Review and analysis of over 153 complaints against Bank of America
Bank of America consumers have reported over 153 official complaints related to Credit determination. Out of the 153 consumer complaints against Bank of America, 31% were disputed by the consumer (i.e. the consumer was not happy with how Bank of America responded to their complaint) and 97% were processed in a timely manner. 1% of consumer complaints against Bank of America resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 14% resulted in non-monetary compensation.
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Bank of America Credit card credit determination March 7, 2017 - I have worked very hard over 25 years to have outstanding credit. I have all credit card statements sent to me by post each month and pay my credit card Statement in full, each month. For reasons I will never know, I did not receive statements from Bank of America for the months of --/-/-. When I inquired about this and finally received hard copies on -/-/- I paid the amount in full the same day and they willingly removed the delinquency fees. When I asked them to send me proof that the bills had been sent each month so that I could work with the US Postal Service to find the ... |
Bank of America Credit card credit determination February 14, 2017 - A credit card from Bank of America is on my credit report. I do not have this card. I beleave my ex wife has it and wont take me off of the card. I am since remarried and we are trying to buy a home but the amount on this card is a real problem.... |
Bank of America Credit card credit determination February 10, 2017 - I noticed recently that on my credit report there is a potential negative information posted on -/-/2017 I have a Bank Of America Master Card with $31000.00 credit limit. My balance on card was reported $31000.00 which is true but it exceeded due to the Interest/Service fees charged by Bank of America As we know credit card company never authorize any charge over credit limit.... |
Bank of America Credit card credit determination January 23, 2017 - Below is a letter that I sent to B of A today that outlines my problem fairly clearly : -/-/2017 Re : Consumer Financial Protection Bureau / Case no. - Account number : - Dear - -, You sent me a letter -/-/- ( copy enclosed ) in which you asked me for information that you stated the Federal Government needed to keep my credit card account open. I demurred in giving you some of this information ( for instance, where I worked and what I did ) saying it was none of Bank of America 's business since I had had an existing credit card in good standing. You responded by closing my ... |
Bank of America Credit card credit determination January 4, 2017 - In - I received a replacement Business Credit card for the one that was do to expire in - 2017. I activate the new card and destroy it by mistake and kept the old card when I call Bank of America customer service they said I would receive a new card in two days. Three days later a Bank of America complience office call me and said I would to call to unlock my consumer credit file which is frozen because I am a victim of ID thief. First he gave me to wrong number then when I call Bank of America they told I would have to take a hard hit on my score. Since I can see my credit score on the ... |
Bank of America Credit card credit determination December 26, 2016 - I have been with Bank of America for the last 7 years along with a Small Business Account since -/-/2014. The local Bank of America Bank asks me each time I go into their location, to open up a credit card. Each time I tell them that I understood you need - credit scores, as mine is at the - range ( personal account not business ). They told me no things have changed, etc. I went ahead and took the Credit plunge and tried to open the account. I was turned down as I expected and it was explained that I had credit issues back 4 years ago with my personal credit not business credit. Yes... |
Bank of America Credit card credit determination November 15, 2016 - My business went bankrupt after the crash of our local economy around 2009. Now that I have a job again, I have been trying to settle my credit card debt with Bank of America but I have found that the banks have written off the debt and will not allow me to settle with them but they also refuse to remove the judgement from my credit report which is giving me a low credit score and keeps me from being able to refinance my home. I am trying to recover financially from this failed economy but the banks that were bailed out are preventing me the consumer from any recovery financially. HELP!!... |
Bank of America Credit card credit determination November 7, 2016 - In -, I opened a Secured Credit Card with Bank of America of - dollars, I used it properly and I always made the payments on time. In -, I decided to close it because I had some inconveniencies with this Bank and they did not informed me that I had to pay some extra fees for using the Secured Credit Card. They did not educate me on managing the Credit properly and did not inform me neither that I had to pay some fees. After a month, I paid what I owned, it was not more that - dollars but they had already reported me to the Credit Bureau and it is affected negatively my Credit. L... |
