Credit card or prepaid card -- Problem when making payments -- Complaint #4754373
Complaint Overview
Complaint ID: 4754373
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: Florida
ZIP Code: 33880
Date Received: 2021-09-25T12:00:00-05:00
Date Sent to Company: 2021-09-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX at XXXX I went to the Bank of America ATM in XXXX XXXX Florida to make a payment on my credit card the payment amount was {$130.00} I made a deposit payment of {$130.00} the ATM gave me back a receipt and said it could not process my request and the receipt had the number XXXX it had a number and said it could not return my money and I would have to call the Electronic team at XXXX XXXX which I pulled over and immediately did the agent Said they could take my compliant but could not do anything to help me.Because this was after banking hours I gave the agent all the information and went home the next morning I called and was told That it was being investigated and that I would have to call back in about a week which I did on XX/XX/XXXX I called and an agent again said there was nothing he could do it was still being investigated I have been with Bank of America since XXXX and never had an issue like this A payment from that account was for my cellphone payment of XXXX that amount was refunded which made my balance XXXX since the bank took my XXXX payment deposit of that amount once the mistake is corrected and my funds are adjusted there would be a difference of XXXX owed back to me this is. New credit card the payment due date is for XX/XX/XXXX I was paying it earlier than it was due the agent I spoke with said they have to send someone out to collect the money from the ATM once the over payment amount of funds is calculated I would be given my money back or in this case the balance after the payment to the account is made I have never had a late payment or missed payment to any of my accounts I was told by that agent that any reports to the credit bureaus would be corrected by them that it could take up to 2months to correct it and issue my refund when I contacted XXXX XXXX XXXX and XXXX they informed me that isnt true and that once it is reported it will never be removed.Like I said I dont know how this bank can take 2 seconds to take my money but 2months to give it back and correct there mistakeI need this Documented and if possible someone from cooperate to resolve this I am at the point were Im ready to close some of my accounts with Bank of America its not fair as a loyal consumer I have to have this inconvenience of having to not only fix the payment but also deal with my credit being affected by there mistake.Other consumers need to be aware of this happening to them
Frequently Asked Questions
What is Complaint #4754373 about?
Complaint #4754373 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2021-09-25T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was not 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.