Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Formal Complaint Regarding Service Failure and Unacceptable Processing Delays.Bank of America Customer Relations I am writing to formally lodge a complaint regarding the serious inconvenience and confusion I experienced while attempting to open a new credit card and process a balance transfer with Bank of America. I have been a loyal customer for more than 16 years, and the level of service I received over the past XXXX days has been extremely disappointing. 
On XX/XX/2025, after speaking with a Bank of America customer service representative about opening another credit card, I was asked to temporarily unfreeze my credit files with all three credit bureaus. I immediately complied. 
On XX/XX/2025, at approximately XXXX XXXX, I called the Bank of America customer service line at XXXX. After completing all required identity verification and questions, I was approved for a new credit card with a {$15000.00} limit. 
However, when I attempted to request a balance transfer of {$2200.00} from my XXXX credit card, your system failed. The representative assisting me made several attempts, even consulting colleagues, but they were unable to complete the transaction. I was told to call back in XXXX hours at XXXX. 
When I called again after about XXXX hours, I was informed that it XXXX take 12 days before my new credit card would appear in the system. This was never mentioned earlier. 
I am extremely concerned about the following issues : 1. System Failure During Balance Transfer : Why did the Bank of America system fail to process a routine {$2200.00} balance transfer, especially right after approving my new credit card?

2. Unreasonable Transfer Time of 1015 Days : I was shocked to hear that transferring funds to XXXX could take 1015 days. This is highly unusual and raises serious questions. 
In many developing countries, balance transfers and interbank transactions are completed the same day. How is it that Bank of Americaone of the largest U.S. financial institutionscannot match this efficiency?

I request clarification : Which federal or banking regulation requires such long transfer delays?

3. Lack of Follow-Up Communication : I specifically asked for someone to contact me with an update. No one called. 
This lack of courtesy and follow-through is unacceptable. 
Large volume of complaints BoA is among the most complained-about banks XXXX. According to the XXXX XXXX XXXX ( XXXX ), BoA had XXXX total complaints over the past XXXX years, with XXXX complaints closed just in the last XXXX  months. XXXX XXXX XXXX XXXX. Independent aggregators count tens of thousands of complaints : XXXX source reports over XXXX official complaints against BoA including issues from billing disputes to identity-theft/fraud investigations. XXXX XXXX. In sector-wide data from the Consumer Financial Protection Bureau ( CFPB ), BoA is repeatedly among the most complained-about banks for accounts, credit cards, and digital services. 
As a long-standing customer, I expect transparency, efficient service, and timely communication. I respectfully request : A written explanation for the system failure. 
A clear justification for the 1015 day balance transfer timeframe.

Confirmation of when my new credit card will appear in the system.

Assurance that similar issues will not occur again. 
I hope Bank of America will address these concerns promptly and restore my confidence in your services. 
Sincerely, XXXX XXXX Debit Card ending 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 non-monetary relief