Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #5936533
Complaint Overview
Complaint ID: 5936533
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Connecticut
ZIP Code: 06095
Date Received: 2022-08-31T12:00:00-05:00
Date Sent to Company: 2022-08-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX, XXXX Filed with Bank of America XXXX XXXX XXXX Denied XX/XX/XXXX Account charged {$160.00} On XX/XX/XXXX, my debit card number was compromised. As I was about to enter a store, I received an alert on my phone that a charge was denied because the zip code was incorrect. I immediately checked my account and noticed that there were other charges that I did not make that morning. I immediately called Bank of America and told them what was happening. As I was on the phone with the representative, we saw additional charges coming through. She was able to stop them at the time it happened. She reversed the other charges and opened a claim. In the next few days, a box was delivered to my home. I didn't order any of these items. I would get periodic messages from Bank of America saying that there was an update to my claims, and to view in the message center. There are no detailed messages in the message center, which is difficult to locate and access. I was checking my account today, XX/XX/XXXX, and noticed that my account was debited for {$160.00} and there was a claim attached to the debit. I clicked on the note and saw that the credit was reversed. The message center said that the claim was denied with no additional details. I call in and they said that the merchant was able to provide my name and address from my account and that the vitamins were delivered to me. They were, but I did not order them, nor have I opened the box or used them. Bank of America asked me if I contacted the merchant ( XXXX ). I said, for what? I didn't order the vitamins and I have no dealings with this merchant. It's very obvious that someone was using my debit card and trying to make sure that they had the correct information to continue making purchases. They proceeded to ask me if someone in my house could have purchased it. No one in my home ordered the vitamins or knows anything about the company. The follow-up was for me to FAX a letter explaining what? The same information that I already gave them. I'm filing a complaint because the fraud was obvious and my account is either protected from fraud or it's not. If it's not, then they need to say this and they would need to implement additional safeguards to protect their clients
Frequently Asked Questions
What is Complaint #5936533 about?
Complaint #5936533 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2022-08-31T12:00:00-05:00.
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 (Checking or savings account) 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.