Consumer complaint received 2024-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Dear Consumer financial protection bureau I am XXXX XXXX XXXX, and I am seeking your assistance regarding the unethical and unprofessional actions taken by Bank of America in relation to the repeated and unjustified blocks placed on my card. 

The reasoning provided by Bank of America for these blocks has been inconsistent, contradictory, and, frankly, illogical. Despite my repeated efforts to resolve the matter, they have failed to adequately address my concerns. It appears that Bank of America, from the executive level to their fraud department, is using their authority to bully consumers by providing misleading and conflicting explanations. 

I believe this behavior is not only unethical but also a violation of consumer rights. I would appreciate your help in addressing this issue. Please see below for the specifics of the matter. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXX their contradictory rationale I filed a dispute because I did not receive the item I purchased. I am baffled as to how XXXX can block my card, which was issued by Bank of America, without providing any valid explanation. 

Your claims department has failed to give me any insight into why my card is blocked. It is clear from our previous conversations that the block occurred due to charges made while the card was already restricted, which is unacceptable. 

Your handling of this situation has been ineffective, and the lack of proper communication is frustrating. If this matter is not resolved promptly, I will escalate this issue to consumer protection authorities. 









Email issued on XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX wrote : To Whom It May Concern at Bank of America, I am XXXX XXXX XXXX, and I am beyond outraged at the complete and utter incompetence displayed by your bank. On XXXX, I informed your inept customer service team that I would be traveling to XXXX, specifically to ensure that my card would not be blocked. Yet, as expected from your consistently unreliable service, my card has been blocked anyway. 
I am currently abroad, unable to access my Bank of America account due to poor WiFi, and I am being charged {$0.00} per minute to contact your customer service, which has been an absolute nightmare. It took hours to even get through, and when I finally did, I was met with dismissive, unprofessional agents who offered zero help. This is completely unacceptable. 

I have been a loyal customer for XXXX years, and this is how you repay me? This level of incompetence and disregard for customer care is appalling. I demand that the block on my account ( Account : XXXX ) be removed immediately. I also expect a written apology for the sheer incompetence that has disrupted my trip. 

Your service is a disgrace, and if this issue is not resolved instantly, I will not hesitate to terminate my relationship with Bank of America and make sure everyone I know is aware of your banks abysmal treatment of its customers. 

Fix this immediately. 

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