Consumer complaint received 2025-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'The following is the letter I submitted to Bank of America on XXXX.  It explains everything:\nBank of America,\n\n  \tToday, XXXX XXXX XXXX, I received a letter stating that Were unable to approve your recent claim.  Bank of Americas reasoning: The charge was authorized by you or made by someone who has permission to use the card or account.\n  \tThis is so utterly XXXX. I have explained to your fraud investigators that I did not authorize anyone to use my card/account, and I am the only person that knows my pin.  Plus, the card has been in my possession 100% of the time.\n \t In accordance to your letter: Your research included information you provided with your claim, your account history, the monthly statements we sent you and available, information from the merchant, such as a signed receipt or contract.\n  \tObviously, you did not take into account my account history.   If you had, you would have seen that I have no past charges from any XXXX and do not have any charges from any gas station/convenience stores for the amounts that were fraudulently charged, in my past.  \nAlso, please show me where there are any signed receipt or contracts.  I doubt very much if there are any!  If there are signed receipts, please compare to my signature (I have a very unique signature).\nThese charges were scattered through out different locations on two separate days:\nXXXX XXXX XXXX:\nXXXX  in XXXX, CA\t\tXXXX\nXXXX XXXX XXXX XXXX XXXX, CA\XXXX\nXXXX XXXX XXXXnXXXX XXXX XXXX, CA\tXXXX\nXXXX XXXX XXXX XXXX CA\t\tXXXX\nXXXX XXXX XXXX CA\t\XXXXn\nSpecifically, in accordance with my account statement, on XXXX XXXX, I purchased fuel from XXXX in XXXX.  I was at my place of employment from XXXX hours to XXXX hours.  I live in XXXX, CA and I am employed in XXXX, CA.  It takes approximately XXXX XXXX XXXX XXXX XXXX  commute time, back and forth, from my place of residence to my place of employment.  It is a XXXX XXXX  commute.  I leave my place of residence at approximately XXXX  for my XXXX start time at my place of employment.  I am sure my XXXX  purchase is time stamped and the XXXX purchases are time stamped.  Please tell me how I can go around to 3 separate XXXX (over XXXX XXXX away from my work and over XXXX XXXX away from my home) when I was in XXXX, California working until XXXX XXXX.  \nAnd once again, I am the only person that knows my pin. I have 1 debit card, and I maintain possession of the card 100% of the time.  No other person is/was authorized to use my card (which I have/had in my personal possession 100% of the time)!!!!! \nI most certainly did not use my debit card for the disputed, obviously fraudulent, transactions.  I have proven that fact due to the details that I was working and I have only 1 debit card which is in my personal possession 100% of the time!!  \nThe reasoning that the card was not declined and/or all the funds were not taken, was used for concluding The charge was authorized by you or made by someone who has permission to use the card or account is so XXXX!!!!! The person I talked to over the phone explained that because the card was not declined or all the funds were not taken, the fraud claim was denied due to The charge was authorized by you or made by someone who has permission to use the card or account.  This is so XXXX!!!!!  The debit card has been in my possession 100% of the time and I am the only person that knows my pin.  Once again, please explain to me how The charge was authorized by you or made by someone who has permission to use the card or account.  \nI have been a Bank of America customer for over XXXX  years and have never been treated so unfairly as this.  Your company used to be one that had a good reputation and standing with me, but now I will need to reevaluate my business with you.  I know, and have proven, that I did not authorize the disputed charges.  They are in fact fraudulent charges to my account.  The fraud claim is valid and my XXXX  should be permanently credited to my account!\nPlease resolve this issue in my favor.  I had nothing to do with the charges that are being disputed!  The charges are a result of fraud!\nI am requesting that this fraud investigation be reopened and my XXXX be permanently reinstated to my account.  I am also filing a complaint with the Consumer Financial Protection Bureau over your abysmal findings/decision in this matter.\n\nPlease confirm you are in receipt of this letter and supporting documentation.\n\n\n\nXXXX XXXX XXXX \nClaim Nuimber:   XXXX\nEmailXXXX 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