Consumer complaint received 2018-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
Im writing to complain about Bank of America credit card company. I am a card holder with Bank of America specifically XXXX XXXX Mastercard. On XX/XX/2018 and XX/XX/2018 had unauthorized charges totally over 8k. My XXXX  child snuck my credit card and wrote down the information on a piece of paper and began to charge over 30 times to a fraudulant company with out my authorization. At one point the credit card transaction exceeded beyond the credit limit by about 2k. Yet Bank of America continued to let these charges go through with out putting a fraud alert and stop to further use of access. On XX/XX/2018 when i noticed the unauthorized charges I immediately contacted the Bank of America fraud department while the the charges were still pending. I explained that I did not authorize these charges and the situation. Some but not all the unauthorized transactions were disputed and was given a credit of {$6600.00}. I called back the next day to inform them they did not include all the charges. They said they would and it never happened. I get a phone call from a fraud representative on XX/XX/2018 stating that my fraud investigation would be closed and all the credits applied would be reinstated. I asked why the representive told me because it was someone I knew and my own child that it was not fraud. I explained that i read my terms and condtions of my credit card and have a {$0.00} dollar liability towards any unauthorized transactions. The representative then hung up on me. I called back to speak with another representive about the situation and explained I thoroughly reads my terms and conditions of my credit contract and that my {$0.00} dollar unauthorized transaction does not exclude anyone including minor children or whom i know. I did not give authorazition for any of the transactions and that Bank of America was violating my terms and conditions of our credit card agreement. The federal trade commission anda states I am not liable for any unauthorized transactions and it does not exclude anyone. I reported the activity in a timely matter. I also explained that as a card holder i have very limited history of spending period and that based on the excessive charges and amounts to the same merchant and within a very small window time frame to include going over the limit which I never have, they should have protected my account security and done something to prevent this to where it wasnt exacerbated to this extent. As of XX/XX/2018 my fraud claim is closed. I have been charged back the unauthorized charges and Bank of America has not written me a letter of explanation. Although it says in the message center to see attached letter there is none. My account has always been in good standing and being over the limit on my credit card negatively affects my credit score and rating. Once again i did not authorize the charges.

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 explanation