Consumer complaint received 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I received a Promo Offer from Bank of America for XXXX percent interest for 18 months with a {$200.00} cash rewards bonus in late XXXX of XXXX. I believed that I had never had a credit card with BOA due to their high interest rates. I've bought maybe XXXX cars between XXXX of XXXX and now. I also bought XXXX Homes and had at least XXXX maybe XXXX Refi 's during that time. BOA was always given the first opportunity in each case and they were never competitive. My Go To credit cards since XXXX have been a XXXX XXXX  XXXX card currently a XXXX percent and a XXXX XXXX  currently at XXXX percent. I first opened a XXXX  XXXX, XXXX XXXX  and BOA checking and savings account in XXXX of XXXX. XXXX  XXXX was acquired by XXXX XXXX and XXXX XXXX acquired by BOA in the late XXXX 's or early XXXX 's. A period of over XXXX  years. According to BOA 's records they say I have been a customer of theirs since XXXX or XXXX  years. 

In late XXXX of XXXX when I expressed interest in their Promo, I made a call to their XXXX number for clarification. I was told that I already had a BOA credit card ending in XXXX opened in XXXX of XXXX. I responded that I did not believe I ever had a credit card of theirs due to their high interest rates and their track record from above. I told them that I was very concerned about Fraud or possible stolen identity. I asked them to tell me what charges were on that card and where. The BOA Rep told me that the charges were in Florida between XX/XX/XXXX and XX/XX/XXXX with the first being in XXXX XXXX XXXX. I immediately suspected FRAUD and told them to shut down that card. I also asked them to send me a copy of the charges. They never did. I believed that BOA would send me their Promo Credit card. By XXXX I had not received the Promo credit card. I called again and asked where it was. Very worried about FRAUD I asked them to send me another card. 

In late XXXX, I received a card ending in XXXX. About a week before, I had received another Promo from BOA with the same terms but a {$300.00} cash rewards bonus. I called them for the XXXX time and asked what was the difference between the Promos and which one was I signed up with. A lady named XXXX told me that I was signed up for the {$200.00} cash rewards bonus. She said the difference in the Promo 's was likely a different rate. After the XXXX call, I decided to use the new Promo card. The terms of their Promo required me to purchase {$1000.00} in the first XXXX days. I complied with XXXX charges totalling a little over {$1000.00} on XXXX. 

I thought I was good to go. In late XXXX of early XXXX of XXXX, I called to inquire about when I would be receiving the {$200.00} bonus. Seems like they said maybe a couple of months. Between XXXX and XXXX of XXXX, I inquired multiple times about my cash rewards bonus. I'm not sure of the exact dates but there was mention of me having a prior card in XXXX of XXXX. Each time they mentioned a prior card even the fact that I had XXXX cards. I asked them to send me a copy of the supposed charges. No one ever did. I was mildly perturbed that my request that the XXXX card be cancelled may have been ignored. Still worried about FRAUD, I insisted that card be shut down. 

In XXXX of XXXX, I thought I had made a Hotel Reservation at the XXXX XXXX in XXXX, Alabama for XX/XX/XXXX and XX/XX/XXXX for a Family Reunion. I had tried to use the BOA credit card ending in XXXX. XXXX XXXX had no record of my reservation. When I returned to XXXX on XX/XX/XXXX, I found my confirmation number. When I called XXXX, they told me that those reservations for XXXX might were made for XXXX. I had been working on the Reunion for XXXX  months and XXXX XXXX I would have made reservations in XXXX of XXXX. I talked to XXXX XXXX customer service and they told me they would give me a refund of {$210.00} worth of charges. I am XXXX 'd that I was charged about $ XXXX more for the room. I waited maybe XXXX  days before calling BOA to see if I had been refunded {$210.00}. BOA tells me that there was no record of any charges in XXXX of XXXX. An outfit named XXXX XXXX  had charged me for the room and XXXX XXXX said they had no affiliation with anyone called XXXX XXXX. Now I am certain I have been a victim of FRAUD. 

