Consumer complaint received 2015-11-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
SUMMARY : FIA Card Services, a division of Bank of America, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX continues to ignore correspondence re : credit card fraud, send bills and charge interest because of fraudulent charges that took place on my original credit card [ ending in XXXX ] with FIA, which is owned by Bank of America. 
FACTS : Initial fraud charges occurred XXXX XXXX, 2015 at a XXXX Store in XXXX XXXX, XXXX which I do not patronize, for over {$310.00}, more than I have ever spent at any XXXX store. After discovering the fraud charges, on or about XXXX XXXX, 2015, well within the 60 days allowed to report to the company, many phone calls and correspondence have been transpired between myself and FIA Card Services Customer Service for more than six months. 
ACTION TAKEN : A police report has also been made for the credit card fraud to the XXXX XXXX Police Dept., as this is XXXX XXXX where I reside and where the fraud originated. Correspondence to FIA, along with copies of the statements which show the fraud charges, includes the following information : " Please note that all of the charges marked in black 'Sharpie ' ink with a star [ *, or & gt ; ] next to them are fraudulent charges on the statement, including ANY AND ALL charges which took place in XXXX XXXX XXXX XXXX I have not traveled to XXXX in more than ten years! Please do not transfer these charges to a new charge card that you are issuing in my name as they are pure and outright fraud, which I can only presume started at the XXXX Store XXXX. ; as you can see from my charge history, I have never spent over {$300.00} at any grocery store, and I do not shop at the XXXX XXXX. store. Please correct and remove the fraud charges pursuant to your Fraud Protection Policy of 100 % no liability to the customer once it has been reported in a timely manner. I will not be responsible for any fees, late charges, etc. that XXXX XXXX may attempt to pass along to me, as the customer. Also, pursuant to my phone conversation with your representative, this morning, please cancel this account, and do not open another card with fraud charges attached thereto. " ONGOING : Every 2-3 months, instead of attempting to resolve this issue, FIA does the following:1 ) changes the account number on the card, 2 ) transfers the balance, 3 ) charges a late fee and interest, which continues to accrue. Instead of trying to resolve the issue with me as the consumer, FIA ignores it and sends a dunning letter telling me there is a balance due. Every month FIA continue to send a bill to me, as recently as XXXX, 2015 to include interest which accrues on the balance ; I refuse to pay until FIA reconciles ALL of the fraudulent charges against the amount that has been paid to the company for my legitimate charges. 
When calling the company 's customer service numbers [ below ], I am placed on hold for more than an hour at a time. 
As of XXXX/XXXX/15, I filed a complaint with the XXXX ; that office referred me to the Dept. of Consumer Financial Protection Bureau, which I am utilizing to file a consumer complaint against FIA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief