Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to formally dispute a charge of {$1800.00} from XXXX that was improperly authorized and processed by Bank of America on XX/XX/year>. This transaction was allowed despite the fact that the associated card had been officially closed on XX/XX/XXXX, XXXX days before the charge was processed. 
I initially attempted to dispute this claim online the very next day, on XX/XX/year>. However, Bank of America denied the dispute, claiming I had authorized the charge. I want to make it explicitly clear : I did not authorize this charge, and I have repeatedly requested that Bank of America provide documentation proving otherwise. To date, no such proof has been provided. 
Even more concerning, a representative I spoke with today around XXXX  Pacific Time stated that my dispute was denied due to a supposed lack of urgency. This is both inaccurate and insulting. 
I filed the dispute within 24 hours of the charge appearing and may have logged in multiple times on XX/XX/XXXX while attempting to understand or resolve the issuepossibly regarding unrelated banking matters. It is unreasonable and unacceptable to deny a legitimate dispute based on such a rationale. 
Additionally, I never received any transaction alert for this chargeeven though my account is configured to notify me of any transaction over {$100.00} ( and certainly should have notified me of a $ XXXX charge ). This absence of notification further highlights the breakdown in Bank of Americas internal safeguards. 
BANK Of AMRICA CLAIM ID : XXXX ; ACCT # XXXX The amount XXXX charged is not only unauthorized but also grossly inflated and inaccurate. 
Originally, a {$370.00} hold was placed for a one-week rental. That authorization expired and was never converted into a charge. XXXX repeatedly reissued holds, leading me to believe the issue had been resolved. Instead, they submitted an outrageous and fabricated bill that included improper late fees, towing charges, and other false claims. 
Bank of Americas decision to process a charge from a closed cardwith no valid authorizationgoes against basic banking protocols and raises serious ethical and legal concerns. 
To date, this disputed charge has remained unresolved for over 74 days, during which time my funds have been unfairly withheld, impacting my ability to access my own money and manage my financial obligations. 
I am requesting the following actions be taken immediately : XXXX. XXXX. XXXX. XXXX. XXXX. A full and immediate reversal of the {$1800.00} charge from XXXX A written apology acknowledging this error Removal of any penalties, interest, or negative account activity related to this charge Compensation for the ~ {$400.00} in financial harm caused by this delay and denial Written confirmation that this matter has been fully resolved and closed Unless Bank of America can provide signed, documented proof that I authorized this specific charge for {$1800.00} after my card number was closed, I demand that it be removed from my account without further delay. 
This matter is urgent, and I expect a pro

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