Consumer complaint received 2024-11-26 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: NY

Complaint narrative:
Hello, On Tue, XX/XX/XXXX, XXXX I was notified via email by the merchant XXXX  XXXX XXXX that my " tickets were ready. '' They were referring to XXXX XXXX for the XXXX  XXXX at XXXX XXXX XXXX allegedly purchased by me online using my Bank of America Visa  Card. The email contained instructions for downloading the XXXX. I did not do so as they were not legitimately purchased by me nor do I own a XXXX XXXX account. 

On Tue, XX/XX/XXXX, XXXX I was notified by Bank of America XXXX a very suspicious activity had occurred on my Visa card. I had already accessed my account online and saw a charge by XXXX XXXX in the amount of {$4100.00}. I called Bank of Americas XXXX XXXX and confirmed with their representative that in no way had I made that purchase, that someone had used my Visa card fraudulently online. The representative informed me that despite it being denied a first time, the charge was put through a second time. She then informed me they would begin a claim. 

I called XXXX XXXX and s/w their fraud division. They said they would investigate but I received no claim number from them. 

After a second call to Bank of America, I was notified that they would provide provisional credit to my account during their investigation, which they did. From that point forward I received only letters indicating that they were working on my claim. I was never asked for any supporting documentation and I never heard from XXXX XXXX again Today, XX/XX/XXXX, I received notification via email from Bank of America that my fraud claim was complete and that they had ruled against the claim. The {$4100.00} appeared back on my statement as part of my account balance Attached is a transcript of emails from Bank of America alerting me to the " very suspicious '' charge with an excerpt of the charge and initial " fraud dispute '' notation by B of A from my XXXX account statement. Even though XXXX XXXX sells tickets online only, according to Bank of America, the fraud dispute states that this was not an online charge? Also attached is the cover letter of the claim denial and emails from XXXX XXXX re : the so called ticket purchase. 

Bank of America provided forms related to their exchange with XXXX XXXX and XXXX XXXX response as to why they claim the ticket purchase was legitimate. Please advise if you need that information and I will provide it to you My concern is that Bank of America is not providing me with proper protection per lending regulations, and that in no way should I be held liable for services that were not delivered to or used by the rightful party. 

I appreciate you looking into this matter. If you need any additional information, please feel free to contact me at any time. 

Thank you

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