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. Bank of America Reg E Dispute ( Balance Errors ) * * * * Subject : Formal Regulation E Dispute Case # XXXX ] * * > Pursuant to * * 12 CFR 205.11 * *, I dispute * * {$89.00} * * in erroneous balance calculations and demand immediate correction. 
XXXX XXXX * * Evidence * * : XXXX - XX/XX/XXXX : {$110.00} debit incorrectly zeroed my balance ( should be {$39.00} ). 
> - XX/XX/XXXX : XXXX ATM fee adjustments under-credited by $ XXXX {$3.00} each. 
XXXX XXXX * * Legal Violations * * : XXXX - Failure to investigate/provide provisional credit within * * 10 days * * ( Reg E, 205.11 ( c ) ). 
XXXX - Visa Rule * * 5.4.2 * * : Incorrect posting of fee reversals. 
XXXX XXXX * * Demand * * : XXXX - Correct all balances + * * {$89.00} refund * * within 10 days. 
XXXX - XXXX * * 5 % APR interest * * on the discrepancy ( {$4.00} to date ). 
XXXX XXXX * * Escalation Warning * * : XXXX If unresolved by [ Date + 10 days ], I will file a small claims for * * 3x damages * * ( {$260.00} ) under CA CCP 116.220. 

-- XXXX XXXX Per * * Visa Core Rules 5.4.2 and 5.9.2 * *, I demand penalties for : > > * * 1. Late Fee Adjustments * * : XXXX - XXXX ATM fee reversals posted * * beyond XXXX business days * * ( XX/XX/XXXX ). 
> - * * Penalty Due * * : {$25.00} per violation = * * {$700.00} * *.

> > * * 2. MCC Code Fraud * * : > - " XXXX XXXX XXXX XXXX' ( XX/XX/XXXX ) charged under MCC 5993 without age verification. 
> - * * Refund Demand * * : {$12.00} + {$100.00} penalty ( Visa Rule 5.9.2 ). 
XXXX XXXX * * Action Required * * : > - Initiate a * * {$810.00} refund * * to my card within 14 days. 
> - Provide written confirmation of merchant penalties. 
> > * * Escalation * * : Non-compliance will trigger arbitration under Visas * * Article 8 * *. 


[ XXXX XXXX XXXX XXXX ] * * Subject : Demand for Refund Violation of Visa MCC Rules * * > To Whom It May Concern, > > Your transaction on * * XX/XX/XXXX * * for {$12.00} violated Visas MCC 5993 requirements : > > * * Violations * * : > 1. No age verification log retained ( Visa Rule 5.9.2 ).

> 2. Improper categorization of goods sold. 
XXXX XXXX * * Demand * * : XXXX - * * Refund {$12.00} * * to my card ending [ XXXX ] within 7 days. 
> - Provide proof of age verification or a * * {$100.00} penalty * * will be pursued via XXXX chargeback. 
XXXX XXXX * * Legal Notice * * : XXXX Failure to comply will result in a report to your acquiring bank XXXX Bank of America ) and the FTC. 

[ consumerfinance.gov/complaint ] ( https : //www.consumerfinance.gov/complaint/ ) * * XXXX * * Issue * * : " Incorrect balance calculation on prepaid card '' XXXX * * Details * * : XXXX " Bank of America has refused to correct {$89.00} in provable balance errors despite my Reg XXXX dispute dated XX/XX/XXXX ]. They violated : > - 12 CFR 205.11 ( 10-day resolution rule ) > - Visa Core Rule 5.4 ( fee posting timelines ) > > * * Requested Relief * * : > - {$89.00} refund + {$4.00} interest > - {$700.00} Visa penalties > - Correct all posted balances ''

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