Checking or savings account -- Managing an account -- Complaint #16676871
Complaint Overview
Complaint ID: 16676871
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Maryland
ZIP Code: 21044
Date Received: 2025-10-18T12:00:00-05:00
Date Sent to Company: 2025-11-04T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2025, I paid {$2700.00} ( {$2200.00} + {$470.00} ) via debit card to XXXX XXXX/ XXXX XXXX for a round-trip flight from XXXX XXXX XXXX XXXX ) to XXXX ( XXXX ). The amount included a {$440.00} Travel Care Service fee, which their agent stated would waive all XXXX and airline penalties if I needed to change or cancel my trip. Later, when I tried to change my dates, the company demanded an additional {$770.00}, claiming it was a fare difference. However, XXXX XXXX confirmed there was no fare difference or airline fee. I requested written proof of this charge and the source of their pricing, but XXXX XXXX failed to provide documentation. When I requested a refund, they said I would only get {$1800.00} back, withholding both the {$440.00} Travel Care fee and a {$300.00} airline cancellation fee. They have not shown any evidence that these deductions were made by the airline. This company has misrepresented services and failed to honor its own terms. The Travel Care fee was marketed as protection against such costs, yet they are keeping nearly {$850.00} in unauthorized charges. I have written emails from both XXXX XXXX and XXXX XXXX confirming these details. Despite multiple follow-ups, the company refuses to correct the issue or provide transparency. I am requesting that Bank of America investigate and issue a provisional credit for the disputed amount while this matter is reviewed.
Frequently Asked Questions
What is Complaint #16676871 about?
Complaint #16676871 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-10-18T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". 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 (Checking or savings account) 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.