Consumer complaint received 2025-11-11 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: NE

Complaint narrative:
I have a Bank of America visa card. In XXXX, I reviewed my account and noticed significant charges from XXXX XXXX XXXX that I never authorized. These amounts were {$2800.00} posted on XX/XX/XXXX and {$2400.00} posted on XX/XX/XXXX. I had just opened an account with XXXX XXXX XXXX in XXXX, by transferring service from XXXX, but I called XXXX XXXX XXXX and they said my account was paid in full and my last bill was at that time was {$76.00} ( from XXXX ) with no balance due on my account. They had no charge for me in the amounts listed on my credit card, so in XXXX, I initially filed a claims dispute with Bank of America. I provided them with my XXXX XXXX XXXX bills and statements detailing the account and phone numbers under my name. On XX/XX/XXXX, I received a statement from Bank of America stating that they received documentation from XXXX XXXX XXXX regarding the {$2800.00} with my account number stating that I purchased and signed for the items listed on the dispute paperwork - for only the {$2800.00} - and therefore they denied my claims for the {$2800.00} and the {$2400.00}. They have never provided documentation for the {$2400.00}, they just send me duplicates of the XXXX XXXX XXXX bill for the {$2800.00}. 

When I received the XXXX & XXXX XXXX and reviewed it, I immediately called the company and filed a FRAUD complaint. My fraud complaint number with them is # XXXX. The paperwork THEY provided states that my credit card number was stolen by a " XXXX XXXX ''. His name is listed on the documents as " XXXX XXXX ''. HE IS NOT NOR HAS HE EVER BEEN a cardholder on my account. I do not know this person. His phone number is listed as XXXX, email as XXXX and it states he's been a customer with XXXX & XXXX since XX/XX/XXXX. His home address is listed as " XXXX XXXX XXXX, XXXX, XXXX XXXX. This in not my home address listed with the credit company. They phone numbers and products purchased by XXXX XXXX were done fraudulently and are not in my possesion.The company has never provided any documentation for the XXXX XXXX XXXX charges of {$2400.00}, but based on the information contained in the other documents, we can be sure they were purchased fraudulently and the names and numbers do not match mine. I have also faxed Bank of America by XXXX XXXX XXXX account and billing documentation showing that the numbers of XXXX XXXX do not match those made on my account. 

On XX/XX/XXXX, I also called the XXXX Nebraska Police Department and filed a police report for theft and fraud against XXXX XXXX. The XXXX XXXX XXXX documents were provided to the police. XXXX XXXX came to my home and took all the information and the police report for this is XXXX XXXX. His phone number is XXXX. I was last informed the detectives are working on it. 

The Bank of America and XXXX XXXX XXXX documentation also states that XXXX XXXX first initiated these purchases on my account in XXXX. So I reviewed my credit card statements from XXXX and found the initial charges he made on XX/XX/XXXX with AT & XXXX Home for {$160.00} and XX/XX/XXXX with XXXX XXXX XXXX  Home for {$140.00} XXXX I called Bank of America back and filed these additional purchases as fraud against my account. The total amount fraudulently made against my account is {$5500.00}. 

Needless to say, Bank of America hasn't even reviewed the paperwork from XXXX XXXX XXXX in their possession with " XXXX XXXX '' fraudulently all over the paperwork illegally using my credit card number. They have repeatedly denied my claims dispute and fraud disputes. 

Please hold them accountable when they have the evidence in their possession and refuse to do their job.

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