Consumer complaint received 2026-04-09 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: TX

Complaint narrative:
I will begin before XX/XX/XXXX. One some date a few days before XX/XX/XXXX. I had impersonators trick me out of my credit and savings information. Only a day after the end of the con did I worry enough to check, and almost all my money and credit was gone or used. On XX/XX/XXXX ( before I closed down everything ), someone used my credit card to purchase for {$4900.00} XXXX XXXX XXXX from the XXXX XXXX ( XXXX XXXX XXXX XXXX ) or nothing was purchased and someone at the company, or the whole company made a charge for nothing. It was claimed that I purchased some special new age XXXX treatment received at some undisclosed location near XXXX or XXXX XXXX. I do wish that I had better records, but they do not improve until XX/XX/XXXX. Unfortunately, Bank of America ( BoA ) has the information advantage with its recording of events and words spoken on recorded calls, information that is not shared with me. The initial decision was that I had used the credit card to make the purchase. The bank denied another purchase on that same date to XXXX XXXX XXXX. The main justification, with which the bank has persisted, is that " The merchant provided documentation confirming you received the merchandise or service. '' I have contested this from the beginning. My contestation was finally put into writing because on at least two different phone calls, with different people, I was told that if further details were needed, they would be asked of me in someone reaching out to me from the credit debt dept. who does the actual evaluation. I wrote something when I received an e-letter informing me that the matter was now closed. Afterward, I called BoA credit fraud department, had my case reopened, and went to the bank the following day to have my information faxed, which was required. The attached materials become quite demonstrative here. I contested that my signature was the signature, along with other points. I stated, " The claimed signature is utterly fake. I have never signed in full or in part with a print A when signing. Everyone can attest that such has never been seen. I do print an A if asked to print, but I do not mix printing and cursive in the same name ever if I am unsure what is wanted. '' That is the response to that claim, but many of my other points would make the possibility such a signature almost impossible. I sent this information, through the bank because I do not own a fax machine, three times to three different numbers because twice I was informed that a different number was really the correct one. Additionally, in final fax, I have a request that I be informed what would be sufficient proof ( I have asked this aloud ) of my innocence, but I am never informed. Other arguments made against the false claim of purchase. Certain details are in the accompanying documentation and do not fit here. A ) Because the fraudsters in XXXX obtained all of my information, " any verification by means of address would be meaningless. '' B ) I have no history of transactions of that amount except for a few times ( I can not look back at all my purchases, which BoA has for the last for the last 29 years ). C ) " I have never been to the XXXX XXXX or XXXX area. '' D ) " I am including a signed statement from my mother, who corroborates many of these points. '' E ) I give the following offer : " If you want, I will gladly send sworn affidavits concerning my signature, my visiting of XXXX XXXX or XXXX, and my view on New Age though justifying this fraud. '' No one ever asked.

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