Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #6213287
Complaint Overview
Complaint ID: 6213287
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: New York
ZIP Code: 10710
Date Received: 2022-11-16T12:00:00-05:00
Date Sent to Company: 2022-11-16T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was a victim of fraud and {$440.00} was charged fraudulently to my debit card account with Bank of America. XX/XX/XXXX - {$18.00} to XXXX XX/XX/XXXX - {$8.00} to XXXX XX/XX/XXXX - {$110.00} to XXXX XX/XX/XXXX - {$24.00} to XXXX XX/XX/XXXX - XXXX to XXXX XX/XX/XXXX - {$35.00} to XXXX XX/XX/XXXX, XXXX {$28.00} to XXXX XX/XX/XXXX - XXXX to XXXX I rarely use my debit card, I only use my credit card which is which I did not report the charges until XX/XX/XXXX when I saw that my account was almost overdrawn and became aware of these fraudulent charges on my account I called bank of America to report the fraud and opened the claim on XX/XX/XXXX. The credited my account the {$440.00} and said they would investigate the claim. I have never used doordash which anyone with access to my account and investigating these charges could easily verify. On XX/XX/XXXX, Bank of America canceled the credit and took the {$440.00} credits to my account back and they stated that I authorized these charges which was not the case. They were NOT point of sale transactions where a physical card with a pin was used. I called BOA and was told to write a letter and fax it. I wrote a letter and faxed it from a BOA branch on XX/XX/XXXX. I called to follow up on XXXX which is when I was told no letter was received and to re-fax it which I did and I was told that a reconsideration claim would be opened and to call back in XXXX business days. I called on XX/XX/XXXX and was told nothing was done and to call back XX/XX/XXXX which I did again and I was told that nothing again was resolved and they were going to expedite the claim. This is outrageous. BOA clearly states : The {$0.00} Liability Guarantee covers fraudulent transactions made by others using your Bank of America consumer credit cards and consumer and small business debit and ATM cards. To be covered, report transactions made by others promptly, and don't share personal or account information with anyone. I did exactly what they said and they still denied my claim.
Frequently Asked Questions
What is Complaint #6213287 about?
Complaint #6213287 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 2022-11-16T12:00:00-05:00.
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 (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.