Consumer complaint received 2024-12-13 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: IL

Complaint narrative:
Bank of America has denied a billing dispute claim unfairly. I was unlawfully scammed and charged an amount of {$3000.00} on my credit card by XXXX criminals posing as a charity, when I only consented to donate XXXX XXXX Here is what occurred : On Friday XX/XX/XXXX, I was approached on XXXX XXXX by XXXX men with lanyards and a pamphlet who claimed they were raising money for their young son who was shot and killed. I agreed to donate {$5.00} to their cause, and they pulled out an XXXX that had an attachment used for tap to pay. I saw the man type {$5.00} onto the app they were using, and I verbally confirmed with him that I was consenting to an amount of {$5.00}. Then, the man took my credit card out of my hand and tapped it onto the tap-to-pay attachment. I walked away after under the impression that I was charged for the {$5.00} I consented to. About XXXX minutes later, I checked by BofA mobile banking app to confirm that the correct amount was charged to my credit card. Instead of {$5.00}, I saw a charge for {$3000.00} from the merchant ( merchant name showed as XXXX XXXX XXXX IL ) . I immediately called the BofA fraud line to report this because I realized I was the victim of a fraudulent charge. The representative I spoke to said that there was nothing I could do about this until the charge officially posted to my account and was no longer pending ( even though I called only XXXX minutes after this charge took place ). I then proceeded to call the University XXXX XXXX Police Department ( because I am a student there, and this crime occurred near campus property ) and filed a claim with them. After that, I made a police report with the XXXX Police Department ( Report # : XXXX ). I am uploading a copy of the XXXX Police Report to this claim, as well as the voicemail transcript from the University XXXX XXXX XXXX on XX/XX/XXXX informing me that they caught the criminals who charged me unlawfully. This incident has been filed under incidents concerning Deceptive PracticeFraud or Confidence Game in the XXXX XXXX system. 
Once the charge was no longer pending on my account ( on Monday XX/XX/XXXX ), I called the BofA Fraud Claims number again to officially file a fraud claim. I explained this exact situation to the representative, and she started a fraud claim for me. This claim was later rejected on XX/XX/XXXX. I called the BofA Fraud Claims number back on XX/XX/XXXX to understand why the claim was rejected, and the representative I spoke to informed me that I was mistakenly told to file a fraud claim, and that because I did consent to pay this charity {$5.00}, I needed to file a billings claim rather than a fraud claim. Therefore, I then filed a billings claim for this issue. 

I uploaded all the relevant documents including a police report and a detailed letter explaining the scenario, however my claim was denied again on XX/XX/XXXX. They claimed that because I could not provide them with receipts of the transaction that they could not approve my claim. However, it is unfair that I must provide a receipt because the criminals never gave me a receipt. I should be protected from fraud when using my credit card, and Bank of America is unfairly denying my claims. 

To reiterate, I never consented to pay the amount of {$3000.00}. I only consented to the amount of {$5.00}, and there is a police report of this incident filed with the XXXX Police Department.

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