Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
UNAUTHORIZED CREDIT CARD CHARGE / FAILURE TO CORRECT Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX ( XXXX ) XXXX XXXX XXXX Company : Bank of America , N.A . Product : Credit Card Issue : Unauthorized transaction ; failure to correct billing error ; improper collection ; violation of TILA/FCBA/Regulation Z Account Ending : XXXX Bank of America Claim Number : XXXX Disputed Amount : {$2500.00} What Happened On XX/XX/XXXX, I used my Bank of America credit card to pay a portion of a bail deposit at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pennsylvania. The payment was made solely for bail, and the XXXX XXXX XXXX was authorized only to accept the payment for that purpose. My XXXX appeared for his scheduled hearing on XX/XX/XXXX, which satisfied the purpose of bail. Under Pennsylvania Rule of Criminal Procedure 535 ( D ), the bail funds became immediately returnable to me as the depositor. Instead of returning my bail deposit, the XXXX XXXX XXXX XXXX XXXX unilaterally diverted my bail funds to pay my XXXX unrelated court costs. I never authorized this diversion verbally or in writing. I did not sign any waiver, consent form, or acknowledgment permitting the XXXX to use my bail funds for any purpose other than bail. This diversion constitutes an unauthorized credit card transaction. Why This Is an Unauthorized Charge Under Federal Law Under the Truth in Lending Act ( 15 U.S.C. 1643 ( a ) ( 1 ) ), a cardholders maximum liability for an unauthorized credit card transaction is {$50.00}. Under Regulation Z ( 12 C.F.R. 1026.12 ( b ) ), unauthorized use includes any transaction made by a person who does not have actual, implied, or apparent authority. The XXXX XXXX XXXX had no authority to charge my card for court costs. Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ), Bank of America is required to : Correct unauthorized charges Suspend collection activity Not report the disputed amount as delinquent Conduct a reasonable investigation Bank of America has refused to remove the unauthorized charge and continues to treat the amount as valid. What Bank of America Did Wrong Bank of America violated : XXXX. Truth in Lending Act ( 15 U.S.C. 1643 ) They are attempting to hold me liable for {$2500.00}, far above the federal {$50.00} limit. XXXX. Fair Credit Billing Act ( 15 U.S.C. 1666 ) They failed to correct the unauthorized charge after receiving my written dispute. XXXX. Regulation Z ( 12 C.F.R. 1026.12 ( b ), 1026.13 ) They continued collection activity and refused to reverse the charge. XXXX. 12 C.F.R. 1026.13 ( d ) ( 1 ) They are prohibited from treating the disputed amount as past due or reporting it as delinquent. Bank of Americas investigation ignored the fact that the XXXX XXXX XXXX diverted the funds to a purpose I did not authorize. What I Want the CFPB to Do I am requesting that the CFPB require Bank of America to : XXXX. Remove the {$2500.00} unauthorized charge XXXX. Restore my account to the correct balance XXXX. Cease all collection activity XXXX. Remove any negative credit reporting XXXX. Confirm compliance in writing Supporting Documentation I have attached : My original dispute letter The detailed legal explanation of the unauthorized diversion Pennsylvania law showing bail belongs to the depositor Federal statutes and regulations limiting my liability Bank of Americas denial letter Evidence of the Clerk of Courts unauthorized diversion Summary XXXX XXXX XXXX XXXX XXXX XXXX diverted my bail funds without authorization. Bank of America is attempting to hold me liable for an unauthorized charge, in violation of TILA, FCBA, and Regulation Z. My maximum liability under federal law is {$50.00}, yet Bank of America refuses to remove the {$2500.00} charge. I am requesting CFPB intervention to enforce federal law and require Bank of America to correct this violation.

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