Credit card -- Problem with a purchase shown on your statement -- Complaint #8051918
Complaint Overview
Complaint ID: 8051918
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: Florida
ZIP Code: 33428
Date Received: 2023-12-23T12:00:00-05:00
Date Sent to Company: 2023-12-23T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a notice ( XX/XX/2023 ) from Bank of America that my credit card was expiring and that I should be expecting a new card in the mail soon. Please note that I have not used this card for over a year since my XXXX credit card has better rewards. A couple of weeks went by and I still did not receive the card. So I went to check my account online and I see numerous charges on the card that I clearly did not make. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL {$260.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL {$250.00} XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX FL {$260.00} XX/XX/2XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL {$270.00} These are the only charges to the Bank of America credit card in over a year ( I have not touched this credit card at all ) and the transaction were made all across the state of Florida. I live in XXXX XXXX and have not been to anywhere close to these other cities. I did not receive any suspicious activity alert or notice from Bank of America. I suspect the new replacement card was stolen when it was being mailed to me. I immediately called Bank of America to explain my situation and file a claim and dispute all these transactions. A week later, I received a notice saying my claim was denied. I called their Fraud Claim department again, and asked why it was denied and had to explain my situation again. They said they made a mistake and did not note that the card was stolen and said that they were going to re-open the claim for further research. Across the months of XXXX through XXXX, I had called them approximately 12 times regarding this claim, explained my situation again and again and to have it reopened. Every time I call, I keep getting re-assured by their Fraud Department that they clearly understand my situation and will make sure to relay it to the claim reviewers. I just received another notice saying the claim was denied once again, because the transaction was chip use. They completely ignored the fact that it was stolen. I received a billed statement ( $ XXXX ) for all these charges and the due date is coming up. I do not want my credit history to by impacted by any late fees for these ridiculous charges. I am extremely frustrated and am trying every approach to get this resolved as soon as possible. I am at my wits end and desperately in need of assistance. Please help. Thank you.
Frequently Asked Questions
What is Complaint #8051918 about?
Complaint #8051918 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 2023-12-23T12:00:00-05:00.
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.