Credit card -- Problem with a purchase shown on your statement -- Complaint #8762714
Complaint Overview
Complaint ID: 8762714
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: Texas
ZIP Code: 75098
Date Received: 2024-04-12T12:00:00-05:00
Date Sent to Company: 2024-04-12T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I'm including text from a letter I sent to Bank of America about this problem : The charge of {$7.00} from XXXX XXXX is from a fraudulent merchant posing as a legitimate business. I have canceled multiple Bank of America VISA cards because this bogus charge keeps appearing on my statements. The issue has repeated itself for several months where I notice the charge, report it as fraud, my card is canceled, I receive a new card, and the charge reappears. I want to point out several arguments that support my conclusion that this is a fraudulent merchant perpetuating a scam. 1. On the enclosed copy of the transaction from my account, I have highlighted the merchant information I believe is bogus. a. The string of text that appears at the top of the transaction is not a valid business entity or world wide web address. XXXX XXXX XXXX XXXX XXXX There is a legitimate business called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX b. The string of text that appears on the transaction after the heading Merchant Information is fictitious. iXXXX XXXX XXXX XXXX. The text that appears under the heading Merchant name is fictitious. XXXX XXXX XXXX XXXX The address that appears under the heading Merchant info is a physical location in the state of Texas XXXX but a search on XXXX XXXX reveals what appears to be a vacant office building. I have enclosed a print out of what XXXX showed in my search of that address. 2. I have enclosed a copy of an email that appears to be a phishing attempt. The sender does have my email address and the last four digits of the latest credit card I received from Bank of America. This is after I canceled my prior credit card where I reported the exact same issue. But there are several problematic concerns. a. The name that appears at the top of the page is the subject from the printed email. It says that my XXXX, XXXX subscription will renew soon. i. I do not have any subscriptions from the legitimate organization named XXXX. ii. The text is yet another configuration of a fictitious imitation of the legitimate organization. b. The string of text that appears in the From : heading on the email is bogus. i. It shows : XXXX, XXXX ( XXXX ) c. In the body of the email there is additional phony information. i. The string of text suggesting how to reach the support site is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, rings to a destination where a person answers and their language mimics what you would expect to hear from a legitimate support center, but they offered no help and only asked me for additional personal information before I became suspicious and ended the call.
Frequently Asked Questions
What is Complaint #8762714 about?
Complaint #8762714 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 2024-04-12T12:00:00-05:00.
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.