Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Between XXXX and XX/XX/2025, I made multiple payments related to a vehicle loan with XXXX, but did not receive the full signed contract until late XX/XX/2025. The vehicle had ongoing mechanical issues from the start. After facing financial hardship and job loss, I tried to accept a hardship plan offered by XXXX and XXXX, but they refused to honor it. 

Byrider unfairly repossessed my vehicle and then released me from the loan on XX/XX/2025. After this release, I initiated the dispute process with Bank of America for several transactions related to this loan, submitting detailed evidenceincluding communications with XXXX, emails, contract issues, and XXXX refusal to accept XXXX arbitration. 

The disputed transactions include : Claim ID XXXX ( {$500.00} ) Opened XX/XX/2025 XXXX15 business days ago Status : researching Claim ID XXXX ( {$300.00} ) Opened XX/XX/2025 ~14 business days ago Status : researching Claim ID XXXX ( {$500.00} ) Opened XX/XX/2025 ~14 business days ago Status : researching Claim ID XXXX ( {$300.00} ) Opened XX/XX/2025 ~14 business days ago Status : researching I also advised Bank of America repeatedly via fax to XXXX about these disputes, including three additional XX/XX/2025 transactions that have yet to receive claim numbers : XX/XX/2025 {$140.00} XXXX XXXX XXXXXXXX XX/XX/2025 {$300.00} XXXX XXXX XXXXXXXX XX/XX/2025 {$300.00} XXXX XXXX XXXX  Since these transactions occurred more than 60 days before I started disputing them, Bank of America may attempt to deny disputes based on the 60-day transaction dispute rule. However, I only began the dispute process after my release from the loan on XX/XX/2025, and have provided all relevant evidence promptly after that date. 

Additionally, some claims were inexplicably closed and then reopened on the same day, causing confusion and delays in resolution. This inconsistency raises concerns about the dispute process 's accuracy and thoroughness. 

As part of my evidence, I included active complaints filed with the Florida XXXX XXXX XXXX XXXX ( FLOFR ) and Florida Department of Highway Safety and Motor Vehicles ( FLHSMV ) concerning Byriders refusal to accept XXXX arbitration and other unfair practices. 

Furthermore, I have filed four complaints with the Consumer Financial Protection Bureau ( CFPB ) related to XXXX, with three closed complaints and one currently active, all tied to these issues.

Despite submitting all evidence, including faxes and communications, Bank of America has yet to issue provisional credits or fully resolve the disputes. 

Due to the lack of timely resolution and handling of these disputes, I filed a formal complaint with the Office of the Comptroller of the Currency ( XXXX ), and an XXXX Case ( XXXX ) has been created against Bank of America. 

I am requesting a thorough investigation and fair resolution of all charges.

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