Consumer complaint received 2025-09-02 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 request your assistance regarding a series of unauthorized charges posted to my account by a merchant listed as XXXX XXXX, and Bank of Americas failure to appropriately process and resolve my dispute in accordance with federal consumer protection laws. 

On XX/XX/XXXX, I placed an order with the merchant XXXX for a purse, for which I authorized a single charge of XXXX. However, that same day, I discovered XXXX unauthorized charges from the same merchant for XXXX and XXXX and notably, the authorized charge of XXXX was never processed. 
I immediately contacted the merchant via email, and they acknowledged the error, promising to issue a refund. Instead, on XX/XX/XXXX, an additional unauthorized charge of XXXX from the same merchant posted to my account. I did not authorize any of these XXXX charges, and I have not received any merchandise in return. 

Timeline of BofA Mishandling : On XX/XX/XXXX, I contacted Bank of America to report the issue. The representative I spoke to advised me to file the matter as a fraud claim, which I promptly did. 

After XXXX months on XX/XX/XXXX, I received a notice that the claim had been denied, with the explanation that the transactions were not considered fraud. 

On XX/XX/XXXX I then called Bank of America again. The representative XXXX I spoke with at that time acknowledged that the original employee had misadvised me, and that the claims should have been filed as billing disputes, not as fraud. 

On XX/XX/XXXX This representative resubmitted the claims properly as billing disputes and noted that we were now outside of the XXXX time frameonly because of the banks error in categorizing the claim. 

On XX/XX/XXXX I was denied again for the billing disputes because Bank of America said it was outside of the time limit the only reason that I am outside of the time limit is due to the failure of Bank of America to handle the case properly from the beginning of my submission. 

Importantly, the delay and misclassification were entirely caused by Bank of America, and I acted in good faith and within the proper time frame. 

Disputed Transactions : XX/XX/XXXX XXXX unauthorized XX/XX/XXXX XXXX unauthorized XX/XX/XXXX XXXX unauthorized Total unauthorized charges : XXXX Authorized transaction : XXXX never processed Merchandise received : None Reasons for Dispute : XXXX. Invalid Merchant Website : The merchants website is inactive or nonexistent, preventing any meaningful contact or verification of legitimacy. 
XXXX Business Identity : XXXX XXXX appears XXXX be a fictitious or untraceable entity. No valid registration or contact details can be located. 
XXXX Product Category : The business, based on available information, appears to be an XXXX XXXX XXXX  -unrelated to the purse I attempted to purchase - suggesting potential misrepresentation or fraud. 
XXXX XXXX XXXX : The repeated charges of different amounts for a single item, over several days, point to highly irregular and unauthorized activity. 
XXXXBank Error Resulted in Denied Claims : I acted promptly in reporting the issue, but Bank of America mishandled the claims process by filing under the wrong category. The claims were only denied after XXXX months, and solely because of their internal error and delay - not due to any failure on my part. 
Request for Regulatory Review : Bank of America 's failure to properly process my dispute under Regulation E and the Electronic Fund Transfer Act EFTA The impact of the banks internal misclassification and delays on my ability to obtain a timely resolution I am seeking a full and fair resolution to recover the funds that were withdrawn from my account without authorization and due to errors not of my making.

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