Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #6636012
Complaint Overview
Complaint ID: 6636012
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-Issue: Card company isn't resolving a dispute about a purchase or transfer
State: California
ZIP Code: 95624
Date Received: 2023-03-01T12:00:00-05:00
Date Sent to Company: 2023-03-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing to file a complaint against Bank of America regarding my XXXX debit card account and my claim for fraudulent charges totaling approximately {$4000.00} due to becoming a victim of identity theft. Please reference my previous complaint # XXXX. I provided Bank of America with all the necessary information, including a police report detailing the fraudulent activity. However, after almost a month and without receiving any provisional credit, Bank of America denied my fraud claim without even looking at the police report. It is important to note that my claim was due to identity theft, and that on XX/XX/2023, I faxed Bank of America the police report. I was not aware that it had not been received until yesterday, XX/XX/2023, the day before my claim was denied. As soon as I found this out, I faxed it again and included my confirmation that said it was delivered on XX/XX/2023. Additionally, I would like to bring to your attention that I did not receive provisional credit, nor did I receive a written notice as per Regulation XXXX, which requires banks to provide customers with a notice of the results of their investigation within 10 business days. I find it unacceptable that Bank of America has failed to comply with the requirements of Regulation XXXX, and that I have not received the protection I am entitled to as a consumer. I am requesting that the CFPB investigate this matter and ensure that Bank of America complies with its obligations under Regulation XXXX and other applicable laws and regulations. Having my identity stolen has left me and my children homeless and counting on the return of these funds. Only a handful of the many Bank of America employees showed any compassion or empathy for my situation and I find that disheartening. Many thanks to those few employees who did try to help me and give me some hope. I requested that Bank of amercia reconsiser my claim. I would like a prompt resolution to this matter and my funds returned to me before i am forced to file a complaint in court. Thank you for your prompt attention to this matter.
Frequently Asked Questions
What is Complaint #6636012 about?
Complaint #6636012 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2023-03-01T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was not 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.