Checking or savings account -- Managing an account -- Complaint #17886628
Complaint Overview
Complaint ID: 17886628
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem making or receiving payments
State: New Jersey
ZIP Code: 08854
Date Received: 2025-11-24T12:00:00-05:00
Date Sent to Company: 2025-11-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject / Title : Dispute {$230.00} transaction XXXX order XXXX Not Received, Wrong Delivery by XXXXXXXX XXXX XXXX XXXXXXXX : XXXX Merchant : XXXX Credit Card Issuer : Bank of America Complaint Details What happened : I placed an online order with XXXX for cosmetics totaling US {$230.00} the order number is but I never received the package. The delivery confirmation from the courier shows a photo, but the location in the picture is not my home .I have inspected around my property ; the package is nowhere to be found. Here are the key facts : I never received the items. The couriers proof-of-delivery photo is incorrect it does not show my house or any feature of my address. I immediately contacted XXXX to report not received and requested a refund. XXXX refused to refund me, insisting the delivery was successful. I then filed a dispute with Bank of America, but they probed the issue and sided with XXXX, denying my dispute. Therefore, the {$230.00} XXXX has not been reversed, and I remain out of pocket for goods I never got. What I want/ Proposed Resolution : I request a full refund of XXXX $ XXXX to my credit card, because I did not receive the goods, and the evidence provided by the shipper is clearly flawed/ false. Why I Believe This is a Consumer Financial Issue : This is not only a merchant dispute, but also a billing error under my credit card account : the charge has been posted, I did not receive the product, and the card issuer ( Bank of America ) failed to protect me through its dispute process. Supporting Documentation ( if you have ) : Order confirmation from XXXX Transaction on credit card statement for {$230.00}
Frequently Asked Questions
What is Complaint #17886628 about?
Complaint #17886628 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 2025-11-24T12:00:00-05:00.
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 (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.