Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5133190
Complaint Overview
Complaint ID: 5133190
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: California
ZIP Code: 93292
Date Received: 2022-01-20T12:00:00-05:00
Date Sent to Company: 2022-01-21T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I traveled to XXXX on XX/XX/XXXX, stopped at a gas station for gas, and used my Bank of America credit card. On the way home I stopped to buy food, while I was going to pay I noticed that my Bank of America credit card was not with me. I called the credit card immediately to report it missing. They asked me if I recognized a charge of {$980.00} dollars that was recent on my card and I explained that I only use my card to buy gasoline. They said they would open a fraud claim and perform an investigation. I didnt heard from Bank Of American for over a month and I went to my account on XX/XX/XXXX and saw the {$980.00} charges again on my account with a message saying " case # XXXX closed ''. I called fraud customer service again and I was told that they they wouldn't accept my claim because I've shopped at that store many times before, I used my pin, I signed while paying, and I authorized someone to use my credit card. I explained to them that I didn't even know what store was because I was not informed of the store name and what merchandise they bought with my card, because Bank of America never notified me about it and that I only used my card to put gas in my car and I went home, which is 3 hours from XXXX XXXX. I requested the lady a proofs of all the accusations she was doing to me. She told me that they were going to reopen the case. They ignored my claim again and left the charges on my account. Approximately the second week of XXXX I called again and they told me that they closed the case again and that they were going to reopen it to investigate again. On XX/XX/XXXX I got the first letter from Bank of America with my claim denied, and saying they already reported me to XXXX, XXXX, XXXX, XXXX and giving me the same excuses they gave me over the phone. They never sent me the proofs I requested of the accusations that they made me that I had previously bought in that store, they never explained to me what store it was so I could discuss with the person about that fraudulent charge and they never told me what they bought with me card. It is not fair that I have to pay for being a victim of fraud as it happens to millions of people in this country.
Frequently Asked Questions
What is Complaint #5133190 about?
Complaint #5133190 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 2022-01-20T12:00:00-05:00.
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.