Credit card -- Getting a credit card -- Complaint #8012591
Complaint Overview
Complaint ID: 8012591
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened without my consent or knowledge
State: New York
ZIP Code: XXXXX
Date Received: 2023-12-16T12:00:00-05:00
Date Sent to Company: 2023-12-16T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A fraudulent credit card may have been opened on my account and Bank of America refuses to take action or even investigate. On XX/XX/23, I attempted to log into my online account but could not because of a technical error with Bank of America where they can not send an SMS to my phone. They tell me to go to a financial service center with two forms of ID and then lock my account. But I am about to travel to XXXX for a month over the holidays. They refuse to help me and hang up on me. On XX/XX/23, I try again to log in online, and it asks me to verify the XXXX and expiration for a credit card that I do NOT own. I only own XXXX account with Bank of America, which does not end in those numbers. I call them again because this seems to be fraud. They refuse to investigate and tell me to go to a Financial Services center, which I can not do because I am out of the country. They hang up on me again. I now seem to have a fraudulent trade line on my account, activated and in use, and there is nothing I can do about it until I come home next month and visit a branch in person.
Frequently Asked Questions
What is Complaint #8012591 about?
Complaint #8012591 was filed against Bank Of America, National Association regarding Credit card specifically about Getting a credit card. It was received by the CFPB on 2023-12-16T12:00:00-05:00.
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) 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.