Credit card or prepaid card -- Getting a credit card -- Complaint #5943063
Complaint Overview
Complaint ID: 5943063
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: Florida
ZIP Code: 322XX
Date Received: 2022-09-01T12:00:00-05:00
Date Sent to Company: 2022-09-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I went into the Bank of America location on XXXX XXXX, XXXX, Florida. I wanted to know if the I could bring my bills and offset them with my SSN credit card, pursuant to 28 USC 3002 ( 3 ) ( A ) ( B ) and 18 USC 8. I was told that the bank was not setup to do that for a customer. I then applied for a XXXX XXXX credit card and I was denied for that credit card. On XX/XX/XXXXXXXX, I received an email notification that stated, " In response to your application, Application Decision Reference Number XXXX We're sorry- we can't approve your request for our XXXX XXXXXXXX XXXX " We carefully reviewed your application, credit report ( s ) provided by credit reporting agencies and your relationship with us. Unfortunately, we weren't able to approve your request. We're sending you a letter with more detailed information and instructions on how to obtain a copy of your credit report. The letter also explains that the balance transfer requests included with your credit application won't be processed. '' My right to credit was denied. Bank of America is in my community as indicated by my zip code and has never loaned nor extended credit to me as a consumer. I am an XXXX XXXX and denied my right that was 28 USC 3002 allows for benefit of an individual XXXX. My initial request did not require a credit check because credit is my right. I also have an account with Bank of America. Additionally, I did not request a balance transfer with the credit application. Pursuant to the Equal Credit Opportunity Act, I was discriminated against for exercising my right under the federal credit laws. I have disputed errors in my credit reports.
Frequently Asked Questions
What is Complaint #5943063 about?
Complaint #5943063 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 2022-09-01T12:00:00-05:00.
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.