Credit card -- Problem with a purchase shown on your statement -- Complaint #19184783
Bank of America Accused of Failing to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 19184783
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: Michigan
ZIP Code: 49450
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 company's failure to address a disputed purchase could indicate a pattern of poor customer service or a systemic issue with their dispute resolution process.
Consumer Sentiment: negative
Topics: Credit card disputes, Purchase disputes, Customer service
AI Analysis
CFPB complaint 19184783 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 is not resolving the issue. The complaint was received on January 31, 2026 from Michigan. 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
The Fair Credit Billing Act (FCBA) provides consumers with rights regarding billing errors and disputes on credit card statements.
Regulatory Insight
Regulators may scrutinize companies that demonstrate a pattern of not adequately resolving consumer disputes, potentially leading to enforcement actions.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Michigan, and state-specific consumer protection laws may also apply to this dispute.
Industry Comparison
Credit card companies are expected to have robust dispute resolution processes, and failure to do so can lead to significant customer dissatisfaction and regulatory scrutiny.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19184783 about?
CFPB complaint 19184783 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 19184783 filed against?
Complaint 19184783 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 19184783?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19184783 filed?
Complaint 19184783 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 19184783 filed from?
Complaint 19184783 was filed from Michigan. You can view all complaints from this state at /state/MI.
Was the consumer satisfied with the resolution of complaint 19184783?
Dispute information is not available for complaint 19184783.
What product category is complaint 19184783 about?
Complaint 19184783 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 19184783 submitted?
Complaint 19184783 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 19184783?
The Fair Credit Billing Act (FCBA) provides consumers with rights regarding billing errors and disputes on credit card statements. 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 19184783 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 19184783?
This complaint is rated as medium risk. The company's failure to address a disputed purchase could indicate a pattern of poor customer service or a systemic issue with their dispute resolution process.
What regulatory actions apply to complaint 19184783?
Regulators may scrutinize companies that demonstrate a pattern of not adequately resolving consumer disputes, potentially leading to enforcement actions. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19184783?
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 19184783?
The consumer is located in Michigan, and state-specific consumer protection laws may also apply to this dispute. This complaint was filed from Michigan.
How does complaint 19184783 compare to industry norms?
Credit card companies are expected to have robust dispute resolution processes, and failure to do so can lead to significant customer dissatisfaction and regulatory scrutiny.
What are the typical timeframes for a credit card company to resolve a purchase dispute?
Under the Fair Credit Billing Act, credit card companies generally have up to two billing cycles, or 90 days, to investigate and resolve a billing dispute.
What steps can a consumer take if their credit card company fails to resolve a dispute?
If the dispute is not resolved satisfactorily, the consumer can file a complaint with the CFPB, their state Attorney General, or consider legal action.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.