Consumer complaint received 2026-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
My complaint is about Bank of Americas handling of claim number XXXX. On or about XX/XX/year>2026, I was originally trying to rent a car through XXXX at a much lower advertised rate, around {$30.00} per day. Instead, I was redirected to XX/XX/XXXXlate at night, in heavy rain. I was told to go there and that they would immediately send a car to pick me up. That is how I ended up at XXXX. When I arrived, the location was dark, rundown, and did not appear to be a normal, legitimate rental environment. I had no usable phone signal there and could not meaningfully call anyone, verify information, compare options, or protect myself. There were multiple employees around me, speaking in a language I could not understand, and I felt intimidated and pressured throughout the transaction. Most importantly, they refused to clearly disclose the real price before demanding payment. They pushed me to use my debit card first. My card was declined multiple times, and even after that they kept pressuring me to try again. They still refused to clearly disclose the true amount before payment. Only at checkout was I told that the amount was {$230.00}, and I was verbally told that {$230.00} covered XXXX days. However, the written contract they rushed me to sign stated that {$230.00} was for XXXX day. That is a direct contradiction between what was represented to me verbally and what was put in writing. I was pressured to sign quickly and was not given a fair opportunity to review or reject the terms. The vehicle they gave me, a XXXX XXXX, also had serious problems. There was a warning indicator on the dashboard when the vehicle was delivered. I raised concerns immediately and was told it was fine and that I should drive it anyway. The car also had almost no fuel. While driving, I experienced repeated stalling and restarting, including while braking and while on the highway. I was placed in a dangerous situation and nearly had a serious incident on the highway. On top of that, they gave me a car with almost no fuel and then tried to impose a refill charge of {$9.00} per gallon, far above normal California gas prices. The receipt and paperwork were also highly irregular. The paperwork showed taxes as {$0.00} and did not provide a clear breakdown of the charges. I was never given a fair, honest, and intelligible explanation of the pricing, fees, or taxes before they pushed the transaction through. I also later found evidence that the insurance product they pushed appeared to be connected to affiliate or commission-based arrangements, which raises serious concerns for me about whether the insurance was being sold in my best interest or as part of a profit-sharing setup with the rental company. At minimum, the insurance was not clearly and meaningfully explained to me before I was pressured into paying. I returned the vehicle early, after only a few hours of actual use, because of the serious problems. I asked for a refund and for a clear explanation of the pricing, contract terms, fees, and taxes. The merchant refused to refund me and refused to meaningfully explain why I had been verbally told {$230.00} was for XXXX days while the written contract showed XXXX day. Their conduct was rude, dismissive, and intimidating. I then disputed the debit card transaction with Bank of America and submitted supporting documentation, including the original lower-priced booking, the XXXX agreement , merchant communications, and my written explanation. Bank of America still denied the dispute. In my view, the bank failed to properly address the central issues : the merchant refused to disclose the real price until checkout, pressured me to keep trying my card after repeated declines, verbally represented {$230.00} as covering XXXX days, then used paperwork showing XXXX day, provided an unsafe vehicle, and used unclear documentation showing XXXX taxes and no meaningful breakdown. This was not a normal customer service issue or a simple disagreement over price. It was a deceptive, coercive transaction involving an unsafe vehicle, and I believe Bank of America did not fairly investigate my dispute.

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