Consumer complaint received 2024-12-05 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: NV

Complaint narrative:
I, XXXX XXXX do not recognize the following transactions and have never authorized them. Pursuant to XXXX XXXX XXXX XXXX I politely request to permanently reverse these charges and the issuance of a full credit to my accounts. I have attached additional details on this matter below. XXXX XXXX : Fraud - Card-Absent Environment. This code is used for fraudulent online transactions. XXXX XXXX : No Authorization : These codes are used when a transaction is processed without authorization. 
Under UCC 4-214, issued XXXX, I invoke my right to chargeback and refund this transaction. Furthermore, I request claims and defenses under Federal law 15 USC 1666i. This section specifies the cardholder 's liability does not apply to the value of the fraudulent transactions when the issuer is notified. Regulation Z, specifically 1026.12 of the TILA contains special credit card provisions that limit my liability for fraudulent credit card use. 
I hereby inform the card issuer and representative investigating the case, that I am withholding payment on the fraudulent charges. However, to be a loyal consumer I will continue the minimum payments under duress and fear that withheld payments will negatively impact my credit report and reputation. I do not consent to any past or future payments being applied for these fraudulent charges. 
According to California Financial Code Section 2102, 17000 and Federal law principles. I reserve the right to refund. Consumers should be protected from financial loss from fraudulent transactions. The Fair Credit Billing Act safeguards consumers from fraudulent transactions on their credit card accounts. I am requesting a full reversal of the fraudulent transactions on the VISA SIGNATURE TRAVEL REWARDS credit card XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX at Bank of America California , XXXX XXXX XXXX Case # XXXX Fraudulent Transactions : XXXX XXXX XXXX on XX/XX/XXXX for {$4000.00} XXXX XXXX XXXX on XX/XX/XXXX {$4200.00} XXXX Case # XXXX Fraudulent Transactions : XXXX XXXX XXXX on XX/XX/XXXX for {$4300.00} XXXX XXXX XXXX on XX/XX/XXXX for {$800.00} XXXX XXXX XXXX on XX/XX/XXXX for {$13000.00} I have enlisted the local police department, the California Department of Financial Innovation and Protection, the California Department of Justice, the California Department of Consumer Affairs, the Better Business Bureau, the Internet Crime Complaint Center, the Consumer Financial Protection Bureau, International Consumer Protection and Enforcement Network ( ICPEN ) and the Federal Trade Commission. While these agencies may have different jurisdictions and specific mandates, they share common goals of protecting consumers like myself. Let it be known I have faxed, mailed and called to notify the card issuer. 

FTC IDENTITY THEFT Report Number : XXXX With clean hands and good faith, 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