Credit card or prepaid card -- Fees or interest -- Complaint #5021422
Complaint Overview
Complaint ID: 5021422
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: North Carolina
ZIP Code: 27519
Date Received: 2021-12-17T12:00:00-05:00
Date Sent to Company: 2021-12-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a credit card in late XXXX. I have already enrolled my bank information with BOA because I use autopay. I have not received a bill for this new account. I logged online to file a dispute about a recent purchase only to learn that my account was overdue three days and I had been charged almost {$50.00} interest the day prior. I immediately paid the bill online with the bank info already on file with BOA and re-signed up for autopay which was unexpectedly not active for this specific account, though it was active for others. I chatted with a rep who promised to refund back the {$29.00} late fee but not the almost {$50.00} in one days interest on {$3300.00} total charges. I explained that I did not know I was overdue because I have bot received a paper bill as promised and also should have been on autopay like my other BOA credit cards. I also explained that my husband had XXXX XXXX in XXXX and readmitted in XXXX that we have spent weeks in the hospital and don't need any erroneous fees. My credit score is also very important to me- I have NO LATE bills EVER in decades.
Frequently Asked Questions
What is Complaint #5021422 about?
Complaint #5021422 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 2021-12-17T12:00:00-05:00.
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.