Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #4981029
Complaint Overview
Complaint ID: 4981029
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: Charged for a purchase or transfer you did not make with the card
State: California
ZIP Code: 92807
Date Received: 2021-12-06T12:00:00-05:00
Date Sent to Company: 2021-12-06T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My XXXX XXXX XXXX Bank of America Debit Card account was charged fraudulently 32 times for XXXX cents each paid to XXXX on or around XX/XX/2021. The debit card has always been in my possession. All charges to XXXX were not made or authorized by me : upon noticing multiple XXXX cent debits to XXXX i called number on back of the card & told the BofA rep about all of these small XXXX cent debits to XXXX. The representative told me not to worry, as other customers had been calling about the same XXXX issue and that BofA was aware of the breach? The rep told me to contact XXXX and see what they say - 12, days later XXXX sent a boilerplate reply they had no record of the charges?? called BofA back after XXXX said no record found on their end. The rep told me Id hear back within 10 days. And not to worry BofA was aware of the problem and that based on other customers also defrauded with same small XXXX charges that I could expect a refund same as the others, just needed to wait out the process she said : : ..2, weeks later, I received a letter from Bank of America denying refund. They said they had investigated and determined my debit card was used by me? That is not true. And insulting to boot. Also, between my initial call to BofA and charged my account another 9 times for $ XXXX also to XXXX. On the last call with BofA the rep apologized, said she needed to cancel the card and send me a new card. She said the previous rep shouldve cancelled the card when I called first time and told to contact XXXX. XXXX apparently doesnt have any phone support number - so i sent them a message on their support page the finally replied weeks later they had no record of the charges?
Frequently Asked Questions
What is Complaint #4981029 about?
Complaint #4981029 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 2021-12-06T12:00:00-05:00.
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.