Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
SUBJECT : Bank of America Systemic Refusal to Honor Visa Dispute Rights ( UDAAP Violation ) - Claim # XXXX COMPLAINT : I am filing a formal complaint regarding Bank of Americas unfair and deceptive refusal to process a valid merchant dispute. The bank is systematically misapplying federal " billing error '' statutes to block legitimate Visa Network disputes, effectively denying me the consumer protections I am contractually owed. 

THE FACTS & TIMELINE : -- Transaction : {$860.00} for legal services with a written " Money-Back Guarantee '' contingent on a future outcome ( preventing points on my license and fine ). 

-- XX/XX/year> ( Court Date ) : The court case concluded with a " Nolo Contendere '' plea. The merchant failed to inform me this outcome was unsuccessful. 

-- XX/XX/year> ( Date of Discovery ) : I personally obtained my Florida Driving Record, which was the first moment I discovered the service failure. The merchant had indicated I would get no points, but I discovered 4 points on my record. I also previously had to pay the maximum fine ( {$640.00} ) for my violation. 

EVIDENCE OF SERVICE FAILURE & MERCHANT MISREPRESENTATION : The Merchant has refused my refund based on factually incorrect legal assertions ( see attached " OTR Message '' ). The Merchant claims that " Typically, a nolo contendere ( no contest ) plea ... avoids adding points to your driving record. '' THE TRUTH : My attached XXXX Driving Record proves this advice was false for my specific case. The " Nolo '' plea resulted in a disposition of " Guilty '' and the immediate assessment of 4 points to my license in addition to the maximum possible fine ( {$640.00} ). The service failed to deliver the guaranteed outcome, yet the merchant is denying the refund based on demonstrable errors.

THE BANK 'S REGULATORY VIOLATION : Bank of America is acting in bad faith. They auto-rejected the claim citing Regulation Z ( 60 days ), which applies to billing errors, while willfully ignoring Visa Core Rules ( Reason Code 13.3 ). Under Visa rules, the 120-day dispute window for deferred services begins on the Date of Discovery ( XX/XX/XXXX ), not the transaction or court date. 

Despite multiple escalations, supervisors refused to : ( 1 ) Acknowledge the distinction between a " Billing Error '' and a " Merchant Dispute. '' ( 2 ) Review the uploaded government evidence proving the " Nolo '' plea resulted in points. ( 3 ) Correct the " Date of Discovery '' in their system.

CONSUMER HARM : This is a substantial financial injury ( {$860.00} ) caused by the banks refusal to honor its Cardholder Agreement. I have been a loyal customer for 6 years, but the bank 's circular, obstructive dispute process has made it impossible to obtain relief without regulatory intervention.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation