Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5209454
Complaint Overview
Complaint ID: 5209454
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: California
ZIP Code: 93552
Date Received: 2022-02-10T12:00:00-05:00
Date Sent to Company: 2022-02-10T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2022, I wrote an appeal letter to inform Bank of America of fraudulent charges made on XX/XX/2022, with my card ending XXXX. That dispute was denied with a final decision of no fraudulent activity taking place. XXXX consecutive charges were made in the amounts of {$540.00}, {$3400.00}, {$3400.00}, and {$2000.00}. Currently, I reside in XXXX, California, these transactions were all made in Florida. The morning of XX/XX/2022, at XXXX am, I was at XXXX in XXXX, California purchasing groceries. My card was in my possession the entire time and is still in my possession today. It was after the fact that I received a text at XXXX pm, I immediately contacted Bank of America after receiving this text message, regarding these transactions. Although it was a long wait to speak to a representative, a dispute/ investigation was started at approximately XXXX pm. I followed up with the investigation of my account and still, Bank of America is still considering it no fraudulent activity was taken place. I asked what have they done to contact the merchant or verify these transactions. They stated it is still denied and that apparently, I had enough time to fly out to Florida and make these purchases. All these transactions were made online. No flights were purchased to Florida, and at that time I was at work and informed them if a letter was needed from my employer.
Frequently Asked Questions
What is Complaint #5209454 about?
Complaint #5209454 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 2022-02-10T12:00:00-05:00.
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 (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.