Consumer complaint received 2021-12-29
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: Card was charged for something you did not purchase with the card

Complaint:
I was informed by the Bankamericard Fraud Unit by text that there were questionable charges on my card on or about XX/XX/XXXX, When the four charges were specified from a vendor I did not know or do business with I disputed the charges. One of the four charges was already on hold for approximately {$600.00} and that charge was never placed on my account and is not part of this complaint though it is important to know that Bankamericard apparently found that this charge was not purchased or an issue. 

The three charges that were placed on my card for an entity shown as XXXX XXXX XXXX purchased with a XXXX device. They were for {$320.00}, XXXX and {$310.00} for a total of {$920.00}. 

When the charges appeared on my XXXX Bankamericard statement I saw that the fraud dispute had been entered and hoped that would resolve the matter. However, when I received my XXXX statement I saw that the charges I had disputed had been placed back on my card. There was no explanation of this change. 

I spoke with a number of people within the Fraud unit and the billing dispute unit at Bankamericard after receiving the XXXX statement and after a great deal of communication I was told that it was not clear to them why the fraud dispute had been resolved against me and no one could tell me any of the details about the items that we're charged, why Bankamericard had accepted the word of the merchant that they had proof of my approval of the orders and that the claim that whatever the products were had been shipped to me. Eventually, I spoke to a Supervisor and was assured that the fraud dispute had been reinstituted I received a letter on XX/XX/XXXX stating that the my dispute had been closed and that the merchant had provided proof of the validity of the charge and shipping to me. Again there was no detail on what that proof was. I again went through a number of people in the fraud unit and finally spoke to a Supervisor by the name of XXXX in Texas who reinstated the fraud dispute and advised me to write to Claims Resolution Unit in XXXX which I did on XX/XX/XXXX.. I have not yet heard from them directly but on XX/XX/XXXX a letter was sent to me from Bankamericard with no return address which stated that the merchant had provided documentation of the charge and that they were closing my dispute of the charge. Again, I received no information about the charge and the proof other than this letter. 

An internet search of the XXXX web site and other sources quickly turned up a large number of complaints about this type of fraud by this merchant going back to XXXX and as recently as this past month. It also showed that while the charges were entered under the name of XXXX XXXX the actual company that placed the charges appears to be " XXXX XXXX XXXX XXXX ''. The address off that entity seems to be occupied by a large number of companies that do not seem to have any relationship with one another other than the address. 

I am disappointed in Bankamericard 's fraud resolution of this fraud claim and I have no intention of paying these fraudulent claims. Since Bankamericard Fraud Resolution Unit has no return address I am unable to let them know that.

I am enclosing supporting details of the charges and my dispute of them. You may publish my description of this problem but please do not publish any of the supporting documentation which includes private information about me and this account. 

Thank you for your helping this matter and I look forward to your investigation and results.

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