Consumer complaint received 2026-03-22 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: IL

Complaint narrative:
On XX/XX/year>, I use my credit card to pay for what I thought was a XXXX for someone in my neighborhood for the amount of {$20.00}. They said I would receive a receipt in my email after a few hours, which I never received. As I walked away, I got a notification that my credit card was used to pay for an amount of {$2000.00} to a company called XXXX XXXX XXXX XXXX, which is a company that does not exist. I denied the transaction ( see attached ) but the charge still showed up ( not sure why ). I immediately opened a fraud claim for my bank, Bank of America ( claim ID XXXX ) that same day ( XX/XX/XXXX ), thinking it would be an easy issue to resolve. After all, it was for an extreme amount to a store that does not exist that I did not pay for. On XX/XX/year>, Bank of America issued temporary credit to my account. However, on XX/XX/year> I got a notice that my claim was denied due to the fact that they confirmed that my card was used for the charges. The chip was read. The PIN was entered, and/or you signed for the merchandise or service. I called the fraud department on XX/XX/year>. I gave them more information about the claim and the charge, that it was for a company that didnt exist, that the charge was initially declined, and that I did not buy or receive any merchandise, and they re-opened the fraud claim, saying that they would send all this information to the fraud department for another review. I also asked for more information regarding the fraud departments initial decision, which was never sent to me. On XX/XX/year>, I received the fraud departments decision ( claim ID XXXX ; see attached ), who denied the claim again, for the same exact reasons that they denied the first claim. On XX/XX/XXXX, I called the bank again regarding this claim. The representative I spoke with on the phone advised me to open a billing dispute, as opposed to a fraud dispute, given that I did intend to pay {$20.00} but instead got charged for {$2000.00}. I submitted a billing dispute on XX/XX/XXXX for {$1900.00} ( the {$2000.00} I was charged minus the {$20.00} I thought I was paying ; claim ID XXXX, see attached ). On XX/XX/XXXX, I submitted more information for the dispute, including a summary of what happened and additional documents. The bank also asked for a receipt for the purchase, which I am unable to provide given that it was never sent to me. On XX/XX/XXXX, I got the message that once again the bank denied my billing dispute on account of the fact that the account paid is the correct amount, given that I could not provide a receipt showing the original amount. I am filing this report before calling the fraud department again to try and re open the claim.

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