Credit card or prepaid card -- Fees or interest -- Complaint #4343818
Complaint Overview
Complaint ID: 4343818
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: Florida
ZIP Code: 331XX
Date Received: 2021-05-02T12:00:00-05:00
Date Sent to Company: 2021-05-02T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a billing statement from Bank of America on my XXXX Credit card with payment due on XX/XX/2021. It had a late fee of {$25.00} plus an interest charge of XXXX for a total of XXXX. On XX/XX/2021. I called up the company and asked them to remove the fee since I didn't get the prior bill in the mail. The USPS has been having problem delivering all of my mail. Bank of America said that it would not eliminate the fee ( even though I have ALWAYS paid my balance in full and on time while I have had this card ). They said that they didn't receive a notice from USPS that the mail was undeliverable. I told them I can not speak for the USPS but that I didn't get the bill, so I would I know to pay it or to advise them that I hadn't received it. The representative at Bank of America contacted her supervisor on my request to eliminate the fee. That supervisor declined. I told them this was unfair and unreasonable. I told them that I have always paid in full and on time, and they still did not eliminate it. I requested a closure of my account. I would like a refund of this fee. I found that Bank of America has been unfair and unreasonable during this period of Covid 19 when mail delivery has not always worked. I told Bank of America this and I told them that I would be reporting this your office and the consumer protection office or AG 's office ( whichever is relevant ) in the State of Florida. Please advise what other information you need from me, and how I can obtain this refund. I asked them three times to remove this fee and they went two additional supervisors to try and remove the fee. They all declined. Please advise.
Frequently Asked Questions
What is Complaint #4343818 about?
Complaint #4343818 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Fees or interest. It was received by the CFPB on 2021-05-02T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.