Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #6852451
Complaint Overview
Complaint ID: 6852451
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: Tennessee
ZIP Code: 37211
Date Received: 2023-04-17T12:00:00-05:00
Date Sent to Company: 2023-04-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XXXX XX/XX/2023 an unauthorized charge was made to my Bank of America checking account thru XXXX by a merchant I do not recognize and have never done any business with in the past. The amount charged was {$290.00}. On XXXX XX/XX/2023 I contacted Bank of Americas fraud department to make the complaint of unauthorized use of my card and they promptly gave me a temporary credit of {$290.00} on XXXX XX/XX/2023. However on XXXX XX/XX/2023, Bank of America reversed the charge and debited my account for {$290.00}, claiming that they came to the conclusion that the initial charge made by the merchant in the amount of {$290.00} on XXXX XX/XX/2023 was legitimate. They have provided absolutely no proof in any shape, way, or form that the charge was legitimate, and I have absolutely no recollection of ever doing any form of business with the merchant in question. I have been banking with Bank of America for two decades and this sort of treatment is totally unacceptable. I want to reiterate that this was a fraudulent charge and I did not authorize the payment of {$290.00} on XXXX XX/XX/2023. I also do not recognize the merchant. Im formally making this complaint today to demand that Bank of America fixes this mistake and returns me my money. I feel that I am being abused by both the unauthorized merchant and Bank of America and this is totally unacceptable.
Frequently Asked Questions
What is Complaint #6852451 about?
Complaint #6852451 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 2023-04-17T12:00:00-05:00.
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 (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.