Credit card -- Problem with a purchase shown on your statement -- Complaint #14344094
Complaint Overview
Complaint ID: 14344094
Company: Bank Of America, National Association
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-Issue: Credit card company isn't resolving a dispute about a purchase on your statement
State: New York
ZIP Code: 11735
Date Received: 2025-06-27T12:00:00-05:00
Date Sent to Company: 2025-06-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
To Whom It May Concern, This is an updated statement to supplement my original CFPB complaint ID XXXX against Bank of America regarding a {$5000.00} fraud involving impersonation, unauthorized credit card charges, and serious mishandling by the bank. The scam began when I called BoAs official helpline on XX/XX/year>. I was transferred to a woman calling herself XXXX XXXX, Head of Fraud Department ( ID XXXX ). She repeatedly contacted me and coerced me into authorizing what she called a test transaction. Two fraudulent charges of {$2500.00} each were processed to a hotel in XXXX while I was physically in XXXX, XXXX. I later contacted the hotel directly. They stated they had no record of any transaction in my name. Despite this, BoA : Misclassified the fraud as a billing dispute Denied my claim without disclosing any supporting documents Refused to reclassify the case despite clear evidence of impersonation and deception To make matters worse, I received additional scam calls on XX/XX/year> from XXXX XXXX, ID XXXX using numbers XXXX and XXXX, impersonating BoA and warning of fraud attempts. The voice was the same as XXXX XXXX. I reported this to XXXX, but no action has been taken by BoA. Over the past 18 months, I have been issued four replacement cards due to suspicious activity. This reflects serious internal security failures. I now keep all my cards locked and avoid using them due to these threats. As a XXXX XXXX XXXX XXXX with XXXX XXXX XXXX, and with my wife also under treatment for XXXX XXXX, this mishandling has placed our health and peace of mind at serious risk. I respectfully request : Immediate reclassification of the incident as fraud/social engineering A full reinvestigation and reversal of the {$5000.00} charge Full disclosure of documents and evidence used to deny my claim Accountability from BoA for failing to prevent further scam attempts Sincerely, XXXX XXXX XXXX XXXX XXXX ) Phone number : XXXX Email : XXXX XXXX
Frequently Asked Questions
What is Complaint #14344094 about?
Complaint #14344094 was filed against Bank Of America, National Association regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2025-06-27T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.