Credit card -- Other features, terms, or problems -- Complaint #18818099
Complaint Overview
Complaint ID: 18818099
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Arizona
ZIP Code: 857XX
Date Received: 2026-01-18T12:00:00-05:00
Date Sent to Company: 2026-01-18T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to formally complain and demand the immediate return of funds owed to me by Bank of America. This letter concerns closed credit card account number ending in XXXX, which currently has a credit balance of {$13000.00} that Bank of America is wrongfully holding. This money is indisputably mine. Your continued failure to return it is, at best, negligent and, at worst, fraudulent. Bank of America has now held these funds for over a month, without paying interest, without justification, and despite repeated requests for resolution. This has created an unnecessary financial burden on me and reflects a complete failure of internal controls and customer accountability. XXXX of events : XX/XX/XXXX : I contacted Bank of America and formally requested the release of my funds. I spoke with a representative named XXXX, who assured me the funds would be deposited into my bank account within a number of business days. After receiving no funds, I submitted a complaint through Bank of Americas Your Opinion Matters survey indicating the issue remained unresolved. XX/XX/XXXX : I followed up again and spoke with XXXX, who stated the funds would be deposited by XX/XX/XXXX. As of XX/XX/XXXX : The funds have still not been deposited, and no further communication or explanation has been provided. There is no legal or contractual basis for Bank of America to continue holding this money. Your failure to return it promptly, after multiple confirmations and assurances, is unacceptable. Demand : I demand that the full amount of {$13000.00} be returned to me immediately. If these funds are not released without further delay, I will pursue all available remedies, including legal action, to recover the money owed to me, along with any applicable damages, costs, and interest resulting from Bank of Americas failure to act. Please consider this letter a final attempt to resolve this matter amicably. I expect written confirmation and payment without further excuses.
Frequently Asked Questions
What is Complaint #18818099 about?
Complaint #18818099 was filed against Bank Of America, National Association regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2026-01-18T12:00:00-05:00.
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 (Credit card) 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.