Credit card or prepaid card -- Getting a credit card -- Complaint #5681190
Complaint Overview
Complaint ID: 5681190
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: Delay in processing application
State: Tennessee
ZIP Code: 37027
Date Received: 2022-06-17T12:00:00-05:00
Date Sent to Company: 2022-06-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I submitted my application for a credit card on XX/XX/XXXX and heard nothing from Bank of America. I called on XX/XX/XXXX and they advised that my application was held for review because they needed to confirm my identity to prevent fraud. I confirmed my identity and then sent me to credit. They advised that they would approve and issue a credit card, but then I never received anything. I called again on XX/XX/XXXX but they had not approved. In addition, they advised that they couldn't now decision because my credit was pulled over 30 days ago. I unfroze my credit and called back on XX/XX/XXXX to advise that my credit was unfrozen. I spoke with an analyst and they advised they pulled my credit and once again sent me to confirm my identity to prevent fraud. A few weeks past and again I heard nothing. I called back on XX/XX/XXXX and confirmed my identity yet again and was sent to the credit department AGAIN... only to learn that I was not approved. They requested that they do a hard inquiry AGAIN on my credit to review the application. At this point, after calling in 4x and given the run-around, I no longer trust their customer service AT ALL. I was appalled that this is how they would treat a long time customer at the only bank I have ever banked with. I am a Preferred Customer with a superior credit score and they couldn't approve my application in over 2 months. I am now debating on leaving BofA for XXXX. I will suggest to all of my colleagues in the financial services industry that I work in to utilize any credit card BUT the BofA credit card due to their horrendous customer service.
Frequently Asked Questions
What is Complaint #5681190 about?
Complaint #5681190 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 2022-06-17T12:00:00-05:00.
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.