Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #5992479
Complaint Overview
Complaint ID: 5992479
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: Georgia
ZIP Code: 30097
Date Received: 2022-09-17T12:00:00-05:00
Date Sent to Company: 2022-09-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Two fraudulent charges showed up on my Bank of America credit card account in late XX/XX/2022. 1 ) {$60.00} on XX/XX/2022, XXXX XXXX XXXX ) {$420.00} on XX/XX/2022, XXXX XXXX XXXX XXXX I notified Bank of America immediately. The bank issued me a new card and provided temporary credits on XX/XX/2022 and XX/XX/2022. The bank did not make any statements regarding filing a police report or contacting the vendor at that time. On XX/XX/2022, the bank put the charges back on my credit card. I called to ask why on XX/XX/2022. After being on hold for over 40 minutes, they said the fraud claim was denied. I was told that they can reopen the claim and temporary credits will be provided in two business days. But I need to contact the vendors to assist in the fraud investigation. On XX/XX/2022, no credit was given. After calling the bank again, I was told that the bank will not provide temporary credits anymore and they provided me with inaccurate information previously. I told the bank that we went to XXXX XXXX XXXX XXXX store and they can not help us much. After calling XXXX XXXX XXXX XXXX, I was told that the transaction was a store pickup and that the email on the transaction was not my personal email. However, I must file a police report regarding fraudulent charges as the vendors can only provide detailed information to law enforcement. I filed a police report and provided the police report number to the Bank of America fraud department. Even after all that, Bank of America still will not provide temporary credits to my account when the fraudulent charges are being investigated. As a matter of law, consumers should not be held accountable for fraudulent charges. The current business practices of Bank of America, in essence, are shifting the financial burden of fraudulent charges back to the consumer. This practice is immoral, if not illegal.
Frequently Asked Questions
What is Complaint #5992479 about?
Complaint #5992479 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 2022-09-17T12:00:00-05:00.
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.