Consumer complaint received 2026-03-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Formal Complaint Regarding Reversed Credit Card and XXXX Payments I am submitting this complaint against Bank of America, regarding multiple payments to my XXXX XXXX ( XXXX XXXX ) and XXXX ( XXXX XXXX ) accounts that were reversed after being properly authorized, processed, and settled for several months. 1. History of Authorized Payments For several months prior to the end of my relationship, my ex-boyfriend voluntarily and knowingly used his debit card ( Bank Of America ) to make payments to my XXXX XXXX and XXXX accounts. These payments were fully authorized, consensual, and intended to cover shared household expenses and essential items for our child. All payments were processed successfully and reflected as completed on my accounts. On XXXX XXXX, 2025, he formally submitted a dispute to his bank claiming fraud. Following this dispute, several payments that had already been accepted and processed to my credit card account. 2. Dispute and Reversal of Payments After our relationship ended in late XXXX 2025, my ex-boyfriend disputed these previously authorized payments and reported them as fraudulent. This resulted in the reversal of multiple transactions that had already settled for months. I do not understand how the bank could proceed in this manner, as a review of my ex-boyfriends account clearly shows that his account had been used regularly for these payments for several months prior. This pattern demonstrates that the payments were authorized and legitimate, making it unclear why the bank accepted the fraud claims and reversed these settled transactions. The reversed transactions are as follows : XXXX Credit Card ( XXXX XXXX ) : {$1400.00} XXXX {$230.00} XXXX {$770.00} XXXX {$990.00} XXXX {$1100.00} XXXX Total reversed amount : {$4600.00} Affirm ( Celtic Bank ) : {$240.00} ( XX/XX/XXXX ) {$240.00} XXXX XX/XX/XXXX ) {$88.00} ( XX/XX/XXXX ) {$66.00} ( XX/XX/XXXX ) {$45.00} ( XX/XX/XXXX ) {$15.00} ( XX/XX/XXXX ) {$11.00} ( XX/XX/XXXX ) {$10.00} ( XX/XX/XXXX ) {$670.00} ( XX/XX/XXXX ) {$490.00} ( XX/XX/XXXX ) {$400.00} ( XX/XX/XXXX ) {$360.00} ( XX/XX/XXXX ) {$240.00} ( XX/XX/XXXX ) {$200.00} ( XX/XX/XXXX ) {$66.00} ( XX/XX/XXXX ) Total reversed amount : {$3100.00} 3. Concerns Regarding the Reversals -Transactions that were long settled were reversed without adequate scrutiny. -No meaningful investigation appears to have been conducted regarding authorization and consent. -I was not provided with documentation supporting the determination of fraud. -I was not given notice or an opportunity to provide evidence before the reversals were finalized. -The institution failed to explain the regulatory or contractual basis for reversing settled payments after such an extended period. The reversals have caused significant financial harm, leaving me responsible for balances that were previously paid and fully authorized.

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