Multiple times in the past couple of years when a vendor's processor has 3D Secure (3DS) implemented, I've encountered complete show-stopper issues when attempting to book online with my BofA cards. It presents as a "this transaction could not be completed due to your card issuer needing to provide additional info" type error, with a popup that shows the following text:

BANK OF AMERICA VISA
Your purchase requires additional verification We are unable to
complete verification at this time. Please call 1.877_388.6681
for assistance. We apologize for any inconvenience.

I've called the given phone number, the Platinum Honors-specific CSRs, and on multiple occasions have spoken directly with the BofA fraud dept., and no acceptable resolution has ever been provided for the specific transactions at hand. The worst case almost left me stranded while out of country, unable to book my next destination's hotel and train tickets. The most recent came this morning when after 20 mins on the phone with the fraud dept. their only offered resolution was for me to go into a banking center in person and present 2 forms of ID, which for whatever reason only then would "possibly" permit things to progress with the processor.

I've had an account with BofA for 20+ years. The Cash Rewards card for 15 years, and Travel Rewards card I've had for 2 years.

The hacky work-around I figured out (with no help from BofA obviously) was linking the cards to my PayPal account, whereby I am able to make those same transactions immediately via PayPal without issue. The best that I can deduce, maybe incorrectly, is that BofA's / Visa direct interfacing implementation with the 3DS system is utter trash.

So yeah, if I want to rely on having to go through PayPal to make certain hotel or flight bookings, fine, but I don't want to be dependent on a vendor accepting PayPal, nor be concerned with whether the purchase will be appropriately categorized in the rewards system due to first passing through PayPal.

Has anyone else had these types of issues, specifically with BofA or otherwise?

I welcome any experiences as to which companies appear to have their crap together when it comes to 3DS interfacing, I'm hoping to find equivalent replacements for these cards:

Customized Cash Rewards Visa Signature:
5.25% - chosen category, 3.50% - grocery, 1.75% - everything else

Travel Rewards Visa Signature:
2.62 points per dollar

Thanks!