Consumer complaint received 2026-05-13 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: TX

Complaint narrative:
AMENDMENT TO EXISTING CASE # XXXX - DO NOT CREATE NEW CASE - MERGE IMMEDIATELY AMENDMENT TO CFPB COMPLAINT # XXXX Filed : XX/XX/XXXX I am amending my original complaint with evidence of willful, repeated violations of Bank of America 's XXXX CFPB Consent Order, FCBA, UDAPP, and Regulation E. PATTERN OF ABUSE - XXXX XXXX XXXX VIOLATIONS : Bank of America used XXXX XXXX XXXX ( XXXX ) to port disputed merchant XXXX to FOUR ( 4 ) consecutive credit card accounts after I reported fraud each time. This violates Paragraph 44 of BoA 's XXXX Consent Order which prohibits using XXXX to transfer disputed merchants to new accounts. TIMELINE OF UNAUTHORIZED CHARGES ACROSS 4 CARDS : 1. CARD ENDING XXXX - Original Account - XX/XX/XXXX - XX/XX/XXXX : I authorized ONE purchase with XXXX for {$1.00} only - After XX/XX/XXXX : XXXX began charging $ XXXX without authorization - Multiple unauthorized {$19.00} charges appeared - XX/XX/XXXX : Filed formal dispute # XXXX for XXXX fraud - I reported fraud to Bank of America . BoA closed XXXX and issued XXXX. XXXX. XXXX XXXX XXXX - First Replacement - Reported XXXX fraud to BoA. BoA closed card and issued XXXX. - XXXX XXXX XXXXXXXX automatically transferred XXXX merchant to XXXX - RizzUp charged {$19.00} again without authorization 3. CARD ENDING XXXX - Second Replacement - Reported XXXX fraud to BoA. BoA closed card and issued XXXX. -XXXX XXXX XXXXXXXX automatically transferred XXXX merchant to XXXX - XXXX charged {$19.00} again without authorization 4. CARD ENDING XXXX - Current Account BoA confirmed dispute and should have blocked merchant per FCBA - XX/XX/XXXX : XXXX charged {$19.00} to XXXX via XXXX XXXX XXXX - This occurred 28 MONTHS AFTER dispute XXXX was filed - Charge remains posted as of XX/XX/XXXX BANKAMERIDEALS UDAPP VIOLATIONS : Bank of America 's XXXX marketing program paid cash-back rewards for the disputed fraud merchant in XX/XX/XXXX, proving BoA 's marketing division was still promoting XXXX 28 months after fraud was reported. Evidence : - XX/XX/XXXX : Rewards Summary for XXXX shows " XXXX, XXXX $ ( XXXX ) Pending '' - XX/XX/XXXX : Rewards Summary for XXXX shows " XXXX XXXX $ ( XXXX ) Pending '' This violates UDAPP ( 12 USC 5531 ) . Marketing cash back for a merchant the fraud department already confirmed was disputed constitutes a deceptive practice. SPECIFIC FEDERAL VIOLATIONS : 1. XXXX CFPB CONSENT ORDER - Willful Violation - Paragraph 44 prohibits using XXXX to port disputed merchants to replacement cards- BoA violated this 3 times : XXXX, XXXX, XXXX - Each transfer is a separate violation 2. FAIR CREDIT BILLING ACT - 15 USC 1666 - BoA failed to stop charges after receiving written dispute XXXX on XX/XX/XXXX - Continued billing for unauthorized charges for 28 months 3. REGULATION E - 12 CFR 1005.11 - {$19.00} charge on XX/XX/XXXX was unauthorized electronic fund transfer - BoA failed to provide provisional credit within 10 business days 4. TRUTH IN LENDING ACT - 15 USC 1643- Billed me for services not authorized after initial {$1.00} purchase on XXXX - {$1.00} transaction proves I did not authorize recurring {$19.00} subscription 5. UDAPP - 12 USC 5531 - XXXX marketed and paid rewards for known fraud merchant in XX/XX/XXXX RELIEF REQUESTED : 1. Immediate refund of ALL unauthorized XXXX charges across cards XXXX, XXXX, XXXX, XXXX from XX/XX/XXXX to present 2. Statutory damages under FCBA and Reg E for willful violations 3.Penalties under XXXX Consent Order for 3 XXXX violations 4. Written confirmation that XXXX and XXXX XXXX, XXXX are permanently blocked from XXXX and XXXX bank-wide 5. Written confirmation that all my accounts are opted out of XXXX 6. Copy of BoA 's internal investigation into why dispute XXXX failed to block merchant across 4 cards This pattern demonstrates Bank of America has no effective controls to prevent XXXX abuse and is in active willful violation of its XXXX Consent Order. Immediate CFPB intervention requested. [ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX ] [ XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX ]

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