Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5305991
Complaint Overview
Complaint ID: 5305991
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: 33707
Date Received: 2022-03-09T12:00:00-05:00
Date Sent to Company: 2022-03-23T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
This complaint is against Bank of America, Credit Card Services. On XX/XX/2022 I Mistakenly made a payment twice to my Bank of America Credit Card Visa Platinum Plus Credit Card. The first payment of XXXX was credited to the card. The second payment of {$4000.00} meant to go to my other Credit Card XXXX XXXX Credit Card. Using the bank Bill Pay System I made a mistake and payed the Platinum Plus Credit Card. On XX/XX/XXXX I checked my account and became aware of my error. I called and some hours later I was able to reach a representative, who explained that the amount could only be refunded to the bank from which it was paid. That would be XXXX Bank, and that I should expect a refund in a couple of days. On XX/XX/2022, I had not received the refund, so again spending an inordinate amout of time I finally reached an agent, XXXX. She explained that the refund required reveiw by that department, which took place on XXXX and it was cleared to be refunded but the refund will take an additional 10 days and I should expect it in my account on XXXX. Banks now have the ability to wire funds in hours not days. This is a blantant method of holding payment to the benifit of the Credit Card Company to the disdvantage of consumers. I for one will be closing out my relationship with Bank of America and their Credit Card Servicer and I urge others to do the same.
Frequently Asked Questions
What is Complaint #5305991 about?
Complaint #5305991 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 2022-03-09T12:00:00-05:00.
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.