Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #4973781
Complaint Overview
Complaint ID: 4973781
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer
State: California
ZIP Code: 92647
Date Received: 2021-12-03T12:00:00-05:00
Date Sent to Company: 2021-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On three different occasions, funds were transferred out of my account and into another person 's bank account. I did not authorize transfers. The first two times this occurred, Bank of America provided me with a provisional credit in two weeks. When the third transfer of {$1100.00} occurred on XX/XX/2021, I reported the incident to a supervisor at BofA who informed me that he would request an expedited investigation and provisional credit, due to hardship. He listed the hardship as follows : I had {$0.00} in my BofA account and less than {$100.00} in my XXXX XXXX account, I got into a car accident that day and my car was totaled, I am unable to work due to a XXXX, and I have no source of income. The supervisor, XXXX XXXX, also indicated he would file a complaint as he felt BofA had not handled the fraud well from the beginning ; he said that more should have been done to secure my account to prevent additional fraud. XXXX XXXX suggested I call back in a few days to get a status update. I called back on XX/XX/2021 and learned that XXXX XXXX had not submitted notes to request an expedited investigation and XXXX credit. The supervisor I spoke to on XX/XX/2021 submitted a request for an expedited investigation and provisional credit. I contacted BofA on the following dates to follow-up on the fraud investigation and provisional credit : XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, and XX/XX/2021. On XX/XX/2021, supervisor, XXXX from Louisiana, informed me that I had been misinformed by all others I spoke to. She said that provisional credits can not be requested for XXXX ( XXXX recipients ), and I should not have been told that there was a possibility of receiving a provisional credit. XXXX made notes of the contacts I had with BofA representatives and supervisors, the history of fraud and my hardship case, and escalated the notes to the fraud investigations department and Bank of America corporate office. To date, XX/XX/2021, I have not received any communication from BofA, and have not received a provisional credit to my account.
Frequently Asked Questions
What is Complaint #4973781 about?
Complaint #4973781 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2021-12-03T12:00:00-05:00.
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 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.