Consumer complaint received 2018-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2018 I had a charge on my Bank of America Checking account, the transaction details are listed below. 

Transaction Date : XX/XX/2018 Merchant Name : XXXX XXXX XXXX Amount : {$1500.00} Transaction type : Debit Card At first I have contacted the merchant, the merchant realized that this transaction was fraudulent and agreed to refund the transaction. The merchant requested me not to dispute the transaction because it will cost them huge fee and can also get the merchant credit card terminal suspend, they assured me the refund should be in my account in a week or two. 

Since the merchant was very responsive so I waited for two week for the return to process. After two weeks the merchant totally stops communicating with me. So I finally filed a fraud claim with my bank. Claim No. XXXX And a police report was also filed. 

Bank of America, denies the claim saying that since the claim was filed two weeks later and with in those weeks there are other small valid transaction in the account. this was the reason they provide me for the denial. 

I have asked Bank of America, by a fax that can they verify some question with the merchant and provide those answer to the police to aid this investigation but I have not heard from Bank of America yet. The Question are as listed below ( I will copy past a paragraph from the fax that I send ) " I have already faxed a copy of the police report and as well as some other documents. 
I would need more information about the transaction to help the police officers find the criminal. And that information also would help identify this transaction as fraud. 

1. What was the transaction for, service or product? 
2. List of items or services purchased? 
3. Does the merchant have any contract or agreement or any signed document or a signed receipt or signed invoice from the purchaser? 
4. How were the goods or serviced delivered? Is there a tracking information or shipping address? 
5. Can the merchant identify the purchaser, Name, Address, emails, ID, phone call record, shipping address, signatures, etc.? 
6. What attempt did the merchant take in order to verify that the purchaser is the card holder? 
7. What billing and shipping address was used for this purchase? 
8. If there was anything that was signed {$1500.00} is a huge amount for any merchant to process without proper verification, and it is a really huge amount for me to lose as a victim of fraud. I kindly request Bank of America to help the Police Department of XXXX County with all those information ASAP so the officer can perform the investigations. 
I also kindly request Bank of America to re investigate this mater asap on the mater. " I believe everything that I have asked the Bank to verify is very reasonable, but Bank of America doesn't want to see or hear anything, they are just sticking to there story and keeps repeating me the same thing over and over again. 

I really need serious help, please some one help me, please help me from this trap, please help me get my money back.

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