This is my XXXX complaint for a similar issue. This XXXX incident has resulted in me beginning procedures to close all of my BOA accounts, not just my credit card. On XXXX XXXX I had great difficulty ordering a product on-line using my BOA credit card. After several failed attempts to pay with my card I called BOA. They told me that their fraud detection capabilities flagged my card and they would need to validate my attempted purchase before allowing it to go through. I was shocked, since I was actually using BOAs 'ShopSafe ' capability which should clearly indicate to even the most primitive software that it could not be fraudulent activity. Also disturbing, was that after each attempt to authorize payment I would receive an alert on my mobile device indicating a successful payment. After working with customer service we were able to authorize the purchase. I was actually able to see the purchase as a pending transaction on the BOA website. Unfortunately, after nearly XXXX, the pending status never changed, and there was no shipment notification from the merchant. I actually called the merchant inquiring as to why they were not shipping my item. They informed me that they have been trying to finalize the authorization with BOA, but failed each time. On XXXX XXXX I set up a conference call with BOA and the merchant. We tried repeatedly to remove the totally erroneous 'fraud detection block ' but to no avail. During these attempts, the pending status of my earlier attempt disappeared! In the end, I needed to hang up with the BOA associate and complete my purchase with an American Express card. The associate on the phone indicated that because I bought a juice in XXXX during the morning, but was attempting to make a web purchase with a company in Minnesota in the afternoon, I likely caused a fraud alert to lock my card! 
There are XXXX upsetting aspects to this : The XXXX is that BOAs credit card software is disjointed, primitive, and functional only if all variables and circumstances are pristine. Even the slightest digression from a normal credit card event ( like an XXXX resident buying a juice in the morning and then using the internet to order an item out of state ) causes their systems to fail. XXXX, none ( none! ) of the other credit cards I own have ever cancelled themselves without notice ( my previous complaint to cfpb ) or blocked my card so thoroughly that even the issuing agency could not unlock it! This indicates that BOA has chosen to allow the client experience to suffer immeasurably rather than absorb unfortunate, but normal losses from credit card fraud. I can not be the only customer being inconvenienced. The thought of being overseas on vacation, or in an emergency situation and dependent on my BOA credit card is now a situation I must mitigate immediately by ending my relationship with BOA. 
