Credit card or prepaid card -- Other features, terms, or problems -- Complaint #5262523
Complaint Overview
Complaint ID: 5262523
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Other problem
State: Florida
ZIP Code: 342XX
Date Received: 2022-02-25T12:00:00-05:00
Date Sent to Company: 2022-02-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I received an email notification from Bank Of America that read that unusual credit card activity was noticed on my account. By clicking on the email, I was able to flag fraudulent charges directly on the site. On XX/XX/XXXX, a replacement credit card was mailed. Upon reviewing my recent activity, I noticed that there were several additional fraudulent transactions on my account that the Bank of America software did not catch or allow me to flag online. Upon this discovery, I called Bank of America to add these additional charges to my case. On XX/XX/XXXX, Bank of America issued a credit of XXXX for the charges flagged online and on XXXX, a credit of XXXX for the charges I reported with an agent over the phone. On XX/XX/XXXX, Bank Of America sent me a letter indicating that they were unable to approve my fraud claim. Upon reading this, I called Bank of America to challenge this decision as a total 12 fraudulent charges were charges made in a town I dont live in, hundreds of miles miles away, at establishments I did not set a foot in The charges were not made by me. The agent I spoke with was unable to provide a specific reason for the denial and proceeded to re-open the case, adding notes stating that the charges incurred in a different town and that I did not receive any product or service from the merchants listed. On XX/XX/XXXX, Bank of America once again sent a letter indicating that they were unable to approve the claim due to what they deemed to be consistent with previous charges with the merchant. Merchants included XXXX XXXX, XXXX XXXX, XXXX and others. I have never set a foot or done business with these merchants and Bank Of America has failed to deliver proof justifying their decision. I appreciate your help advocating for me as Bank Of America is holding me liable for charges of {$2100.00} that I did not make.
Frequently Asked Questions
What is Complaint #5262523 about?
Complaint #5262523 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Other features, terms, or problems. It was received by the CFPB on 2022-02-25T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with monetary relief". The response was not 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.