Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I am filing a formal complaint regarding Bank of Americas mishandling of a previously disputed charge on my credit card. I was deceived by XXXX XXXX, which instructed me to make purchases using my personal credit card under the false belief I was performing legitimate work tasks. Although I physically made the purchases in-store, these transactions were fraudulently induced and not for my personal benefit, which qualifies as XXXX XXXX XXXXXXXX Scam Fraud under federal law . The total amount of these fraudulent charges is {$3200.00} I previously filed a dispute and a fraud claim regarding these charges. Both were mishandled : the dispute was resolved without proper investigation or reclassification as fraud, and the fraud claim was denied because I physically made the charges, despite my consent being obtained through deception. The charges are being misclassified, preventing proper investigation and resolution. I also filed a police report Report Number : XXXX and an FTC Identity Theft report Report Number : XXXX, both of which can be verified with the respective agencies. 

All available evidence is ready for submission, including : - Emails and correspondence with the scam company - Receipts of the purchases - FTC Identity Theft report - Police report verification - Detailed timeline of events - Documentation of prior disputes and fraud claims This evidence demonstrates that the charges were fraudulently induced and not authorized under valid consent. 

On XX/XX/year>, I attempted to escalate my dispute. During my call, I spoke with XXXX on XXXX at XXXX XXXX  ( PST ), and the fraud department was closed. I requested to speak with her immediate supervisor to ensure proper review and instructions for submitting all evidence. The representative refused to transfer me, preventing proper handling of my claim. I subsequently reported this refusal to the supervisor, who documented the incident for internal review. This claim needs to be filed in the correct department to ensure proper investigation and resolution. 

I request that my claim be reopened, correctly classified as XXXX XXXX XXXX Scam Fraud, and reviewed with all evidence submitted, and that the charges be reversed and refunded once fraud is confirmed. I also request written confirmation and a new case number for tracking.

Bank of Americas prior resolution is legally insufficient. Even though the charges were made in-store, authorization obtained by deception is not valid consent under the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ) * *. Additionally, Bank of America is required under 15 U.S.C. 1643 ( cardholder liability ) and Regulation Z ( 12 C.F.R. 1026.6 and 1026.13 ) to properly investigate and correct billing errors, including fraudulently induced charges. Refusal to escalate, misclassifying, or ignoring these charges constitutes a violation of these federal protections.

This matter has been unresolved for over 8 months, causing unnecessary XXXX, financial risk, and hardship. I request that Bank of America handle this claim in full compliance with federal law, ensure corrective action regarding the representatives mishandling, file this claim in the correct department, and provide a final resolution with a full refund, so all 9 months of stress are resolved and my money is returned promptly. 

Case numbers of prior dispute and fraud claim : 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 explanation