Consumer complaint received 2026-03-11 00:00:00
Product: Credit 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
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally appeal the decision regarding my fraud claim for the credit card transaction dated XX/XX/year>, in the amount of {$800.00}. Under the Fair Credit Billing Act, I am disputing this charge because it was not authorized by me and does not relate to any purchase or service that I made or received. I recently received a letter from Bank of America stating that the claim was denied and that the amount has been reapplied to my credit card balance. I respectfully request that this decision be reconsidered because the transaction was not authorized by me. I was therefore very concerned when I discovered this unauthorized charge on XX/XX/year> and promptly reported it on the same day and requested a new credit card to be issued. Several important facts support my appeal : The purchasers name and billing name associated with the transaction are not my name. The phone number listed on the purchase is not my phone number ( where XXXX code tickets sent ). The transaction was for soccer game tickets in XXXX. At the time of the transaction, I was physically located in the United States and did not travel to XXXX. I did not make, receive as the denial letter claimed, authorize, or benefit from this purchase in any way. Additionally, on the same date the fraudulent transaction occurred, my email account received approximately XXXX to XXXX spam emails within a short period of time. These emails included messages such as your membership is due, you have an invoice, and you have a package. This appears to be an email XXXX attack, a tactic often used by fraudsters to flood a victims inbox in order to hide legitimate transaction notifications and prevent the victim from noticing unauthorized purchases. In addition, I have filed a police report with the City of XXXX XXXX ( Case # XXXX ) with XXXX XXXX to report this fraudulent transaction and can provide a copy of the report as supporting documentation. Because the billing information, contact information, and geographic location of the purchase do not match my identity or location, I strongly believe this charge resulted from unauthorized use of my credit card information. I respectfully request that Bank of America reopen and thoroughly review this case. Please reexamine the transaction details, including the purchasers name, phone number, phone number and any ticket delivery information associated with the purchase. If necessary, I am willing to provide any additional documentation to support my appeal, including proof of my physical presence in the United States at the time of the transaction a letter from Human Resource at work, a copy of my Bank of America XXXX card transaction and a copy of the police report. Thank you for your time and attention to this matter. I appreciate your help and look forward to a fair resolution.

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