Checking or savings account -- Managing an account -- Complaint #19180207
Debit Card Issues with Bank of America Checking Account
Complaint Overview
Complaint ID: 19180207
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: Florida
ZIP Code: 33160
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: low
The complaint was closed with an explanation, suggesting the issue was resolved or deemed not to require further action from the bank's perspective.
Consumer Sentiment: neutral
Topics: Debit card issues, Checking account management, Bank of America
AI Analysis
CFPB complaint 19180207 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Checking or savings account (Checking account), specifically about "Managing an account". A consumer experienced issues using their debit or ATM card with Bank of America's checking account, and the complaint was closed with an explanation. The complaint was received on January 31, 2026 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
If you encounter problems with your debit or ATM card, contact your bank immediately to report the issue and seek resolution.
Legal Context & Consumer Protection Laws
Consumers have the right to dispute unauthorized transactions and resolve issues with their debit cards as per federal regulations like Regulation E.
Regulatory Insight
Banks are expected to provide clear explanations for account actions and to address customer service issues related to card functionality promptly.
Resolution Likelihood
unlikely
State-Specific Consumer Protections
The consumer is located in Florida, and the complaint was handled by Bank of America, a national banking association.
Industry Comparison
Debit card issues are common across the banking industry, with resolution times and customer satisfaction varying by institution.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19180207 about?
CFPB complaint 19180207 involves Checking or savings account (Checking account). The consumer reported an issue with "Managing an account", specifically "Problem using a debit or ATM card". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on January 31, 2026.
Which company is complaint 19180207 filed against?
Complaint 19180207 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 19180207?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 19180207 filed?
Complaint 19180207 was received by the CFPB on January 31, 2026. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on February 2, 2026.
What state was complaint 19180207 filed from?
Complaint 19180207 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 19180207?
Dispute information is not available for complaint 19180207.
What product category is complaint 19180207 about?
Complaint 19180207 is categorized under "Checking or savings account", specifically "Checking account". This is one of the product categories tracked by the CFPB.
How was complaint 19180207 submitted?
Complaint 19180207 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 19180207?
Consumers have the right to dispute unauthorized transactions and resolve issues with their debit cards as per federal regulations like Regulation E. This relates to a Checking or savings account complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Managing an account".
How likely is complaint 19180207 to be resolved?
Resolution likelihood: unlikely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19180207?
This complaint is rated as low risk. The complaint was closed with an explanation, suggesting the issue was resolved or deemed not to require further action from the bank's perspective.
What regulatory actions apply to complaint 19180207?
Banks are expected to provide clear explanations for account actions and to address customer service issues related to card functionality promptly. The CFPB tracks complaints like this one to identify patterns of misconduct across the Checking or savings account industry.
What should the consumer do about complaint 19180207?
If you encounter problems with your debit or ATM card, contact your bank immediately to report the issue and seek resolution.
Are there state-specific protections for complaint 19180207?
The consumer is located in Florida, and the complaint was handled by Bank of America, a national banking association. This complaint was filed from Florida.
How does complaint 19180207 compare to industry norms?
Debit card issues are common across the banking industry, with resolution times and customer satisfaction varying by institution.
What specific explanation was provided by Bank of America for the debit card issue?
The provided data does not specify the exact explanation given by Bank of America. Typically, explanations might relate to card limits, temporary blocks for security, or technical issues.
Were there any unauthorized transactions reported in conjunction with the debit card problem?
The data does not indicate any unauthorized transactions. The complaint focuses on the problem using the card itself, not necessarily fraudulent activity.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.