Credit card -- Other features, terms, or problems -- Complaint #13249509
Complaint Overview
Complaint ID: 13249509
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with balance transfer
State: Illinois
ZIP Code: 605XX
Date Received: 2025-04-29T12:00:00-05:00
Date Sent to Company: 2025-04-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I requested a refund of a {$10000.00} credit balance on my Bank of America credit card on XX/XX/year>. Under Regulation Z ( 12 CFR 1026.21 ), the bank was required to process and mail my refund within XXXX business days. As of XX/XX/year>, I have still not received my funds. Bank of America initially responded to my earlier CFPB complaint ( # XXXX ) saying they were still working on it. Since then, I have received no refund, no tracking number, and no confirmation of processing. A representative ( XXXX XXXX ) missed a scheduled call, and another representative ( XXXX XXXX ) left a voicemail acknowledging the issue but has not followed up with a secure email as promised. Bank of America is unlawfully holding my {$10000.00} interest-free and continues to delay without justification. I believe this is a clear violation of the Truth in Lending Act.
Frequently Asked Questions
What is Complaint #13249509 about?
Complaint #13249509 was filed against Bank Of America, National Association regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2025-04-29T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.