Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
Here is a detailed complaint template you can file with the **Consumer Financial Protection Bureau ( CFPB ) ** regarding your dispute with **Bank of America** over a rejected fraudulent transaction claim.

-- - # # # **Complaint Template** # # # # **1. Personal Information : ** - **Name : ** XXXX XXXX - **Address : * - **Phone : ** [ Your phone number ] - **Email : ** [ Your email address ] # # # # **2. Company Information : ** - **Company Name : ** Bank of America - **Product Type : ** Debit Card or Credit Card - **Claim Number : ** XXXX - **Amount in Dispute : ** {$510.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Complaint Summary : ** Bank of America rejected my dispute for a fraudulent transaction totaling XXXX XXXX XXXXXXXX, despite the evidence I provided that demonstrates I did not authorize or make this purchase. 

-- XXXX XXXX XXXX XXXX XXXX  XXXX. Complaint Details : ** 1. **Background Information : ** - The disputed transaction occurred on XXXX XXXX, XXXX, through the merchant XXXX located in XXXX XXXX, XXXX. 
- I filed a fraud claim with Bank of America, asserting that the transaction was unauthorized. 
- A temporary credit was issued to my account but later reversed when my dispute was denied.

2. **Banks Reason for Denial : ** - Bank of America stated that the merchant provided evidence, such as an IP address matching my billing address, to support the transaction.

- However, I believe this evidence is unreliable and may have been manipulated or exploited by fraudsters.

3. **My Supporting Evidence : ** - I provided proof of my physical location at the time of the transaction, which shows I could not have made the purchase.

- I also demonstrated that I did not have access to the device allegedly used to complete the transaction.

- Despite my efforts, Bank of America ignored my evidence and upheld the merchants claim.

4. **Impact on Me : ** - I was forced to bear the financial loss of this fraudulent transaction.

- Bank of Americas investigation process appears to have been insufficient, leaving me unprotected as a consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Violations : ** - Bank of America failed to conduct a thorough investigation of my fraud claim, potentially violating the **Electronic Funds Transfer Act ( EFTA ) ** and my consumer rights. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Requested Resolution : ** 1. Reopen the investigation into my dispute, giving full consideration to all the evidence I provided.

2. Restore the temporary credit of ** $ XXXX or refund the full amount if the transaction is proven to be fraudulent. 
3. Provide a detailed written explanation of the investigation process and the rationale behind the decision. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Supporting Documents : ** - A copy of the letter from Bank of America denying my claim. 
- Evidence of my physical location at the time of the transaction. 
- Any additional correspondence, documentation, or proof supporting my assertion that the transaction was fraudulent.

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