Consumer complaint received 2017-04-29
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint:
Thank you in advance for your time and help. This is in regards to a credit card with Bank of America, XXXX, Wa. and in the past XXXX, Wa. XXXX XXXX, Bank of America where I used to live. When I opened the new Bank of America account in XXXX, Wa. ( XXXX ) they gave me a new credit and debit card. I have never in my life taken cash advances off a credit card and never made late payments. Normally I just write out a payment for my credit card, check the few things charged and mail the payment. This last payment ( XXXX ) I noticed that my balance was incredibly higher and was getting higher and higher. I happened to look to the bottom of the page of the bill this time and noticed that they were calling out " Interest for cash advances '' and at 19!!!! percent. I only charge a few things a month from my home online - Never even take my credit card nor use it in the outside world, just inside my home. After pulling out all of my records going back 10 years ( and I have more than that going back ) I see that this is in the thousands of dollars and they show right now that I have got " cash advances '' of approximately {$12000.00} dollars. I have never got " cash advances '' When I send in a payment for say {$300.00} only {$100.00} goes on to pay off the card balance, because they are charging ( with the " cash advances '' at 19 percent ) {$200.00} that the bank KEEPS. Again, I never get cash advances off of my credit card, nor did I know I was even allowed so much for " cash advances '' ... ... .I never noticed that before now because I did n't get " cash advances '' A card that I had never used or activated a number of years ago was frauded and the bank told me that they would credit my account for it as long as I called the Police ( XXXX Police Department , XXXX , Wa . which I did ... ... .I believe the date of this was XX/XX/XXXX and XX/XX/XXXX and was for more than {$1000.00} frauded off of a card I had never activated ... .In the letter the bank put account number ending in XXXX. Another was for XX/XX/XXXX for ATM fraud account # XXXX for I believe {$400.00}, Another for XX/XX/XXXX for {$150.00}. " XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX XXXX, which I have not idea means ... ..maybe frauded, Acct XXXX,. Another {$400.00}. acct XXXX Acct #, XX/XX/XXXX. I also have paperwork from the bank which I have no idea it means regarding a {$2000.00} dated XX/XX/XXXX " LST  CREDIT TRANSFER '' and I have not idea what this means or stands for ... ... appears to be for an ERROR the bank because they credit my account # XXXX and the " New Balance Total '' is " {$0.00} Again, this is for the paperwork done on XX/XX/XXXX. I also had noticed some other errors such as someone ( not me ) reported that there was a {$.00} error on interest at a nother spot. The first time I called the bank regarding ALL of this, I was passed around to 6 people over a 2-1/2 hours period of time and the first 4 at least said they do not keep records going back this far ... ... I mentioned income tax stuff beause THAT is WHY I had ALL of my records going back forever. I called again recently last week and talked to a " XXXX '' XX/XX/XXXX, his number XXXX ... ..He kept looking through whatever and said he would send me copies showing the " cash advances '' and I said there should be a record with the bank of WHOEVER made these because it was n't me - like a photograph of the person or persons ... ... He sent the banks records shortly thereafter and they are they exact Same records I have with NOTHING showing WHO did the " cash advances '' I also told him that in XXXX I had " Overdraft Protection '' and was told I would be charged {$10.00} or {$12.00} per overdraft ... ..I rarely have overdrafted my account and would NEVER had overdrafted it for {$400.00} ... ... .So it is hard to understand how I have such a huge balance with huges numbers of $ $ $ added EVERY month for " cash advances '' ... ... .I noticed that sometime I think going back to XX/XX/XXXX, interest that was charged on balance was hardly anything compared to be charged {$200.00}. a month now ... ..Any help you give me is much appreciated

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