Credit card -- Problem with a purchase shown on your statement -- Complaint #7724334
Complaint Overview
Complaint ID: 7724334
Company: Bank Of America, National Association
Product: Credit 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: California
ZIP Code: 91505
Date Received: 2023-10-18T12:00:00-05:00
Date Sent to Company: 2023-10-18T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A cellphone was fraudulently purchased with my Bank of America XXXX XXXX for {$940.00} from XXXX XXXX on Sat XX/XX/XXXX in the afternoon. It was picked up the following morning ( Sun ) around XXXX in XXXX XXXX CA XXXX ( I have email receipts from XXXX XXXX for all of this, since my email was tied to my CC number ) The phone was then taken to the XXXX, CA XXXX XXXX and exchanged for a laptop. The exchange happened on Sun evening around XXXX. I have the serial number of the fraudulently purchased laptop as well ( XXXX ) I noticed the activity later that week and called Bank of America. They did issue temporary funding back to my account but on XX/XX/XXXX, they closed the claim and recharged me the {$940.00}, citing a response from XXXX XXXX that the merchandise was shipped to me. They said I could see this letter at a Bank of America location, but the woman at the actual bank had no idea how to do this. The claim of shipment is an outright lie on XXXX XXXX part, nothing was shipped and I have the email chain to prove someone purchased online, picked up at XXXX and then exchanged in XXXX. I also called XXXX XXXX after I initially contacted Bank of America on XX/XX/19, they were not helpful at all and didn't even want the stolen laptop serial number. I reported this incident to the XXXX Police as well ( I am a XXXX resident, and the initial fraud took place in XXXX ). The incident number is XXXX, I spoke with XXXX XXXX. BofA also has all of the email, they were faxed to them on XX/XX/XXXX ( after they sided with XXXX XXXX )
Frequently Asked Questions
What is Complaint #7724334 about?
Complaint #7724334 was filed against Bank Of America, National Association regarding Credit card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-10-18T12:00:00-05:00.
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) 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.