Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
Subject : Dispute Over Fraudulent Credit Card Charge and Inadequate Resolution by Bank of America Visa What happened? 
On XX/XX/year>, my wife, sister-in-law, and I arrived at the airport in XXXX XXXX, XXXX XXXX XXXX We were approached by a man who presented himself as an XXXX driver. He quoted a fare of XXXX ( about {$12.00} USD ) for a 20-minute ride to our downtown destination. Upon arrival, the driver said he could not accept cash payment and requested my credit card, which he processed on a handheld card reader connected to his phone. I was not provided a receipt. 

Several days later, I noticed a pending charge of approximately {$510.00} USDsignificantly higher than the agreed amount. I immediately waited for the transaction to post so I could dispute it online with Bank of America. When I attempted to resolve this matter, I was told I needed to contact the merchant. The merchant provided no contact information, did not provide a receipt, and appears to be fraudulent. 

Despite explaining the circumstances to Bank of America Visaincluding that the driver falsely identified himself as an XXXX driver and intentionally overcharged methey denied my fraud claim. I canceled my credit card, and Visa issued me a new one. After a second review and resubmission, my claim was again denied, with the representative stating there were no merchant-provided documents on fileonly my submission. 

What steps did you take with the company? 
Submitted an online dispute through Bank XXXX XXXX website. 
Called Bank of America for an explanation; was told the charge was considered authorized since the card was present ( despite extreme overcharge and misrepresentation ). 
Made a second phone call and asked for documentation or explanation behind denial ; none provided but my own letter. 
Second claim was filed based on suggestion by the representative, but this was also denied. 

Why do you believe this is unfair or unresolved? 
The transaction was clearly fraudulent : the service provided was misrepresented, and the charge was over 40 times the agreed fare.

The merchant can not be contacted, and there is no avenue to resolve the issue directly with them.

Bank of Americas denial appears to be based purely on the presence of my card, with no investigation into the fraudulent nature of the merchant or transaction. 
As a XXXX customer, I feel Visa/Bank of America are not honoring their claimed XXXX XXXX fraud protection for this obviously unauthorized charge. 

What resolution would you like? 
I request that Bank of America/Bank of America Visa reverse this {$510.00} charge as a clear, intentional overcharge using fraud. 
I ask that the CFPB investigate Bank of Americas handling of this dispute and their application of fraud protection policies, especially for international credit card fraud. 
I wish to see consumer protections enforced as advertised for cases of card-present fraud resulting from clear merchant misrepresentation. 

Supporting Documentation that can be provided on request. 
Credit card statement showing the fraudulent charge of {$510.00} Current XXXX rate for XXXXXXXX XXXX  to downtown at XXXX, about {$12.00}. 
XX/XX/XXXX letter from BofA denying my claim for the second time. 

Additional Details : I am available to clarify any details and can provide signed statements from, fellow riders, wife and sister-in-law, that would support my claim. Also, a XXXX search of XXXX ride share scams is evidence that mine is not an unusual circumstance. XXXX fraud claims are rampant, and it seems to me that Visa becomes part of the fraud when they deny claims for this obvious fraud. 

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