Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I am asking for help with one of my Bank of America credit cards. The card in question was originally card # XXXX  and after it was cancelled and reissued it is now card xxxx I noticed XXXX  fraudulent charges to my credit card beginning on XX/XX/XXXX and ending on XX/XX/XXXX. On XX/XX/XXXX I contacted the fraud department at Bank of America to explain about the fraudulent charges. On that day I spoke to XXXX in your office. She cancelled the card and reissued a new card. Also, case # XXXX was assigned. On XX/XX/XXXX a letter was sent to me from Bank of America stating that Were unable to approve your recent Fraud claim. Based on your account history this charge is consistent with this merchant. This is a false summary of my account history with this card. I have been a card holder with Bank of America since XXXX. This card is used by me for purchasing permits and to pay for recycling in my business. In researching my past purchases charges at XXXX have appeared on this card. Most charges are less than {$20.00} and no more than {$500.00}. The charges we are disputing are charges of {$5800.00}, {$4400.00}, {$4800.00}, {$3900.00}, {$4800.00}, {$3900.00}, {$4900.00}, {$3900.00}, {$4100.00}, {$6600.00}, {$7100.00}, {$4400.00} at XXXX stores in XXXX, XXXX and XXXX Counties in Florida. A charge to XXXX XXXX XXXX in XXXX Fl was made on XX/XX/XXXX for {$2200.00} Not at all consistent with my history of XXXX  years with Bank of America. This card has had charges in excess of $ XXXX in the past year. A bill that I pay in full every month and have since I started doing business with Bank of America in XXXX. I contacted the fraud department again on XX/XX/XXXX and spoke with XXXX then XXXX. They resubmitted our claim. I spoke again to XXXX on XX/XX/XXXX. Then XXXX on XX/XX/XXXX. My last contact was with XXXX on XX/XX/XXXX. On XX/XX/XXXX I filed a report with the XXXX XXXX Sheriffs office to report the fraud on my card. I presented the evidence that I had obtained on my own from different XXXX stores. All Receipts showing two signatures that are not known to me. A delivery address where goods purchased were delivered. A phone number and email address provide by XXXX showing the signature x on the receipt who is the owner of " XX '' XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ) of the XXXX XXXX Sheriffs Office informed me that their office has obtained video footage at several XXXX stores and the XXXX XXXX XXXX store. All this information was conveyed to the Fraud Department at Bank of America. On XX/XX/XXXX I received another letter from BOA stating that unfortunately our decision to decline fraud claim for this transaction ( s ) hasnt changed. " While you personally didn't make the charges, we confirmed it was made by an authorized user on the account or someone who has permission to use the card ''. Nothing could be further from the truth. The signed receipts I obtained from XXXX has a signature of a person or persons I do not know or have no relationship with personally or professionally. I have been forced to retain legal counsel which I expect Bank of America to reimburse me for after the fraud department determines finally that these charges are fraudulent. I am including all documents I have obtain doing my own research in to this matter. I ask Bank of America for a speedy resolution and to have these fraudulent charges removed from my account. I would like to continue my XXXX  years of business with Bank of America. Please do your due diligence and the right thing. Thank you in advance for your help with resolving this matter.

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