Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #4796193
Complaint Overview
Complaint ID: 4796193
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: Oregon
ZIP Code: 972XX
Date Received: 2021-10-10T12:00:00-05:00
Date Sent to Company: 2021-10-10T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I discovered that my credit card with Bank of America ending in XXXX had been stolen. I immediately called Bank of America and initiated a fraud claim. I clearly stated to the investigator that I never received this card, meaning that I did not have possession of this card at the time the transactions were completed. BoA informed me on XX/XX/XXXX that I would be receiving provisional credit for all charges in the claim. On XX/XX/XXXX, they informed me via letter that they had denied my claim, citing the fact that my physical card was used to complete one or more of the transactions. I did not receive the letter stating this until XX/XX/XXXX, at which point I promptly called the fraud department again to request that they reopen my claim and clearly note that I did mot have possession of the card used to complete the {$8000.00} in fraudulent charges. I was told that my dispute had been reopened- but my claim status online is still closed. Additionally, my new card has been locked. When attempting to call a different department to resolve the locked card, I was told that they were unable unlock it, and that they would transfer me to the fraud department. After 10 additional minutes on hold, the call was terminated by the other line. I am simply requesting that my account be permanently credited for the charges that were completed with a stolen card, and for my account to be closed immediately thereafter.
Frequently Asked Questions
What is Complaint #4796193 about?
Complaint #4796193 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 2021-10-10T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was 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.