Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I APPLIED FOR MY 2ND BANK OF AMERICA CREDIT CARD IN XX/XX/2022. I ALREADY HAVE A CURRENT CREDIT CARD WITH THE BANK THAT I APPLIED FOR YEARS AGO AND WAS APPROVED. HOWEVER WITH THIS APPLICATION, I WAS SENT A LETTER IN THE MAIL, ASKING FOR MY SOCIAL SECURITY # & INCOME INFORMATION TO BE SENT VIA ALL PLACES, REGULAR POSTAL MAIL. THIS IN ITSELF IS BAFFELING TO ME AS WHY, IF I HAVE A CURRENT CREDIT CARD WITH THEM I WOULD NEED TO STILL VERIFY MY SS #? IT HASNT CHANGED!!! BUT I DONT EVEN MIND HAVING TO SEND THE INFORMATION IN, IN ORDER TO GET APPROVED FOR A NEW ACCT, BUT WHAT I DO HAVE AN ISSUE WITH IS THE MEANS BANK OF AMERICA IS ASKING ME TO SEND IN THIS INFORMATION!! 
SO LET ME SEE IF I GOT THIS RIGHT ( ROLLS EYES AS IM TYPING ) ...... 
BANK OF AMERICA IS TRYING TO VERIFY MY INFORMATION TO ENSURE ITS ME REALLY APPLYING AND THAT ITS NOT A FRAUDULENT APPLICATION... .. ( SO OBVIOUSLY THEY ARE CONCERNED ABOUT TRYING TO PREVENT FRAUD ) ... ..BUT THEY ASK FOR AN APPLICANT TO SEND, THRU THE MAIL, WHICH EVERYONE KNOWS THE MAIL IS NOTORIOUS FOR LOSING MAIL, CARRIERS STEALING & OPENING MAIL & MAIL BEING DELIVERED TO THE WRONG ADDRESS!! ( JUST THIS PAST FRIDAY, I HAD TO DO A " RETURN TO SENDER '' BECAUSE THE POST OFFICE INCORRECTLY MISDELIVERED WHAT APPEARED TO BE ANOTHER PERSONS BANKING & CREDIT CARD STATEMENTS TO MY HOME INSTEAD OF TO THE INTENDED RECIPIENT!! ) ..... ( EYE ROLL STILL IN PLACE ) YOU WOULD THINK A BIG BANK SUCH AS BANK OF AMERICA WOULD HAVE A MORE SECURE PROCESS IN ORDER TO HAVE DATA SENSITIVE INFORMATION SENT IN!! LIKE TO A SECURE FAX, VIA UPLOAD OR EVEN A SECURE EMAIL! BUT TO EXPECT, IN THIS DAY AND AGE, TO HAVE A CUSTOMER/NEW APPLICANT SEND THAT KIND OF INFORMATION THRU " SNAIL '' MAIL IS ABSOLUTELY RIDICULOUS!!! NOT TO MENTION THE LENGTH OF TIME IT TAKES FOR THE POST OFFICE TO DELIVER MAIL! I HAVE THE LETTER FROM BANK OF AMERICA REQUESTING MY SS # & PAYSTUB THAT IS DATED, XX/XX/2022 THAT I JUST RECEIVED TODAY!! XX/XX/2022!! THAT I AM EXPECTED TO RETURN BACK TO THEM, NO LATER THAN 30 CALENDER ( NOT EVEN BUSINESS DAYS )!!!!! THAT AGAIN, I JUST GOT ON XX/XX/XXXX!!!! HOW DOES THIS MAKE ANY SENSE FOR A BIG BANK TO CONDUCT BUSINESS IN THIS MANNER!!! 

MAYBE THEY NEED TO START A DEPT ( WHICH I AM HAPPY TO HEAD IF THEY ARE IN NEED OF HELP IN DOING SO! AS I AM ALWAYS LOOKING TO INCREASE MY MONEY BY HAVING MULTIPLE STREAMS OF INCOME. SERIOUSLY BANK OF AMERICA. I WOULD TRUELY OPEN TO DISCUSSING A PAYING POSITION TO HEAD THIS DEPARTMENT. NO BENEFITS NECESSARY AS I HAVE THOSE ALREADY ) THAT IS DEDICATED TO RECEIVING & REVIEWING DOCUMENTS THAT ARE REQUIRED TO COME IN THAT CAN BE SENT BY SECURE FAX, EMAIL, UPLOAD!! ( LIKE OTHER BANKS SUCH AS XX/XX/XXXX XXXX, XXXX XXXX XXXX ) ... JUST TO NAME A FEW ... .. OF WHICH I HAVE CREDIT CARDS WITH ALL OF THESE BANKS & HAVE NEVER ONCE BEEN ASKED TO SEND IN DOCUMENTATION VIA REGULAR MAIL! I EVEN JUST RECENTLY CLOSED ON MY HOME LOAN WITH AN APPRAISED VALUE OF OVER $ XXXX! AND NOT ONCE DID I HAVE TO SEND ANYTHING THRU REGULAR MAIL! IT WAS ALL DONE VIA SECURE DOCUMENT UPLOAD/FAX/EMAIL! SO YOUR TELLING ME SENDING DOCUMENTS FOR A CREDIT CARD CANT BE DONE THIS WAY????? ( INSERT, SMIRK EMOJI, SLAPS FOREHEAD EMOJI & EYE ROLL EMOJI )! 

AND WHAT I WOULD ALSO LIKE TO ASK IS THIS???? WHY, IF, EVERYTIME I CALL ABOUT MY CURRENT CREDIT CARD, I HAVE TO VERIFY MY INFORMATION & MAKE SURE ITS ME, BY HAVING A CODE SENT TO ME VIA A " TEXT OR PHONE CALL '' SUFFICIENT ENOUGH OR BANK OF AMERICA WILL SEND YOU A TEXT/CALL YOU TO ENSURE CERTAIN TRANSACTIONS ARE TRANSACTIONS ACTUALLY BEING MADE BY THEIR CUSTOMERS, BUT THOSE METHODS ARE NOT VALID FOR A NEW APPLICATION? ESPECIALLY WHEN THE NEW APPLICATION WAS SUBMITTED THRU MY CURRENT ALREADY ESTABLISHED BANK OF AMERICA ONLINE ACCOUNT ACCESS??!! 

PLEASE!! CAN SOMEBODY/ANYBODY AT BANK OF AMERICA MAKE ANY OF THIS APPLICATION FOOLISHNESS MAKE SENSE!!??????????

SIGNED- A BANK OF AMERICA CURRENT CUSTOMER W/ A XXXX CREDIT SCORE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation