Bank of America Consumer Loan Complaint

Bank of America Consumer Loan department,

Vehicle loan Taking out the loan or lease California

I submitted - applications through the Bank of America, which were both declined and as a result, have negatively affected my credit score due to the number of credit enquiries. The first application submitted for an additional credit card was declined due to not having a 'credit history '. I was issued a letter outing this however, no information was provided to me confirming what the Bank of America classifies as a 'credit history ', how long it would take to establish a 'credit history ' or what I could do to establish a 'credit history '. I did not receive a follow-up phone call or information advising where I could access this information. The second application for refinancing on an auto loan I submitted on - -, 2016. I submitted my second application confidently once I was given strong advice by - of your employees that I would not have an issue with the approval of this application given I have been banking with Bank of America for over a year and other factors that were discussed. These employees were - -, a personal banker and the - -, - - location and - -, a relationship manager at the - - -, - - location. My - application for refinancing was declined due to not having a 'credit history '.