Consumer complaint received 2020-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In response to a Bank of America online banking " special offer '' solicitation, on XX/XX/XXXX, I opened a BoA Business Fundamental Checking account ending in XXXX, with a promotional offer ( promo code XXXX ). I attached below the terms and condtions to this complaint. I met all the requirements of the offer by XX/XX/XXXX. I opened case XXXX about a week later, since I read online that other customers who enrolled in the promo offer had eeceived Bank of America postal mail confirmation about their enrollment, but I have not. I stated that case was ( and still is ) to ensure the promo XXXX is attached to my business checking account, since it appeared it was not. Ever since then, I have been told numerous different stories, excuses, contraductions and outright lies by BoA : 1. That the case XXXX was opened " too soon '', and that it " should not have been opened until 60 days '' after the " enrollment period ''. 
2. That I needed to wait " 60 days '' ( from when? ) until I could inquire about the promotional credit being posted to my account, even though I was only inquiring about the status of my case XXXX, which is only concerning the proper attachment of the promo offer XXXX to my account. 
3. I requested a callback regarding the status of XXXX in XXXX XXXX, but nobody from BoA has ever called me back before or after. 
4. That my one counter deposit of over {$20000.00} on XX/XX/XXXX did not meet the requirement of " deposits of {$20000.00} or more '' ( BOA business banking call center in XXXX, NM  ), even though numerous other customers have reported online of receiving the promo credit after making a single {$20000.00} deposit. 
5. That the BoA Escalation department noted in my case XXXX that my 20-plus Online Bill Pay transactions via BoA online banking are not qualifying " Qualifying Electronic Payments '' ( BOA business banking call center in XXXX, NM ), even though the terms of the XXXX promo clearly state " Make ten ( 10 ) Qualifying Electronic Payments within 60 days of opening that new business checking account. Qualifying Electronic Payments include, debit card, online bill pay, or ACH transactions, wire transfers or XXXX payments ( starting/available in XXXX ). 
6. That a BoA business banking call center supervisor would call me back within 48 hours, from XX/XX/XXXX ( BOA XXXX banking call center in XXXX, NM ), but nobody from BoA called back as of today, XX/XX/XXXX. 
7. That the waiting period is " 90 days '' from account opening, putting me in XXXX XXXX, plus an additional " 60-day review period '' ( BOA business banking call center in California ) during the XX/XX/XXXX 1h55m marathon phone call that was ended by a BoA " supervisor '' or " manager '' who told me I was given " wrong information '' and put me back on hold to nowhere, when I challenged BoA to point out where this " 90 days '' was specified because I could not find a single mention of " 90 '' but plenty instances of " 60 days '' in the 8-page terms of conditions I printed on the XXXX  promo offer. 
8. That I have indeed met all the requirements of the XXXX promo as of XX/XX/XXXX, that my enrollment was initially blank on XX/XX/XXXX but was manually filled in on XX/XX/XXXX so I need to wait for 60 days from XX/XX/XXXX, and an additional 60-day of " review '', pushing the wait to exactly today XX/XX/XXXX.

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 monetary relief