Credit card -- Problem with a purchase shown on your statement -- Complaint #17902436
Complaint Overview
Complaint ID: 17902436
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: Card was charged for something you did not purchase with the card
State: Maryland
ZIP Code: 210XX
Date Received: 2025-12-09T12:00:00-05:00
Date Sent to Company: 2025-12-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I am the victim of identity theft. A fraudulent Bank of America credit card account ending in XXXX was opened and used without my authorization. Despite repeated reports beginning in XX/XX/XXXX, Bank of America failed to close the account, continued allowing unauthorized transactions, and mailed statements to an unauthorized and incorrect address : XXXX XXXX XXXX, XXXX, MD XXXX, from XX/XX/XXXX through XX/XX/XXXX. IDENTITY THEFT EVENTS XX/XX/XXXX Burglary occurred ; not officially reported ; demonstrates early unauthorized access to my home and information. XX/XX/XXXX XXXX reported to the XXXX XXXX XXXX Department. XX/XX/XXXX XXXX reported burglary tied to identity theft. Perpetrator XXXX XXXX XXXX was arrested and convicted of burglary and theft-related offenses. I temporarily relocated to XXXX XXXX XXXX, a legitimate address associated with me. UNAUTHORIZED ADDRESS USED BY BANK OF AMERICA Bank of America mailed billing statements for the fraudulent account to : XXXX XXXX XXXX, XXXX, MD XXXX. I have never lived at, worked at, or authorized the use of this address. This misdirection prevented me from learning about the fraudulent account in a timely manner. CONSUMER ATTEMPTS TO RESOLVE ISSUE I repeatedly notified Bank of America of identity theft through online chats and recorded telephone calls, including : XX/XX/XXXX Identity theft reported ; account closure requested. XX/XX/XXXX Identity theft reported via online chat and supervisor. XX/XX/XXXX Identity theft confirmed via online chat. XX/XX/XXXX Recorded call ; account still active. XX/XX/XXXX Recorded call ; no resolution. XX/XX/XXXX Recorded call ; account still open. XX/XX/XXXX Recorded call ; misdirected XXXX address discovered. XX/XX/XXXX Recorded call ; fraud unresolved. XXXX XXXX Bank XXXX XXXX conduct appears to violate : XXXX : failure to investigate and correct unauthorized charges. FCRA 623 : furnishing inaccurate information. FCRA 605B : failing to block identity theft after notification. FCRA 611 : inadequate reinvestigation of disputes. Regulation Z : improper handling of unauthorized transactions.
Frequently Asked Questions
What is Complaint #17902436 about?
Complaint #17902436 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 2025-12-09T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". 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.