Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5905577
Complaint Overview
Complaint ID: 5905577
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: Texas
ZIP Code: 77095
Date Received: 2022-08-22T12:00:00-05:00
Date Sent to Company: 2022-08-22T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
According to bank statements on XX/XX/XXXX a XXXX XXXX XXXX XXXX started making charges on my debit card that was in my possession in XXXX XXXX XXXX a XXXX search shows the XXXX prefix at the beginning to mean the merchant is using XXXX ( a service used by a business to charge credit cards ). A search using the XXXX website shows XXXX XXXX XXXX XXXX to be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no idea who this is or what they do. I have no business with nor have I had any contact with this business. I did not give them any information and I did not authorize them to make any charges to my card. According to the bank statement at Bank of America the charges started on XX/XX/XXXX and there were 8 charges between XX/XX/XXXX and XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that I do not know and did not authorize. I have no who this is or what they do. I have no business with nor have I had any contact with this business. I did not give them any information and I did not authorize them to make any charges to my card. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEBIT CARD XXXX XXXX I noticed the charges on XX/XX/XXXX I called Bank of America and reported all unauthorized charges. I called back on XX/XX/XXXX and was told the XXXX XXXX XXXX' charge had not been reported so they opened a case for that one then. After hearing nothing I called back on XX/XX/XXXX. This is when I was told they had found the claim not in my favor. The reasons given was there was a deposit before the charges started. The deposit was from XXXX and unrelated to the unauthorized charges. There are deposits from XXXX every other Friday and have been for years. The other reason was they determined I had " an existing relationship with the merchant '' this is untrue and they based it on a charge to a completely unrelated merchant that also used square. Their " investigation '' simply amounted to, there was funds in the account and I had purchased from a different unrelated business that used the same credit card processing company. This is at best incompetent and seems to be more dishonest than incompetent.
Frequently Asked Questions
What is Complaint #5905577 about?
Complaint #5905577 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 2022-08-22T12:00:00-05:00.
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.