Credit card -- Problem with a purchase shown on your statement -- Complaint #19905019
Bank of America Accused of Ignoring Credit Card Purchase Dispute
Complaint Overview
Complaint ID: 19905019
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: Georgia
ZIP Code: 30471
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 credit card company's failure to address a disputed purchase could indicate a pattern of poor customer service or potential violations of consumer protection laws regarding billing disputes.
Consumer Sentiment: negative
Topics: Credit card disputes, Billing errors, Consumer protection
AI Analysis
CFPB complaint 19905019 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 Georgia. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should clearly document all communication with the credit card company regarding the dispute, including dates, times, and the names of representatives spoken to, and consider sending a formal dispute letter via certified mail.
Legal Context & Consumer Protection Laws
The Fair Credit Billing Act (FCBA) provides consumers with rights to dispute billing errors, including unauthorized charges or incorrect amounts, and requires creditors to investigate and resolve these disputes within a specific timeframe.
Regulatory Insight
Regulators may scrutinize the company's dispute resolution processes to ensure compliance with the FCBA and other consumer protection regulations.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The consumer is located in Georgia, and state-specific consumer protection laws may also apply to this dispute.
Industry Comparison
Credit card companies generally have established procedures for handling purchase disputes, but the effectiveness and fairness of these processes can vary.
Related Issues
Frequently Asked Questions
What is CFPB complaint 19905019 about?
CFPB complaint 19905019 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 19905019 filed against?
Complaint 19905019 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 19905019?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 19905019 filed?
Complaint 19905019 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 19905019 filed from?
Complaint 19905019 was filed from Georgia. You can view all complaints from this state at /state/GA.
Was the consumer satisfied with the resolution of complaint 19905019?
Dispute information is not available for complaint 19905019.
What product category is complaint 19905019 about?
Complaint 19905019 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 19905019 submitted?
Complaint 19905019 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 19905019?
The Fair Credit Billing Act (FCBA) provides consumers with rights to dispute billing errors, including unauthorized charges or incorrect amounts, and requires creditors to investigate and resolve these disputes within a specific timeframe. 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 19905019 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 19905019?
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 potential violations of consumer protection laws regarding billing disputes.
What regulatory actions apply to complaint 19905019?
Regulators may scrutinize the company's dispute resolution processes to ensure compliance with the FCBA and other consumer protection regulations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Credit card industry.
What should the consumer do about complaint 19905019?
Consumers should clearly document all communication with the credit card company regarding the dispute, including dates, times, and the names of representatives spoken to, and consider sending a formal dispute letter via certified mail.
Are there state-specific protections for complaint 19905019?
The consumer is located in Georgia, and state-specific consumer protection laws may also apply to this dispute. This complaint was filed from Georgia.
How does complaint 19905019 compare to industry norms?
Credit card companies generally have established procedures for handling purchase disputes, but the effectiveness and fairness of these processes can vary.
What are the typical timeframes for a credit card company to resolve a billing dispute under the FCBA?
Under the FCBA, creditors generally have two billing cycles, but no more than 90 days, to investigate a billing dispute and respond to the consumer.
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.