Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear XXXX XXXX and members of the XXXX Department, I am writing to address the unresolved matter concerning the unauthorized duplication and use of my card, as detailed in our initial report. Despite the identification of the illegitimate transaction at a specific location on the same day, the associated charges have not been rectified in my account. The prolonged handling of this issue, characterized by successive transfers and inadequate information from various representatives, has been disheartening. Compounded by my recent major XXXX, which renders me unable to address this matter via telephone, this situation has been particularly frustrating. 

It is imperative that the aforementioned charges be promptly credited back to my account by the close of today. Failure to resolve this issue will necessitate submitting a formal complaint to relevant government agencies due to the mishandling and prolonged negligence in managing this matter, which constitutes a violation of regulations and standards. I firmly request the XXXX Department 's immediate attention to rectify this matter without further delay. 




From : XXXX XXXX XXX XXXX Sent : XXXX XX/XX/XXXX XXXX AM To : XXXX XXXX Subject : Response to Your Inquiry Bank of America This XXXX XXXX secure message from Bank of America XXXX 
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From : Enterprise Resolution XXXX Sent : XXXX XX/XX/XXXX XXXX AM To : XXXX XXXX Subject : Acknowledgement of Your Inquiry XXXX XXXX XXXX XXXX : Case Reference XXXX Thank you for contacting Regulatory Complaints XXXX Bank of America XXXX As your Resolution XXXX I welcome the opportunity to address your concerns. 



Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are XXXX XXXX XXXXM to XXXX PM EST. 



Please note that well be providing our response to your concerns in writing via secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at XXXX and XXXX or XXXX of my colleagues will return your call within XXXX hours. 



I look forward to the opportunity to serve you and appreciate you taking the time to bring this matter to our attention. 

Please note that this email address is not actively monitored and should not be used for replies. Do not send any sensitive information such as account numbers or Social Security numbers. 



XXXX XXXX. 

XXXX XXXX XXXX XXXX Bank of America XXXX Email Preferences : This is a service email from Bank of America. Please note that you XXXX receive service emails in accordance with your Bank of America XXXX agreements, whether or not you elect to receive promotional email. 

Bank of America N.A. XXXXXXXX XXXX XXXXXXXX Bank of America Corporation. All rights reserved.

This message, and any attachment ( s ), is for the intended recipient ( s ) only, may contain information that is privileged, confidential and/or proprietary and subject to important terms and conditions available at XXXX XXXX XXXX. If you are not the intended recipient, please delete this message. For more information about how Bank of America protects your privacy, including specific rights that XXXX apply, please visit the following pages : XXXX XXXX XXXX ( which includes global privacy notices ) and XXXX XXXX XXXX  ( which includes XXXX XXXX specific privacy XXXX such as the http : 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