Credit card -- Problem when making payments -- Complaint #18423972
Bank of America Resolves Credit Card Payment Issue with Monetary Relief
Complaint Overview
Complaint ID: 18423972
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Pennsylvania
ZIP Code: 15668
Date Received: 2025-12-31T12:00:00-05:00
Date Sent to Company: 2026-01-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The issue was resolved with monetary relief, indicating a manageable problem that did not escalate significantly.
Consumer Sentiment: positive
Topics: Credit card payments, Payment processing issues, Monetary relief
AI Analysis
CFPB complaint 18423972 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Credit card (General-purpose credit card or charge card), specifically about "Problem when making payments". A consumer experienced a problem during the payment process for their general-purpose credit card with Bank of America, which was ultimately closed with monetary relief. The complaint was received on December 31, 2025 from Pennsylvania. The company responded with "Closed with monetary relief".
What You Should Do -- Consumer Action Plan
Consumers facing payment processing issues should document all interactions and seek resolution promptly, especially if monetary relief is offered.
Legal Context & Consumer Protection Laws
This case involves a consumer's experience with a credit card payment, falling under general consumer protection laws and potentially the Fair Credit Reporting Act if credit reporting was affected.
Regulatory Insight
The referral suggests the issue may have been passed to another department or agency for further action or review.
Resolution Likelihood
likely
State-Specific Consumer Protections
The complaint originated in Pennsylvania and was closed with monetary relief, suggesting a positive outcome for the consumer within that state.
Industry Comparison
Payment processing issues are common in the credit card industry, but resolution with monetary relief is a positive indicator for Bank of America.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18423972 about?
CFPB complaint 18423972 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem when making payments", specifically "Problem during payment process". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on December 31, 2025.
Which company is complaint 18423972 filed against?
Complaint 18423972 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 18423972?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "Closed with monetary relief". The response was marked as timely by the CFPB.
When was complaint 18423972 filed?
Complaint 18423972 was received by the CFPB on December 31, 2025. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on January 2, 2026.
What state was complaint 18423972 filed from?
Complaint 18423972 was filed from Pennsylvania. You can view all complaints from this state at /state/PA.
Was the consumer satisfied with the resolution of complaint 18423972?
Dispute information is not available for complaint 18423972.
What product category is complaint 18423972 about?
Complaint 18423972 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 18423972 submitted?
Complaint 18423972 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 18423972?
This case involves a consumer's experience with a credit card payment, falling under general consumer protection laws and potentially the Fair Credit Reporting Act if credit reporting was affected. This relates to a Credit card complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Problem when making payments".
How likely is complaint 18423972 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with monetary relief". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 18423972?
This complaint is rated as low risk. The issue was resolved with monetary relief, indicating a manageable problem that did not escalate significantly.
What regulatory actions apply to complaint 18423972?
The referral suggests the issue may have been passed to another department or agency for further action or review. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 18423972?
Consumers facing payment processing issues should document all interactions and seek resolution promptly, especially if monetary relief is offered.
Are there state-specific protections for complaint 18423972?
The complaint originated in Pennsylvania and was closed with monetary relief, suggesting a positive outcome for the consumer within that state. This complaint was filed from Pennsylvania.
How does complaint 18423972 compare to industry norms?
Payment processing issues are common in the credit card industry, but resolution with monetary relief is a positive indicator for Bank of America.
What specific payment process issue did the consumer encounter?
The provided data does not specify the exact nature of the problem during the payment process, only that it occurred.
What was the nature of the monetary relief provided?
The details of the monetary relief are not specified in the data, only that it was granted.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.