Date Received: 2023-05-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: We had a toxic unsustainable interest only loan on 1st mtg XXXX. Unable to continue with this interest amount after 10year interest only ended and filing bankruptcy we opted, after filing complaint to CFPB in XXXX and lowering our interest rate to stay in our home that was deeply underwater. We are current on 1st and property taxes, same lender. My complaint today is about another toxic unsustainable 2nd mortgage loan, interest only for 10.25 % for first XXXX XXXX XXXX After that amount would increase to XXXX for the remainder of the loan. Bankruptcy recession being over XXXX grand underwater took a toll on us but we wanted to stay in our home. This was XXXX for amount XXXX $ We managed paying this from XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXXXX $ that like the other loan got us no closer to paying down our loan. To this day boy a has changed services 2 maybe three times. Green tree and currently XXXX XXXX XXXX XXXX to name two. Since XXXX we tried to get some resolution to this for them only to offer us a lower monthly payment but tack on XXXX more years to the loan. Up to date we may receive a letter for how we can prevent foreclosure, short sale, payment plan, resolve lien for less than amount. We have not responded over the years and continue to be current on 1st mortgage. The loan was for XXXX $ I am unsure why the balance is XXXX XXXX I feel BofA should release the lien
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92251
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a call from Bank of America today about a possible fraudulent checking account that was opened a week ago. The hacker applied for the checking account online and upon further inspection, it looks like several transactions have already been made since XX/XX/XXXX ( 4 transactions on XX/XX/XXXX, and 4 transactions XX/XX/XXXX ). I am unsure why I was notified of this a week after opening. It looks like money was put in through XXXX transfers with people 's names, and then taken out via an ATM in NY. Bank of America 's checking fraud department told me they would try to close/reject the account, but it won't happen immediately because it needs an investigator to look at it first. The identity thief also added 2 telephone numbers and their own email to my account profile, which I asked them to remove. I asked the company if they could trace the phone numbers or email address 's IP back to someone, but they did not give me a strait answer and only said it would be investigated. Unsure if this person is scamming other people because there are names associated with the XXXX payments that went into the checking account. I have since also placed a freeze on my credit and am filing a police report. My advice to others- don't trust XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: I was charged by Bank of America an incoming wire transfer fee when it was already paid for by the outgoing bank. They are not helping me with this saying its always a fee charged whenever incoming transfers are there but the fee was already paid from the other bank. This is solely the problem from BoFAs system. These are the dates of my wire transfer fee taken by BofA which were already paid for : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Bank of America 's customer service made a wrong judgment, locked my account, and asked me to go to the XXXX XXXX, which wasted my day, including the phone call time and the time to go to the XXXX. The customer service staff deceived me and asked me to run for nothing. Admit the mistake and unlock it for me online, I need them to compensate me for travel expenses and phone bills due to their mistake
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Bank of America makes it impossible to work with them when you are a victim of identity theft. I am not a customer of Bank of America but someone tried to apply for credit in my name with Bank of America. I tried to call them to get the inquiry removed from my credit report but they were of no help. I spoke to XXXX XXXX ID : XXXX who was of zero help. It also took me multiple attempts to get to a representative at Bank of America because they would only patch me through if I was a customer. I had to put in some random numbers which finally got me to XXXX who again was of zero help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85382
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: This unemployment nightmare with Iowa unemployment and Bank of America. BOA treated me like XXXX. My claims were ignored they shut my account over 7 times after submitting a claim were XXXX withdraw never came out. Both iowa and BoA called me a liar on several occasions, but it was proven by atm provider that unfairly discrimination during XXXX in Iowa. Review attachment. This account has been closed. BOA keeps sending me notices over 2.5 years saying that they final decided to reverse their initial hearing and denying me several claims that in XXXX were denied. They are claiming that a dispute was dated in XXXX. See the statement attached. This has been so horrific and I list my house during all of this. Iowa unemployment is just has guilty.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50266
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Hello My name is XXXX XXXX, I lost My Bank of America credit card in XXXX, Someone used my credit card, in XXXX, Fraud I disputed the charges which I didnt make but month later bank Bank of America told me Im responsible for that charges which I dont recognize that charges. Please help me Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I tried to retrieve funds from my account and I was told by Bank of America that there was a fraud alert on my accounts that I didnt put on there. I work for a large company and my check was being deposited there and no one is telling me why I cant have access to my funds. I am a veteran who served and protected this country and Im treat like this. I have a newborn that Im the sole provider for and I cant get my money that I work for everyday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2023-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-17
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: A formal complaint was submitted. Bank Of America has not responded. Here is the last email that I received from the CFPB. How is the bank allowed to blatantly ignore this verified information, and complaint?? We have alerted the company its final response is past due. We havent received a final response from the company in the expected time, even though the company initially responded that they were working on your complaint. Weve alerted the company that its response to your complaint is now past due and that a response is still expected. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2023 PRODUCT Checking or savings account ISSUE Managing an account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2023-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have a credit card with Bank of America. I had taken a cash advance in XXXX which I paid off in XXXX. I actually overpaid and had a negative balance on the account for several months. Bank of America erroneously and fraudulently reported that I was 30 and 60 days late in XXXX and XXXX despite having a negative balance during that time ( the bank owed me money! ) and closed my account. I have credit card statements from Bank of America verifying all this. I tried contacting Bank of America to reverse it but they haven't taken any meaningful action and just move me from one branch to another. I spoke to them several times. I contacted all 3 credit bureaus and sent them a copy of all my bank statements showing no balance!! They still haven't corrected it and just said that this is what the bank is reporting. Even in the credit bureaus ( XXXX, XXXX, XXXX ) reports they have {$0.00} balance for those months. I don't believe they reviewed the bank statements and did a serious investigation. Please help me with this. You can review the rest of my credit history and it is impeccable. I have never had a late payment in the last 10 years probably. I watch my credit very carefully. I'm gon na attach a copy of all my bank statements from Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 085XX
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A