Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5290318
Complaint Overview
Complaint ID: 5290318
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: Card was charged for something you did not purchase with the card
State: California
ZIP Code: 90049
Date Received: 2022-03-05T12:00:00-05:00
Date Sent to Company: 2022-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XX/XX/2022, I reported numerous fraud charges on my business credit card. I was informed by Bank of America ( BofA ) representative XXXX that I was not responsible for fraud charges and my credit card would be credited. Attaching recorded conversation with permission. I was informed that the charges would not be credited because BofA indicated that their investigation revealed inconsistant details. BofA was not specific and it made no sense what that means. I recieved my statement still showing the fraud charges. On XX/XX/2022, I spoke with XXXX, in XXXX, AZ, business card fraud department, that the investigation was still ongoing and that I was not responsible for fraud charges and my credit card would be credited. In speaking with XXXX she indicated that if you had ever done business with any of the companies at anytime in your life that were reported fraudulent, even though the fraud was committed by a suspect or criminal without permission to use the credit card, you are held responsible. I informed XXXX that I had never done business with any of the companies. She stated that the fraud would be credited. This shows how incompetent and racially discriminating BofA is toward XXXX 's and XXXX senior citizens. Not able to attach recorded conversation with permission because it's to large.
Frequently Asked Questions
What is Complaint #5290318 about?
Complaint #5290318 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 2022-03-05T12:00:00-05:00.
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 (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.