Bank of America, National Association Corporate

Complaint ID: 8091459

Product: Money transfer, virtual currency, or money service

Sub-Product: Domestic (US) money transfer

Issue: Fraud or scam

Subissue:

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: Formal Complaint Against Bank of America XXXX Unprofessional Conduct and Discrimination Dear CFPB I hope this letter finds you well. I am writing to file a formal complaint against Bank of America regarding a series of troubling incidents that occurred during my recent visit to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ) on XX/XX/2023 and XX/XX/2023. During my visit onXXXX, I encountered difficulties completing a wire transfer despite providing proper identification and account information. The banker, who identified himself as the Assistant Vice President and Branch Manager, insisted on utilizing a smartphone to click on a texted link for verification. Unfortunately, the provided link was unresponsive, and despite my attempts within the allotted 10-minute timeframe, the banker refused second time try and further assistance. Subsequently, I scheduled an appointment for XXXX next day on XX/XX/2023 to resolve the matter. Upon arriving at the bank, I was asked to wait extensively and, upon inquiring about my appointment, was informed that the banker could not assist me and suggested I visit another Bank of America branch by the Assistant Vice President and Branch Manager. I believe this incident raises concerns not only about the unprofessional conduct of the bank staff but also potential discriminatory practices. I felt disregarded and disrespected, and I believe that no customer should be subjected to such treatment. I kindly request your offices to conduct a thorough investigation into these matters to ensure that appropriate actions are taken to address the unprofessional conduct and prevent any recurrence. Discrimination has no place in the financial sector, and it is crucial that institutions adhere to the highest standards of professionalism and fairness. I appreciate your attention to this matter and request that you keep me informed about the progress of your investigation. Please feel free to contact me if you require any additional information. Thank you for your time and consideration. Sincerely,

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8091339

Product: Debt collection

Sub-Product: Credit card debt

Issue: Took or threatened to take negative or legal action

Subissue: Sued you without properly notifying you of lawsuit

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: I made several attempts to contact XXXX XXXX XXXX and finally reached them by phone on XXXX and was offered a settlement of the credit card debt on behalf of Bank of America in the amount of {$16000.00} in 24 payments in the amount of {$680.00}. I accepted the settlement offer and payment plan and amount that day over the phone and also made a partial payment of {$300.00} to initialize this agreement between us and then paid the other part of the first payment of XXXX on XXXX. 3 days later, XXXX, XXXX XXXX XXXX sent a letter of confirmation of the settlement amount and payment plan and amount per month, except that they considered the partial payment as the first payment and that made the XXXX payment double, in the amount of {$1300.00}. Even after I complained to them that we agreed that the first payment was to be made in 2 payments within 2 weeks, I was never told this was considered to be 2 payments resulting in a huge last double payment. Regardless, I still continued to make the payments. Since XXXX, I have paid {$4800.00} and currently owe approximately {$11000.00}. There was no mention of XXXX XXXX XXXX requiring anything else in their offer and payment plan letter dated XXXX. Six days later, XXXX, XXXX XXXX XXXX sent me a stipulated judgment to sign. So far I have refused to sign the stipulation because it allowed XXXX XXXX XXXX far too much over reach beyond a simple 24 month payment plan. I called XXXX XXXX XXXX several times and left messages before the hearing on XXXX, and finally spoke with XXXX in the accounting department that same XXXX. XXXX stated that this conversation is recorded etc., and that as long as I am making payments as agreed, no further legal action will be taken. If that is true, and since our conversations were stated as recorded by XXXX XXXX XXXX, I have no reason to believe otherwise. The question is, if XXXX XXXX XXXX stated that as long as I am making payments there will be no further legal action, then why does XXXX XXXX XXXX need a stipulation signed by me and not drop the lawsuit? To make matters worse, XXXX XXXX XXXX made a mistake on their stipulation document, the pages are not numbered sequentially and I could not get the document notarized. I went to a hearing on XXXX, same day I was told by XXXX at XXXX XXXX XXXX that no further legal action was needed as long as I was current on payments, and asked the court to have XXXX XXXX XXXX fix the page number error so I could sign the stipulation and get it notarized. I also explained to the court that XXXX XXXX XXXX 's office told me earlier in that day that no further legal action was required as long as I am current on payments. All along, I have filed motions asking the court to dismiss XXXX XXXX XXXX 's lawsuit actions, but to no avail because there is no reason to have a stipulation judgment when both parties already have reached a settlement and I am current on all payments including an extra payment. I do not believe I should have to sign a stipulation judgment unless I have defaulted on XXXX XXXX XXXX 's verbal and written settlement and payment plan offer they sent me on XXXX. I have all the documents, phone records, notes, etc. and simply want XXXX XXXX XXXX to drop the lawsuit filed against me as I believe a stipulation is not necessary and is definitely now a form of harassment due to the number of hearings I have gone to so far and now another hearing on XXXX. And the difference between what their office employees are stating to me, that no further legal action is required as long as I am current on payments, and then having XXXX XXXX XXXX still harassing me to sign a stipulation, but illegally changing the stipulation document that was already filed and mailed to me for a signature with a simple page error by adding more information, restrictions and constraints into a whole new stipulation document that is now completely different. Now if signed, it allows XXXX XXXX XXXX to garnish anything they want etc., whereas before the stipulation restricted XXXX XXXX XXXX. I need help. I am certain the judge does not want to find out that XXXX XXXX XXXX has completely changed the stipulation, instead of just fixing the page number error on the original stipulation document. This is outrageous, unjust and a complete waste of the Court 's time.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8091211

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

Subissue: Trying to communicate with the company to fix an issue related to modification, forbe

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: On Tuesday XX/XX/XXXX when I spoke to XXXX XXXX she read the notes in the file from XXXX XXXX. I was stunned because most of what XXXX XXXX read never happened.

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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