Consumer complaint received 2026-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'I am a Bank of America small business client with a business debit card. I am building my business credit. \n\nXXXX XXXX XXXX:\nBank of America\nXXXX XXXX XXXX, XXXX CA XXXX\XXXX XXXX\n\nXXXX XXXX \nI placed an order for our school district\'s prom drive that I was hosting. XXXX, the XXXX tried XXXX take advantage of me XXXX over charge me for shipping. I disputed these charges all the way up XXXX the finance department. They issued a refund for $XXXX that did not process until today. Almost XXXX weeks. \n\nUnfortunately, while arguing with XXXX, I was also attempting XXXX make a deposit. I would use that, in addition to the $XXXX they took, XXXX pay my XXXX XXXX/advertising app XXXX my XXXX account for XXXX XXXX. Being distracted, the ATM took my card. \n\nXXXX XXXX\nI went into the Bank of America branch here in XXXX. I was hoping to retrieve my business debit card. This is when I found out that, unlike like every other bank, Bank of America does not return cards taken by their ATMs. \n\nI spoke with XXXX, a XXXX. We decided that I would wait for the refund XXXX process to complete before shutting off the previous card (one stuck in ATM). I have been in XXXX since that time because XXXX kept saying they processed the refund, but Bank of America kept saying they had not received the funds. I was told by both XXXX XXXX XXXX that I had the option of a digital card while I waited for my physical card. \n\nXXXX XXXX\nThe refund finally processed. I attempted XXXX XXXX follow the directions of the manager I spoke with XXXX process the digital card. It processed the new card XXXX declined giving a digital card XXXX times. In that time I spoke with the branch XXXX was basically told by XXXX or XXXX that I would have XXXX wait. There was no sympathy in her voice.\n\n I said this was unacceptable and requested the customer service number. The number given (XXXX XXXX XXXX) was completely in Spanish. My account is marked for English. There was no prompt for English. I then called back the branch XXXX XXXX it just rang. I had XXXX research the business customer service on XXXX.\n\nThe XXXX XXXX (like the letter) researched the issue XXXX had XXXX keep putting me on hold. When he came back he said the reason the app was not letting me order a digital card was because restrictions had been put on my account due XXXX recent changes. When I asked what restrictions, he said the restriction was getting a digital card. When I asked what changes, he said due XXXX security, he could not tell me because I could use that information against Bank of America\n\nSo as the account holder I can not be given any information. I told them I need to establish the digital card to pay a bill the I pay every monthXXXX XXXX reiterated that he could not given me any information and that I would have XXXX wait for the physical card. This is unacceptable. I have a business bill XXXX pay that has already been held up by their no card return policy. Now I am told it will be a coupe more days. When I asked what I am supposed XXXX do regarding my bill, I was told I would have XXXX wait and that I could not be given any further information as XXXX why. I am not allowed XXXX know why restrictions were put on my account or the changes that caused the restrictions. Yet, it is perfectly fine for them XXXX impact my ability XXXX pa my bills for almost XXXX weeks. UNACCEPTABLE! It just makes me wonder if am I being racially profiled.'

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