Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I attached this text in a pdf format too named : CFPB Complaint Bank of America Product : Debit card Company : Bank of America Issue type : Unexpected / undisclosed fees ( multiple transactions ) I authorized multiple domestic debit-card transactions to a U.S.

based nonprofit ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Florida ) through the XXXX  payment platform. There are eight ( 8 ) separate transactions in which the authorized amounts entered were charged at higher amounts on my Bank of America statement, with no separate fee line or disclosure explaining the differences. 
For example, one transaction authorized for {$4500.00} USD posted as {$4700.00} USD. The same pattern appears across seven additional XXXX-processed transactions.

During the same statement period, I also made a debit-card payment to a U.S.-based merchant XXXX XXXX  XXXX, XXXX XXXX XXXX California ) that was not processed through XXXX, and it posted exactly as authorized with no additional amount, further isolating the issue to XXXX-processed transactions. 
Notably, Bank of America separately itemized international transaction fees for unrelated foreign merchants during the same statement periods, but no such fee was disclosed for the XXXX  processed XXXX transactions. 
Bank of America stated verbally, during recorded customer service calls, that it did not add any fees to these transactions and that the merchant or processor submitted the higher amounts. 
XXXX  ( the payment processor ) has provided a written response confirming that the authorized amounts entered were the original lower amounts shown in the XXXX  dashboard, and that XXXX does not apply card-issuer fees. XXXX  further stated that, in some cases, card issuers may apply additional charges when a cardholder is located outside the United States at the time of the transaction ; however, Bank of America has stated verbally that no such issuer-side fee was applied in this case. 
All other debit- and credit-card charges I made that were not processed through XXXX  posted exactly as authorized, with no additional amounts. 
As a result, I have two regulated financial institutions attributing responsibility to the other, while undisclosed debit-card surcharges were applied across eight transactions. 
Legal framing : Under U.S. consumer protection law and card network rules, the full transaction amount must be clearly disclosed to the cardholder prior to authorization, and any undisclosed post-authorization increase constitutes an improper charge. 
Requested resolution : XXXX. A written explanation confirming whether any issuer-side fees or adjustments were applied XXXX. XXXX of the authorization versus settlement amounts received from the card network for all XXXX transactions XXXX. A refund of all undisclosed charges if they were improperly applied

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