Credit card or prepaid card -- Getting a credit card -- Complaint #5349063
Complaint Overview
Complaint ID: 5349063
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: Ohio
ZIP Code: XXXXX
Date Received: 2022-03-21T12:00:00-05:00
Date Sent to Company: 2022-03-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I had applied for a XXXX XXXX Credit Card with Bank of America on XX/XX/XXXX. Application number is XXXX. I called and spoke to a representative named XXXX in the credit department on XX/XX/XXXX and she did a 2nd review of my application and credit and still denied it on basis for grounds that I feel is discriminatory and demand that it be re-looked at again. She told me that I cant be approved because i had several secured credit cards and or loans in the past. Why does that matter. That builds credit. Them loans and credits were never defaulted and were paid as agreed. She asked me why my XXXX XXXX credit cards were closed by the grantor. Why, I will tell you why.. XX/XX/XXXX I had a disagreement with a rep from XXXX XXXX, I didnt keep my mouth shut, spoke my mind and they didnt like it and closed all my cards with them. Again, why does that matter. They were paid off, on time, and never late. How are you gon na base judgement on someone that had secured products in the past. Who cares. Thats down right discrimatory. You offer secured credit cards .... WHY ... .. FOR WHAT CAUSE. DO YOU DENY PEOPLE BECAUSE THEY HAD A SECURED PRODUCT OF YOURS IN THE PAST. I will take this matter to the highest level of court if i have to. The problem is that you know my credit is very good with a XXXX of XXXX at the time of application, and just trying to find little reasons to deny it.
Frequently Asked Questions
What is Complaint #5349063 about?
Complaint #5349063 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-03-21T12:00:00-05:00.
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.