Consumer complaint received 2017-02-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
I do n't know if this issue is affecting my credit, I 'm not sure how to check and I 'm scared to put personal information on the Internet. Also, I apologize because I 'm using my phone because I do n't know how to attach images using my computer, I 'm not good with technology. So I hope the spelling errors are limited. And I 'm also not good at telling stories or explaining things but I 'll do my best. My Bank of America credit card was compromised even though it was still in my possession. I 've done some reading where cards are compromised that XXXX percent are still on the owner, they were hacked. Others were from restaurants or malicious ATM machines. But I lost about {$40000.00} on an online XXXX site and from XXXX, which I do n't have. I always thought my limit was {$4500.00} or {$7500.00}, no where near {$19000.00}. I have never came close to my limit, I was always careful. Bank of America will have that as proof. Buy they never turned my card off or even alerted me or called to let me know my card was over the {$19000.00} mark. Honestly, in 12 years of being a card member they have not once called or alerted me. My corporate card from XXXX they will call and text if I get gas or groceries and make sure it 's me. I guess to go to the beginning, my dad was passing away from XXXX. We could n't work out in the shop on our project anymore cause he was to sick and weak. So he found and online game for his tablet I got for him. He had been playing for a few months. He would ask if wanted to play. My mom talked to me about because it would literally be the last thing we did together before he passed away. So I started to play. I used XXXX cards to and gave to him and for me for in game purchases. It would help me catch up to him so I 'd be on the same level so we could play together. When we played, that game had a limit on what you could spend daily and weekly. I do n't think you could spend XXXX if you wanted. I used XXXX cards mostly. I did use my card on XXXX from time to time. I started playing in XXXX 2015 and quit in XXXX 2015. I would still play the game occasionally but my dad was getting sicker and I only would play when he did. It was the last thing we did together and I 'd do it again if I had to because it was the last way I could spend time with him. After XXXX XXXX is when I quit playing that gameXXXX. I did use XXXX cards and redeem them and I did use my BOA card occasionally. But I knew my spending limit. In XXXX when I paid my bill I paid extra like I usually do and I know I had a {$1600.00} credit. So between XXXX and XXXX I knew I used maybe {$400.00} meaning I had {$1200.00} left as credit. From XXXX to XXXX I used maybe {$400.00} again meaning I had around {$800.00} leftover. I called in XXXX and nothing was out of the ordinary. When I called in XXXX, on my birthday, just to verify I still had a credit of about {$800.00} they told me I owed about {$40000.00}. The fraud dept. told that XXXX percent of the time if they go XXXX penny over my limit my card should be turned off and they did n't have an answer to why it was not turned off. Billing dispute took off all but about {$2000.00}. Then fraud took over and said I had to pay all of the balance. They said the seller had receipts. Any stolen card or compromised card used online and now in stored and restaurants will have receipts because no one checks I.D anymore. I have several phone calls explaining my situation. My history is perfect. Why out if the blue, in my late XXXX would I put XXXX on my card. BOA was rude, they laughed at me and refused to help. I talked to Lawyers and they said I should n't have to pay anything over my limit, I never authorized my limit to the XXXX in the first place. I tried to spend time with my dad before he passed away and I lose XXXX dollars that I never spent. This entire time I still thought I had an {$800.00} credit. XXXX did reimburse me {$2000.00}.

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 explanation