Consumer complaint received 01-03-2018 about Credit card or prepaid card (Government benefit card) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint: Here is my cut & past letter to B of A dated XX/XX/XXXX : XX/XX/XXXX Bank of America Attn : Supervisor XXXX XXXX. XXXX XXXX XXXX, AZ XXXX RE : XXXX XXXX Claim No. : XXXX Account Ending : XXXX Claim No. : XXXX Account Ending : XXXX Hello XXXX : Today, I received two ( 2 ) letters in the same envelope from Bank of America ( BOA ) both dated XX/XX/XXXX. The two letters referenced different claim & account numbers ; both claim & account numbers on the two letters are listed above. 

The first letter under claim # XXXX with account ending # XXXX indicate the amount involved with the claim is {$490.00}. The second letter under claim # XXXX with account ending # XXXX indicates the amount involved with that claim is {$700.00}. 

The second letter indicates ( in bold ) that your office completed our review of the above referenced claim and have determined that no error has occurred in this instance. We now consider your claim resolved. This second letter goes on to state, What you need to know ( in bold ) with a statement that, The transaction activity in question was authorized and posted correctly to your account. 

I am totally flabbergasted as your conclusion that the transaction was authorized and correctly posted to my account. Your conclusion is completely absurd for the following reasons : FIRST, my BOA EDD Debit card was never out of my possession. 

SECOND, I was never in XXXX store XXXX or XXXX store XXXX, so the transactions in these stores with my card ARE fraudulent. 




XXXX XXXX Claim Numbers : XXXX and XXXX XXXX/XXXX/XXXX Page 2 of 2 pages THIRD, XXXX has video cameras at all their cash registers, so you can easily go to the video for the date and times of the transactions to see who actually swiped the card. Did you view the video tape from these two XXXX stores? This evidence will conclusively prove that ( i ) I was never in either of these stores and ( ii ) that I was not the person who swiped the card on the dates and times of these transactions. 

FOURTH, according to my telephone call with XXXX & XXXX in your office on XX/XX/XXXX, I was told that the transactions in XXXX XXXX & XXXX occurred via the card being swiped. Clearly, if I was always in possession of my Debit card and I did not enter either of these XXXX stores, the transactions at these stores is fraudulent. If you request the video tape from these XXXX stores you will be able to see who actually made the fraudulent transactions on my card. 

FIFTH, if the Debit card was swiped and I was always in possession of my Debit card, then someone was able to counterfeit my card because I was never in these two XXXX stores ( XXXX or XXXX ). 

Please provide me with an email address for your department at BOA as I am trying to complete a fraud application with the Federal Trade Commission. The form for the FTC requires that I provide them with your company email address. 

I prepared a report for the XXXX Police Department on XX/XX/XXXX. The Report # XXXX. The detective assigned to this matter is XXXX XXXX ( XXXX ) XXXX. I left a voice mail message for XXXX. XXXX on XX/XX/XXXX at XXXX XXXX. Thus far, he has not returned my call. 

Finally, I note you and I spoke on XXXX/XXXX/XXXX and the date on the 2 letters I received from BOA are dated XX/XX/XXXX ; I am hopeful your office will reach an accurate decision after your office conducts a competent investigation. Per our XX/XX/XXXX phone conversation, I anticipate a follow-up letter from your office because in our XX/XX/XXXX conversation, you indicated the matter was going to be re-submitted to your investigation division with the correct information that : ( i ) I was always in possession of my Debit card, ( ii ) Ive never been in either XXXX stores XXXX or XXXX, so ( iii ) I could not have been the person to have swiped the card on those dates or times of the transactions. 

Please provide me with your email address for my FTC report and keep me informed regarding the status of your investigation. 

Thank you. 


XXXX XXXX

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