Strange email from B.o.A. All my cards are "locked" including the bank's debit card.

[3Hotdogs]

So I get an email saying "Card locked: Transaction could not be processed.."

The transaction in question was a draft payment to AFFIRM.COM.

AFFIRM is one of several companies that finance a purchase over a period of time.

The problem is, I haven't bought anything large enough to put on a payment plan and I never applied for credit to this company.

[DBoon]

1. I would suspect a scam

Call the bank's customer support number listed on your card and try to talk to a human being.

DO NOT call the number provided in the email.

[niyad]

2. I am assuming that you have contacted your bank?

[Norrrm]

3. Almost assuredly a scam.

Call the phone # that's on the back of your actual card.

Do NOT use the phone number or email or whatever contact info from the email.

[OAITW r.2.0]

4. Can you access ypur accounts on line?

If you can, the email is a scam.

[JoseBalow]

5. Sounds legit

[NoRethugFriends]

6. Totally typical scam. Surprised you would not assume that immediately

[Skittles]

7. act now!

[RockRaven]

8. Sounds like a phishing scam or similar. Never respond to such emails/messages through

any links they contain.

If you consider it necessary to contact your bank, do so through whatever routes/means you would normally use to initiate contact with them yourself -- not by responding to any supposed (and possibly fake) reaching out on their part.

[mwmisses4289]

9. This may be old fashioned, but when that happens,

I usually go in person to my bank to let them know I received this, can they help me with it. It almost always turns out to be a scam.

[bamagal62]

10. I get BOA phishing

Emails often. Call the number on your card and see if there has been an attempted transaction. My guess is it’s just a scam email hoping you’ll click on something.

[Casandia]

11. I recommend this YouTube channel - Scammer Payback

These guys turn the tables on the hackers. They pretend to be the person being scammed, but end up scamming the hackers .

[3Hotdogs]

12. Update: I drove to B.o.A. THe card is cancelled and a new one to be issued.

[applegrove]

13. I get false warnings of malfesance to my cards, deliverys and accounts all the time.

Last edited Tue May 26, 2026, 05:50 PM - Edit history (1)

If i just "put in my credit card number they can fix the situation". RUN!