Bank of America Credit card credit determination October 20, 2016 - I was declined for a credit card ; however, with - and a great income the denial reasons provided and the credit factors from the credit reporting agency ( -, - ), I can only assume I was discriminated against based on my gender and marital status.... |
Bank of America Credit card credit determination October 18, 2016 - As I await an answer from Bank of America, regarding Complaint -, I have received yet another pre-selected credit card offer, with the same exact criteria, as sent in two previous offers, though, when I applied, they denied my application. Again, I am wondering what exactly has changed, since the BOA system seems to continue to generate and send these offers with guarantees, BOA has no intention of fulfilling.... |
Bank of America Credit card credit determination September 27, 2016 - A few years ago Bank of America charged off a closed credit card balance against which I had been making mutually agreed upon, monthly, on-time payments. While they admitted it was not my fault, they also told me they could n't rectify the problem even though it negatively effected my credit. ( Unfortunately I did n't know about you guys. ) After this I continued to make mutually agreed upon, monthly, on-time payments. Recently with the same account, Bank of America failed to report my payments to - and - ( and probably -, but I did n't obtain that report ) for at least 12 months- -... |
Bank of America Credit card credit determination August 19, 2016 - I applied for a credit card from Bank of America and they denied me credit saying that I have a past due account with them and - of their associate companies when I do n't have any account with them and do n't have any past due accounts at all. All of my credit accounts are current and never have been past due.... |
Bank of America Credit card credit determination August 15, 2016 - I obtained a secured credit card from Bank America in - -. I provided $99.00 and received a $500.00 credit limit with the " opportunity '' to increase the limit and have my deposit returned after six months. At the same time, I was issued an unsecured credit card for $7000.00 with -. I used the BA card and paid the total balance faithfully over the next six months. At that time I requested and increase and return of my deposit. I was refused and told to re-request at my one year anniversary. Over the period of this past year I worked on restoring my credit rating with - up to... |
Bank of America Credit card credit determination July 28, 2016 - I recently applied for a - credit card with Bank of America, and it was not approved. The letter I received said " we were unable to approve the [ card ] you requested because the amount of credit extended to you by us and/or our affiliates is adequate. '' Since I did not have an interest in increasing the total amount of credit I had with Bank of America, but only in getting this credit card, I called Bank of America to ask if they could transfer some of my existing credit to the new card. I was told they could not, because the OCC does n't allow graduate students to have more than - ca... |
Bank of America Credit card credit determination July 24, 2016 - In - 2016 I received my statement from Bank of America with a balance of $48.00. I scheduled payment in time for the due date for the full amount as I always pay all my credit cards are paid in full monthly. By mistake I clicked on the wrong line on bill pay and sent the money somewhere else. I have proof of this. I then received a statement from Bank of America in - showing the amount was not paid. I immediately called Bank of America and explained. They told me that due to my excellent history there was no issue, all I had to do was pay the amount which I did. I received last week a ... |
Bank of America Credit card credit determination July 22, 2016 - -/-/- - - - - - - - - # -, -, CA - - Bank of America, - - -, - -, T- - Re : Unauthorized Credit Inquiry SSN # - -/-/- and -/-/- Dear Bank of America, I recently received a copy of my - credit report. The credit report showed a - credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I have ... |
Bank of America Credit card credit determination July 17, 2016 - I joined - to check my credit score. I have a delinquent/derogatory Bank of America credit card account listed. I 've never had a BOA credit card. The account was opened in -, I was born in -. It was closed in -. How do I get this removed from my report?... |
