Credit card -- Problem with a purchase shown on your statement -- Complaint #19896381
Bank of America Failing to Resolve Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 19896381
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: 94401
Date Received: 2026-02-28T12:00:00-05:00
Date Sent to Company: 2026-03-02T12:00:00-05:00
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 lead to ongoing financial harm for the consumer and potential regulatory scrutiny.
Consumer Sentiment: negative
Topics: Credit card disputes, Billing errors, Consumer protection
AI Analysis
CFPB complaint 19896381 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 February 28, 2026 from California. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should continue to document all communication with the credit card company and consider escalating the dispute if it remains unresolved.
Legal Context & Consumer Protection Laws
This situation falls under consumer protection laws related to billing disputes and fair credit practices.
Regulatory Insight
Regulators may examine the company's dispute resolution processes to ensure compliance with consumer protection laws.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in California (CA).
Industry Comparison
This is a common issue across credit card companies, highlighting the importance of robust dispute resolution mechanisms.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19896381 about?
CFPB complaint 19896381 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 February 28, 2026.
Which company is complaint 19896381 filed against?
Complaint 19896381 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 19896381?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19896381 filed?
Complaint 19896381 was received by the CFPB on February 28, 2026. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on March 2, 2026.
What state was complaint 19896381 filed from?
Complaint 19896381 was filed from California. You can view all complaints from this state at /state/CA.
Was the consumer satisfied with the resolution of complaint 19896381?
Dispute information is not available for complaint 19896381.
What product category is complaint 19896381 about?
Complaint 19896381 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 19896381 submitted?
Complaint 19896381 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 19896381?
This situation falls under consumer protection laws related to billing disputes and fair credit practices. 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 19896381 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 19896381?
This complaint is rated as medium risk. The company's failure to address a disputed purchase could lead to ongoing financial harm for the consumer and potential regulatory scrutiny.
What regulatory actions apply to complaint 19896381?
Regulators may examine the company's dispute resolution processes to ensure compliance with consumer protection laws. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19896381?
Consumers should continue to document all communication with the credit card company and consider escalating the dispute if it remains unresolved.
Are there state-specific protections for complaint 19896381?
The consumer is located in California (CA). This complaint was filed from California.
How does complaint 19896381 compare to industry norms?
This is a common issue across credit card companies, highlighting the importance of robust dispute resolution mechanisms.
What steps can a consumer take if their credit card company fails to resolve a billing dispute?
Consumers can file a complaint with the CFPB, report the issue to credit bureaus, and potentially seek legal counsel if the dispute involves a significant amount.
How long should a credit card company take to resolve a billing dispute?
While specific timelines can vary, companies are generally expected to investigate and respond to disputes within a reasonable period, often within 60 days of receiving the dispute.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.