I called BOA and asked for a complete record of charges on XXXX. Incredibly for the first time in a half dozen requests, this BOA sends me a record of the charges to XXXX. That's when I discovered finance charges of over {$500.00} which later ballooned to almost {$810.00}. I decided then that I need to go to my nearest BOA branch to straighten out this mess. 

I arrived at XXXX pm at the XXXX XXXX XXXX XXXX XXXX XXXX I waited patiently for some assistance until closing time that was at XXXX pm. I gave some notes to a Teller and asked her to schedule me for an appointment with XXXX XXXX XXXX at XXXX am on Thursday XX/XX/XXXX. 

I arrived at XXXX am and was escorted to XXXX XXXX ' office. I had prepared a couple of pages of notes to facilitate the meeting. When I attempted to hand my notes to XXXX XXXX, she responded as rudely as possible, " I have all the notes that I need. '' BOA records every conversation of Customer Calls to their XXXX # and XXXX XXXX handed me " Summary Notes from a BOA Rep '' which claimed I had declined their Promo offer. This is Absolutely False! I asked XXXX XXXX for a copy of those notes and she declined saying that it was company policy. I asked her if those note were a verbatim transcript of the call and she said No, only the BOA customer service Reps Summary Notes. I suspect that BOA would not give me the summary notes because the full transcript of the verbatim call would demonstrate that the BOA Rep was shoddy with the Summary or that they had put together a CYA summary to tell only the BOA version of the call. An attorney would rip them to shreds by comparing their summary notes to the actual verbatim call. XXXX XXXX told me that she worked in credit card services in XXXX and XXXX of XXXX and she did not recall any {$300.00} Promo from BOA. It just so happens that I found that Promo in some of my papers. XXXX XXXX has a bad memory of she is a LIAR. Enclosed is a copy of that {$300.00} Promo. 

XXXX XXXX then produced the charges from XXXX. She also provided a copy of my bank statement showing that I had paid off all of those charges in XXXX payments. Over XXXX years ago I am supposed to remember XXXX  days, no wonder I could not recall. How did XXXX XXXX have access to those records in less than XXXX Hours when all the other BOA Reps said they were not available or chose not to provide them? There were No Charges in XXXX of XXXX in XXXX XXXX XXXX as I had been told. XXXX times in XXXX and XXXX of XXXX, any of the BOA Reps could have provided the proof of those charges but they did not. I would never ever have signed up with their Promo had they answered my questions and provided my request. Why did XXXX tell me that I was signed up for the {$200.00} Promo in late XXXX. 

XXXX XXXX then proceeded to give me the XXXX 's XXXX to get me out of her office. She told me if I had any further questions for me to call the XXXX # and ask for a Supervisor which I did the next day to the tune of about XXXX hours and XXXX or XXXX BOA Reps. 

BOA has treated a XX/XX/XXXX year customer as a XXXX and a XXXX. I do not appreciate that XXXX bit and I want the {$810.00} that they stole from me back. I've written multiple letters to the XXXX and XXXX of Bank America that are enclosed. In the last week I have spoken with a XXXX XXXX XXXX a VP at Bank of America trying to address this issue. He told me that for me to have ever gotten a XXXX credit card from BOA I would have had to fill out another application. If that is in fact true, then there are dozens of BOA customer service Reps that do not know their fanny from a hole in the ground. 

Bank of America deals with their customers in BAD FAITH. Had anyone in their organization just listened to any of my recorded phone calls, this entire fiasco could have been avoided. I am entitled to a written apology from an Executive at BOA for this mess and they owe me my {$810.00} back plus interest. I'd love to get this in front of a Jury to recover punitive damages for the harassment that these folks have put me through. I've easily spent over XXXX hours trying to resolve this dispute and I deserve some compensation for a MISUNDERSTANDING that is all their fault.

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