Consumer complaint received 2024-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear XXXX XXXX and members of the Executive Department, I am writing to address the unresolved matter concerning the unauthorized duplication and use of my card, as detailed in our initial report. Despite the identification of the illegitimate transaction at a specific location on the same day, the associated charges have not been rectified in my account. The prolonged handling of this issue, characterized by successive transfers and inadequate information from various representatives, has been disheartening. Compounded by my recent major XXXX, which renders me unable to address this matter via telephone, this situation has been particularly frustrating. 

It is imperative that the aforementioned charges be promptly credited back to my account by the close of today. Failure to resolve this issue will necessitate submitting a formal complaint to relevant government agencies due to the mishandling and prolonged negligence in managing this matter, which constitutes a violation of regulations and standards. I firmly request the Executive Department 's immediate attention to rectify this matter without further delay. 




From : Enterprise Resolution XXXX Sent : Wednesday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX Subject : Response to Your Inquiry Bank of America This is a secure message from Bank of America XXXX 
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From : Enterprise Resolution XXXX Sent : Thursday, XX/XX/XXXX XXXXXXXX XXXX To : XXXX XXXX Subject : Acknowledgement of Your Inquiry XXXX XXXX XXXX XXXX : Case Reference XXXX Thank you for contacting Regulatory Complaints of Bank of America XXXX As your Resolution Specialist I welcome the opportunity to address your concerns. 



Please contact me at the below telephone number at your earliest convenience to confirm that you are the party who engaged the Consumer Financial Protection Bureau ( CFPB ). My days and hours of operation are Monday-Friday XXXXXXXX XXXX to XXXX XXXX  EST. 



Please note that well be providing our response to your concerns in writing via secured email or standard mail. Please follow instructions in that email to access our response. If you need additional assistance, please contact me at XXXX and I or one of my colleagues will return your call within 48 hours. 



I look forward to the opportunity to serve you and appreciate you taking the time to bring this matter to our attention. 

Please note that this email address is not actively monitored and should not be used for replies. Do not send any sensitive information such as account numbers or Social Security numbers. 



XXXX XXXX. 

XXXX XXXX XXXX XXXX Bank of America XXXX Email Preferences : This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. 

Bank of America N.A. Member FDIC XXXX Bank of America XXXX. All rights reserved. 





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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