Credit card -- Fees or interest -- Complaint #20895532
Bank of America Faces Fee Dispute on Credit Card
Complaint Overview
Complaint ID: 20895532
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Massachusetts
ZIP Code: 02043
Date Received: 2026-04-02T12:00:00-05:00
Date Sent to Company: 2026-04-02T12:00:00-05:00
Company Response: In progress
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Risk Assessment
Risk Level: medium
The complaint concerns potential issues with fees charged on a credit card, which could indicate a pattern of unfair or deceptive practices if widespread.
Consumer Sentiment: neutral
Topics: Credit card fees, Consumer complaints, Bank of America
AI Analysis
CFPB complaint 20895532 was filed against BANK OF AMERICA, NATIONAL ASSOCIATION regarding Credit card (General-purpose credit card or charge card), specifically about "Fees or interest". A consumer filed a complaint against Bank of America regarding fees or interest on a general-purpose credit card, specifically a problem with fees, which is currently in progress. The complaint was received on April 2, 2026 from Massachusetts. The company responded with "In progress".
What You Should Do -- Consumer Action Plan
Consumers should carefully review their credit card statements for any unexpected fees and contact their bank immediately to dispute them.
Legal Context & Consumer Protection Laws
This complaint may fall under consumer protection laws like the Truth in Lending Act (TILA) and the Fair Credit Reporting Act (FCRA), which govern credit card fees and disclosures.
Regulatory Insight
Regulators may investigate if the fees in question are not clearly disclosed or are deemed excessive, potentially leading to enforcement actions.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originates from Massachusetts, a state with its own consumer protection laws that may offer additional recourse.
Industry Comparison
Credit card companies frequently face complaints related to fees, but the specifics of this case will determine its severity compared to industry norms.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20895532 about?
CFPB complaint 20895532 involves Credit card (General-purpose credit card or charge card). The consumer reported an issue with "Fees or interest", specifically "Problem with fees". This complaint was filed against BANK OF AMERICA, NATIONAL ASSOCIATION on April 2, 2026.
Which company is complaint 20895532 filed against?
Complaint 20895532 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 20895532?
BANK OF AMERICA, NATIONAL ASSOCIATION responded with "In progress". The response was marked as timely by the CFPB.
When was complaint 20895532 filed?
Complaint 20895532 was received by the CFPB on April 2, 2026. It was sent to BANK OF AMERICA, NATIONAL ASSOCIATION on April 2, 2026.
What state was complaint 20895532 filed from?
Complaint 20895532 was filed from Massachusetts. You can view all complaints from this state at /state/MA.
Was the consumer satisfied with the resolution of complaint 20895532?
Dispute information is not available for complaint 20895532.
What product category is complaint 20895532 about?
Complaint 20895532 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 20895532 submitted?
Complaint 20895532 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 20895532?
This complaint may fall under consumer protection laws like the Truth in Lending Act (TILA) and the Fair Credit Reporting Act (FCRA), which govern credit card fees and disclosures. This relates to a Credit card complaint against BANK OF AMERICA, NATIONAL ASSOCIATION involving "Fees or interest".
How likely is complaint 20895532 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 20895532?
This complaint is rated as medium risk. The complaint concerns potential issues with fees charged on a credit card, which could indicate a pattern of unfair or deceptive practices if widespread.
What regulatory actions apply to complaint 20895532?
Regulators may investigate if the fees in question are not clearly disclosed or are deemed excessive, 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 20895532?
Consumers should carefully review their credit card statements for any unexpected fees and contact their bank immediately to dispute them.
Are there state-specific protections for complaint 20895532?
The complaint originates from Massachusetts, a state with its own consumer protection laws that may offer additional recourse. This complaint was filed from Massachusetts.
How does complaint 20895532 compare to industry norms?
Credit card companies frequently face complaints related to fees, but the specifics of this case will determine its severity compared to industry norms.
What specific fee is the consumer disputing?
The provided data does not specify the exact fee in dispute, but it falls under the general category of 'Problem with fees' on a credit card.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.