Consumer complaint received 2025-01-14 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: IN

Complaint narrative:
XX/XX/XXXX ( Sunday ) I received Invoice # XXXX via email from " XXXX XXXX XXXX XXXX, XXXX '' saying I had made a payment for {$3600.00}. This is a local company and all of their correct information was listed on the invoice. 

XX/XX/XXXX I immediately checked my Bank of America credit card account and the charge was listed as " Pending. '' I contacted the credit card company and told them this was a fraudulent charge. 

XX/XX/XXXX I called local law enforcement and they came to my home and filled out a report. I called XXXX XXXX XXXXXXXX XXXX XXXX  but they were closed. 

XX/XX/XXXX I contacted XXXX, the company that processed the payment, and was told they could not discuss the information with me since I did not have an account. 

XX/XX/XXXX I called XXXXXXXX XXXX XXXXXXXX XXXX Services to tell them that the charge was in error. They had no record of the charges and it appeared someone else was using their company information and using stolen credit card information to deposit money into an account via XXXX. I reported this information to the credit card company and the detective followed up with the XXXX XXXX XXXX XXXX XXXX ( they are a local business ). 

XX/XX/XXXX I placed a freeze on both my and my husband 's credit accounts. Activated XXXX credit monitoring through XXXX XXXX since we had received notification in XX/XX/XXXX that some of our information may have been accessed. 

XX/XX/XXXX Bank of America issued a temporary credit for {$3600.00} while they investigated. 

XX/XX/XXXX ( approximate date ) I received and activated a replacement credit card from Bank of America. 

XX/XX/XXXX Bank of America decided that my claim was invalid and charged put the fraudulent charge on my account. 

XX/XX/XXXX and XX/XX/XXXX I contacted Bank of America numerous times advising that this charge was fraudulent. They have agreed to look at the charge again, but the charge remains on my account. I mailed them information via XXXX regarding XXXX XXXX and XXXX along with monthly notifications from XXXX that none of our information had been found on the dark web. 

XX/XX/XXXX I went back to the invoice received via email XX/XX/XXXX. I clicked on the hotlink " your card dashboard. '' It gave me some options to change my card number and showed my NEW CREDIT CARD NUMBER! 

XX/XX/XXXX I contacted XXXX XXXX fraud department and they advised that the XXXX account belonged to a merchant. I sent them all of the information that I had regarding this payment. They sent me an email to share local law enforcement. I am waiting on a return call from the detective, so that I can forward the information to him. 

XX/XX/XXXX I called and advised Bank of America XXXX XXXX that my new credit card information was listed on the fraudulent invoice. The first person I talked to assured me they would not have shared that information, cancelled the card I received in XXXX, and issued a new card. A later call to Bank of America XXXX XXXX revealed that they would have automatically shared the card number with merchants including the one that made the fraudulent charge.

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