Consumer complaint received 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Bank of America continues to be very deceitful and participate in unfair practices. This is regarding my old account number XXXX XXXX XXXX XXXX. The address indicated on my account of XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, is NOT even my address but it is my mailing address. I don't even live at this address. The address I live at is XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, AZ XXXX. On XX/XX/19 I filed a fraud claim due to transactions I did not authorize. A charge from XXXX XXXX {$14.00}, XXXX XXXX XXXX XXXX {$10.00}, XXXX XXXX {$18.00}, and all charges from XXXX XXXX XXXX totaling about {$16.00} ( I believe that is all the charges from this merchant ), which were made in the state of Washington. I communicated I did NOT make these charges nor authorized anyone to do so on my behalf. The charges from XXXX XXXX XXXX comes out of XXXX, WA zip XXXX and I live in AZ which is IMPOSSIBLE for me to have done. They said they investigated and denied my claim stating that I benefited from the charges, but they CAN NOT show me proof that I benefitted. They refuse to provide me with any copies of any signed sales receipts with my signature on it indicating I signed and authorized the transactions. They refused to indicate in my account at my request that I was going to engage regulators into this investigation. They told me it was my job to prove that I did not benefit from the services or goods. I can not be on 2 places at once. I continued to explain to them that I did not make these charges and they refused to credit me my money back even though they can not prove I made the charges. They continue to lie to me and accuse me of making these fraud transactions. Nowhere in my transactional history do I have a pattern of using XXXX or XXXX XXXX XXXX. I have told them to review my history and they can see that. I may have used XXXX XXXX XXXX XXXX maybe one time way back in the past before but I do NOT have a continued or regular pattern of using this merchant at all. I know for a fact that the charge made on XX/XX/19 at XXXX XXXX XXXX  XXXX was NOT mine. All charges that I have indicated to them are fraud they refuse to refund me my money and avoiding taking a loss on practices they should be keeping up on. I do shop at nor have a history of shopping with XXXX. The stated my address was on the docs, but as I mentioned above this is solely my mailing address and NOT my place of residence, which I don't even live that that address. I attempted to resolve this matter with a representative by the name of XXXX who advised me my fraud claim was denied and accused me of being the person making the charges. He also is the one who told me it was my responsibility to prove that I did not make the charges, yet BofA has FAILED to prove that I made the charges or benefits from the services or goods purchased. It is there responsibility to prove that I made the transactions. I then requested to speak to a supervisor and I spoke to XXXX who also refused to document my account accordingly and did nothing to help resolve the matter. They are still not honoring my fraud claim and refuse to credit my money back. They are a lying and deceitful bank who are only in business to take peoples money.

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