Consumer complaint received 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
So this is the candid response I have gotten to all of my complaints. This is absolutely ridiculous. THEY HAVE NEVER ASKED ME FOR ADDITIONAL INFORMATION OR CONTACTED ME ABOUT MY CLAIM. Please explain to me how I have charges in different states and I do n't drive due to a XXXX disorder and don't even own a car. They state they did this investigation, but how can they investigate if they never reached out for ANYTHING. Even the initial filing they did ZERO investigation. They never asked for a police report or anything. I called and had to provide it. 

XXXX XXXX : Ive carefully reviewed your correspondence and want to let you know our response. Our records show : On XX/XX/XXXX, you contacted Bank of America to dispute several unauthorized transactions starting on XX/XX/XXXX through XX/XX/XXXX against your XXXX XXXX XXXX  account ending in XXXX totaling {$3700.00}. In response, the claim XXXX was initiated to investigate the matter on your behalf. A dispute for these transactions were sent to the merchants on your behalf requesting for the funds to be returned. On XX/XX/XXXX, we sent the enclosed correspondence informing you were unable to honor your claim as our research determined the transactions were authorized by you or made by someone with permission to use the card or account. On XX/XX/XXXX, the enclosed correspondence informed you the merchant XXXX XXXX issued a credit of {$27.00} to your XXXX XXXX XXXX account ending in XXXX. On XX/XX/XXXX and XX/XX/XXXX, the merchant XXXX XXXX XXXX issued credits totaling {$11.00} to your XXXX XXXX XXXX  account ending in XXXX. A re-evaluation of the claim was completed, as a result, we were able to credit your account a total of {$99.00}. We also credited your account for any interest charges and fees related to your claim. On XX/XX/XXXX, the enclosed correspondence informed you unfortunately, we determined there wasnt an error on the remaining transactions totaling {$3600.00} as our research determined the transactions were authorized by you or made by someone with permission to use the card or account. Weve also included the following documents, which you may find helpful : Claim Correspondence Heres our response Based on our review, we have not identified a bank error in the management of your accounts or claims. We have maintained your account in accordance with the terms and conditions of the Agreement, which form part of the contract between the bank and our clients. As a reminder, it is important for you to promptly review the notices, statements, and other communications we send to you. Reviewing your statements is one way you can check to make sure you still want to purchase the items being electronically billed to your account. It also helps prevent the wrongful use of your account and detect possible errors. You should review any statements and accompanying items as soon as they are available. If you do not review them within 60 calendar days of the date they were sent or made available to you, any requests you make for reimbursement may be denied. Please review the section Reporting Problems in the Agreement, which forms part of the contract between Bank of America and our clients. Thank you for taking the time to express your concern. Bank of America is committed to treating all clients and potential clients fairly, in accordance with applicable laws and regulations. Bank of America has always been the bank of opportunity for our shareholders, our clients and customers, our communities and our teammates. At Bank of America, we make every effort to exceed expectations on a daily basis, and we regret any dissatisfaction or inconvenience you may have encountered. Please know that your feedback is valuable, and we appreciate you sharing it with us. Were here to help We understand this may not be the result you were hoping for, but I hope its clear how we reached this decision. Our clients are important to us, and we appreciate the opportunity to address your concerns. If theres anything else you need, please call me at XXXX, Monday through Friday, XXXX XXXX. to XXXXXXXX XXXX Eastern. XXXX XXXX Resolution Specialist Regulatory Complaints cc : Consumer Financial Protection Bureau / Case Nos. XXXX, XXXX, XXXX, XXXX, 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 monetary relief