Mortgage -- Trouble during payment process -- Complaint #6853106
Complaint Overview
Complaint ID: 6853106
Company: Bank Of America, National Association
Product: Mortgage
Sub-Product: Other type of mortgage
Issue: Trouble during payment process
State: District of Columbia
ZIP Code: 200XX
Date Received: 2023-04-17T12:00:00-05:00
Date Sent to Company: 2023-04-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a Countrywide mortgage that originated in XXXX. Bank of America states that they service the loan for XXXX XXXX XXXX XXXX XXXXXXXX. Bank of America has frozen my online access to the account and has returned over fifteen payments to me that I have made to the account. On XX/XX/XXXX : The Consumer Financial Protection Bureau announced Thursday ( XX/XX/XXXX ) that it has leveled a {$100.00} XXXX fine at Bank of America for allegedly messing up the disbursement of state unemployment benefits during the pandemic. Bank of America reportedly automatically and unlawfully froze peoples accounts with a flawed fraud detection program, according to a CFPB press release. The CFPB also alleged the bank didnt offer impacted individuals much recourse, even if there was no fraud. ( XXXX XXXX /XXXX/news/cfpbXXXX/cfpb-fines-bank-of-america-XXXX-over-alleged-unlawful-account-freezing/ ) According to several different Bank of America employees that I spoke to during the week of XX/XX/XXXX they have a right to freeze my account. They suggested I speak to the law firm of XXXX XXXX. XXXX. An attorney at XXXX XXXX. XXXX in XXXX, Maryland who I had emailed about the freeze before making some of the phone calls suggested I call Bank of America. Bank of America knows that I have applied for Homeowner Assistance Funds and have a HAF letter from the XXXX, DC Government office handling HAF ( https : //haf.dc.gov/ ). The attorney I spoke to at XXXX XXXX. XXXX has told me several times I am not in foreclosure. Regardless of this, Bank of America has frozen access to my account. When I wanted to retrieve some documents for my tax preparation I wasn't able to. In addition I have an interest in reviewing my account history and reviewing different documents as I have always been able. In this age of paperless statements and paperless documents the customer should be able to access their online accounts. There are particular documents I am interested in printing out and forwarding to the CFPB and others but I can't do it because I am frozen out of the account. Bank of America is aware that I have made several complaints to the CFPB and may be trying to stop me from accessing my loan documents ( I don't know ). I should be allowed access to my loan history and all documents and be able to review all of them. In addition Bank of America has returned over fifteen payments I have made to them. One bank of America employee who I spoke to on XX/XX/XXXX said this should not be happening and he corrected the error on XX/XX/XXXX but the " error '' came back in XXXX of XXXX. When I mentioned this to the employees I spoke to during the week of XX/XX/XXXX they were not able or not interested in reversing the computer to allow me to make payments. In light of the XX/XX/XXXX ruling from the CFPB I believe that the freezing of my account is unlawful.
Frequently Asked Questions
What is Complaint #6853106 about?
Complaint #6853106 was filed against Bank Of America, National Association regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2023-04-17T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Mortgage) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.