Consumer complaint received 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'RESPONSE LETTER\n\nDated: XXXX XXXX XXXXTo: Consumer Financial Protection Bureau (CFPB)\n\nRe: Response to Bank of Americas Reply  Complaint NoXXXX XXXX       Product: Credit Card  Fees and Interest Charges\n\n\nI respectfully submit this response to Bank of Americas (BoA) XXXX XXXX XXXX letter regarding my complaint filed with the CFPB on XXXX XXXX XXXX. After a careful review of BoAs reply, I find their response incomplete, misleading, and unsupported by evidence. The bank failed to address the substance of my complaint, avoided accountability, and produced no agreements or documentation substantiating their position.\n\n1.\tFailure to Provide Agreements or Receipts:\n\no\tDespite six Direct Deposit/Balance Transfer transactions between XXXX totaling more than $XXXX  (plus 4% service fees), BoA has never provided any loan agreements, contracts, or receipts confirming the terms of these transactions.\n\no\tThis omission represents a serious lack of transparency and raises doubts as to whether BoA deliberately withholds documentation to avoid accountability in the event of disputes or litigation.\n\n2.\tMischaracterization of Promotional Terms:\n\no\tMy XXXX XXXX  balance transfers XXXX XXXX XXXX were clearly promoted and accepted under a 0% APR program with a 4% transaction fee. Yet BoA unilaterally classified these loans as non-promotional and assessed interest exceeding XXXXXXXXBoA has offered no proof that I knowingly opted out of the promotional program. The burden is on the bank to produce evidence that I accepted non-promotional terms.\n\n3.\tContradictory Conduct  Promotional Solicitations:\n\no\tBoAs own solicitation letters, most recently dated XXXX XXXX XXXX and XXXX XXXX XXXX invited me to use my available credit for 0% APR Balance Transfers, Direct Deposits, or Check Cash Advances for 12 months, subject only to a 4% fee.\n\no\tThese solicitations demonstrate that BoA consistently markets these loans as 0% APR promotions. Their refusal to honor the same terms in my case is inconsistent, deceptive, and unfair.\n\n4.\tUnsubstantiated Assertions in BoAs Reply:\n\no\tBoA claims that all terms, rates, fees, and agreements were provided to you during the online/mobile app balance transfers . Yet they have not produced a single agreement, screen record, or acceptance confirmation.\n\no\tBoA also asserts that interest charges were accurately assessed under variable APR terms. This conclusion is unsupported by documentation and contradicts the promotional offers I received and relied upon.\n\n________________________________________\nLegal and Consumer Protection Concerns:\n\n\tDeceptive Practices: BoAs marketing creates a reasonable expectation of 0% APR for balance transfers and direct deposits. Applying interest contrary to that representation constitutes a deceptive practice under federal consumer protection laws.\n\n\tFailure of Proof: In any court proceeding, BoA would be required to present contracts, agreements, or receipts proving its claims. Their inability to do so strongly supports my position.\n\n\tPattern of Misconduct: BoAs repeated solicitations, coupled with its refusal to honor the promotional terms, suggest a broader pattern of misleading practices that may affect many consumers.\n\n________________________________________\nRelief Requested:\n\nI respectfully request that:\n\n1.\tRefund of Improper Interest Charges  BoA must refund all interest charges improperly applied to my account, totaling XXXX  plus any related fees.\n\n2.\tAccountability  The CFPB require BoA to produce documentary evidence (agreements, receipts, or system logs) demonstrating that my balance transfers were knowingly executed outside the promotional program.\n\n3.\tInvestigation  The CFPB investigate whether BoAs repeated marketing of 0% APR promotions, followed by refusal to honor those terms, constitutes a systemic violation of consumer protection law.\n\n________________________________________\nConclusion:\n\nI have provided persuasive evidence, including BoAs own promotional solicitations, my detailed complaint, and the banks deficient response. In contrast, BoA has produced no agreements or documentation supporting its claims.\n\nIf BoA refuses to correct its error, I am prepared to present this matter in court, where the absence of contracts or receipts will weigh heavily against the bank.\n\nI therefore ask the CFPB, and if necessary, the Court, to recognize BoAs failure of proof and uphold my claim.\n\nRespectfully submitted,XXXX XXXX XXXXEmail: XXXXCell: XXXX XXXX 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 explanation