Credit card -- Trouble using your card -- Complaint #14380383
Complaint Overview
Complaint ID: 14380383
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: New York
ZIP Code: 11510
Date Received: 2025-06-30T12:00:00-05:00
Date Sent to Company: 2025-06-30T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
around XXXX XX/XX/year> I was trying to checkout on a website for an engagement ring that was a little over XXXX. The first transaction was declined and I received a text. I said YES, waited a few minutes and tried again. So I tried a third time which was declined. And according to the bank when that happened it was because the website I was buying from declined it. So I spoke to the website and we went through a process and all should have been good. But when I tried to purchase again it was declined ; I signed into my online bank and saw that they declined it. So I called the bank again and after some back and forth they eventually told me I had to go into a physical bank and verify myself. It was XXXX over here, that's insane. I had the credit, I was concurrent on all payments, and they have no right to withhold my purchase just because they feel like it. They charge me fees and interest all the time. I have the right to use my credit card when I please. Especially after verifying myself.
Frequently Asked Questions
What is Complaint #14380383 about?
Complaint #14380383 was filed against Bank Of America, National Association regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2025-06-30T12:00:00-05:00.
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.