Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5159220
Complaint Overview
Complaint ID: 5159220
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Florida
ZIP Code: 34761
Date Received: 2022-01-27T12:00:00-05:00
Date Sent to Company: 2022-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My name is XXXX XXXX XXXX I am submitting this complaint without any influence from any third party or agency. On XX/XX/XXXX, I asserted my claim to the instrument and proceeds exceeding any balance over {$1.00} to be credited back to me, as described in 12 CFR 226.11. When this letter was sent the balance that was on my credit card account with BOA was {$500.00}. I made a payment of {$50.00} and made a purchase which then left my balance at {$470.00}. I received a letter back from BOA, which I have attached to this complaint, which was dated XX/XX/XXXX, that says as of the date of this letter, the account doesn't currently have a credit balance. The same day that I received this letter, I received my new statement which was from XX/XX/XXXX thru XX/XX/XXXX. This statement is attached to this complaint as well. This statement shows that there is indeed a balance of {$470.00}. The letter that they sent to be proves that they violated 12 CFR 226.11. I requested for them to credit me back and the lied and stated there was no balance. I have since sent another letter, certified mail receipt attached, with the evidence that there is a balance on my account, a copy of the letter that they sent to me and a 2nd letter that specifically outlines the amount that I am requesting to have credited back to me within 7 business days from the receipt of this written request.
Frequently Asked Questions
What is Complaint #5159220 about?
Complaint #5159220 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-01-27T12:00:00-05:00.
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.