Consumer complaint received 2022-06-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
During our Flight on XXXX XXXX, the passengers were advised that we would receive a special offer of XXXX miles once we open our account. I asked the flight attendant if there was a spending limit for the miles and was advised that this was a promotional offer and would get the miles just for opening the account. This was back in XX/XX/XXXX on our flight from XXXX. The flight attendant 's name was XXXX. There was no information regarding the miles on my account statements, my online info when I log into my credit card. It was very deceiving as to how many miles I am actually earning or have already earned. 

XXXX called regarding my points since we opened our account in XX/XX/XXXX. I was told by XXXX ( XXXX ) that there was a {$3000.00} spending limit within the first 90 days. I advised him that the information I was given upon application was different than what he was saying. I had already spent {$2900.00} upon this call on XX/XX/XXXX. I asked to talk to a supervisor. 
XXXX XXXX the supervisor ( employee id # XXXX ) answered the call and advised me she was escalating my call to be reviewed and since I was {$68.00} away from my {$3000.00} mark, XXXX advised that It would be wise if I reach my {$3000.00} mark upon review of my account. She was very understanding and sympathized with what was said to me during application. She stated that my account would be reviewed the following Monday. 
XXXX I spoke with XXXX when I called to get an update. I was advised that Bank of America would review my account by XX/XX/XXXX. I told him I would call back. By this time, I had already spent well passed my {$3000.00} mark and was in the process of charging {$9600.00} on this credit card since I had faith that this would be my front line card. 
XXXX I spoke with XXXX in Texas , he says no notes were on my account and did not appear that my account was ever reviewed. 
XXXX I had to call back due to work and this time I spoke to XXXX from California XXXX She advised me that I did not need to speak to a supervisor, since she " believes '' they would say the same thing. XXXX was arguing with me regarding what the actual fine print stated and she was telling me that they would not review my account since I did not meet the fine print of spending {$3000.00} upon 90 days. I spent over 15 minutes on the phone with XXXX to tell her that I was mis-informed, XXXX argued that it did not matter and that I should have read the fine print. I asked to be escalated to another supervisor. After arguing that I did not need a supervisor, she finally transferred me to another supervisor. 
XXXX XXXX the supervisor took the call. I again, explained everything to him. Upon my request, I asked XXXX to review my account and tell me whether my account was ever reviewed. XXXX put me on hold and when he returned to the phone conversation, he advised and apologized that my account was never reviewed and that he re-submitted my escalation. He says this would take another 5-15 days to review. My escalation case number is : XXXX per XXXX. I advised him this was unacceptable and that I am filing a complaint with the consumer finance protection bureau. I would like Bank of America to honor what XXXX XXXX promised me upon my application. XXXX miles to open my account with bank of america. I had already spent well above and beyond their minimum towards their credit card.

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