Credit card -- Trouble using your card -- Complaint #8173384
Complaint Overview
Complaint ID: 8173384
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: California
ZIP Code: 94087
Date Received: 2024-01-13T12:00:00-05:00
Date Sent to Company: 2024-01-13T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Recently, I opened a Bank of America 's ( BOA ) Travel Rewards VISA card for my international trips. However, every transactions outside the US instantly locked the card. For example, a {$6.00} usage at XXXX in XXXX, XXXX triggered the lock. Every time I have to spend 15+ minutes of waiting time to reach BOA for unlocking the Visa card. I was told to log into the BOA mobile application locally before using the card but the tip has been proved useless. Hence, the Visa card has been locked many times and totally useable abroad. The whole purpose of this card is for overseas traveling. I have spent days and hours everyday to reach BoA Fraud department to unlock the card. What a waste of time it is for everyone. Not only BoA can't provide a solution, but at the end they ask me to visit a local financial center with two photo IDs to validate myself. I am afraid they will ask me to fly to BoA 's HQ to validate myself. This is outrageous as all my domestic use of the card has no issues whatsoever. If BoA dislikes my foreign usage of the Travel Rewards VISA, why do they advertise falsely? BoA 's fraud detection algorithm is a harassment to the customers. I have XXXX XXXX XXXX and it works flawlessly. Please prevent BoA from advertising the Travel Rewards VISA falsely. It's only a XXXX XXXX. This is not the first time I notice unfriendly practice of BoA credit cards. When my son obtained a college Visa card the past summer. He couldn't use the card for the first month, we had to call many times in vein. And we visited a branch office at the end to make it work. BoA never puts customers ' interests in top priority.
Frequently Asked Questions
What is Complaint #8173384 about?
Complaint #8173384 was filed against Bank Of America, National Association regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-01-13T12:00:00-05:00.
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.