Consumer complaint received 2025-02-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
I have had the same Bank of America Credit Card for over XXXX years. I live in XXXX XXXX. Of late, ( over the past XXXX years ), I only use the card occasionally as a backup. In that time I have always been a customer in good standing. ( No late payments, no penalties, always paid off in full ) In late XXXX I was notified by Bank of America ( BoA ) there was a suspicious transaction on my BoA Credit Card. My family and I were in XXXX at XXXX at the time they notified me. They suspended the Card and requested I contact them to tell me if the charge was a legitimate transaction. The charge was for around {$520.00}. Other than that I had no details about the transaction. I called them back and confirmed that it was not my purchase. At my request they terminated that card and issued me another. 

A month later, BoA contacted me and told me my claim had been denied. What claim? They told me if I disagreed I could file a dispute. So, I filed a dispute. They denied my claim a few weeks later. I filed another dispute. They denied that one a few weeks later as well. I refiled once again with the same result. While this was going on, I learned that the transaction in question was in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX concert tickets in XXXX XXXX after the game. The tickets were purchased through a company named XXXX XXXX. They even had a name of the person they had sent the tickets to. 

BoA once again added the charge back to my Credit Card with penalties and late payment fees. They followed it up with a number of late payment notices. I attempted to go back to their website to contact them directly and resubmit my dispute, but their website would only allow me to arrange payment at that point. I could go no further with my dispute. 

I contacted a local BoA office and explained my situation to them, and the woman I spoke with was certain she could get this matter resolved. She assured me she would contact me in the next week with more information. I heard nothing so I contacted that branch again, and learned she had been terminated. I thought that was strange. I asked to speak with their new XXXX and was told she was not in the office at the present time, so I left my contact information and asked that the XXXX contact me ASAP. I heard nothing for a week, so I went to the office myself and once again learned the XXXX was out. I left my contact info and asked if they could contact me to set up a meeting. Again, no response, until I went in directly and spoke with the XXXX myself. I thoroughly explained the situation and series of events. She ( the new XXXX ) assured me she would get back to me in a few weeks. I have yet to hear back from her. 

Meanwhile, BoA reduced my credit limit to {$700.00} and reported my late payment to the various credit agencies. My Credit Score dropped from the XXXX to the XXXX. I'm at a loss as to what to do next, other than seek legal council. Meanwhile I'm being stonewalled by BoA and my calls to the local office are never returned. 

My credit rating has been negatively affected. Other than seeking out a lawyer for only a $ XXXX amount seems like a losing strategy. However, I have no intension of paying BoA anything, and I feel like they know that much and they're just attempting to bully me into paying the money with all their late fees. I feel abused by a system that really doesn't protect me, the consumer. What are my options?

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