Consumer complaint received 2026-01-09 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: FL

Complaint narrative:
Dear Sir or Madam, On XX/XX/XXXX, Bank of America denied my fraud claim # XXXX in the amount of {$2700.00}, which was opened on XX/XX/XXXX. The stated reason for the denial was that the chip was used, the PIN was entered, and/or the cardholder signed for the merchandise or service. 

I did not make or authorise any of the disputed transactions, and I have no knowledge of how my card information was compromised. This was a new credit card, which I received in early XX/XX/XXXX and began using on XX/XX/XXXX. I used the physical card with the chip only three times : at XXXX XXXX XXXX and XXXX XXXX ( airport kiosks for checked baggage ), and once at a gas station in New Jersey. For all other transactions, I consistently used XXXX XXXX or made online payments. I never share my credit cards or credit card information with anyone, and I live alone. 

I filed a police report on XX/XX/XXXX with the XXXX, FL Police Department ( Report # XXXX ). 

I faxed Bank of America extensive supporting documentation proving that I could not have been physically present when the fraudulent transactions began, as I was traveling for XXXX  in New York and New Jersey ( XXXX XXXX XXXX XXXX XXXX ). I provided my work schedule ( including booked product demonstrations ), flight bookings, rental car agreement, and receipts dated XX/XX/XXXX, the same day the fraudulent transactions started. 

The following day ( XX/XX/XXXX ), while I was at home in XXXX, FL, I used the same credit card at my local pharmacy in XXXX XXXX, FL and XXXX in XXXX, FL. Additional fraudulent transactions occurred that same day in XXXX XXXX, FL. A Bank of America customer service representative suggested that I could have traveled back and forth to XXXX ; however, the legitimate transaction in XXXX XXXX occurred between two fraudulent transactions in XXXX XXXX. 

I requested that Bank of America provide the exact transaction times for the disputed charges so that I could demonstrate that I was in XXXX when they occurred. To date, I have not received this information. Bank statements only display the transaction dates, not the times. 

The fraudulent transactions were all for very similar amounts and occurred at XXXX and Target locations across multiple cities in Florida, including XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX : XXXX {$99.00} at Target ( across XXXX different stores over 2 days ) XXXX {$99.00} at XXXX ( 4 different stores ) XXXX {$99.00} at XXXX ( XXXX different stores over 2 days ) XXXX {$99.00} at XXXX XXXX x {$99.00} at XXXX XXXX {$99.00} at XXXX ( 2 different stores ) XXXX {$98.00} at XXXX XXXX {$91.00} at XXXX XXXX x {$81.00} at XXXX Despite this clear pattern of repetitive, near-identical transaction amounts across numerous locations, Bank of America does not consider this activity to be abnormal purchasing behavior. 

I have been a Bank of America customer for over 10 years and have never experienced an issue like this. The only previous fraud claim I filed was in XXXX, when my wallet was stolen, and that claim was approved. 

I respectfully request the CFPBs assistance in this matter. This situation has been extremely frustrating and financially stressful. I do not have significant financial resources, and Bank of America has been largely uncooperative. It is nearly impossible to speak with a representative who is knowledgeable about my claim. 

Thank you for your time and consideration. I would be happy to provide the complete file of documentation that I submitted to Bank of America. 

Yours faithfully, XXXX XXXX XXXX XXXX XXXX

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