Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #5618442
Complaint Overview
Complaint ID: 5618442
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: 90640
Date Received: 2022-05-27T12:00:00-05:00
Date Sent to Company: 2022-05-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing this statement in regards to the fraud I experienced back in XXXX of XXXX. From that time till XXXX, someone had accessed my account without my permission or knowledge and stole {$14000.00} ; which was money I had been saving to pay for school and basic living necessities. This account was a prepaid XXXX card from California. I received a letter stating that Bank of America had reviewed my claim and had made a decision that no error had occurred and that the transaction was authorized. This is a completely false claim. Some evidence that points to fraud includes the perpetrator using a fake email account to get into my savings. The second information I was able to receive access to with help from one of the employees was that the sum of money was taken out of my account and deposited into another account with the last four digits being # XXXX. Unfortunately, I was unable to receive more information on the specifics of the perpetrators ' account but I crossed-referenced those last four-digit numbers to the numbers of the only other bank account I have. This account is with XXXX, and the last four digits of my checking account did not match the one mentioned above. On XX/XX/XXXX I sent in an appeal to the bank with attachments that included my personal statement, a copy of the police report I had made, and images of all the transactions made during the time the money was stolen from my account ( XXXX XXXX ). On XX/XX/XXXX, I received a call from Bank of America stating that they had reviewed my appeal and still stand on their initial response that no fraud had taken place and that the transaction was authorized. They had also stated they did not receive a police report but I had filed everything together and faxed it to the fax number they had provided for me. I now feel very helpless and anxious, unsure of what to do next. As a student, I do not know how I will be able to pay for school and basic living necessities, that is why I am using the resources that are made available to me by filing this complaint to the Consumer Finance Protection Bureau.
Frequently Asked Questions
What is Complaint #5618442 about?
Complaint #5618442 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 2022-05-27T12:00:00-05:00.
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.