Credit card -- Struggling to pay your bill -- Complaint #11048515
Complaint Overview
Complaint ID: 11048515
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: Massachusetts
ZIP Code: 021XX
Date Received: 2024-12-05T12:00:00-05:00
Date Sent to Company: 2024-12-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
Beginning XXXX or so, there have been series of requests 1. to assist me in the emergency situation and 2, to reduce or to suspend my payments for a few months, Then there was a request to close my account XXXX and to let me change my address, There have been THREE complaints filed with CFPB - two complaints of XX/XX/year> and one complaint of XX/XX/year>. The only replies provided by this predatory company have been " the company is still working on response ''. Meantime, they have been bombarding me with demands of the ever increasing payments. Well, the attack of the XXXX, Bank of America, and XXXX on my credit worthiness via cutting off my credit lines and making the credit to debt ratio less than 1:1, FOR NO REASON, killed my business and any possibility of my ever being able to pay off my credit cards. Before the credit card cumulative attack a few months ago, my credit rating was VERY GOOD and THERE HAD BEEN NO LATE PAYMENTS EVER,. As of today, my credit rating is " poor '' and I am a total financial and physical ruin, I can not file for bankruptcy from XXXX, And I can not return to the XXXX, because, as of today, my only income is a very small SSA, I have only one working credit card left- XXXX with the credit limit {$2000.00}. My business has been killed by the credit cards and credit bureaus, I do not feel responsible for any nonworking credit cards, which remain open with the only purpose- to multiply the bank bills and fees. The only credit card I am responsible for is XXXX with the credit limit of {$2000.00} the limit remains what it is and has been, I have been repeatedly demanding that Bank of Amerika close my account XXXX. And now I demand that they close my XXXX Rewards card XXXX, because a week ago they declined payment for a grocery bill. I ALSO DEMAND YET AGAIN THAT THEY CEASE AND DESIST, I shall file for bankruptcy as soon as I can find an attorney who will be willing to do it free of charge,
Frequently Asked Questions
What is Complaint #11048515 about?
Complaint #11048515 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 2024-12-05T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with non-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 (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.