Consumer complaint received 2020-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
On XX/XX/XXXX, I received a text message from Bank of America alerting me of a suspicious fraud transaction from the store XXXX. I called the Bank and there I discovered that there was actually 15 fraudulent transactions made to the store XXXX  starting from XX/XX/XXXX until XX/XX/XXXX. I also discovered that XXXX XXXX XXXX  XXXX  transactions were being made once a month. I told Bank of America that those XXXX transactions are fraudulent, I never purchase or gave authorization nor participate in those transactions. The details of these 15 fraudulent transactions are as follow : 1. ) XX/XX/XXXX Transaction Amount- {$190.00} 2. ) XX/XX/XXXX Transaction Amount- {$190.00} 3. ) XX/XX/XXXX Transaction AmountXXXX {$44.00} 4. ) XX/XX/XXXX Transaction Amount- {$58.00} 5. ) XX/XX/XXXX Transaction Amount- {$30.00} 6. ) XX/XX/XXXX Transaction Amount- {$52.00} 7. ) XX/XX/XXXX Transaction Amount- {$200.00} 8. ) XX/XX/XXXX Transaction Amount- {$190.00} XXXX. ) XX/XX/XXXX Transaction Amount- {$110.00} 10. ) XX/XX/XXXX Transaction Amount- {$81.00} 11. ) XX/XX/XXXX Transaction Amount- {$150.00} 12. ) XX/XX/XXXX Transaction Amount- {$190.00} 13. ) XX/XX/XXXX Transaction Amount- {$68.00} 14. ) XX/XX/XXXX Transaction Amount- {$100.00} 15. ) XX/XX/XXXX Transaction Amount- {$60.00} Now about the XXXX XXXX XXXX XXXX, the gym had no right to be charging me once a month since I canceled my membership last year in XXXX. I was shocked and on that day, XX/XX/XXXX, I canceled my Bank Of America debit card. I filed a fraud claim soon after. On XXXX XXXX, I received a letter from Bank of America stating that they've completed their research and closed this claim. I was upset and I couldn't believe it. I called the Bank telling them that indeed this was a fraudulent claim and that I did not make those purchases and that this fraud claim needed to be open. The bank said they would re-evaluate and told me to just wait, that it could take months for me to get a response. I went to the police station and I filed an Identity Theft report. I then went to the XXXX XXXX XXXX  XXXX in XXXX XXXX and showed the manager my cancellation receipt and in XX/XX/XXXX, the gym deposited all the amount that they have charged me for a year. The amount was {$510.00} I let the bank know that the gym gave me the money back to my account and that the XXXX  transactions fraud claim was still pending. I waited and waited and now I am still waiting. I have talked on the phone with many Bank Of America representatives, supervisors and I have been sent me letters and they all tell me the same thing that the claim is closed period. The claim department did not do their job and investigation accordingly. I feel frustrated about how this situation has been handled and I feel this is unfair since I feel I am being ignored and accused of being a liar.

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