reference number is has been provided for the return recall. The XXXX branch manager in XXXX where my account and the wire was initiated from, has tried repeated to assist me, but has been unsuccessful. The lack of my funds has created a severe financial burden on me and has negatively impacted my ability to pay my bills now.
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

2016-11-26

Detroit, MI

Billing disputes

Credit card:

Complaint: ON XX/XX/2016 AT XXXX I BROUGHT THIS TO THE ATTENTION OF BOA MARYLAND 'S XXXX XXXX. HER AND HER BOSS STATED THAT THE ERRONEOUS LATE FEES AND PAST DUE LABEL/HOLD WOULD BE REMOVED, AS I HAVE BEEN MAKING MY PAYMENT BEFORE THE DUE DATE. XXXX XXXX : THE PROBLEM IS THAT THE BOA SYSTEM OR SOME EVIL, IDLE XXXX AT BOA HAS THE PAYMENT I MADE ON XX/XX/2016 COUNTING AS IF IT POSTED ON XX/XX/2016! XXXX XXXX XXXX : I do see where a late fee adjustment of XXXX and minimum interest charge adjustment of XXXX were credited to the statement balance on XXXX/XXXX/2016. XXXX XXXX : I ALLOWED 48 HOURS FOR XXXX CHANGE TO TAKE EFFECT, BUT THE PAST DUE LABEL HAS NOT BE RECTIFIED! XXXX XXXX XXXX : Thank you for waiting. I 'll be with you in just a moment. XXXX XXXX XXXX : Upon reviewing your account, I see we issued a refund request have you received your refund? XXXX XXXX : HER SUPERVISORS XXXX XXXX AND XXXX XXXX ADVISED HER OF THE BOA ERROR AND THEY SAID IT WOULD BE CREDITED!!!!!! XXXX XXXX XXXX : XXXX XXXX, upon review, I identified the issue. On XXXX/XXXX/2016, a payment of XXXX post that was applied to your XXXX/XXXX/2016 due date. On XXXX/XXXX/2016, a payment of XXXX was applied to the same billing of XXXX/XXXX/2016 because your account cycles on XXXX of every month. I completely understand your intent were to apply XXXX/XXXX/2016 XXXX payment to the XXXX/XXXX/2016 due date. I can easily correct this by issuing you the refund of XXXX that you made on XXXX/XXXX/2016. At you will, you can easily resubmit that payment. Keep in mind : Refunds can take up to 5-7 business days. XXXX XXXX : On XX/XX/2016 AT XXXX EST, I spoke with BOA XXXX , WV XXXX XXXX . He stated, on the purported record call, that " all fees would be removed and that the payment which posted on the XXXX will be counted for the XXXX, and the " past due '' label will be removed as there is no such thing as paying too early and it is evident that you have been paying at least 1 % of your current total balance due every month, and that the rectification would take 48 hours to be completed. '' Well it is twelve ( 12 ) days later, XX/XX/2016, and the same " past due '' label and inaccurate amount due claim is still erroneously on my account. As such this will be presented to the Attorney General, XXXX, Consumer Financial Protection Bureau, because Bank of America is no different than XXXX XXXX. You all are only trying to get rich any way you can ... past due label still appears when I login in ... I can not make my next payment before XXXX until this accounting error is removed and rectified first, because it will make everything going forward confusing and that 's what they want confusion.
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

2016-11-26

Jupiter, FL

Problems caused by my funds being low

Bank account or service: Checking account

Complaint: On XX/XX/2016 I had XXXX dollars in my account. All transactions were processed. I was aware of the low balance, but all transactions were processed. I was going to deposit money the next day. Overnight, BOA rearranged all transactions charging me 5 overdrafts to which XXXX trans. were of {$2.00}. Before they have waived the charges. Now they are insulting me for not keeping a straight balance. I do, but they keep rearranging transactions, so i keep falling in a hole and they take a chunk of my paycheck which comes direct deposit. This time, i am not deposit any money until they erase all the illegal XXXX as i counted overdraft transactions. I demand for BOA to stop rearranging transactions behind customers ' backs in order to collect overdraft fees. This is not the first time. XXXX dollar fee for a XXXX transaction that they caused by rearranging transactions? I will not allow them to take anymore money from my paycheck and child support. I work too hard. I have been with BOA for 26 years. They are stealing customers ' money now. I want and need my five overdraft fees removed. That was until XX/XX/XXXX and any after that, then I will deposit money and close my account. Thank you.
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

2016-11-26

Mitchell Field, NY

Loan modification,collection,foreclosure

Mortgage: Conventional adjustable mortgage (ARM)

Complaint: In XXXX, I took out a mortgage with XXXX. They advertised affordable low mortgage monthly payments. However, the monthly payments were high and kept increasing every month to the point that I was not able to keep making payments on my mortgage. In XXXX, XXXX Bank XXXX started a foreclosure processed on my home. I did not know the involvement of XXXX of my loan until I received a summons and complaint. Then my loan was transferred to Bank of America who has denied several loan modification applications. It seems that Bank of America 's priority is to foreclosed on homes and not try to mitigate their delincuent loans.
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

