Consumer complaint received 2018-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Sir, I am enclosing a letter/email detailing information regarding credit card fraud with Bank of America. The BOA machine is too large and abundant in monetary resources for me to resolve this troubling issue successfully on my own. I humbly implore your assistance in determining if BOA is intentional being negligent, malicious, or incompetent. Any help or advice will be greatly appreciated. 



-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To : Bank of America CEO From : XXXX Subject : BOA Credit Card Fraud - account # ending in XXXX On XX/XX/XXXX BOA alerted me via text message of potential fraud on my credit card. I immediately replied to BOA confirming the fraud transactions. When I arrived home I logged in to my BOA account and observed several charges that I did not recognize. Several were showing declined but a few had apparently approved. Initially, I thought all charges showing as pending or declined that day ( XX/XX/XXXX ) were not mine, with exception to two known charges I made on XX/XX/XXXX, one in the amount XXXX at XXXX XXXX where me and my colleague had breakfast and the second XXXX at XXXX XXXX XXXX XXXX XXXX. My day was spent with XXXX XXXX XXXX, Deputy Branch Chief of the Systems Test Branch in The Crew and Thermal Systems Division, XXXX XXXX at XXXX XXXX XXXX. XXXX XXXX cell number is XXXX and his XXXX office number is XXXX. 
I have filled a police report today ( XX/XX/XXXX with the XXXX XXXX XXXX XXXX against the person ( s ) or entity that has unlawfully stolen and used my credit card due to the incompetence of BOA to identify this as fraud. The officers name is XXXX XXXX. Police Report number XXXX. I gave the officer the print outs of the information for the charges from my BOA account. I told the officer the reason the report is being submitted at this point in time is because BOA has failed to identify the fraud due to their incompetence and that they have rejected my claim twice even though I have informed them I have material evidence these were in fact fraud. 
Since I have been taxed with the research necessary to resolve the issue due to the gross incompetence of the BOA fraud department, I started to lean more about the BOA account information presented on my user account. I discovered after closer inspection of the data that one charge for XXXX at an XXXX XXXX had a transaction date of XX/XX/XXXX. A second charge for XXXX at a XXXX XXXX XXXX # XXXX had a transaction date of XX/XX/XXXX. A third charge for XXXX at a XXXX XXXX # XXXX with a transaction date of XX/XX/XXXX. Initially, on XX/XX/XXXX, I thought all these charges were made on XX/XX/XXXX and therefore could not be from me. 
With absolute certainty I can confirm and prove in a court of law that the only charges I made on XX/XX/XXXX are the two I disclosed above. I do not own anything collectively that can hold XXXX dollars in fuel. I shop at the XXXX store in XXXX and not for fuel. It is a very rare occasion that I purchase fuel from a XXXX and there is only 1 that I would have used. I can not confirm the XXXX charge is valid or fraud at this point. I need a date and time stamp for the City XXXX charge. My time at work is well documented by my employer. I need the exact addresses and time stamp for the XXXX and XXXX transactions so I can provide the information supporting fraud or validate as my charge. If the XXXX XXXX charge is for fuel or not the XXXX on XXXX  XXXX in XXXX, Texas then it is a fraudulent charge. 
I also went to a local BOA branch who was unable to obtain any meaning information regarding the reason the fraud dispute was denied. The claim has been denied twice and is currently opened for the third time. I will file a second police report against BOA so the authorities can initiate an investigation of potential fraud within the BOA fraud department. At this point I suspect some part of BOA is an integral part of the fraudulent activity or is engaging in an adverse business practices to unnecessary burden customers and intentional avoid their policy to be responsible for fraudulent CC charges. I will endeavor to provide this information regarding incompetence or intentional malicious intent to the BOA CEO, board members, state government, federal governments, and media. My next course of action is to initiate a lawsuit I request the direct physical proof I was physically present making the charges that have been disputed. 
PLEASE NOTE- In the presence of the BOA bank manger and representative on XX/XX/XXXX at my request the BOA representative cut the chip from the BOA credit card ending in XXXX. Once this mishandled claim and/or lawsuit is concluded, my account will be closed and I will never be doing future business with BOA or any of your close affiliates. As of XX/XX/XXXX, I will not use this card. Any charges appearing after this date will be fraudulent. 
I can not begin to express the magnitude of my dissatisfaction.

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