Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #4988517
Complaint Overview
Complaint ID: 4988517
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer
State: Michigan
ZIP Code: 48035
Date Received: 2021-12-08T12:00:00-05:00
Date Sent to Company: 2021-12-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/21 my bank contacted me about possible fraudulent activity on my prepaid XXXX debit card. I immediately same day called them and they told me {$280.00} was the amount and would issue a temporary credit of that amount ( which they did ). However, after hanging up I checked into my account and noticed there were hundreds of fraud amounts they did not account for. Actually over {$1000.00} more. I called back on XX/XX/21 and spoke to a few different people with Supervisor named XXXX being the last one. She advised me that I was correct and they would be issuing that amount to me within 90 days which I thought was abnormally long as why they were able to credit my account the first time within 3 day or so. I waited and just called again on XX/XX/21 and spoke to XXXX and was told they were still investigating and they still had until XX/XX/XXXX to complete. I just called again today XX/XX/21 just to check the status and now am being told it hasn't even been entered and that they have 90 days from THAT time which they couldn't even tell me when that " start '' date would happen! I need some kind of clarification as to WHEN I can expect my money. This was money I was needing to live off of while being XXXX. I tried to not even use that card for a few months but have now been needing to. I have used up most other resources and would really like this to have some kind of resolution not just a wait and wait until they get to it??
Frequently Asked Questions
What is Complaint #4988517 about?
Complaint #4988517 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2021-12-08T12:00:00-05:00.
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.