Bank of America Credit card credit determination June 28, 2016 - I am current customer of Bank of America ( BOA ) for ten years. During a branch visit on Friday, - -, 2016 to have a debit card re-issued, a BOA Branch representative offered me BOA Cash Rewards credit card based upon the fact that I maintain over well over one thousand dollars daily balance with those merits I told I would receive a BOA Cash Rewards credit card. I signed some general documents and other products and spent about 1.5 hours of my time with the representative. The Branch manager came in on the end to congratulate me on accepting the offer. I was also encouraged to complete ... |
Bank of America Credit card credit determination June 27, 2016 - I have not requested or authorized - - - or - - - credit to make any inquiries into my credit file... |
Bank of America Credit card credit determination May 19, 2016 - While Bank of America has a right to extend or withdrawal a credit line at their leisure. I find their business practice to reduce a $9000.00 credit line to $500.00 on a perfect payment history and sufficient income to meed internal fiscal goals and lay a bogus claim that I 'm not a good risk with an average credit score and average spending and borrowing habits very concerning. Their action while it may server their purpose whatever that might be affects my credit rating, a rating I 've been working on for a long time to establish in a purley positive direction. Their action will take up ... |
Bank of America Credit card credit determination April 15, 2016 - This is in reference to my previous complaint : Case number : - still have the same issue. The bank apologized and confirmed it wo n't happen again but I still see the same issue where my credit card disappears from my online account after - of every month, so I am unable to check my transaction status online. I am wondering if I should file legal action to have this issue fixed once and for all, since the bank does n't seem to take this issue seriously or do anything about it yet. ... |
Bank of America Credit card credit determination March 15, 2016 - I have been a credit card holder at bank of america for a while, and I recently applied for joint co-ownership of a travel rewards credit card since - 2015. Every single month when the statement is due my travel rewards account disappears from online account when I sign in. I call them every single month to be able to see it and they assured me this wo n't happen again since -, but they have n't done anything about it. Without being able to see my account online I wo n't be able to pay my payments on time, which I am afraid will affect my credit score. I ca n't even close my account as i... |
Bank of America Credit card credit determination February 13, 2016 - I have been a customer of Bank of America since -, but I have --30 day credit marks with them. I am unable to get consistent information. I have tried to get the due date changed because I changed jobs. I was even told by customer rep that I had to give the name of my employer to update my information, I advised them I ca n't get calls at my job unless it 's an emergency. They called my former employer several times in - even though I no longer worked there and I told them this information. I want all negative credit marks removed and the credit bureaus advised me that Bank of America... |
Bank of America Credit card credit determination February 12, 2016 - CASE ID : Previous CFPB filed - -, 2013 case number is : # - against the credit reporting agencies included correcting the BOA Credit Card Judgement issue. Current credit card report received yesterday from - & - show that BOA Credit Card did not take action to correct or settle this complaint. Negative is still showing by the credit card reporting agencies due to negligence of BOA Credit Card Dept. ... |
Bank of America Credit card credit determination November 12, 2015 - On -/-/-, I received a bombshell letter from one of my credit card companies, FIA Card Services ( Fidelity Investments ) saying that my MasterCard account had been canceled for - reasons : history of delinquency ; balance relative to credit lines too high. Neither is true. I 've had the account since -/-/-, and I 've never once been late. For the last - years, I 've paid all my credit card balances in full each month. Of my available credit, I utilize less than - %. How can anyone consider that excessive? The delinquent '' bill in question turned out to my Bank of America M... |
Bank of America Credit card credit determination November 4, 2015 - i like fia and do not want to do this. FIA card services i asked for credit line increrase on card ending - was declined for reasons not accurate. i have not asked before now. and i do pay. i was granted - on another card recently. with it this way i will not use it much. these reasons are inaccurate. i ask for someone to check it since i can not wait on hold all day i wanted - line now there is a hit on my credit card line. ... |
