Checking or savings account -- Managing an account -- Complaint #9961228
Complaint Overview
Complaint ID: 9961228
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Problem using a debit or ATM card
State: Illinois
ZIP Code: 60103
Date Received: 2024-08-27T12:00:00-05:00
Date Sent to Company: 2024-08-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a formal complaint against Bank of America concerning their handling of a recent dispute. Approximately a year ago, I placed several pre-orders through XXXX with a merchant. I have substantial evidence, including email correspondence, indicating that the merchant will not fulfill these orders due to a warehouse issue. The merchant has advised me to seek a refund through my bank. I have successfully disputed similar charges with other financial institutions, such as XXXX ( under XXXX ) and XXXX XXXX, for the same merchant and timeframe. However, Bank of America has consistently refused to investigate my disputes, citing their policy of not reviewing transactions older than 60 days. This stance persists despite my clear and irrefutable evidence supporting my claim for a credit. Furthermore, Bank of America initially opened my disputes but subsequently closed them within days without conducting a thorough investigation. This lack of action has left me with no resolution for the disputed charges. I respectfully request your assistance in addressing this issue and ensuring that Bank of America adheres to proper dispute resolution practices. Thank you for your attention to this matter.
Frequently Asked Questions
What is Complaint #9961228 about?
Complaint #9961228 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-08-27T12:00:00-05:00.
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 (Checking or savings account) 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.