Credit card or prepaid card -- Problem when making payments -- Complaint #5617142
Complaint Overview
Complaint ID: 5617142
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Massachusetts
ZIP Code: 02116
Date Received: 2022-05-30T12:00:00-05:00
Date Sent to Company: 2022-05-30T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, Im writing to complain about onerous hurdles and false information given by Bank of America in relation to paying my bill for my Bank of America credit card. I have been a Bank of America customer for nearly 20 years and until XXXX I had both a checking account and a credit card with them. In XXXX however I closed my checking account and moved it to another institution. Since then, managing my Bank of America credit card has been significantly more difficult as Bank of America will not enable me to make payments online, including automated recurring payments, but rather forces me to call each month and pay over the phone. Ive managed this hassle of a process for a few years now but this spring, in XX/XX/XXXX, I forgot to call and missed a payment. Next thing I know, I get an alert from another institution that my credit score has changed. When I looked into it, I saw that my score had gone down significantly and I later confirmed that it was because of the missed payment with Bank of America. I called Bank of America and resolved the outstanding payment on XX/XX/XXXX, and also expressed my frustration that paying my bill was not possible online. The customer service team told me that I can pay online, however nearly a month later as of today ( XX/XX/XXXX ) I am still unable to pay my bill online. And since the customer service center is closed today, I have no way to pay my bill today whatsoever. I am writing to complaint about the onerous hurdles Bank of America has placed on my account, seemingly as punishment for not keeping a separate account open with them. Further, their team has given me false information about my ability to pay online. Because of these onerous treatments and false information, I have had a material negative impact to my personal finances and Bank of America has done nothing yet to rectify the situation.
Frequently Asked Questions
What is Complaint #5617142 about?
Complaint #5617142 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2022-05-30T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with 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 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.