Prepaid card -- Problem with a purchase or transfer -- Complaint #19196981
Disputed Unauthorized Charge on Bank of America Prepaid Card
Complaint Overview
Complaint ID: 19196981
Company: Bank Of America, National Association
Product: Prepaid card
Sub-Product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-Issue: Charged for a purchase or transfer you did not make with the card
State: California
ZIP Code: 92506
Date Received: 2026-01-31T12:00:00-05:00
Date Sent to Company: 2026-02-03T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Referral
Risk Assessment
Risk Level: medium
Unauthorized charges can lead to financial loss and require thorough investigation by the financial institution.
Consumer Sentiment: neutral
Topics: Prepaid card, Government benefit card, Unauthorized transaction, Dispute
AI Analysis
CFPB complaint 19196981 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Prepaid card (Government benefit card), specifically about "Problem with a purchase or transfer". A consumer is disputing a charge on their Bank of America prepaid or government benefit card, alleging they did not make the purchase or transfer. The complaint was received on January 31, 2026 from California. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Contact Bank of America immediately to report the unauthorized charge and follow their dispute resolution process.
Legal Context & Consumer Protection Laws
Federal laws like the Electronic Fund Transfer Act (EFTA) provide consumer protections against unauthorized electronic transactions.
Regulatory Insight
Financial institutions must have robust systems to detect and investigate potentially fraudulent activity on prepaid and benefit cards.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint is filed in California, which may have additional state-specific consumer protection laws.
Industry Comparison
Disputes over unauthorized transactions are common across all types of payment cards, including prepaid and government benefit cards.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19196981 about?
CFPB complaint 19196981 involves Prepaid card (Government benefit card). The consumer reported an issue with "Problem with a purchase or transfer", specifically "Charged for a purchase or transfer you did not make with the card". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on January 31, 2026.
Which company is complaint 19196981 filed against?
Complaint 19196981 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 19196981?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19196981 filed?
Complaint 19196981 was received by the CFPB on January 31, 2026. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on February 3, 2026.
What state was complaint 19196981 filed from?
Complaint 19196981 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 19196981?
Dispute information is not available for complaint 19196981.
What product category is complaint 19196981 about?
Complaint 19196981 is categorized under "Prepaid card", specifically "Government benefit card". This is one of the product categories tracked by the CFPB.
How was complaint 19196981 submitted?
Complaint 19196981 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 19196981?
Federal laws like the Electronic Fund Transfer Act (EFTA) provide consumer protections against unauthorized electronic transactions. This relates to a Prepaid card complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Problem with a purchase or transfer".
How likely is complaint 19196981 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 19196981?
This complaint is rated as medium risk. Unauthorized charges can lead to financial loss and require thorough investigation by the financial institution.
What regulatory actions apply to complaint 19196981?
Financial institutions must have robust systems to detect and investigate potentially fraudulent activity on prepaid and benefit cards. The CFPB tracks complaints like this one to identify patterns of misconduct across the Prepaid card industry.
What should the consumer do about complaint 19196981?
Contact Bank of America immediately to report the unauthorized charge and follow their dispute resolution process.
Are there state-specific protections for complaint 19196981?
The complaint is filed in California, which may have additional state-specific consumer protection laws. This complaint was filed from California.
How does complaint 19196981 compare to industry norms?
Disputes over unauthorized transactions are common across all types of payment cards, including prepaid and government benefit cards.
What is the typical timeframe for resolving unauthorized charge disputes on prepaid cards?
Resolution times can vary, but regulations often require financial institutions to investigate and respond within a specific period, typically 10 business days for initial investigation and up to 45-90 days for a final resolution.
What documentation should the consumer provide to support their claim of an unauthorized charge?
The consumer should provide transaction details, dates, amounts, and any communication they've had with the merchant or bank regarding the disputed charge.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.