Consumer complaint received 2017-09-16
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Step 1. What is the complaint about? 
This complaint is about fraudulent charges applied to my Bank Americard Travel Rewards Visa Signature credit card # ending in XXXX in earlyXX/XX/XXXX. 

Step 2. What type of problem are you having? My credit card company contacted me immediately after several fraudulent charges were posted in rapid succession to my account on XXXX XXXX and XXXX, XXXX. The company must have suspected that the charges were fraudulent because of the rapidity of postings, which was different to my pattern of use of this credit card ( Exhibit 1, 7 pages available ), and the fact that the charges were made in stores that I do not visit, like pawn shops and meat and fish outlets ( Exhibit 2, 2 pages, available ). 

In response to my credit card companys suspicion, I confirmed that the charges to my account were not made by me and that they were fraudulent. I then received a letter dated XX/XX/XXXX from the credit card company, stating that it is giving me a temporary credit for the {$2700.00} charges listed to my account ( Exhibit 3, available ). The temporary credit should actually have excluded two charges for {$85.00} and {$79.00} that I made at XXXX, which were posted onXX/XX/XXXX and which led to the cascade of fraudulent charges ( Exhibit 2 ).
The above letter ( Exhibit 3 ) also said that if further research indicated that the transactions are valid, the temporary credit to my account would be reversed. I was confident that the credit would not be reversed, because it was the credit card company that first suspected and took action against the fraud even before I knew of it. Therefore, I did not expect the next letter from my credit card company ( Exhibit 4, available ), which I read on  XX/XX/XXXX, after I returned from a long stay abroad. That letter which was datedXX/XX/XXXX, indicated that the chip on your card was read for this transaction ( Exhibit 4 ). In addition, it stated that your PIN may have been entered or your signature obtained. Yes, the chip on my card was read and my signature was obtained for the XXXX transactions. However, the above statements falsely assume that the fraudulent amounts charged to my account after the XXXX transactions were the result of transactions with a single vendor. The fact however, is that these fraudulent charges were applied to my account in rapid succession at no less than thirteen different sales points ( Exhibit 2 ).
Step 3 What happened? After returning from abroad I phoned my credit  card company to explain what I have said before and to refute its decision. My explanation appears to have fallen on deaf ears, because on XX/XX/XXXX I received a letter from my credit card company rejecting my explanation and refusing to change its decision ( Exhibit 5, available ).
Given the above facts, I request the Consumer Financial Protection Bureau to help me recover {$2600.00} ( i.e. less than the two GameStop Charges ) from the Bank Americard Travel Rewards Visa Signature credit card company. Thank you. 

Note : Exhibits are attached

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