Credit card -- Getting a credit card -- Complaint #19637976
Complaint Overview
Complaint ID: 19637976
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Delay in processing application
State: California
ZIP Code: 91606
Date Received: 2026-02-19T12:00:00-05:00
Date Sent to Company: 2026-02-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Company Bank of America Product Credit card Issue Credit card application processing delay ; document handling failure ; application expired due to bank delays ; hard inquiry concerns. Complaint narrative On XX/XX/XXXX, I applied by phone for the Bank of America XXXX XXXX XXXX Credit Card after receiving a targeted promotion and being encouraged to apply. During the phone application, I was told the application was rejected immediately and to wait for a letter for next steps. I later received a letter requesting pay stubs, which I provided. Bank of America then repeatedly stated the application was still being processed, later said they never received my documents, and after I resubmitted and they confirmed receipt, they refused to process the application because it exceeded a XXXXday window and required me to reapply with another hard credit inquiry. Timeline XXXX. XX/XX/XXXX : Applied by phone. Told rejected immediately. No reason provided. Told to wait for a letter. XXXX. Late XX/XX/XXXX : Received a letter requesting pay stubs. XXXX. XX/XX/XXXX : Submitted requested pay stubs by mail ( submission XXXX XXXX ). XXXX. XXXX XXXX : Called multiple times for status. Repeatedly told the application was still being processed. XXXX. XX/XX/XXXX : During a phone call, told Bank of America never received my documents. I resubmitted pay stubs by XXXX mail ( submission XXXX XXXX ). XXXX. XX/XX/XXXX : XXXX tracking shows delivery of submission XXXX XXXX ( proof attached ). XXXX. XX/XX/XXXX : Bank of America confirmed receipt of the documents but stated the application could not be processed because it was outside a XXXXday window and I must reapply. Bank of America also stated they will not reuse the original credit report and will not process a second application with a soft pull, meaning an additional hard inquiry would be required. Impact/Harm XXXX I complied with every request and submitted required documents twice due to Bank of Americas document intake/processing failures. XXXX The application remained unresolved for months and then timed out due to bank-side delays after I was told multiple times it was still being processed. XXXX A hard inquiry was already placed for this application, and Bank of America is now requiring another hard inquiry due to its processing failures. XXXX I have been a Bank of America customer for approximately XXXX years. This has been extremely time-consuming and frustrating.
Frequently Asked Questions
What is Complaint #19637976 about?
Complaint #19637976 was filed against Bank Of America, National Association regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2026-02-19T12:00:00-05:00.
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.