Consumer complaint received 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America claim # XXXX Complaint : Fraudulent charges totaling {$2700.00} were made on XXXX using Visa Debit card issued by Bank of America and linked to our checking account. Bank of America was promptly notified when fraudulent charges were discovered, and claim was created. Bank of America has not accepted responsibility per their stated policies and has denied the claim. 

Requested resolution : Bank of America accept responsibility for the fraudulent charges per their stated policies and credit our account {$2700.00} for the fraudulent charges. 

Facts : Fraudulent charges occurred and charges not initiated or approved by Visa Debit Card owner as confirmed by XXXX. 

Fraudulent charges reported promptly when discovered and within 60 days of receiving statement by mail that listed first fraudulent transaction, per requirement as stated in Deposit Agreements and Disclosures. https : XXXXdeposit-agreements/? XXXX Account owner is not responsible for fraudulent transactions per Visa 's XXXX XXXX XXXX. https : XXXX XXXX : XX/XX/XXXX First fraudulent charge occurred per statement posting date. 

XX/XX/XXXX Statement date. Received in mail few days later. First fraudulent charge shown on this statement. 

XX/XX/XXXX Discovered fraudulent charges and reported immediately by calling Bank of America Fraud Division. Claim was established and claim number issued. Card was immediately disabled and new card issued. 

XX/XX/XXXX Letter from Bank of America denying claim. Bank of America stated charges authorized and posted correctly. 

XXXX Called Bank of America to request review. Bank of America agreed to review again. 

XX/XX/XXXX Letter from Bank of America denying claim again. 

XX/XX/XXXX Called Bank of America requesting additional review. Bank of America said to contact XXXX for more information on fraudulent charges. 

XX/XX/XXXX Received response from XXXX stating charges were not made by our account. 

XX/XX/XXXX Faxed XXXX response to Bank of America. 

XX/XX/XXXX Called Bank of America to verify XXXX statement received. 

XX/XX/XXXX Called Bank of America for status of claim. 

XX/XX/XXXX Letter from Bank of America denying claim with no further explanation. 

XX/XX/XXXX Called Bank of America who agreed to reopen case and respond within 45 days. 

XX/XX/XXXX No response from Bank of America after 45 days. 

XX/XX/XXXX Filed complaint with Consumer Financial Protection Bureau. XXXX : XXXX Fraudulent charges : XXXX XXXX XXXX US* XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXXl WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXXl WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXXl WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX  WA XXXX XXXX Mktp US* XXXX XX/XX/XXXX PURCHASE XXXX WA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX PURCHASE XXXX WA

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