Credit card -- Problem with a purchase shown on your statement -- Complaint #19182795
Bank of America Accused of Failing to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 19182795
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: Arizona
ZIP Code: 85020
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
The credit card company's failure to address a disputed purchase could indicate a pattern of poor customer service or inadequate dispute resolution processes, potentially leading to further consumer harm.
Consumer Sentiment: negative
Topics: Credit card disputes, Purchase disputes, Customer service
AI Analysis
CFPB complaint 19182795 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Credit card (General-purpose credit card or charge card), specifically about "Problem with a purchase shown on your statement". A consumer is disputing a purchase on their credit card statement with Bank of America, but the company has not resolved the issue. The complaint was received on January 31, 2026 from Arizona. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should keep detailed records of all communication with their credit card company regarding disputes and consider escalating the issue if it is not resolved promptly.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws that govern credit card billing disputes, such as the Fair Credit Billing Act (FCBA).
Regulatory Insight
Regulators may scrutinize how credit card companies handle disputes to ensure compliance with consumer protection laws and fair treatment of customers.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The dispute is occurring in Arizona, and state consumer protection laws may also apply.
Industry Comparison
This issue is common in the credit card industry, where disputes over purchases can arise and require timely resolution by the issuer.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19182795 about?
CFPB complaint 19182795 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Problem with a purchase shown on your statement", specifically "Credit card company isn't resolving a dispute about a purchase on your statement". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on January 31, 2026.
Which company is complaint 19182795 filed against?
Complaint 19182795 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 19182795?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19182795 filed?
Complaint 19182795 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 19182795 filed from?
Complaint 19182795 was filed from Arizona. You can view all complaints from this state at /state/AZ.
Was the consumer satisfied with the resolution of complaint 19182795?
Dispute information is not available for complaint 19182795.
What product category is complaint 19182795 about?
Complaint 19182795 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 19182795 submitted?
Complaint 19182795 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 19182795?
This situation falls under consumer protection laws that govern credit card billing disputes, such as the Fair Credit Billing Act (FCBA). This relates to a Credit card complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Problem with a purchase shown on your statement".
How likely is complaint 19182795 to be resolved?
Resolution likelihood: mixed. The company's current response is "In progress". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 19182795?
This complaint is rated as medium risk. The credit card company's failure to address a disputed purchase could indicate a pattern of poor customer service or inadequate dispute resolution processes, potentially leading to further consumer harm.
What regulatory actions apply to complaint 19182795?
Regulators may scrutinize how credit card companies handle disputes to ensure compliance with consumer protection laws and fair treatment of customers. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19182795?
Consumers should keep detailed records of all communication with their credit card company regarding disputes and consider escalating the issue if it is not resolved promptly.
Are there state-specific protections for complaint 19182795?
The dispute is occurring in Arizona, and state consumer protection laws may also apply. This complaint was filed from Arizona.
How does complaint 19182795 compare to industry norms?
This issue is common in the credit card industry, where disputes over purchases can arise and require timely resolution by the issuer.
What are the consumer's rights under the Fair Credit Billing Act (FCBA) when disputing a charge?
The FCBA provides consumers with rights to dispute billing errors, including incorrect charges for goods or services. It requires credit card companies to investigate disputes and respond within a specific timeframe.
What steps can a consumer take if their credit card company fails to resolve a dispute?
If the credit card company does not resolve the dispute satisfactorily, the consumer can file a complaint with the CFPB, their state Attorney General, or potentially pursue legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.