2016-11-26

CA

Other

Credit card:

Complaint: Several problems : Bank of America dropped my grandson 's authorization to use all of my XXXX credit cards and also cancelled the auto payment out of my checking account with no explanation. They denied the use of the cards on several important occasions for no reason. They issued new cards with new numbers for their security not mine. They issued a XXXX card that I never applied for just like XXXX XXXX did to some of its customers. They denied changes when my husband recently died although everything was in joint names and legally either party could do everything to the accounts. They treat me like a new customer after banking with them for over 58 years. They keep making changes to many of my transactions with them without any permission on my part. Their records conflict and when I point out that I have a document from them that shows something different it does not seem to matter. Thank you for looking into this matter.
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

2016-11-26

Lynchburg, VA

Communication tactics

Debt collection: I do not know

Called outside of 8am-9pm
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed

Disputed: Yes Timely Response

2016-11-25

Marion, SD

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: No Timely Response

2016-11-25

Newark, NJ

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

2016-11-25

Chemehuevi, CA

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

2016-11-25

Cooper City, FL

False statements or representation

Debt collection: Mortgage

Attempted to collect wrong amount
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

2016-11-25

Coral Springs, FL

Money was not available when promised

Money transfers: International money transfer

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

2016-11-25

Allingtown, CT

Rewards

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

2016-11-25

San Diego, CA

Loan modification,collection,foreclosure

Mortgage: Other mortgage

Complaint: Bank of America ( BofA ) has made negligent misrepresentations on a mortgage or Trust Deed and, with the continued use of such practices, have also made fraudulent misrepresentations on a mortgage or Trust Deed. By providing me with knowingly false information and representations related to the status of a mortgage or Deed of Trust, BofA is in violation of RESPA enforced by Regulation X ( Consumer Financial Protection Bureau ( CFPB ) ), TILA enforced by Regulation Z ( CFPB ), the National Mortgage Settlement ( NMS ) enforceable by government agencies ( XXXX ) and consumer protection advocacy groups ( XXXX ), the California Homeowners XXXX enforced by California XXXX XXXX XXXX XXXX through XXXX, the XXXX Code of the state of California that may be enforced through a private right of action in California XXXX Court, and the XXXX XXXX by engaging in racketeering business enterprise with XXXX XXXX XXXX XXXX ( XXXX ). BofA has retained outside legal counsel to respond to escalated cases on their behalf, but it is unclear if BofA has provided total access of records to their legal advisors so that a truthful opinion may be rendered based on the most current and available account information and documentation, including, but not limited to, electronically created and kept documents and data. While BofA has destroyed portions of the mortgage and service records in their attempts to create a false narrative of events over the past 56 months, there are documents and data available that make clear the events and actions that occurred throughout the loss mitigation processes. There is an established escrow account associated with this mortgage to pay all property insurances and property taxes. Monthly escrow account installment fees and charges are assessed as evidenced by the monthly mortgage installment statements to date. Unapplied escrow fees have been charged against the mortgage and claimed by the servicer as part of a delinquency resulting in the recording of the XX/XX/XXXX16 Notice of Default publicly beginning the foreclosure process. However, BofA has refused to pay the latest property insurances and property taxes timely or at all. The escrow account is still in place as it can not be dissolved per Making Homes Affordable, Homes Affordable Mortgage Program guidelines and related charges continue to be assessed but unpaid as required, intended, charged, and claimed. It is improper, unfair, and a poor and deceptive practice to assess and collect a monthly fee for property taxes and insurances and then not follow through with payment of property taxes and insurances. BofA, through their retained legal counsel, represented to me there is no principal balance associated with this home loan mortgage account while concurrently representing and maintaining the XX/XX/XXXX Trust Deed has defaulted and, as such, the foreclosure is proper and in accordance with all applicable regulations, guidelines, and laws including, but not limited to, the XXXX Code. I 've not been a mortgagor since XXXX. BofA knows I 'm a XXXX person living on a fixed income. If I 'm forced out of my home I will have no where to live and shelter myself as affordable housing is nonexistent. I will be made homeless and possibly a criminal due to the homeless state of existence. I provided BofA a timely request for mortgage assistance to prevent any delinquency and keep my home, not to be forcibly removed from my home and become homeless. I 'm living in a constant state of XXXX. I ca n't focus or sleep. I do n't eat. I over eat. This existence is ongoing and endless. This is my life now, a state of existence threatened by homelessness through wrongful foreclosure and racketeering.
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

2016-11-25

Discovery Bay, CA

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

2016-11-25

Miami, 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

2016-11-25

Manhattan, NY

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: No Timely Response