Consumer complaint received 2026-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Complaint Against Bank of America I am submitting this complaint because Bank of America has restricted access to my accounts following a fraud alert triggered by an attempted online transfer. I am currently outside the United States and will not be able to travel to a Bank of America branch for approximately XXXX months. The bank has informed me that the only way to restore access to my accounts is to appear in person with identification. No remote verification alternatives have been offered despite my willingness to cooperate and verify my identity through enhanced security procedures. As a consequence of this restriction, I am unable to access funds that are available in my account. I am also unable to make payments on my Bank of America credit card even though I have sufficient funds on deposit. This creates the risk of late fees, interest charges, adverse credit reporting, and other financial harm. My concerns are : * The bank is preventing access to my own funds. * No reasonable remote identity verification process has been offered. * The restriction may cause unnecessary financial penalties despite my ability and willingness to pay. * The bank has not provided a practical solution for customers who are temporarily outside the United States. I am requesting that Bank of America : 1. Review my case through its executive resolution team. 2. Offer a reasonable remote identity verification process. 3. Prevent any late fees, penalty interest, or negative credit reporting resulting from this restriction. 4. Reverse any charges that arise because I can not access my funds. 5. Provide a written explanation of its position and available remedies. An additional concern is that both my deposit account and my credit card account are held with Bank of America. I have sufficient funds on deposit to satisfy my credit card obligation. However, because Bank of America has restricted access to my accounts and has not provided a reasonable alternative verification method, I am being prevented from using my own funds to pay a debt owed to the same institution. Under these circumstances, it would be unfair and unreasonable for late fees, penalty interest, adverse credit reporting, or any other negative consequences to be assessed against me when the inability to make payment is directly related to restrictions imposed by the bank itself rather than any lack of funds or willingness to pay. I have sufficient funds on deposit at Bank of America to pay my Bank of America credit card balance. Due to a fraud restriction on my accounts, I am unable to access my funds or make the payment. I am requesting that any late fees, interest charges, penalty APR, or negative credit reporting be waived because the inability to pay is caused by the account restriction. I respectfully request assistance in obtaining a fair resolution. Thank you.

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