Consumer complaint received 2025-02-11 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: FL

Complaint narrative:
With Bank of America, I have three credit card accounts with my bank 2 business and 1 personal. one business with credit limit of XXXX one business with XXXX and one personal XXXX. Early last year my business card with XXXX limit was allowed to go to XXXX. We use this card to make purchases at our wholesaler so they have permission to run the card daily as needed. When this happened I reached out to Bank of America and ask them to be sure not to allow that to happen again as I have XXXX a week for that account, they said they would make notes and really didn't know why they allowed that to happen. For about three months everything went fine and if I reached my credit limit the card would decline. then sometime maybe in XX/XX/year> it happened again. I did reach out to Bank of America and complained to them for allowing that to happen again. Their response was sometimes they do allow some over the credit purchases but usually when the transaction takes it over and then future purchases get declined. So they kind of dug me a hole and I now had to try to dig out of it. All purchases were legit and I'm not disputing any of them. As I was paying them down the smaller XXXX one was about to be paid off so I was going to redeem my rewards and then pay off the balance. When I went to do that it would not redeem, so I called Bank of America and the person tried and said she couldn't get it done either. After waiting a long while she got back on and said once I pay it off then the rewards would be available. Each statement showed the rewards available but wouldn't redeem. once I paid it off and received my XXXX statement it showed the {$0.00} balance and showed the XXXX rewards available, I tried to redeem but it would not redeem. On the XXXX card which was allowed to be XXXX I have been making payments monthly, it has only XXXX in rewards and they won't even redeem them. On my personal I have XXXX in rewards which can't be redeemed. Now when I reach out to them they say they closed the accounts back in XXXX and that they sent me a letter stating that, they also said that I would of had 90 days to redeem the rewards after they closed the account. I had no idea that any of the accounts were closed and will be paying them off as fast as possible. I have reached out to them at least 20 times and each time I get a different story. My problem is this : If there was an issue with my one card mainly because they allowed my XXXX limit to go to XXXX even after I requested it not to go over my limit. That should not effect my other cards that are in good standing and being paid off. I should be able to use my rewards towards the balance. One time when I called I was told it was because of a credit bureau report but none of my other 12 cards were closed. Here is the kicker My XXXX card that was allowed to go to XXXX they state that the account was closed in XXXX and that there could be no points redeemed and no purchases made from XXXX on. Well on XX/XX/year> they allowed a XXXX charge by my wholesale company two months after the account was closed by them. They can't have it both ways I have made at least 20 calls trying to reach a person that can help but at this point it just can't get resolved. I need some one to step in and at least get me some answers that are fair, it seems to me they set me up for failure and just wanted me to get behind so that could collect interest. If you look at my accounts the year before we had no interest paid and probably redeemed XXXX in points. Please reach out to me if you need more information I have everything you need. Thank you in advance for looking into this sincerely 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