Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5521369
Complaint Overview
Complaint ID: 5521369
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: 95008
Date Received: 2022-04-30T12:00:00-05:00
Date Sent to Company: 2022-04-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021, my credit card was charged {$1100.00} for multiple unauthorized transactions. On XX/XX/2021, I received BOA phone call and alert telling me my " unusual credit card activity detected ''. I confirmed with the representative over the phone that those transactions were not made by me. BOA XXXX my card and issued a new one to me. On XX/XX/2021, I received the money back from BOA as total of {$1100.00} including one transaction that is not fraud which accounts for {$27.00}. On XX/XX/2021, I received the claim from BOA regarding their actions to the fraud activity. On XX/XX/2021, {$1100.00} was charged again by BOA which supposed to be only charge the {$27.00} one as it is not fraud. On XX/XX/2021, I received the email notification from BOA regarding their decision saying " while you personally didn't make the charge ( s ), we confirmed it was made by an authorized user on the account or someone who has permission to use the card. '' In the following days, I called BOA to submit my claim to BOA. On XX/XX/2021, I received BOA 's notification that my claim was denied.
Frequently Asked Questions
What is Complaint #5521369 about?
Complaint #5521369 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 2022-04-30T12:00:00-05:00.
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.