Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5827960
Complaint Overview
Complaint ID: 5827960
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: 94610
Date Received: 2022-07-31T12:00:00-05:00
Date Sent to Company: 2022-07-31T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have spent more than 8 hours of my time trying to resolve this credit card fraud issue with Bank of America I am attaching my phone records which have highlighted the numerous calls I have made. On three separate occasions I made calls to the fraud department and instituted the fraud review. Each time I was assured that the charges would be refunded only to have the fraudulent charges be reinstated on my bill. The last time I spoke to someone at BofA, I escalated the matter to a supervisor ( XXXX ) on XX/XX/22. I submitted a police report to XXXX ( attached ). She explained that BofA 's computer algorithm was not designed for my situation and my fraud claim would likely be rejected. Timeline of fraud : on XX/XX/22, I got gas at XXXX on XXXX XXXX, XXXX CA. I don't know how I lost my card but the first fraudulent transaction occurred there after I got gas there. I didn't know I had lost my card until I got a suspicious transaction report via email from BofA on XX/XX/22 at XXXX ( attached ). XX/XX/22 I responded that I did not recognize the transaction and cancelled the card that night. The next morning I researched the charges and determined that {$4800.00} charges were fraudulently made XXXX. I use the BofA card for many online purchases. My review of the charges during that time excluded any of those charges and only includes the physical card fraudulent purchases that neither I, nor the other cardholder ( XXXX XXXX ), made. XXXX and I are willing to provide attestations to this fact. We are both attorneys and willing to take the steps necessary to make sure this is resolved.
Frequently Asked Questions
What is Complaint #5827960 about?
Complaint #5827960 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 2022-07-31T12:00:00-05:00.
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.