Credit card or prepaid card -- Trouble using your card -- Complaint #5168838
Complaint Overview
Complaint ID: 5168838
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Washington
ZIP Code: 98166
Date Received: 2022-01-31T12:00:00-05:00
Date Sent to Company: 2022-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Every month for the last few months, when I pay the balance of my credit card, Bank Of America adds a " Pending Transaction '' for the Amount that I have paid that falls off after XXXX days thus locking out my ability to use my credit card. This time, I am on a work trip in FL and need a credit card for Expenses and I can't use my card. This is not my only issue. It is a Secured card, I provided bank of America XXXX to secure the XXXX credit Limit when I moved to the US in XXXX 2016. Yes I have now had the card for over XXXX years and It is STILL Secured. My credit fluctuates as I have been going through a divorce, however I have not missed a payment in the last XXXX years and usually pay the balance off near the end of the month.
Frequently Asked Questions
What is Complaint #5168838 about?
Complaint #5168838 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2022-01-31T12:00:00-05:00.
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 or prepaid 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.