Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #6889967
Complaint Overview
Complaint ID: 6889967
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: Delaware
ZIP Code: 199XX
Date Received: 2023-04-25T12:00:00-05:00
Date Sent to Company: 2023-04-25T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
BOA contacted me on XX/XX/XXXX with a fraud alert which let me know my identity and credit card accounts had been compromised. I immediately responded, cancelled the card, filed a police report and froze my credit. Then later that month the thief opened a BOA checking account in my name and on XX/XX/XXXX took a {$2100.00} cash advance from my BOA credit card and had that advance deposited into a new fraudulent BOA checking account that was opened in my name without my permission online WITHOUT an ID. I didn't know any of this had happened until I received a BOA Debit card in the mail on XX/XX/XXXX. I immediately drove to a BOA bank to close the fraudulent checking account and finally on XX/XX/XXXX the {$2100.00} was transferred from the fraudulent checking account back to the BOA credit card. Yesterday, over 4 months later I received a BOA credit card statement showing I still owe the {$2100.00} cash advance and now they are charging me interest on the advance that I never made. I have been through several rounds of disputes and am unable to get anyone at BOA to review the clear documentation and fix the errors that BOA has made and are still trying to charge me for. BOA treats victims like criminals. After being a loyal customer for 25 years, they have done nothing to protect my personal information, they have caused my credit scores to drop and they are fraudulently reporting the current balance that includes charges I never made to the credit bureaus while the disputes are still in review 4 months later.
Frequently Asked Questions
What is Complaint #6889967 about?
Complaint #6889967 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 2023-04-25T12:00:00-05:00.
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.