Credit card or prepaid card -- Getting a credit card -- Complaint #6884642
Complaint Overview
Complaint ID: 6884642
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: Massachusetts
ZIP Code: 02122
Date Received: 2023-04-24T12:00:00-05:00
Date Sent to Company: 2023-04-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Last 2 years ago, I had opened up an account for a debit card at Bank Of America. Everything was working perfectly fine, It was my favorite bank so far other than using XXXX XXXX. I used it for everything, my work checks, purchasing items, sending money, ect. I had it only for couple months. After a few months of using the card, I had went out to a party & lost my whole wallet which it included my Bank of America Card. I didn't realize that i've lost my wallet until few days later, the minute i found out i went onto my BOA app and locked my card immediately. I made an appointment to go in & tell them what happened so i can get a new card replacement. They told me I am no longer & banned from creating any account or getting a card from Bank Of America. The XXXX lady told me that there was a fake check or fraud activity that happened on the account! I told her it was not me and none of it was my actions. I didn't know what was going on. She gave me a number to call and talk to the agents but at that time, i didn't take it too serious and was rushing to just get a card so i can make sure my direct deposit checks was coming in still. I ended up moving on to just stick with my other debit card which is my XXXX XXXX card. As soon as a i turned XXXX ( which i turned XXXX 4 months ago ) I wanted to apply for a credit card to start building credit .... Every single one of the credit applications had denied me! I got a mail sent home to tell me what was the reason, coming to find out i am on the blacklist. I had no idea this would affect my future. It is unfair to me because I lost the card before i turned XXXX, somebody took advantage of it and used it to try putting in fake checks. Now that i am XXXX and actually have plans ahead of me, i can't even start building my credit because of something that happened 2 years ago that was out of my hands and control!
Frequently Asked Questions
What is Complaint #6884642 about?
Complaint #6884642 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 2023-04-24T12:00:00-05:00.
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.