Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5021951
Complaint Overview
Complaint ID: 5021951
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: Card was charged for something you did not purchase with the card
State: Florida
ZIP Code: XXXXX
Date Received: 2021-12-18T12:00:00-05:00
Date Sent to Company: 2021-12-18T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/2021 XXXX charges in the amounts of {$220.00} and {$5.00} appeared on my XXXX XXXX XXXX with Bank of America. The description of these charges says XXXX XXXX XXXX CA. I do not have an account with either of these companies and do not do business with them. When I called the number they were unable to help me because, of course, I do not have an account with them. I then contacted Bank of America and reported the fraudulent charges and Bank of America reversed the charges the following day, XX/XX/2021, closed my account and mailed me a new credit card. I thought that was the end of it but on XX/XX/2021 the charge for {$220.00} reappeared on my account as part of the balance due. The charge for {$5.00} has not reappeared. The reason given by Bank of America for charging me back for this fraudulent charge was that the merchant has provided documentation confirming I received the merchandise or service. I immediately started calling Bank of America and talked to numerous persons on XX/XX/XXXX and XXXX, 2021. I requested the most basic information so I could explain why this isn't my charge which is the name of the merchant, the item I supposedly purchased and when and where it was delivered. Bank of America has not furnished me with any of that information. In Bank of America 's denial letter the transaction description is blank. XXXX can't help me, XXXX can't help me and Bank of America won't help me. Please help me.
Frequently Asked Questions
What is Complaint #5021951 about?
Complaint #5021951 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 2021-12-18T12:00:00-05:00.
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.