Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4678524
Complaint Overview
Complaint ID: 4678524
Company: Bank Of America, National Association
Product: Credit card or prepaid 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: Connecticut
ZIP Code: 06410
Date Received: 2021-08-31T12:00:00-05:00
Date Sent to Company: 2021-08-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
In XX/XX/2020 I saw charges on my account that were unfamiliar, XXXX for about {$220.00}, and another for XXXX XXXX for just under {$10.00}. I called in to the fraud team at BOA and they were reviewing the account and verified they were ONLINE purchases, no chip used. At the same time they saw other suspicious charges out of Vermont I wasnt aware of they wrapped into the claim. A few days later I reported those other charges in Vermont were legitimate and I only needed to keep the XXXX and XXXX charges. They said they'll note the account, even though I asked to start a new claim with just those 2 charges. As I started to research, I contacted XXXX to engage them in the fraud purchase, and they referred me to XXXX police. I worked with them and it lead to the arrest of the person who purchased the ticket. They tracked the ticket and awaited the user to board and arrested them. I have previously sent this all to BOA. Several weeks ago after going back and forth nearly a DOZEN times and about 100+ hours of phone time, they denied it once again, and my final letter advising that 1. Chip was used, and 2. signature obtained. the case worker on the account only receives voicemails and i have left them the last 3 months to him XXXX XXXX XXXX, XXXX XXXX ). I have asked for proof of signature. When I call the actual fraud department, every time I speak to them they can clearly see the charges and they were online charges with NO CHIP USED. they also agree that they are fraud, however, when it goes to the investigative unit they deny the claim. The reason I am told they deny the claim is that they are still looking at it for all of the 8-10 original charges on the claim, vs just the 2 that I need in the claim.I know the other are mine and they have known that since day 2. I am entitled to be treated fairly. The people i am able to talk to all agree it is fraud and online purchases. I also have a police report I have given them that collaborates the investigation and arrest. For some reason it goes to people that wont talk to me and I can only receive letters from them and they do not return calls.
Frequently Asked Questions
What is Complaint #4678524 about?
Complaint #4678524 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2021-08-31T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was not 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 or prepaid 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.