Bank of America, National Association Corporate

Complaint ID: 7506008

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7505635

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Problem when making payments

Subissue: Problem during payment process

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: I tried to use my card on XX/XX/XXXX in XXXX XXXX for about {$11.00} and Bank of America blocked my card. Unfortunately, being in rural XXXX XXXX, I was not able to immediately call and try to authorize the charge. When I was able to get to a place with cell phone reception, I called Bank of America and they refused to unblock my card unless I came into a financial center. This is not possible as I am in XXXX XXXX and they do not have centers in XXXX XXXX. I am not able to return to the US until XX/XX/XXXX. I alerted the agent to this problem and asked to speak to a supervisor and I was refused that request as well. I further explained that I had a balance on the card that needs to be paid, but that I can not do that as long as the card is blocked. The agent provided a phone number to an automated phone payment system, but I am not able to access that either as long as the card is blocked ( redirected back to the fraud center automatically ). A further chat with a new agent further confirmed that I have no way to make a payment on the card currently, but am liable for the payment and will receive fines and fees if I do not pay it.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7505397

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Fees or interest

Subissue: Charged too much interest

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: I've been having credit card with Bank of America for years and I just heard that this bank has been improperly charging extra fees and withholding reward. I think I'm one of these victims.,

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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