Consumer complaint received 2025-02-07 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: CA

Complaint narrative:
Bank of America ( BA ) Credit Card Transactions in dispute : XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXXXXXX - {$3.00} Charge XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$8500.00} Charge XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$8500.00} Charge XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$17.00} Charge XX/XX/XXXX - XXXX XXXX XXXX XXXX XXXX - {$8500.00} Charge XX/XX/XXXX - Returned Payment Unpaid - {$8900.00} Other XX/XX/XXXX - Payment Electronic - {$8900.00} Payment XX/XX/XXXX - Online Payment from XXXX - {$50.00} Payment I did not make all these transactions and have not authorized any of them. 
I became aware of it during XXXX XXXX when a BA XXXX rep from fraud department called me and noticed unusual transactions from my BA checking account. Due to this, I have to change my online credentials including changing my username and password online, upon the recommendations from BA service rep. 
In late XX/XX/XXXX, I received a letter from BA credit card XXXX that they have closed my credit card with them due to over credit limit. I called their XXXX number immediately and ended filing a fraud claim on XX/XX/XXXX. 
Around the same time, I have noticed some unauthorized withdrawals from my BA checking account and called their XXXX number again to investigate as I informed them that I did not make and authorize any and all of the transactions made in the XXXX during XXXX and XX/XX/XXXX as I am in the XXXX during those times and that I have my credit card in my possession. I ended up filing another fraud claim for credit card unauthorized transactions. After this incident, I went to local BA location, and they recommended to open a new checking account until my fraud claim is resolved, which I did. Also, I have direct deposit to this checking account, and I don't want to lose that. 
Early XXXX, I received a letter from BA dated XX/XX/XXXX, almost immediately after I filed my fraud claim that they have approved it and permanently credited my account for the unauthorized withdrawals. 
Also, sometime early XX/XX/XXXX, I received a letter from BA dated XX/XX/XXXX receiving update on my fraud claim on my credit card and they temporarily credited my account with all the unauthorized transactions. 
Sometime late XX/XX/XXXX, I received a letter again from BA dated XX/XX/XXXX, more than 45 days after I filed my claim, that they were unable to approve my recent credit card fraud claim because they confirmed statements were mailed to the address provided and payments have been made on the account. I immediately and during the next several days, I called the BA XXXX number several times and have talked to several fraud team members and insisted that I did not make and authorized any of those transactions and I have requested them to provide me with the necessary information and documents they used for their decision of not to approving my claim and they ended up re-opening the case while it is being reviewed again. The fraud team members promised me that they will send me copy of the information and documents I have requested with XXXX business days. I have talked to XXXXXXXX XXXX XXXX XXXX and XXXX XXXX recent as XX/XX/XXXX. 
During early XX/XX/XXXX, I received a letter from BA dated XX/XX/XXXX stating that BA were unable to approve my recent credit card claim because they confirmed that my credit card was used for the charge ( XXXX ). The chip was read, my PIN was entered, and/or I signed for the merchandise or service, which indicates me or someone I allowed to use my card was present. 
I immediately called again the XXXX number on XX/XX/XXXX and talked to XXXX and insisted BA to provide me detail information and documents they used for their decision. I also requested her to escalate my fraud claim to a Supervisor or XXXX level and informed her that I will also file a complaint to the Consumer Financial Protection Bureau. 
Also at this time, I decided to write BA an official letter to file my dispute claim and also informed them of my strong disagreement with their decision with supporting documents like copies of my driver 's license card, for proof of my signature, passport pages and pay statements, as proof of my presence in the XXXX, and previous credit card statements, proof of my responsible financial practices, mailed it to them at XXXX XXXX XXXX. 
Feel free to let me know if you need further details of this complaint.

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