Bank of America Credit card credit determination October 22, 2015 - Since -, - I have attempted to get Bank of America to correct the date of my oldest credit line from - to -. My credit card with this Bank states that I am a card holder since -. My account number may have changed, but I have used a BoA credit card well before -. My credit rating has suffered, because I rank a B in terms of Oldest Credit Line '' in light of BoA 's wrong reporting. I have regularly sought to get BoA to correct their dating mistake without success. I understand that the FCRA requires action within 30 days. BoA has dithered and refused to correct their mistake ... |
Bank of America Credit card credit determination September 26, 2015 - - ruined my credit rating. ... |
Bank of America Credit card credit determination September 25, 2015 - I had a Bank of America Visa which had no balance. BofA started charging me a monthly fee for not carrying a balance without notice, then reported me to - for not paying. The amount? - dollars. This cause the rates to rise on all my accounts because my credit score went down. This is borderline extortion. ... |
Bank of America Credit card credit determination September 1, 2015 - Ref : Bank of AmericaI have been working with a loan modification since 2010 bank of america and since then bank has damaged my credit ; I have a credit card with the bank never paid late bank has reported on my credit file I filed Bankruptcy never did. Lender has denied me to reopen my account after I settled loan modification and has discriminated me on my credit application or denied credit. I explained never had or claimed bankruptcy and bank america still showing it on my credit report and refused to deleted error inf.. Can not apply for any credit card and my credit has been damaged by t... |
Bank of America Credit card credit determination August 3, 2015 - Bank of America reduced my credit card limit, damaging my credit while I paid my out my amount in full and being a good payment ... |
Bank of America Credit card credit determination July 9, 2015 - I was solicited by Bank of America for a Mastercard -/-/-. I applied for the card and was accepted. -/-/-, I was solicited for a - card, a - card. Since this was my alma mater for both of my degrees, I applied for this credit card. I was rejected for this - card, with the explanation given that you have current or past delinquency on your account ( s ) with us and/or our affiliates. '' The subsequent paragraph stated that This decision was based upon an assessment of your application, current economic trends and a copy of your credit report or reports. I immediately wrote... |
Bank of America Credit card credit determination June 12, 2015 - I filed complaint against Bank of America refused to serve me a new credit card application because of overdraft history and bad credit records in their discrimination against American with Disabilities Act, so they do not interest in American with Disabilities Act 1990, Please relocate me to other bank institution what they denied my credit card application discrimination against - - - from Bank of America. They do not want me applying a credit card with reward points that they do not like my appearance and - issues. I complain against Bank of America that they insulted me in -... |
Bank of America Credit card credit determination June 12, 2015 - I received a response letter from Bank of America dated -/-/-. The letter was addressed to - - - -, my name is - - -. The letter explains due to a current or past delinquency my application for a credit card was denied. The letter also states that Bank of America bases their credit decision on information we have available on existing accounts and the applicant 's credit bureau report. I retrieved a copy of my credit report from - and attached the summary report confirming NO POTENTIAL NEGATIVE items were on my report and - accounts were in good standing. Bank o... |
Bank of America Credit card credit determination June 2, 2015 - The Honorable FDIC Complaints Request Response to - SENATORS REQUESTS : i filed charging highest-complaints against Bank of America in breaking record requests notification to - Senators and - - at formal requests : I am not happy with Bank of America refused serve to a - individual who applied credit card made declined and they made denial credit card because of overdraft and worst horror credit records discrimination addresses as they insulted me in - call out addresses report to - Senators and - - knowledge what wrong with Bank of America. Bank of America made hat... |
Bank of America Credit card credit determination May 26, 2015 - I have received multiple invitations to apply for a credit card through AAA - - - New York Visa Signature. The review was performed by Bank of America. I received a decline notification in the mail stating they were unable to approve my request because I had a current or past delinquency on my account ( - ) with BOA or their affiliates. I was stunned and immediately pulled a free copy of my credit report from -. - was used by BOA to assess my credit worthiness. After pulling my report, my report confirmed NO POTENTIAL NEGATIVE and I had - ACCOUNTS IN GOOD STANDING. I also ... |