Checking or savings account -- Managing an account -- Complaint #18040939
Complaint Overview
Complaint ID: 18040939
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: 21117
Date Received: 2025-12-01T12:00:00-05:00
Date Sent to Company: 2025-12-01T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint because Bank of America did not properly investigate my debit card dispute for a {$150.00} transaction with XXXX. My claim number is XXXX. I provided extensive documentation showing that the flowers delivered were not as described, of very poor quality, and did not match the advertised product I paid for. The merchant refused to provide a refund or resolution. I submitted photos, screenshots, written communications, and examples of similar complaints from other customers. Despite this, Bank of America denied my dispute and stated that the transaction is valid because the merchant provided documentation. The documentation the merchant submitted contained only policies, general explanations, and a single photo of the poor-quality bouquet. None of it proved that the product matched what I ordered. Bank of America did not review my evidence, did not compare the advertised bouquet to the delivered bouquet, and did not evaluate the misrepresentation or quality issues. The denial decision relied entirely on the merchants self-written explanation and policies, which are not proof of proper fulfillment and do not address the misrepresentation. Additional information about the banks denial : The denial package provided by Bank of America shows that the bank accepted the merchants explanation without question. The packet contained no comparison photos, no proof the product matched what I paid for, and no analysis of my evidence. Instead, it included substitution policies and boilerplate terms that do not resolve the issue. This does not meet federal requirements for a proper, good-faith investigation of a product-not-as-described dispute.
Frequently Asked Questions
What is Complaint #18040939 about?
Complaint #18040939 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 2025-12-01T12:00:00-05:00.
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.