Consumer complaint received 2017-10-26
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have received a Fraud charge of {$460.00} in my Bank of America credit card account on XXXX XXXX XXXX, with the transaction date on XXXX XXXX XXXX. Statement shows the merchandise is XXXX XXXX XXXX FL. Which is XXXX XXXX Florida. I live in XXXX XXXX, and i did n't travel to or plan to go to Florida. 

I called the fraud dispute center at Bank of America to file my 1st dispute. Quickly enough, they charge the money back into my favor and give me a new card. However, on XXXX XXXX, XXXX, i received a letter from the bank, says " As part of our review, we 've determined that you benefited directly from the transaction ( s ) made on this account. As a result, you 'll be responsible for the balance on the account in accordance with your Account Agreement. The adjustment ( s ) will  appear on your monthly billing statement. '' The charge bounced back in my account. 
So i called the to file a second dispute. I called and mail them with certify mail, with my other credit card bank statements from the same bank, and show them I was active the whole time in XXXX XXXX, and there are no way I will be making a transaction in Florida. I keep calling and calling, all the rep told me to wait, and then i found out they close my case, without letting me know the result, no proof provided. Each rep tells me different story, one rep said it is an online transaction, and the input match my info. Other rep said she did n't see the charge is made online. But it does n't make sense, I never received any confirmation emails from XXXX XXXX if it were made online. I just did n't have any info about this transaction, except i see the bills on the bank statement. On XXXX XXXX XXXX, I filed a 3rd dispute. On XXXX XXXX, XXXX, i called the merchandise directly and speak with the customer service, they check, and they said they have never received a payment from me under my name, from this credit card, with the exact amount during XXXX to XXXX XXXX. They said they are happy to talk to my bank about this transaction. She provided me their accounting department number, which is XXXX. This whole communication was done within an hour. I called the bank of America again, told them this information, gave them the number. The rep said since this is reopening the case, so the investigator need more time to investigate, and she has input all the useful information to the system, the investigator will call me. She also said if after 2 billing cycle from XXXX XXXX XXXX, which is 60 days, i should have hear something back. Today XXXX XXXX, still did n't hear anything back. I called to escalate the case last week, and still have n't hear anything back. My account is still charging interest fee, and late fee from my transaction that I did n't make. 

This whole thing i can do it alone by just talking to XXXX XXXX in one day, 1 hour. They can immediately provide answer. How come bank of America never communicate with the merchandise and decide I 'm benefit with this transaction? Its been 5 more month, and the bank never call, never provide proof, and keep charging me interest, keep making up stories to ask me to wait, not easy to access to talk to the investigator, ignore my proof ... and so on ... is the investigator fake? Is this a way the bank steal people 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