Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #5245459
Complaint Overview
Complaint ID: 5245459
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer
State: California
ZIP Code: 91335
Date Received: 2022-02-21T12:00:00-05:00
Date Sent to Company: 2022-02-21T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Hello, ****PLEASE HELP**** PLEASE HELP. Whoever is reading this, I hope you are having a good day. I havent been able to get this money back, and Ive spent countless nights crying and depressed. On XX/XX/2021 I received an email from bank of america for a fraud alert for my unemployment card. Someone tried to withdraw some money from an ATM in XXXX XXXX, CA. I live in XXXX, CA. I was not in XXXX XXXX, and I NEVER LOST MY CARD. Naturally, I called my bank and checked my statements. Almost all of my money was gone. This is a card I dont really use, so it was normal for me to not check the activity often. There were a series of withdrawals before the XXXX, listed below, ( I did not receive fraud alerts ) I filed a fraud claim, and my claim was denied. I had no idea why it was denied, so I asked for it to be reopened. I was also told that filing a police report and faxing my drivers license would help, so I did those things. My claim still gets denied. I have reopened it probably 5 or 10 times now, I dont know. I lost count. I found out that I had a wrong date on the initial fraud claim, as well as on the police report. The fraudulent transactions were : {$1000.00} on XXXX XXXX each. for a total of {$8000.00}. I mistakenly claimed on both the police report and the fraud claim that a {$900.00} charge on XX/XX/XXXX was fraudulent, but it was me. I have made this fact *very* clear to the fraud department or whoever XXXX XXXX is in charge at bank of america XXXX They have assured me this documentation has been recorded. It is now XX/XX/XXXX, and the {$8000.00} that is mine still has not been returned. I never lost my card, and Bank of America does not want to give me my money back. Ive called countless times. Begging, pleading. Ive even spoken to a couple people at the bank, who told me over the phone they were looking at the camera footage and the FOOTAGE CLEARLY SHOWS AN ELDERLY MAN withdrawing money on the above dates. Obviously, not me. I am XXXX, XXXX, and wear glasses. The difference, according to whoever was on the phone, is very easy to tell. Again, to emphasize, I never lost my card. A stranger criminal was able to take my information somehow. This was all on a Bank of America atm by the way. ****Please help me. No one wants to help me. Im desperate for this money back. *** ill attach the police report, but the bank already has this as well as my license
Frequently Asked Questions
What is Complaint #5245459 about?
Complaint #5245459 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2022-02-21T12:00:00-05:00.
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.