Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5148329
Complaint Overview
Complaint ID: 5148329
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: New York
ZIP Code: 10016
Date Received: 2022-01-25T12:00:00-05:00
Date Sent to Company: 2022-01-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX- Card was stolen/lost. Reported to BofA, received new card with the same number XX/XX/XXXX - Fraudulent charge for {$1300.00}, reported immediately and was notified that chip was used ( likely the lost card, which number was not changed ). Received {$1300.00} credit. XX/XX/XXXX - Notified that claim was found to be legitimate due to chip usage and {$1300.00} credit was reversed ( balance of {$0.00} ). I requested claim be reopened, same result. XXXX XX/XX/XXXX - Filed police report on advice of BofA, sent police report to BofA and asked case to be re-opened, was assured this would be resolved quickly. XX/XX/XXXX - Received letter from BofA stating the claim has been resolved in my favora and a credit would be added to my account. No credit was added. I called back to BofA and was told they would reopen my case to get the credit added. XX/XX/XXXX - An ADDITIONAL {$1300.00} charge was added to my account by fraud claims. Now BofA is taking {$1300.00} from me ON TOP OF the original {$1300.00} fraudulent charge. XX/XX/XXXX - Call back and BofA tells me the reopened claim was denied, initially claims that they did not receive the police report and I would need to resend ( which I did ). However, a supervisor ( XXXX from Texas ) then confirms that they received the police report. Same supervisor then told me they need to reopen the claim again and require 10 business days to resolve, and that they can not resolve the problem immediately.
Frequently Asked Questions
What is Complaint #5148329 about?
Complaint #5148329 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 2022-01-25T12:00:00-05:00.
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.