Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5149184
Complaint Overview
Complaint ID: 5149184
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Texas
ZIP Code: 77007
Date Received: 2022-01-25T12:00:00-05:00
Date Sent to Company: 2022-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Bank of America has decimated against me and accused me of authorizing transactions i have not made. I had three charges posted on my account by XXXX XXXX from XXXX totaling {$1500.00}. I disputed the transactions on XX/XX/XXXX and was told on XX/XX/XXXX, the claim was declined because I utilized mobile banking during that time and it is my responsibility to review each transaction each time I login. I stated I have never reviewed each transaction in the past and due to my work schedule I hadnt had time to review in detail. The associate opened the claim and said with the additional provided information it should be resolved soon but they did have up to 45 days. I provided the police report number from a burglary that occurred in XXXX. This gave insight to my laptop and XXXX being stolen. I was not able am to file an additional police report as I have had XXXX I have called several times inquiring on my claim and was told there was an investigation being conducted, I would receive additional documents to support their decision. My claim was declined again on Monday, XX/XX/XXXX. I called Bank of America on XX/XX/XXXX and was told the investigator closed the claim because he felt I made the transactions. I asked for additional time information and documentation to support this decision to proceed with the steps to seek assistance with identity theft. The supervisor stated there was no documentation as the investigator made this decision on his gut feeling and noting more.
Frequently Asked Questions
What is Complaint #5149184 about?
Complaint #5149184 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Problem with a lender or other company charging your account. 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 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 (Checking or savings account) 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.