Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have called Bank of America on 6 seperate occasions now trying to recieve my {$220.00} credit that is owed to me. In XXXX I called and the address on my account and asked to have the check for my credit mailed to that address. After 2 or 3 weeks ( i am unsure of the exact timeline ) I had not recieved my check so I called to inquire ans they stated my check was sent to the wrong address, even though i updated my address to me new one the first time I called. So I went through fhe process again and confirmed the correct address to send my check. Again i waited 2-3 weeks and recieved no check. I called again and they tell me the check was sent to the wrong address AGAIN.

After the second time I thought ok clearly they cant process this correctly so I called to see what was going on XX/XX/XXXX and they guy I spoke to didnt know why the check kept getting sent to my old mailing address, but he suggested I just give him my bank account information and I have them deposit the check into my checking account. So I gave him my bank account info and he assured me everything would be taken care of. He also said it wouldnt take the typical 10-14 business days and it would be in my account in 7 business days.

After waiting another 10 days and not seeing the funds in my account, I again called on XX/XX/XXXX. I spoke to a woman who said the previous person I spoke to did not process it correctly and thats why i had not recieved my funds. She insisted that if I just gave her my bank account information AGAIN, she would process it correctly. I also insisted on speaking to a manager on this occasion and he also insisted that he would make sure it was processed correctly.

After waiting another almost 3 weeks and STILL not seeing my funds, I called again for the 5th time. I immediately requested to speak to a supervisor. I spoke to XXXX in SC and he said he understood my frustration but he again ASSURED me that the previous reps I had spoken to were processing this incorrectly and that he knew how to fix it and process it correctly. I asked him when i should see the funds and he told me 7-10 business days. I told him ok but I requested a call back from his supervisor and XXXX said i would receive a call in 48-72 business hours ( I never received this call ). After waiting another 10 business days and STILL not seeing the funds in
my account, I called on XX/XX/XXXX. When finally getting through to a customer service rep, I immediately asked to speak to a supervisor. This woman said tried messaging a supervisor but none were available and I would receive a call within 48 hours. I told her I had heads that the last two times I have called in and never heard from this supervisor. i told her I am not going to keep waiting for a call that never ends up coming. I told her I want to speak to a supervisor right now.

This is when she told me that she messaged the superviros again and they told her that they would definitely call me buy the end of the day. I told her that was unacceptable and she proceeded to put me on hold and essentially hang up on me. ( I never received the call from the supervisor because these people are obviously incompetent ).

After 4 months and 5 or 6 calls I truly can not comprehend why this is so hard for these people. I will never use Bank of America again because they are utterly incompetent and clearly dont care about their customers.

The most absurd part of all this is that this credit was owed to me because I had {$500.00} automatic payments set up every month through my bank account. My last bank statement my balance was {$270.00} and they took the {$500.00} out of my account and so I had a credit of {$220.00}. Now they NEVER had an issue taking the automatic payment of {$500.00} out of my account each month but now when they owe me money and I want it put into the SAME account I used for the automatic payments, suddenly they cant process it. The stupidity is mind boggling.

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