Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7123754
Complaint Overview
Complaint ID: 7123754
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: North Carolina
ZIP Code: 28409
Date Received: 2023-06-15T12:00:00-05:00
Date Sent to Company: 2023-06-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
My card was used fraudulently in multiple places including XXXX XXXX and various towns and cities in NC between XX/XX/2023 and XX/XX/2023 while I was in XXXX NC. Bank of America also approved charges that I had made in XXXX, NC on dates where the card/account was also being used out of the mainland USA. Clearly, one can not be in two places at one time. I have or can obtain : 1. email receipts from appointments in XXXX that occurred while the card was being used in XXXX XXXX 2. email communication with my physician as a result of a dog bite that occurred while the card was being used in XXXX XXXX 3. adoption papers for the dog I did choose during the timeframe in which the card was being used in XXXX XXXX 4. school attendance records for my children ( while the XXXX XXXX XXXX XXXX XXXX was on spring break during time frame that overlaps the card being used in XXXX XXXX, I was in XXXX and my children were in attendance at public school ). 5. XXXX calendar printouts showing when I XXXX XXXX XXXX XXXX XXXX during the spring semester and scheduled meetings that overlap the timeframe during which the card was being used in XXXX XXXX as well as while the card was being used in towns and cities surrounding XXXX XXXX NC XXXX 6. Affidavits from friends/family/colleagues/and students can be obtained indicating that we were not out of the country nor absent from our jobs and school during the time this card was used without our permission. 7. I have downloaded and attached the transaction history from our debit cards showing our location during the timeframe in question. I found the fraud when I received my electronic statement and contacted them immediately. I have attached documentation that I was local and not on vacation.
Frequently Asked Questions
What is Complaint #7123754 about?
Complaint #7123754 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 2023-06-15T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was 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.