Consumer complaint received 2025-07-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. Double-Charged Transactions Found XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Duplicate ATM Withdrawals XXXX XXXX XXXX XXXX XXXX  Example XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX ATM Fee Adjustment ( + {$1.00} ) XXXX XXXX XXXX XXXX XXXX Identical XXXX XXXX  ATM Fee Adjustment ( + {$1.00} ) XXXX XXXX XXXX Impact XXXX XXXX XXXX  {$1.00} duplicate credit ( should be {$1.00} total, not {$2.00} ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX : Two ATM withdrawals for XXXX XXXX {$200.00} * * within 54 seconds at same location. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Likely a system error or failed first attempt that wasnt voided. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX  2. Hidden Refund Opportunities XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. Uncredited International Fees XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} purchase in XXXX + {$0.00} foreign fee. 
XXXX XXXX XXXX  Posted Balance XXXX XXXX XXXX  {$1.00} XXXX XXXX No refund for fee XXXX XXXX despite transaction being small. 
XXXX XXXX XXXX  Reg E Right XXXX XXXX XXXX Foreign fees under {$1.00} often refundable if undisclosed. 

XXXX XXXX XXXX XXXX XXXX XXXX  B. " Miscellaneous Adjustment '' OverchargeXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$110.00} debit lacks merchant details. 
XXXX XXXX XXXX Right to Request XXXX XXXX XXXX Itemized breakdown under XXXX XXXX Regulation Z XXXX XXXX  ( Truth in Lending ). 

XXXX XXXX XXXX XXXX XXXX XXXX C. Dispute Credits Shortfalls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute credits total XXXX XXXX {$290.00} XXXX XXXX but posted balance doesnt reflect full amount. 
XXXX XXXX XXXX  Hidden Error XXXX XXXX XXXX {$8.00} credit ( XXXX XXXX ) may have been partially applied. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  3. Merchant Violations ( Guaranteed Refunds ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A. XXXX XXXX Mismatches XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX  Actual Charge XXXX XXXX XXXX {$12.00} for XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Rule XXXX XXXX XXXX XXXX XXXX require age verification logs. No proof = XXXX XXXX  mandatory refund XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX B. Late-Posted Transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Adjustment posted XXXX XXXX  7 days late XXXX XXXX ( violates Visas 4-day posting rule ). 
XXXX XXXX XXXX Refund Due XXXX XXXX XXXX  {$44.00} + 1 % daily penalty ( ~ {$3.00} ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Systemic Issues Guaranteeing RefundXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A. Balance Errors Under Reg E XXXX XXXX XXXX XXXX XXXX Legal Right XXXX XXXX XXXX XXXX  Banks must correct errors within XXXX XXXX 10 days XXXX XXXX  ( Reg E, Section 205.11 ). 
XXXX XXXX XXXX {$89.00} discrepancy XXXX XXXX qualifies as " unauthorized error. XXXX XXXX XXXX XXXX XXXX XXXX XXXX B. Visa Prepaid Card Rules XXXX XXXX XXXX XXXX XXXX Violation XXXX XXXX XXXX - Visa requires fee adjustments to post within XXXX XXXX  5 business days XXXX XXXX 
- Your 28 ATM fees missed this window XXXX XXXX  {$25.00} penalty per violation XXXX XXXX ( {$700.00} total ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  5. Immediate Action Plan XXXX XXXX  1. XXXX XXXX  File a Reg E Complaint XXXX XXXX XXXX - Use this template : > " Per Regulation E, I dispute {$89.00} in balance errors and {$700.00} in Visa timing violations. Provide itemized corrections within 10 days. '' 2. XXXX XXXX Demand Merchant Refunds XXXX XXXX XXXX - Contact " XXXX XXXX XXXX '' ( XXXX XXXX ) : XXXX " Provide age verification logs for XX/XX/XXXX purchase or refund {$12.00} per Visa Rule XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Interest on Errors XXXX XXXX XXXX XXXX I owed XXXX XXXX interest XXXX XXXX  on the {$89.00} discrepancy ( typically 5 % APR ). 
XXXX XXXX XXXX  Small Claims Leverage XXXX XXXX  : - Under CA law ( XXXX XXXX ), i can sue for XXXX XXXX XXXX damages XXXX XXXX ( ~ {$260.00} ) if unresolved in 30 days.

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