Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Report of fraud with Bank of America, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. On XX/XX/XXXX, nine unknown charges totaling {$4900.00} were reported to Bank of America ( BofA ) as fraudulent charges by XXXX XXXX XXXX, an online art merchant located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, phone # XXXX. XX/XX/XXXX, BofA reported that those charges were legitimate and authorized by the cards user XXXX XXXX. The banks claims department was immediately informed by XXXX XXXX that no such authorization was given by him for the charges, and no one contacted him regarding the claim since made on XX/XX/XXXX. The claim was re-opened along with a complaint regarding the false accusation that hed authorized the charges. XX/XX/XXXX, BofA informed XXXX that XXXX, a 3rd party investigation, determined that XXXX had authorized the charges, and that hed be responsible for the balance of {$4900.00}. XXXX was advised by BofA to contact XXXX fraud department for an explanation of their investigation, and he also got XXXX XXXX XXXX phone number and business address too. XXXX attempted to contact the merchant, but the phone number no longer in use. XXXX contacted XXXX fraud department, but was informed that he had to go through BofA for the requested information. After re-opening the claim again, XXXX did a quick online investigation regarding Signature Canvas Prints the the following was discovered : -XXXX XXXX XXXX business address is a vacant building shared with XXXX. XXXX XXXX , listed in the companys Legal Notice as XXXX XXXX XXXX website developer, and they share the same address as XXXX XXXX XXXX. Further online research shows that XXXX XXXX other address, XXXX XXXX XXXX, XXXX XXXX, is according to XXXX XXXX,... a placeholder often used in website templates and demo themes ( such as XXXX or XXXX templates ). The text " XXXX XXXX XXXX, XXXX XXXX '' is a typo-laden, merged combination of a fictitious XXXX XXXX address and Gournadi, which is an actual municipality in the XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, the brokerage for XXXX XXXX XXXX returns and refunds is at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX USA no phone number, is part of the return policy. The company does not exist. Summarize : XXXX did not conduct any investigation into this matter. If they did, why wont they provide the proof? BofA is not being honest because they can not provide proof that XXXX investigated, and they refer to XXXX nonexistent investigation as reason to deny the claim. -Someone is running an online scam, and there is no incentive on BofA for XXXX to put a stop to it - it seems that both banks are a part of the scam to XXXX XXXX XXXX XXXX of {$4900.00}.

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