Consumer complaint received 2025-08-02 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: TX

Complaint narrative:
Formal complaint that was sent to BOA ( BANK OF AMERICA ) formally via faxed. 

XXXX XXXX. : XXXX : Formal Statement for Inclusion in Case Report Merchant Fraud & Privacy Violation Incident Date : XX/XX/XXXX ( Merchant Caught Red-Handed ) To Whom It XXXX Concern, This is my formal written statement and request for inclusion in the official report for Case No. XXXX. This matter concerns suspected merchant fraud, unauthorized access to my financial data, and a privacy violation that occurred at XXXX XXXX XXXX in XXXX, Texas. 

Details of the Most Recent Incident ( XX/XX/XXXX ) : While making a routine purchase at XXXX XXXX XXXX using my Bank of America debit card, I entered my PIN as normal. The cashier then announced aloud the exact balance in my checking account XXXX XXXX any prompt or permission. This was not an XXXX card or any other benefits card that would disclose that information publicly. 

The receipt printed from the transaction : Showed multiple and unusual transaction codes Was marked VOIDED, yet my account was still charged These anomalies raised immediate concern and matched an ongoing pattern of financial irregularities tied to this business. 

When I confronted the cashier about how he knew my personal account balance, he refused to answer and acted evasively. Given the previous unauthorized activity on my account totaling {$2300.00}, I have strong reason to believe this merchant XXXX be compromising or selling customers debit card and PIN information. 

Prior Complaint to Bank of America ( for Reference ) : Below is the last formal complaint I submitted to Bank of America on XX/XX/XXXX, via fax : To Whom It May Concern, I am writing to formally request a reconsideration of my dispute regarding unauthorized transactions totaling {$2300.00}, which was not handled fairly during my initial claim on XX/XX/XXXX. 

At the time of the dispute, I informed the representative that I could not locate my debit card and believed it had been stolen. However, I was never asked where the card was during the time of the transactions. Instead, the representative questioned where I usually keep my card. 

The dispute was later denied under the false assumption that I gave permission for someone to use my debit card. This is completely untrue. I explicitly stated the transactions were unauthorized and fraudulent. This mischaracterization led to an unfair denial. 
I am formally requesting that Bank of America reopen my dispute and conduct a thorough investigation and they constantly denied it and took 47 days to investigate instead of 30 days without no credit while investigation. I spoke with an alleged supervisor name XXXX due to the rep I spoke with on : XX/XX/XXXX was rude and stated that it was my fault that had late charges even though I reported fraud and never receive an new credit card/my credit cards were reported stolen. When I called to followup with XXXX XXXX sup. ) there was no records nor notes on my file that I had even spoken with this alleged supervisor and was told that they didn't have anyone in their depart by that name. Which was very weird. When I went to the local branch XXXX XXXX XXXX, Tx ) there was supervisor named XXXX very suspicious. 

I expect a timely resolution, as my rights under the Electronic Fund Transfer Act ( EFTA ) protect me against unauthorized transactions.

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