Credit card -- Problem with a purchase shown on your statement -- Complaint #13845715
Bank of America Fails to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 13845715
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 92804
Date Received: 2025-05-31T12:00:00-05:00
Date Sent to Company: 2025-06-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The credit card company's failure to address a disputed purchase could indicate systemic issues with their dispute resolution process, potentially leading to further consumer harm.
Consumer Sentiment: negative
Topics: Credit card disputes, Purchase disputes, Bank of America
AI Analysis
CFPB complaint 13845715 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A consumer is disputing a purchase on their credit card statement with Bank of America, but the company has not resolved the issue. The complaint was received on May 31, 2025 from California. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should clearly document all communication with their credit card company regarding disputes and consider escalating the issue if it remains unresolved.
Legal Context & Consumer Protection Laws
The Fair Credit Billing Act (FCBA) provides consumers with rights to dispute billing errors, including unauthorized charges or incorrect amounts for purchases.
Regulatory Insight
Regulators may scrutinize companies that consistently fail to adhere to FCBA dispute resolution timelines and requirements.
Resolution Likelihood
mixed
State-Specific Consumer Protections
California consumers have specific protections under state law regarding credit card disputes, which may offer additional avenues for resolution.
Industry Comparison
This situation is common across the credit card industry, with varying degrees of effectiveness in dispute resolution processes.
Related Issues
Frequently Asked Questions
What is CFPB complaint 13845715 about?
CFPB complaint 13845715 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on May 31, 2025.
Which company is complaint 13845715 filed against?
Complaint 13845715 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION. You can view all complaints against this company on their profile page at /company/bank-of-america-national-association.
What was the company's response to complaint 13845715?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 13845715 filed?
Complaint 13845715 was received by the CFPB on May 31, 2025. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on June 2, 2025.
What state was complaint 13845715 filed from?
Complaint 13845715 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 13845715?
Dispute information is not available for complaint 13845715.
What product category is complaint 13845715 about?
Complaint 13845715 is categorized under "Credit card", specifically "General-purpose credit card or charge card". This is one of the product categories tracked by the CFPB.
How was complaint 13845715 submitted?
Complaint 13845715 was submitted via Referral. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 13845715?
The Fair Credit Billing Act (FCBA) provides consumers with rights to dispute billing errors, including unauthorized charges or incorrect amounts for purchases. This relates to a Credit card complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Problem with a purchase shown on your statement".
How likely is complaint 13845715 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 13845715?
This complaint is rated as medium risk. The credit card company's failure to address a disputed purchase could indicate systemic issues with their dispute resolution process, potentially leading to further consumer harm.
What regulatory actions apply to complaint 13845715?
Regulators may scrutinize companies that consistently fail to adhere to FCBA dispute resolution timelines and requirements. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 13845715?
Consumers should clearly document all communication with their credit card company regarding disputes and consider escalating the issue if it remains unresolved.
Are there state-specific protections for complaint 13845715?
California consumers have specific protections under state law regarding credit card disputes, which may offer additional avenues for resolution. This complaint was filed from California.
How does complaint 13845715 compare to industry norms?
This situation is common across the credit card industry, with varying degrees of effectiveness in dispute resolution processes.
What are the typical timeframes for a credit card company to resolve a purchase dispute?
Under the FCBA, credit card companies generally have two billing cycles, but no more than 90 days, to investigate and resolve a billing dispute after receiving proper notification from the consumer.
What steps can a consumer take if their credit card company does not resolve a dispute?
If the dispute is not resolved satisfactorily, the consumer can file a complaint with the CFPB, report the issue to their state's Attorney General, or consult with a consumer protection attorney.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.