Consumer complaint received 2026-03-26 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: NY

Complaint narrative:
b'Subject: Formal Complaint: Bank of Americas Failure to Resolve Identity Theft & Internal \n\nSecurity Breach Claim Number: XXXX XXXX \nAccount Ending In: XXXX \nDisputed Amount: XXXX \nConsumer Statement: \nI am filing this formal complaint against Bank of America (BofA) for its catastrophic failure to \nsecure its card distribution chain and its subsequent refusal to resolve a clear case of unauthorized \ntransactions occurring on XX/XX/2026. Despite overwhelming evidence of a "source-level" \nsecurity breachwhere a replacement card was compromised before even entering the postal \nsystemthe bank has issued an erroneous denial, causing significant financial harm and distress. \nSection I: Official Law Enforcement & Identity Theft Reports \nI have fulfilled all legal obligations as a victim of organized crime by filing formal reports with the \nfollowing agencies (documents attached): \n XXXX Complaint Report No.: XXXX \n FTC Report Number: XXXX \n XXXX Report Number: XXXX \nSection II: Irrefutable Evidence of Internal/Source-Level Failure \nThe core of this dispute lies in the fact that the replacement card never entered the public postal \nsystem, pointing to a breach within the banks own distribution origin: \n Upstream Failure: My USPS Informed Delivery records from XX/XX/2026, \nonwards prove that the replacement card never appeared in the digital photographic \npreviews of mail destined for my address. \n Point of Origin Breach: Because the card never surfaced in the USPS sorting system, the \ncompromise logically occurred within the banks own distribution chain or production phase. \n Logical Impossibility: It is a physical impossibility for me to have possessed or used a \ncard that was never successfully handed over to the postal service. The bank authorized a \nhigh-value charge on a card that "never existed" in the mail stream. \n Organized Crime Pattern: This is a documented pattern of organized mail fraud currently \ntargeting XXXX XXXX XXXX residents at the distribution level. The bank\'s refusal to \nacknowledge this "internal-to-postal" breach is unacceptable. \nSection III: Detailed Timeline of Events (2026) \n XX/XX/XXXX: Requested replacement credit card (XXXX XXXX). \nXX/XX/XXXX: BofA claimed the card was dispatched; however, USPS Informed Delivery \nrecords confirm no such mail piece was ever processed or imaged. \n XX/XX/XXXX: BofA online banking status remained "Unable to Confirm," proving the card was \nnever received or activated by me. \n XX/XX/XXXX (Day of Breach): \n XX/XX/XXXX: Unauthorized charge of XXXX (XXXX XXXX) Transaction \nApproved. \n XXXX XXXX: Unauthorized charge of XXXX (XXXX XXXX) Transaction \nDeclined. \n XXXX XXXX: BofA Fraud Dept. called to report suspicious activity; card was officially \nfrozen. \n XXXX XXXX: Unauthorized charge of XXXX (XXXX XXXX) Transaction \nDeclined. \n \n XX/XX/XXXX: Following the instructions from the BofA representative, I formally filed a report with \nthe FTC and visited a BofA branch to fax the report. \n XX/XX/XXXX: Mailed a hard copy of the FTC report via Certified Mail to BofA Claim Resolution \n(XXXX, TX). (Tracking: XXXX XXXX XXXX XXXX XXXX XXXX) \n XX/XX/XXXX: BofA issued an erroneous denial letter. Immediately filed. \n XX/XX/XXXX: XXXX and XXXX reports. \n XX/XX/XXXX: Visited a BofA branch to FAX updated evidence (Police & XXXX reports, USPS \nInformed Delivery records, and my child\'s school attendance records as physical \nalibi) to XXXX and XXXX. \n XXXX XXXX: BofA claimed "no record" of the new evidence. Consequently, sent all documents \nvia Certified Mail to BofA (XXXX XXXX XXXX, XXXX, AZ XXXX). (Tracking: XX/XX/XXXX) \nSection IV: Geographical & Behavioral Impossibility \n Physical Alibi: I was physically present in XXXX XXXX XXXX during the transactions. My \nchild\'s school attendance record, coupled with my daily responsibilities as a parent in \nXXXX, confirms that I could not have been in Massachusetts at the time of the breach. \n Geographical Anomaly: The unauthorized charges were made in Massachusetts, a state \nwith which I have no historical, personal, or professional association. \n Behavioral Inconsistency: I do not hold a XX/XX/XXXX membership. My 3.5-year spending \nhistory consists almost entirely of small, local XXXX transactions. These high-value charges \nat a wholesale club contradict every aspect of my established financial behavior. \nConclusion & Desired Resolution \nBank of Americas internal systems failed to flag a transaction that was geographically impossible \nand behaviorally anomalous, involving a card that was never even delivered. As a victim of crime, I \nam exhausted by the bank\'s intentional delays and its refusal to acknowledge its own security \nlapses.'

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