Consumer complaint received 2023-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
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

Complaint:
I am a small business owner and have a business credit card with Bank of America. I rarely, if ever, use it as I moved to another bank years ago, and I have a new card at that bank. I haven't used the card in approximately two years. In the middle of XXXX, I received an email from Bank of America saying that I had a new credit card statement to review. It turns out that someone on the other side of the word was using my card. The first transaction was on XX/XX/XXXX for XXXX XXXXXXXX XXXX for {$160.00}. All of the purchases were made from XX/XX/XXXX to XX/XX/XXXX. [ I will list them all below ]. 

The current total balance as of Friday, XX/XX/XXXX is {$1200.00}. 

I reported to the bank on XX/XX/XXXX that the charges were fraud. I still had the card at the time. I took a photo of it, in case I needed it. They filed a fraud claim at that time. They also updated my card number. 

As of today, XX/XX/XXXX they are attempting to collect payment for the fraudulent payments. 

On Monday, XX/XX/XXXX, I called in to resolve this. I spent two hours on the phone going back and forth between two departments : credit card payments and fraud. Both were pointing the finger at one another. 

I was never given a tracking number to track my dispute. The experience has been awful. They continue to try to get me to pay for fraudulent payments for airline payments made on the other side of the world while a pending fraud dispute has not been resolved. 

sort byDate in chronological order sort byDescription in alphabetical order Type Expand Type of transactions sort byAmount in descending order Show additional information for activity type Fee {$13.00} XXXXXXXX XXXX XXXX Show additional information for activity type Fee {$13.00} XXXX XXXX XXXX activity type Fee {$13.00} Show additional information for activity type Purchase {$440.00} XXXX XXXX XXXX  XXXX Show additional information for activity type Purchase {$440.00} XXXX XXXX XXXX activity type Purchase {$440.00} Show additional information for activity type Purchase {$370.00} XXXX XXXX XXXX XXXX Show additional information for activity type Purchase {$370.00} XXXX XXXX XXXX activity type Purchase {$370.00} Show additional information for activity type Fee {$5.00} XXXX XXXX XXXXXXXX Show additional information for activity type Fee {$5.00} XXXX XXXX XXXX activity type Fee {$5.00} Show additional information for activity type Fee {$5.00} XXXX XXXX XXXXXXXX Show additional information for activity type Fee {$5.00} XXXX XXXX XXXX activity type Fee {$5.00} Show additional information for activity type Purchase {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Show additional information for activity type Purchase {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} Show additional information for activity type Purchase {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Show additional information for activity type Purchase {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$160.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief