Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4977094
Complaint Overview
Complaint ID: 4977094
Company: Bank Of America, National Association
Product: Credit card or prepaid 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: New Jersey
ZIP Code: 083XX
Date Received: 2021-12-05T12:00:00-05:00
Date Sent to Company: 2021-12-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Bank of America credit card is DISGUSTING! I purchased renters insurance for one year with XXXX XXXX ( through XXXX and a HUGE MISTAKE! ) on XX/XX/XXXX for {$140.00}. The agent charged me and stated I would get the declaration page through email but days went by and I never received it. XXXX couldnt find my policy nor my information the five times I called. So I disputed it with the bank. Finally, XXXX found my policy ( which was really weird ) so I then closed the dispute and the funds were put back onto my card. A few weeks later XXXX started harassing me that I did not pay the policy in full and I still owed money. XXXX claims BOA never released the funds ( basically stole my money ) I even reached out to XXXX XXXX, from XXXX XXXX ( who now changed her number ) who stated my policy is paid in full and to ignore all the emails. Well now, I AM WITHOUT RENTERS DUE TO XXXX CANCELLING ME!!!! First off, I want to explain the lack of customer service skills BOA representatives have. They literally will not answer your call for up to an hour, each and every time you call. It does not matter what day of the week nor time of day, know that you will be waiting on the phone for a ridiculous amount of time. That is unacceptable. The representatives have been giving me the run around about the dispute. One rep in particular, XXXX, left me a VM and I have been calling her back 3 times every day since and she still has not responded. After reporting them to the XXXX, they are doing the bare minimum to say they are at least responding, but no one is really working on it. I called yesterday and after waiting two hours to talk to someone, I was told there wasnt even a claim number for my dispute!!!! Plus, BOA is keeping the funds on my credit card even though that amount is being disputed and the service is cancelled!! BOA is insisting XXXX has my funds so they are not doing anything about it. I am NOT PAYING for a service I no longer have. One of these companies stole my money and I for sure am not letting this go until I get refunded!! Please note- if you need any other documents for proof, I will gladly provide them to you!
Frequently Asked Questions
What is Complaint #4977094 about?
Complaint #4977094 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-12-05T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". 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.