Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
his is a NEW complaint, separate from XXXX # XXXX -- -- - Company : Bank of America , N.A . Product : Credit card ( Account ending in XXXX ) Issue : Problem with a purchase shown on your statement Card company isn't resolving a dispute about a purchase on your statement. WHAT HAPPENED : This complaint concerns Bank of America 's apparent manipulation of the CFPB complaint resolution process to mischaracterize the outcome of my prior complaint ( Case # XXXX ). BACKGROUND : I filed a CFPB complaint regarding a {$2200.00} credit card charge from XXXX XXXX XXXX for merchandise that was never delivered. Bank of America denied my dispute four times, each time citing only the XXXX billing error window under Regulation Z 1026.13, while refusing to evaluate my claim under the separate and independent provisions of 12 CFR 1026.12 ( c ) which has no time limit. THE CONCERN : In its formal CFPB response dated XX/XX/XXXX ( Case # XXXX ), Bank of America denied my {$2200.00} claim but simultaneously issued a " service-related adjustment '' of {$48.00}, representing {$25.00} in late fees and {$23.00} in interest that Bank of America itself assessed to my account during XXXX and XX/XX/XXXX. These fees and interest were caused directly by Bank of America 's own dispute process. I pay my credit card balance in full every month and have done so consistently throughout my XXXXyear relationship with this institution. The only reason late fees and interest appeared on my account was because of the confusion and delays created by Bank of America 's handling of my dispute. By refunding {$48.00} in fees that Bank of America itself caused while denying the {$2200.00} that was actually in dispute Bank of America can now classify my complaint in the CFPB database as " closed with monetary relief. '' This classification creates a false impression that the consumer received meaningful relief, when in reality : XXXX. The {$2200.00} dispute was denied in full the core issue was not resolved. XXXX. The {$48.00} " relief '' represents a refund of Bank of America 's own fees that should never have been assessed in the first place. XXXX. The " monetary relief '' amounts to 2.2 % of the amount actually in dispute. XXXX. The classification makes this complaint appear resolved in CFPB aggregate data, potentially reducing regulatory scrutiny. This practice offering token refunds of bank-caused fees to reclassify denied claims as " closed with monetary relief '' undermines the integrity of the CFPB complaint database. If this is a systemic practice across Bank of America 's complaint responses, it would artificially inflate BofA 's monetary relief statistics and obscure the true rate at which substantive consumer complaints are being denied. I am not suggesting the CFPB should decline the {$48.00} refund those fees should never have been charged. I am asking the CFPB to : XXXX. Ensure that my prior complaint ( Case # XXXX ) is accurately classified to reflect that the substantive {$2200.00} dispute was denied, not resolved with monetary relief. XXXX. Investigate whether Bank of America systematically uses token fee refunds to reclassify denied disputes as " closed with monetary relief '' in the CFPB database. XXXX. Consider whether this practice constitutes a deceptive or misleading response to CFPB complaints, undermining the purpose of the Consumer Complaint Database. For the record, the underlying dispute involves merchandise never delivered by XXXX XXXX XXXX, a company with an F rating from the BBB and XXXX unanswered consumer complaints. Bank of America denied my claim XXXX times without ever evaluating it under 12 CFR 1026.12 ( c ), a federal provision I explicitly invoked in every communication. The full history is documented in XXXX # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX | ( XXXX ) XXXX Prior CFPB Case : # XXXX BofA Claim # XXXX | Account ending in XXXX Preferred Rewards Diamond Honors Member since XXXX | BofA client XXXX XXXX

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