Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
complaint Against Bank of America Failure to Honor {$750.00} Business Checking Promotion I am submitting this complaint against Bank of America , N.A . regarding its failure and refusal to honor a {$750.00} XXXX XXXX XXXX cash bonus promotion that I applied for and fully satisfied. Bank of America advertised a cash bonus of up to {$750.00} for opening a new eligible XXXX XXXX XXXX account online through its promotional webpage and making and maintaining XXXX XXXX deposits. The promotional webpage I used is : XXXX XXXX XXXX The offer terms state that a customer can receive a {$750.00} bonus by opening a new eligible XXXX XXXX XXXX account through the offer webpage, depositing {$15000.00} in XXXX XXXX within 30 days of account opening, and maintaining the required balance during the maintenance period. I followed those terms. Timeline and facts : On XX/XX/year>, I opened a new Bank of America XXXX XXXX XXXX XXXX account for XXXX XXXX XXXX. The XX/XX/year> statement confirms the account period began XX/XX/year> with a {$0.00} beginning balance. Within 30 days of opening the account, I deposited more than the required {$15000.00}. The XX/XX/year> statement shows two deposits : {$9000.00} on XX/XX/year> and {$6000.00} on XX/XX/year>, for total deposits of {$15000.00}. The XXXX statement shows the account ending balance was {$15000.00}. I then maintained the required balance. The XX/XX/year> statement shows a beginning balance of {$15000.00}, no withdrawals, no debits, no service fees, and an ending balance of {$15000.00}. The XX/XX/year> statement likewise shows a beginning balance of {$15000.00}, no withdrawals, no debits, no service fees, and an ending balance of {$15000.00}. These statements show that the account maintained the required {$15000.00} balance through the relevant promotion period. Despite this, Bank of America representatives have repeatedly told me by phone that the promotion was not applied to my account and that they can not find the offer. This is unacceptable and deceptive because the offer is still live on Bank of Americas own website, and I applied through the promotional offer. I also have a video recording showing my application process and showing that I applied for the offer correctly. The issue is not that I failed to meet the deposit or balance requirements. My statements show that I did. The issue is that Bank of America is now claiming that the promotional offer was not attached to my account, even though I applied through the offer and completed the required qualifying activity. A bank should not advertise a cash bonus, accept the account opening and deposits, benefit from the customer maintaining the required balance, and then later deny the promotion because of an internal tracking or coding issue. I am requesting that Bank of America : 1. Confirm in writing that my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is enrolled in the {$750.00} XXXX XXXX XXXX cash bonus promotion ; 2. Pay the {$750.00} bonus to my account, or provide a specific written explanation supported by the exact promotional term Bank of America claims I did not satisfy ; 3. Preserve and review all application records, promo-code records, web-session/application metadata, call notes, and internal case notes related to my account opening and bonus eligibility ; 4. Correct any internal error that caused the promotion not to appear as attached to my account ; 5. Provide a written response explaining why representatives told me that Bank of America could not find the offer when the offer is publicly available on Bank of Americas own promotional website. I am attaching the relevant Bank of America statements and the promotional offer terms as evidence. The statements show that the account was opened on XX/XX/year>, funded with {$15000.00} by XX/XX/year>, and maintained at {$15000.00} through XXXX and XXXX with no withdrawals. The offer terms show that this is the exact requirement for the {$750.00} bonus tier. I believe Bank of Americas conduct is unfair and deceptive because it advertised the {$750.00} bonus, accepted my application and deposits, and now refuses to acknowledge the promotion was applied to the account despite my compliance and supporting evidence. I request regulatory assistance in requiring Bank of America to honor the promotion and pay the {$750.00} bonus.

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 monetary relief