Consumer complaint received 2024-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/24 ( issue occured0 I am writing to bring to your attention an issue I have encountered with my account at Bank of America. On XX/XX/XXXX, I visited a gas station and experienced an error with my card transaction. The card was temporarily locked in the machine, and despite waiting for a few minutes, the error persisted. Consequently, I decided to leave without completing the transaction. 

To my surprise, on Friday, XX/XX/XXXX, I received a call from a representative of Bank of America informing me that there were flags on my card. The representative proceeded to inform me that my card was being closed due to suspicious activity, and a new one would be issued. At no point during this conversation did I provide my PIN or authorize any transactions. 

I must emphasize that I have not shared my PIN with anyone, nor have I authorized any individual to access my personal banking information. Therefore, I am deeply concerned about the discrepancy between the bank 's claims and my own account of the events.

Furthermore, I was taken aback when I was informed that my card had allegedly been added to XXXX XXXX. This assertion is perplexing as I am an XXXX  user and have never utilized XXXX XXXX. 

I am willing to provide any documentation or information necessary to support my case, including records of my transactions and the call received from Bank of America. It is essential to me that this matter be resolved promptly and accurately to ensure the security of my account and restore my confidence in Bank of America 's services.

I kindly request a thorough investigation into this matter and a clear explanation of the discrepancies identified by the bank. Additionally, I urge you to take the necessary steps to safeguard my account against any unauthorized access or fraudulent activity.
an amount totaling {$800.00} was deducted from my account without my authorization.

I want to emphasize that I have been in possession of my card at all times, and I have not disclosed my PIN to anyone. Furthermore, the transactions in question took place in XXXX XXXX, which is nearly XXXX minutes away from my workplace in XXXX. As I have consistently been at my workplace during the times these transactions occurred, it is impossible for me to have been physically present at the locations where these charges were made. 
During my communication with a Bank of America representative, I provided this information and explained the geographical discrepancy between the location of the transactions and my place of employment. Despite presenting evidence such as my work schedule and proof of address, I was informed that the transactions were still considered to have been made by me. This response is deeply concerning and fails to address the clear evidence indicating that these transactions were unauthorized.

I am committed to resolving this matter and seeking reimbursement for the unauthorized charges made to my account. I am prepared to provide any additional documentation or information necessary to support my case, including records of my work schedule and proof of my residential address.

I work tirelessly to earn and manage my funds, and it is disheartening to see them disappear due to unauthorized access to my account. I am appalled by the lack of support and understanding from Bank of America, especially considering my long-standing loyalty as a customer.

Please feel free to contact me at your earliest convenience to discuss this matter further.

Thank you for your attention to this issue. I look forward to your prompt response and resolution of this matter. 

Sincerely, [ 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