Consumer complaint received 2026-05-19 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:
I used my Alaska credit card through Bank of America to purchase a plane ticket. My balance on my credit card at the time of purchase was XXXX. Because I do not use this card often, I preemptively paid {$310.00} to cover the {$310.00} charge before it was officially posted. I accidentally paid from a XXXX savings account that had insufficient funds which could not cover the {$310.00} payment. I got a notification from XXXX saying there was insufficient funds to cover this payment. I then transferred money into the savings account and paid off my credit card balance in full. I then checked my credit card statement to ensure the payment had been processed and I had a {$310.00} balance on my statement although I successfully paid for the {$310.00} purchase. I called Bank of America and they could not tell me why they had put the {$310.00} onto my account but they had placed a refund check in the mail. I was NEVER contacted about the placement of the check in the mail. I am a travel nurse and I would not be able to pick up the check prior to my closing date. Because they had already sent the check in the mail the only other other option would be to deposit the money directly back into my Savings account. I was told this would take 48 hours from my phone call on Thursday at XXXX. I requested a confirmation email or claim/confirmation number and I was told they could not do that and I would need to trust this was being taken care of. I called back on Monday afternoon and was on hold for 39 minutes. I was told the request had been placed on Friday and I had to wait 48 hours for all processes to be requested so to call back later if this wasnt done. I requested to speak to a manager and I again requested a confirmation email or a claim number. He informed me it was impossible to send me an email or provide me with any numbers. I requested to file a complaint and he told me that he could do that on my behalf but I was not able to receive a copy and I would need to trust this was being completed on my behalf. I asked to speak to his supervisor and he informed me that type of request could not be completed for 24 hours. So at this time Bank of America has allegedly stolen {$310.00} from me and to resolve the situation they created a situation where it has to be done on business day time. The inability to provide me with any type of email, claim, or confirmation number is ridiculous so I have no documentation on my end of the process I have been through. Bank of America has stolen {$310.00} of my own money which will start gaining interest in 10 days. If I do not pay this off, it will impact MY credit report and my future. The unprofessionalism and inability to resolve a situation they created has been disgusting and my inability to submit a formal complaint on my own behalf is also disgusting.

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 monetary relief