Bank of America Credit Card Complaint

Bank of America Credit card department,

Convenience checks New York

Bank of America sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. BoA called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by BoA. I was told that the reason for cancelling the transaction was that the my verification occurred hours after the call was initially placed to me, and that the department that needed to verify the transaction was closed, and that the BoA representative I called back to verify the transaction could not contact the necessary office ( it was closed ). I was also told that because I had no signature on file with BoA, they could not verify my transaction and, ultimately, that is why they cancelled my transaction. Bank of America then sent me a letter verifying the cancellation with no mention of why this cancellation was occurring. The letter contained a phone number to


call. BoA is not being transparent with consumers in regards to how they verify transactions and lure customers to use products without being forthcoming regarding the necessity of signature files etc. to verify transactions. BoA is also not forthcoming regarding how to resolve issues with customers as they gave me a number to call that was unable to give me any information and I was explicitly told by the BoA representatives that although I was given their number to call, that they had no information on my case. Customer Service Representative - said she was going into file a complaint on my behalf with Bank of America and a letter will be sent to me from BoA.