Consumer complaint received 2026-03-30 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: NJ

Complaint narrative:
Opened Claim ID XXXX Claim Amount {$43000.00} Claim opened XX/XX/year> Recieved following Claim Denial Letter from Bank of America Claims Resolution, XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX Update On Your Claim Account ending in XXXX Date XX/XX/year> Claim number : XXXX Amount : {$43000.00} Received following letter from Bank Of America Claims Resolution XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Update On Your Claim Account ending in XXXX Date XX/XX/year> Claim number : XXXX Amount : {$43000.00} XXXXX ( name ), were unable to approve your recent claim. Our research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. Whats next The temporary credit ( s ) applied to your account will be removed - youll see it on your monthly statement, along with any additional charges or fees you owe. If you have a Custom Pay Plan, you can view plan details in Online Banking and in the Mobile Banking app by going to XXXX If your account was past due at the time of your claim, and no payments were made, it will return to that same status. Please continue to make the required payments on your account. For updates on your claim If youd like copies of the documents we used to make this decision, please call us at XXXX, Monday - Friday XXXX XXXX to XXXX XXXX eastern. Please have your claim number when you call. Thank you for your patience during our review. I also submitted a police report indicating I did not make these charges. Here is list of charges XX/XX/year> XXXX transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$170.00} {$44000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX XXXX XXXX XXXX Type Purchases {$17000.00} {$44000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$45.00} {$27000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX XXXX XXXX XXXX Type Purchases {$4500.00} {$27000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date : XXXX2026FOREIGN TRANSACTION FEE Type Fees {$0.00} {$23000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX XXXX Type Purchases {$53.00} {$23000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date XXXX XXXXFOREIGN TRANSACTION FEE Type Fees {$0.00} {$23000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX XXXXXXXX Type Purchases {$53.00} {$23000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date : XXXXFOREIGN TRANSACTION FEE Type Fees {$1.00} {$23000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX XXXX Type Purchases {$100.00} {$23000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date : XXXXFOREIGN TRANSACTION FEE Type Fees {$0.00} {$22000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX XXXX Type Purchases {$89.00} {$22000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date : XXXXFOREIGN TRANSACTION FEE Type Fees {$0.00} {$22000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX transaction for Transaction XXXX : XXXX XXXX XXXX Type Purchases {$53.00} {$22000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date : XXXXFOREIGN TRANSACTION FEE Type Fees {$1.00} {$22000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX XXXX Type Purchases {$100.00} {$22000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date : XXXX TRANSACTION FEE Type Fees {$0.00} {$22000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXX XXXXXXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX XXXX Type Purchases {$35.00} {$22000.00} XXXX transaction for Transaction XXXX XXXX XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX transaction for Transaction date : XXXXXXXX XXXX Type Purchases {$2500.00} {$22000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX Type Purchases {$2600.00} {$20000.00} XXXX transaction for Transaction date : XX/XX/year> FOREIGN TRANSACTION FEE XX/XX/year> XXXX transaction for Transaction date XXXX XXXXFOREIGN TRANSACTION FEE Type Fees {$68.00} {$17000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX transaction for Transaction date : XXXX XXXX Type Purchases {$6800.00} {$17000.00} XX/XX/year> Expand transaction for Transaction date : XXXXFOREIGN TRANSACTION FEE Type Fees {$95.00} {$10000.00} XXXX transaction for Transaction date : XX/XX/year> XXXX XXXXXXXX XX/XX/year> XXXX transaction for Transaction date : XXXXXXXX XXXX Type Purchases {$9500.00} {$10000.00} I did not make any of these charges to XXXX. Also total charges all made in one day. Charges exceed my credit limit.

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