Credit card -- Problem with a purchase shown on your statement -- Complaint #18985451
Complaint Overview
Complaint ID: 18985451
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: California
ZIP Code: 91755
Date Received: 2026-01-24T12:00:00-05:00
Date Sent to Company: 2026-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this complaint regarding Bank of Americas refusal to review my credit card dispute based solely on a XXXX time limit, without considering the nature, duration, or structure of the transaction. The transaction occurred in XXXX for a prepaid service package totaling {$1500.00}, structured as a multi-session cosmetic treatment program intended to be provided over a period of up to XXXX years, rather than a one-time service. After the first treatment, I experienced abnormal and persistent facial heat and burning that continued for several months. Given the long-term nature of the service and the delayed manifestation of the adverse effects, this issue could not have been reasonably identified, evaluated, or resolved within the standard XXXX credit card dispute period. I made multiple good-faith attempts to resolve the issue directly with the merchant. The merchant failed to provide any professional medical evaluation or corrective action and instead imposed unreasonable refund conditions, which significantly delayed resolution. Once it became clear that the merchant would not provide a fair resolution, I promptly contacted Bank of America to dispute the charge. Bank of America rejected my dispute solely on the basis that it was submitted outside the XXXX window, without conducting any substantive review or considering that this was a long-term service with delayed and ongoing adverse effects. This dispute does not involve a simple billing error. It concerns a failure to provide services as agreed, involving delayed discovery and ongoing harm within a long-term prepaid service agreement. I believe Bank of Americas rigid application of the 60-day rule in this context is unreasonable and inconsistent with fair dispute resolution practices. I am requesting that Bank of America reconsider and properly review my dispute based on the full facts and circumstances of this transaction, rather than dismissing it on procedural grounds alone.
Frequently Asked Questions
What is Complaint #18985451 about?
Complaint #18985451 was filed against Bank Of America, National Association regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2026-01-24T12:00:00-05:00.
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 (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.