Mortgage -- Trouble during payment process -- Complaint #9805060
Complaint Overview
Complaint ID: 9805060
Company: Bank Of America, National Association
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-Issue: Trying to communicate with the company to fix an issue while managing or servicing your loan
State: Florida
ZIP Code: 33598
Date Received: 2024-08-14T12:00:00-05:00
Date Sent to Company: 2024-08-14T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I received an alert that my HELOC card was trying to be used at store and that my card was being blocked. I reached out to Bank of America around XX/XX/XXXX and advised that it wasnt me who attempted the transaction. After logging into the account ; I noticed I couldnt see any of the transactions done on the card through the mobile app. Once I was able to get to my computer ; I noticed 5 other fraudulent charges that happened on my card. On XX/XX/XXXX, I spoke with an agent who said he had filed a dispute for the charges. After he did that he transferred me to the fraud department of the HELOC where I spoke to a woman who also stated that she disputed the charges. I call back the next day because I seen that the fraud alert was still attached to my account when I attempted to login. When I spoke to the rep XXXX, he advised me that he couldnt see any open or closed disputes on my account. Ive been told now around 4 times over the span of week an excuse why this bank isnt doing their job in removing the fraud block on my account and actually disputing the fraudulent charges. I have been told people will call me back and to no avail. Im at the point of wanting to get a lawyer involved for the TERRIBLE BUSINESS PRACTICES being committed by a bank that is supposed to protect me and my account against fraud. Also, havent received a notification of a new card being sent even though I sent a signed a letter with my DL and social security card attached requesting a new one. If this situation isnt rectified within the next 72 hours ; I will have no other choice but to start legal proceedings.
Frequently Asked Questions
What is Complaint #9805060 about?
Complaint #9805060 was filed against Bank Of America, National Association regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2024-08-14T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". 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.