Consumer complaint received 2024-12-29 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: OR

Complaint narrative:
XX/XX/XXXX : Fraudulent charge appeared on my credit card by XXXX XXXX. I filed a fraud dispute totaling {$99.00} with Bank of America. My cc was canceled, they sent me a new card, and I took all steps to updates passwords, etc. I was told a block was put on the merchant. 

XX/XX/XXXX : New fraudulent charges were made on my new credit card by XXXX XXXX ( {$88.00} ), and XXXX ( {$71.00} ). Updated all passwords, etc. again. 

XX/XX/XXXX : Another fraudulent charge from XXXX XXXX was made on my credit card ( {$99.00} ). Updated all passwords, etc. again. 

XX/XX/XXXX : I filed a new fraud dispute with Bank of America totaling {$250.00} for the charges made by XXXX XXXX, XXXX XXXX, and XXXX XXXX. My credit card was cancelled again, a new cc was issued, and I was told that a block was put on all merchants. 

XX/XX/XXXX : A new fraudulent charge was made on my card from XXXX ( {$71.00} ). I filed ANOTHER fraud dispute with Bank of America. My credit card was canceled AGAIN, and a new card was issued. 

XX/XX/XXXX : a new fraudulent charge was made again on my card from XXXX XXXX ( {$99.00} ). 

It was at this point that I became aware that these are all subscription services and I was now stuck in a subscription trap, and made every attempt to contact the companies to cancel the subscriptions. 

XX/XX/XXXX : I made contact via email with XXXX XXXX and an account made in my name was located and canceled. 

XX/XX/XXXX : I made contact with XXXX XXXX via text, and they were able to locate the fraudulent account under the email address XXXX which is not my email. They confirmed cancellation of the account. 

XX/XX/XXXX : A Billing Dispute was created with Bank of America against XXXX XXXX ( {$99.00} ) for charges made on XX/XX/XXXX. 

I was very upset, angry, and at a loss of what to do with all of the repeated charges on my card. It was suggested by the Bank of America rep, that this time I file a " Billing Dispute '' instead of a fraud claim so that I didn't have to cancel my credit card again. I agreed, even though he didn't fully explain the difference between a billing dispute and a fraud claim. He said my only other option was to cancel my account completely and sign up for a new credit card with new terms. I was livid that this was his suggestion, and refused it. 

XX/XX/XXXX : Another fraudulent, recurring charge was made by XXXX XXXX ( {$100.00} ). 

XX/XX/XXXX : I filed a new fraud dispute with Bank of America, my credit card was canceled, and a new cc was issued with expedited delivery. I was assured by the BOA rep that it wouldn't happen again. I contacted XXXX XXXX, and was told that there is no account in my name, so they were not able to locate it. I am now waiting until XX/XX/XXXX to see if another XXXX XXXX charge is made on my card. 

XX/XX/XXXX : I contacted Bank of America to cancel the Billing Dispute filed on XX/XX/XXXX for {$99.00}, and instead requested to add it to the most current fraud claim against XXXX XXXX for {$100.00}. The BOA rep assured me that she canceled the dispute, and added it the the most recent fraud claim. There is currently no record in my account of these changes being made at all. 

XX/XX/XXXX : I receive notification from Bank of America that they have DENIED my fraud claims from XX/XX/XXXX for XXXX XXXX and XXXX XXXX because they concluded that " the charges were a subscription or recurring charge that I had paid in the past ''.

This entire process has been exhausting and inexcusable. I plan on escalating the matter to whatever lengths necessary.

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