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should I preemptively file CFPB complaint?

should I preemptively file CFPB complaint?

I opened a bank of america checking account due to an offer given to me via the online portal. i captured all the evidence i need to win a CFPB complaint just in case. So when i chatted with a rep, they said they can't see said offer on my account, so i know there will be some pushback in the future.


Should I just file a CFPB complaint right now regarding how they don't see the offer attached to my account even though i qualify, so that when the waiting period is over, i'll get the checking offer? 

Message 1 of 6
5 REPLIES 5
GatoradeZeroGuy
Valued Contributor

Re: should I preemptively file CFPB complaint?


@abcdefghijklmnopqrstuvwxy wrote:

I opened a bank of america checking account due to an offer given to me via the online portal. i captured all the evidence i need to win a CFPB complaint just in case. So when i chatted with a rep, they said they can't see said offer on my account, so i know there will be some pushback in the future.


Should I just file a CFPB complaint right now regarding how they don't see the offer attached to my account even though i qualify, so that when the waiting period is over, i'll get the checking offer? 


Wouldn't surprise me if your promo is attached fine and CSR can't see it or doesn't understand what you're asking 

 

Just meet the terms of your promo and if they don't pay within their guidelines for the promo, then file the report

 

Consider calling after you meet their terms and letting them fix it prior to going full cfpb on though

Starting FICO 8:

Current FICO 8:

2/6, 5/12, 9/24






Message 2 of 6
SouthJamaica
Mega Contributor

Re: should I preemptively file CFPB complaint?


@abcdefghijklmnopqrstuvwxy wrote:

I opened a bank of america checking account due to an offer given to me via the online portal. i captured all the evidence i need to win a CFPB complaint just in case. So when i chatted with a rep, they said they can't see said offer on my account, so i know there will be some pushback in the future.


Should I just file a CFPB complaint right now regarding how they don't see the offer attached to my account even though i qualify, so that when the waiting period is over, i'll get the checking offer? 


No you should not.  You don't know that there will be a problem in the future.


Total revolving limits 748700 (628200 reporting) FICO 8: EQ 701 TU 717 EX 682

Message 3 of 6

Re: should I preemptively file CFPB complaint?

thank you both!!!

Message 4 of 6
AzCreditGuy
Established Contributor

Re: should I preemptively file CFPB complaint?


@SouthJamaica wrote:

@abcdefghijklmnopqrstuvwxy wrote:

I opened a bank of america checking account due to an offer given to me via the online portal. i captured all the evidence i need to win a CFPB complaint just in case. So when i chatted with a rep, they said they can't see said offer on my account, so i know there will be some pushback in the future.


Should I just file a CFPB complaint right now regarding how they don't see the offer attached to my account even though i qualify, so that when the waiting period is over, i'll get the checking offer? 


No you should not.  You don't know that there will be a problem in the future.


Its Bank of America....

Message 5 of 6
FireMedic1
Community Leader
Mega Contributor

Re: should I preemptively file CFPB complaint?


@SouthJamaica wrote:

@abcdefghijklmnopqrstuvwxy wrote:

I opened a bank of america checking account due to an offer given to me via the online portal. i captured all the evidence i need to win a CFPB complaint just in case. So when i chatted with a rep, they said they can't see said offer on my account, so i know there will be some pushback in the future.


Should I just file a CFPB complaint right now regarding how they don't see the offer attached to my account even though i qualify, so that when the waiting period is over, i'll get the checking offer? 


No you should not.  You don't know that there will be a problem in the future.


This ^^^^^^^^^^^^^^^^^^^

" i captured all the evidence i need to win a CFPB complaint just in case."

Its like your expecting it to happen. What was the SUB your so anxious about? I dont think CFPB goes after sign up bonuses. Least I've never seen that on here. There's usually something in the fine print thats overlooked.


Homeowner Sept 2020. 2021 Explorer ST Chase 3.1%. Sharing my recovery after BK from learning here. Started 540's. EX FICO 9 801 as of 05/03/2023. I stayed around to pay it forward for those who helped me back then.
Message 6 of 6
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