Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Complainant : XXXX XXXX XXXX  : Bank of America XXXX XXXX : XXXX Date Dispute Originally Filed : XX/XX/XXXX Summary of the Issue My name is XXXX XXXX, and I am filing this complaint because Bank of America mishandled my dispute from the very beginning. I first filed my dispute on XX/XX/XXXX, and this process has been long, drawn-out, and extremely stressful. Despite following all of Bank of Americas policies, my claim has been denied multiple times due to the banks own errors, failure to upload evidence, and failure to notify me when they requested additional information. 

My dispute has had to be reopened XXXX separate times, and Bank of America still has not conducted a proper investigation. 



I Followed All of Bank of Americas Policies Before Filing the Dispute Before filing my dispute, I complied with Bank of Americas requirement to contact the merchant and attempt to resolve the issue directly. 

Here is what I did : I returned to the merchant after the initial repair and allowed him to attempt to fix the issue. 
Even after that attempt, my truck still was not fixed. 
The following day, at the merchants request, I took my vehicle to another mechanic to get feedback and I provided that feedback to the merchant. 
XXXX days later, my check engine light returned with the same catalytic converter codes. 
I contacted the merchant again, and he ignored me. 

Because the merchant refused to respond or correct the issue, I had no choice but to file a dispute with Bank of America. I completed everything required of me. Bank of America is the party failing to handle this properly. 



Detailed Description of What Happened With Bank of America 1. Initial Filing and First Denial ( After XX/XX/XXXX Filing ) I submitted all required evidence with my dispute. 
My claim was denied because the evidence was not attached, despite the fact that I submitted everything. 
A Bank of America representative later admitted my evidence was never uploaded their error.

2. Claim Reopened Second Denial I had my claim reopened. 
I had already submitted : A personal scan showing the defective code, XXXX XXXX diagnostic scan with the same code. 
Bank of America claimed they needed a second mechanics opinion. 
I was never notified by email, phone, mail, or online message that they needed additional information. 
The online portal never requested extra documents. 
Instead of notifying me, they simply closed my claim again, saying I failed to provide documentation they never asked for. 

3. Claim Reopened a XXXX XXXX I requested the claim be reopened a third time. 
Since Bank of America wanted another mechanics opinion, I asked the bank to pay for it, because : I already paid {$3000.00} for the repair, My vehicle is still not functioning properly, And I should not bear more financial burden due to improper repairs or mishandled disputes. 
I also stated that if the merchant wanted another opinion, the merchant should pay for it. 
Bank of America closed my claim again, saying I did not have enough proof despite : Their failure to review the evidence I submitted, Their failure to notify me about additional requirements, Their repeated handling errors.

Why This Is a Problem Bank of America has : Failed to upload and review my evidence, Requested new documents without notifying me, Closed my claim multiple times without giving me a chance to respond, Ignored the fact that I followed all dispute policies and contacted the merchant first, Expected me to pay for additional mechanic opinions after already spending {$3000.00}, Provided inconsistent and unfair dispute handling, Dragged this process out since XX/XX/XXXX with no proper resolution. 

This is an unreasonable and unfair handling of a consumer dispute. 



What I Am Requesting I ask the CFPB to require Bank of America to : 1. Review the entire handling of my dispute, including the initial failure to attach my evidence.

2. Reopen my claim and conduct a complete, fair investigation.

3. Ensure that all of my evidence is properly considered.

4. Correct the procedural errors made by the bank.

5. Provide the reimbursement or resolution I am owed.

6. Ensure customers are properly notified when additional information is needed.

7. Address the fact that this process has been dragged out since XX/XX/XXXX without proper handling.

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