Consumer complaint received 2025-08-15 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: CA

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX, CA XXXX : ( XXXX ) XXXX : XXXX Financial Institution : Bank of AmericaProduct : Credit CardIssue : Unauthorized transactionsSub-Issue : I was charged for something I didn't authorize Complaint Text : I am submitting a complaint against Bank of America regarding multiple unauthorized credit card chargesmade by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Nevada. 
In XX/XX/XXXX, I noticed two fraudulent charges and disputed them immediately. After a 45-day investigation, Bank of America confirmed that the transactions were unauthorized the merchant submitted a card-not-present charge with no cardholder signature, and the charges were removed. 
This incident led me to examine older credit card statements, and I found numerous additional unauthorized charges from the same merchant dating back through XXXX and into XXXX. I submitted a detailed written dispute to Bank of America on [ insert date ], explaining that : I did not authorize these transactions. 
The merchant submitted a paid casino marker as proof of the charge. 
Under Nevada Revised Statute ( NRS ) 463.361, it is illegal to use a credit card to pay off a casino marker. 
Despite the clear legal violations and fraudulent nature of these charges, Bank of America has not responded to my formal written dispute. I have received no acknowledgment, update, or resolution. 
I am also XXXX XXXX XXXX, and this situation falls under elder financial abuse as defined by California Welfare and Institutions Code 15610.30, which prohibits the wrongful or fraudulent taking of an elders financial assets. 
To formally document the fraud, I also filed a police report with the XXXX Police Department, my local law enforcement agency. This is not a routine billing issue this is a pattern of unauthorized, potentially criminal activity, involving a casino improperly charging a credit card for gambling markers, in violation of state law and card processing rules. 

Requested Resolution : Immediate reversal of all unauthorized charges from XXXX XXXX XXXX XXXX XXXX. 
Full investigation into the illegal use of credit cards to pay off casino markers. 
Explanation for Bank of America 's lack of response and failure to protect a senior cardholder. 
Escalation of the case to Bank of Americas compliance and legal department.

Recognition and appropriate handling of this as a potential case of elder financial abuse. 

What to Do Now Go to : https : //www.consumerfinance.gov/complaint/ 1 Select : Product : Credit card Issue : Unauthorized transactions Sub-issue : I was charged for something I didnt authorize 2 Fill in your contact details 3 Copy and paste the complaint text above into the What happened section 4 Upload any of the following, if available : A copy of your dispute letter to Bank of America The police report or case number Screenshots or statements showing the unauthorized transactions Any casino marker documentation 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 explanation