Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5660617
Complaint Overview
Complaint ID: 5660617
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: Missouri
ZIP Code: 656XX
Date Received: 2022-06-12T12:00:00-05:00
Date Sent to Company: 2022-06-12T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
On XX/XX/2022 a charge was placed on my account labeled XXXX payment refund Reference Number XXXX. I discovered this on XX/XX/2022 and filed a Fraud Claim online that day. I then connected online with an associate for an explanation of what this charge was. I had never seen XXXX payment refund on a prior statement and did not know what it was. I was told my account had been hacked and that I would receive a new a credit card in the mail. I received a new credit card and the new card account balance contained the disputed charge. I received a letter in the mail dated XX/XX/2022 stating my claim had been resolved and that I would see the credit on my next monthly statement. On the next statement there was no credit. I called an associate and was informed I would see the credit on my account within XXXX XXXX. This did not happen so I again called an associate and was told I would receive a credit in XXXX XXXX. This did not happen. On XX/XX/XXXX, XXXX I discovered online that my claim had been closed. I still had not received a credit for the fraudulent charge. Again I called an associate and was told that the fraudulent XXXX payment refund charge should not have been filed as a fraud claim. The associate informed me that he would submit it as a costumer service inquiry and that I would receive a letter from Bank of America within XXXX XXXX. I never received a letter so I again called an associate and was told the issue would be resolved within XXXX business days. XXXX XXXX XXXX passed and then on XX/XX/2022 a new claim was submitted. On XX/XX/2022 I received an email that the claim had been resolved and was sent an attachment containing the letter sent to me on XXXX XXXX The fraudulent charge has still not been removed from my account.
Frequently Asked Questions
What is Complaint #5660617 about?
Complaint #5660617 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 2022-06-12T12:00:00-05:00.
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.