Consumer complaint received 2026-04-08 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:
I am filing this complaint regarding a disputed fraud claim with Bank of America ( Claim # XXXX ) involving unauthorized charges totaling {$3300.00} on my account ending in XXXX. Summary of Unauthorized Transactions : The following transactions were not authorized by me and were clearly identified in my documentation submitted to the bank : XX/XX/year> XXXX XXXX ( XXXX, XXXX ) {$2800.00} XX/XX/year> XXXX ( XXXX, XXXX ) {$190.00} XX/XX/year> XXXX XXXX XXXX XXXX ( XXXX, XXXX ) {$120.00} XX/XX/year> XXXX ( XXXX XXXX, XXXX ) {$100.00} XX/XX/year> XXXX XXXX {$61.00} XX/XX/year> XXXX ( XXXX XXXX XXXX ) {$13.00} Total disputed amount : {$3300.00} Timeline of Events : On or about XX/XX/year>, I discovered multiple unauthorized transactions on my account. On XX/XX/year>, I immediately reported these charges to Bank of America and filed a fraud claim. On XX/XX/year>, I received notice that they were unable to approve my claim. On or about XX/XX/year>, I called and requested to reopen the claim. On XX/XX/year>, I received a formal denial stating the transactions were considered authorized due to chip usage, PIN entry, and/or signature. The bank removed the temporary credits and reinstated the charges. Actions Taken by Me : Reported the unauthorized charges promptly upon discovery Carefully reviewed all transactions and confirmed I did not authorize or benefit from any of them Fully cooperated with the banks investigation Requested reconsideration after the denial Requested documentation supporting their determination Actions Taken by Bank of America : Opened a claim and issued temporary credits Conducted an internal review Denied the claim based on chip/PIN/signature usage Removed temporary credits and held me responsible for the charges Failed to provide sufficient documentation demonstrating that I personally authorized these transactions Reason for Complaint : Bank of Americas conclusion relies on the assumption that chip usage, PIN entry, or signature equates to authorization. However, this does not prove that I personally conducted or approved these transactions. These charges occurred across multiple locations ( XXXX, XXXX, XXXX, XXXX XXXX, and XXXX XXXX ) within a very short timeframe, which is inconsistent with normal consumer behavior and should have been flagged as suspicious. I was also out of the state during these purchases. I did not make these purchases, nor did I knowingly allow anyone else to use my card. The bank has not provided evidence linking me directly to these transactions beyond generic transaction data. Despite requesting documentation, I have not received sufficient proof to justify their determination. Their decision appears to rely on assumptions rather than verifiable evidence. Requested Resolution : I am requesting that Bank of America : Reverse all disputed charges totaling {$3300.00} Restore any associated fees or interest Provide complete documentation supporting their determination Conduct a fair and thorough re-investigation I acted promptly and in good faith and am seeking assistance to ensure my rights as a consumer are upheld.

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