Consumer complaint received 2023-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Fraud was committed on my account. I never use my ATM card for purchases and had all of these charges on my account. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the bank and they applied a temporary credit so they can investigate. They gave me a temporary credit then went back in my account and reversed all the credits. 

XX/XX/XXXXXXXX Temporary Credit Reversal on XX/XX/XXXX Card # XXXX Claim #... 
View/Edit Debit - {$29.00} XX/XX/XXXX Temporary Credit Reversal on XX/XX/XXXX Card # XXXX Claim #... 
View/Edit Debit - {$29.00} XX/XX/XXXXXXXX  Temporary Credit Reversal on XX/XX/XXXXXXXX  Card # XXXX Claim #... 
View/Edit Debit - {$29.00} XX/XX/XXXX Temporary Credit Reversal on XX/XX/XXXXXXXX  Card # XXXX Claim #... 
View/Edit Debit - {$31.00} XX/XX/XXXXXXXX  Temporary Credit Reversal on XX/XX/XXXXXXXX  Card # XXXX Claim #... 
View/Edit Debit - {$31.00} XX/XX/XXXX Temporary Credit Reversal on XX/XX/XXXX Card # XXXX Claim #... 
View/Edit Debit - {$31.00} XX/XX/XXXX Temporary Credit Reversal on XX/XX/XXXX Card # XXXX Claim #... 
View/Edit Debit - {$40.00} I called the Bank of America fraud department and the lady was rude like I was the criminal and said my claim was denies as the transactions were " chip on chip '' with my debit card. I had my card in my possession at the time of the fraud and cut the card up as they sent me a new one. The fraud department basically was telling me I made the transactions which was false. She said I can re-open the claim and write a letter that I did not make these transactions or I can go to the branch. On XX/XX/XXXX, I went to the branch and the office called the fraud department and handed me the phone and the agent said " I will request to apply your temporary credit since the claim is re-opened and I should see the temporary credit in my account in about 48 hours '', I checked my account on the following Monday and still no credit. I am very busy at work and a week later I called the fraud department again and asked them where my temporary credit is? They said since the claim was denied and reopened, I will not receive any credit as it will take up to 45 days to settle the claim. No further assistance from this person. I called again on XX/XX/XXXX and the person on the phone said I am not going to receive the temporary credit and demanded to speak to a manager to give me my money back. I finally got a manager and she did not help either, she said there is nothing she can do to help me as no one can speak to the people in the fraud department? This is beyond frustration and a lot of wasted time trying to get my money back. I know it's only a few hundred but still, I have been lied to, disrespected like I'm the criminal and definitely closing my account after I get my money. I should've closed my account a long time ago because I have been getting fraud at least twice per year.

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