Consumer complaint received 2024-10-23 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: IL

Complaint narrative:
This is a copy of my letter to Bank of America XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America Fax XXXX XXXX XXXX XXXX XXXX Ladies and Gentlemen, Im writing to you regarding the fraud activity on my credit card account ending in XXXX on XX/XX/year>. On XX/XX/year>, I reported fraudulent activity on my credit card ending in XXXX via phone. On XX/XX/year>, Bank of America reversed the fraudulent charges listed below totaling {$23000.00}. On XX/XX/year>, I received a letter from Bank of America indicating the claim # XXXX was NOT approved based on the transaction being made through Online or Mobile Banking using my user ID and my password. Bank of America has wrongly denied this claim since I did NOT authorize or initiate these fraudulent transactions. In addition, the total Fraudulent charges below occurred on the same day ( XX/XX/year> ) and not only exceeded the individual transaction cash advance limit of {$3100.00}, but also exceeded my credit card limit of {$15000.00}. 

Therefore, Im requesting Bank of America credit my credit card account for the Fraudulent amounts charged as follows : XX/XX/year> {$3200.00} fraud dispute XX/XX/year> {$1000.00} fraud dispute XX/XX/year> {$3100.00} fraud dispute XX/XX/year> {$5000.00} fraud dispute XX/XX/year> {$4000.00} fraud dispute XX/XX/year> {$3000.00} fraud dispute XX/XX/year> {$1500.00} fraud dispute XX/XX/year> {$2400.00} fraud dispute TOTAL {$23000.00} Please provide a credit for the Transfer Fees charged, not once but twice, as follows : XX/XX/year> {$200.00} XX/XX/year> {$200.00} XX/XX/year> {$160.00} XX/XX/year> {$160.00} XX/XX/year> {$60.00} XX/XX/year> {$60.00} XX/XX/year> {$96.00} XX/XX/year> {$96.00} XX/XX/year> {$120.00} XX/XX/year> {$120.00} XX/XX/year> {$41.00} XX/XX/year> {$41.00} XX/XX/year> {$120.00} XX/XX/year> {$120.00} XX/XX/year> {$120.00} XX/XX/year> {$120.00} TOTAL {$920.00} TOTAL {$920.00} XXXX request credit for Interest Charge as follows : XX/XX/year> {$600.00} XX/XX/year> {$470.00} XX/XX/year> {$0.00} TOTAL {$1000.00} Also, I request credit for Late Fees as follows : XX/XX/year> {$49.00} TOTAL {$49.00} Total requested credit for all Bank of America charges to my credit card is {$26000.00}. 

Please understand, I did not request, nor authorize these credit card transactions, nor did I authorize wire transfers to my checking account. The Fraudulent cash advance charges to my credit card account were not visible on my online credit card account until the following day, when I discovered these Fraudulent transactions and filed the CLAIM # XXXX. I have contacted the XXXX Police Department, the Illinois Attorney General, and Federal Bureau of Investigation. If you require or need this information for your investigation, I would be willing to share this information with the Bank of America personnel.

Please forward me the name ( s ) and telephone number ( s ) of the department ( s ) who may assist me with my additional questions : Why were the eight cash advance payments totaling {$23000.00}, not reported via text to me?

How was the {$15000.00} credit limit on my account ignored for these Fraudulent cash advances? 
How was the {$3100.00} cash advance limit ignored for these Fraudulent cash advances? Were there other Fraudulent cash advances attempted for my credit card account? 
Why were the high frequency of Fraudulent cash advances in one day on my credit card account not reported to me and not recognized by the Bank of America Fraud Department? 

The Bank of America decision to decline CLAIM # XXXX has caused me mental and physical stress and will negatively impact my personal financial status and negatively impact my credit score. Please understand the matter requires your immediate attention and I would appreciate being provided an update on my situation with the Fraudulent cash advances on my credit card account. 

Sincerely, XXXX XXXX

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