Consumer complaint received 2024-07-29
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Dear XXXX XXXX and members of the Executive Department, I am writing to address the unresolved matter concerning the unauthorized duplication and use of my card, as detailed in our initial report. Despite the identification of the illegitimate transaction at a specific location on the same day, the associated charges have not been rectified in my account. The prolonged handling of this issue, characterized by successive transfers and inadequate information from various representatives, has been disheartening. Compounded by my recent major XXXX, which renders me unable to address this matter via telephone, this situation has been particularly frustrating. 

It is imperative that the aforementioned charges be promptly credited back to my account by the close of today. Failure to resolve this issue will necessitate submitting a formal complaint to relevant government agencies due to the mishandling and prolonged negligence in managing this matter, which constitutes a violation of regulations and standards. I firmly request the Executive Department 's immediate attention to rectify this matter without further delay. 




From : Enterprise Resolution XXXX Sent : Wednesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX Subject : Response to Your Inquiry Bank of America This is a secure message from Bank of America XXXX 
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From : Enterprise Resolution XXXX Sent : Thursday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX Subject : Acknowledgement of Your Inquiry XXXX XXXX XXXX XXXX : Case Reference XXXX Thank you for contacting Regulatory Complaints of Bank of America XXXX As your Resolution Specialist I welcome the opportunity to address your concerns. 



Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are Monday-Friday XXXXXXXX XXXX to XXXX XXXX  EST. 



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