Consumer complaint received 2021-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
This is an additional complaint to Bank of America. My current complaint is for CFPB Complaint ID XXXX which is citing the banks RESPA and ECOA violations for not rendering a credit decision within 30 days of receiving a credit application from me with the XXXX elements that are required ( Name, Income, Social Security Number, Property Address, Estimated Value and Mortgage Loan Amount sought ). This complaint is open and still being investigated. 

Regarding Mortgage Application : My new complaint is that I have repetitively asked for a copy of the invoices for the credit report and appraisal fees that were collected from me upfront in the total amount of {$1200.00}. The credit report fee was {$30.00}- which seems reasonable, however, the appraisal fee of {$1200.00} is high. I agreed to this fee but after the appraisal was delivered on XX/XX/2021 I have asked for a copy of the invoice for the appraisal and credit report fees to confirm that they are not profiteering from the 3rd party appraisal services, but to this date they have not been able to provide me with a copy of the appraisal report. 

I have asked XXXX XXXX at XXXX Ext XXXX for a copy of the invoices and he said he can't see them and will try to locate them for me as of XX/XX/2021. The appraisal report was delivered to Bank of America on XX/XX/2021 and the credit report was delivered on XX/XX/2021. There is no reason why they can't provide me with a copy of these 2 invoices. I asked XXXX XXXX for his email address and he refused to provide it to me for security reasons. He stated that they have sensitive financial information at the bank - such as account numbers and social security numbers- and somehow him providing me with his email address would compromise the bank 's security. He also told me on a recorded line that the credit report was {$28.00} but somehow they charged me {$30.00}- which is the violation I am seeking to uncover. XXXX 's email is his XXXXXXXX XXXXXXXX. I already knew what his email address was based on the corporate email format, but found it very interesting that he would not share it with me. I felt that I was being discriminated against as an XXXX  XXXX. I felt that I was being spoken down and that I am ignorant because I am an XXXX  XXXX  that wasn't born her. 

The appraiser who conducted the appraisal was XXXX XXXX XXXX California XXXX of Real Estate Appraiser 's License Number : XXXX. I have reached out to him for the invoice he sent the Appraisal Management Company and have not heard back from him. His number is XXXX and his email is XXXX. 

I would like a copy of his invoice that was submitted to match it to the one that Bank of America producers to ensure that Bank of America does not internally alter the invoice that they are allegedly profiteering from. 

I can be reached at XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief