Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #6220898
Complaint Overview
Complaint ID: 6220898
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Didn't receive advertised or promotional terms
State: Oregon
ZIP Code: 97217
Date Received: 2022-11-18T12:00:00-05:00
Date Sent to Company: 2022-11-18T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I activated an offer on XXXX on my credit card for a 10 % cash back ( max. {$45.00} ) at XXXX on XX/XX/2022 and made a purchase using said card directly with the merchant same day. Note that the cash back promotion deal only states : " Offer expires XX/XX/2022. Payment must be made directly with the merchant. Offer not valid on third-party services. Payment must be made on or before offer expiration date. '' I inquired with a Bank of America representative about this issue on the evening of XX/XX/XXXX who was unable to resolve my concerns about the deal and told me to call back the following day. I called again on XX/XX/XXXX and the Bank of American representative informed me that I was ineligible for the cash back promotion due to the posted date being a day late despite the transaction date being on XX/XX/2022. Please note that the promotion does not specify the date in which the payment needs to be posted by. Only that a payment needs to be made on or before expiration date which should include any pending/processing transactions.
Frequently Asked Questions
What is Complaint #6220898 about?
Complaint #6220898 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2022-11-18T12:00:00-05:00.
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.