Credit card -- Struggling to pay your bill -- Complaint #10976890
Complaint Overview
Complaint ID: 10976890
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-Issue: Credit card company won't work with you while you're going through financial hardship
State: New Jersey
ZIP Code: 07002
Date Received: 2024-11-29T12:00:00-05:00
Date Sent to Company: 2024-11-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2024 I suddenly lost my job due to the company I was working for decided to no longer contract with the client company I was working at and therefore was laid off. Since then I have been struggling to pay all bills as I have been unemployed and only finding work perdiem ( as needed ) so therefore I was not able to make the monthly payments due. I contacted Bank of America credit card customer service to inform them of my financial hardship, but I was informed by a representative that there was nothing that could be done as they dont have any programs for those undergoing financial hardship. The only thing they did was refer me to a XXXX party company ( XXXX XXXX ) company. I contacted the company and underwent an assessment of expenses I have to pay monthly. After the assessment, I was told that my monthly expenses and bills exceeded my monthly income and just pay what I can afford on the credit card bill until my income status gets better. This did not resolve my issue as the monthly bill increased and APR interest rates increased making it even more difficult to pay. I called back Bank of America credit card company and complained that the company they referred me to did not help me, all the representative of Bank of America did was apologize profusely and that was all, so still my problem remains and I am completely devastated that as a loyal customer of Bank of America for 20plus years they refuse to give me grace and help. This is injustice and a disgrace that Bank of America represents themselves in such a manner. I need help to resolve this issue immediately.
Frequently Asked Questions
What is Complaint #10976890 about?
Complaint #10976890 was filed against Bank Of America, National Association regarding Credit card specifically about Struggling to pay your bill. It was received by the CFPB on 2024-11-29T12:00:00-05:00.
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 (Credit card) 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.