Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received a denial on credit card application, reference number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  called the bank on XX/XX/year> at approximately XXXX XXXX XXXX XXXX XXXX asking for the specific reason for denial, because the reason they gave actually had XXXX options as to the reason for denial. They tell me to call the credit reporting companies for an explanation. I proceed to reference the FAIR CREDIT REPORTING ACT NOTICE on the other side of the denial letter and the VERY FIRST SENTENCE READS : " The consumer reporting agency indicated in this letter did not make the decision to take adverse action and is unable to provide you with the specific reasons why this action was taken. '' I read this on a recorded line multiple times to the human representative who is supposed to be of service. They repeatedly tried to direct me to call Experian. When I used logic to ask questions and get answers about the bank denying me, he often agreed, but still repeated the same useless information designed to shift blame, liability, responsibility, or accountability. 

I sent a letter, Registered Mail, with tracking number : XXXX. It was delivered to the XXXX XXXX XXXX the reconsideration address given in the denial letter on XX/XX/year>. In this letter I asked which XXXX of the XXXX reasons was the specific reason for denial, as I had asked on the phone. I asked for an explanation and specific reason for denial since the credit reporting agency could not give specific reasons per the notice on the letter. I asked them to prove and verify that the information they were using was not inaccurate, incomplete or unverifiable. I asked for a credit line where the balance I wanted to transfer, {$5600.00}, would have been XXXX XXXX of the credit line to keep my utilization under the recommended threshold. 

Bank of America 's reply was this form letter attached directing me to call XXXX. The notice already says XXXX  did not make the decision, Bank of America did. That is why I sent the letter to Bank of America ( BOA ), to find out the specifics. 

BOA 's reason ( XXXX ) are as follows : " XXXX or more of your accounts has been included in a bankruptcy or we've received notification of your intent to file for bankruptcy. That's XXXX optional reasons : XXXX account, more than XXXX account, or notification. So I asked specifically, which XXXX of those is it and to reconsider XXXX application if that information is incomplete, inaccurate, or unverifiable. 

The letter you see attached dated XX/XX/year> is their non-answer on specifics, and to call Experian. 
It's been 15 days, they have XXXX more to respond with specifics. I made requests in my reconsideration letter that fall under : XXXX ( b ) On the applicants request, any information the applicant XXXX present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicants creditworthiness? ( XXXX ( b ) ( XXXX ) ( ii ) ) ( Opens new window ) XXXX ( c ) On the applicants request, the credit history, when available, of any account reported in the name of the applicants spouse or former spouse that the applicant can demonstrate accurately reflects the applicants creditworthiness? entity. ( XXXX ( b ) ( XXXX ) ( iii ) )

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