Consumer complaint received 2026-05-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX department about suspicious activity on my account. When the representative asked me to give him my card number, I realize that I had some credit cards missing from my wallet. During the month of XXXX and XXXX I had work being done on my home and men were coming in and out of my house to do the work. So I do not know when my cards were missing. Over 30 years I have been a loyal customer with Bank of America. Bank of America should have contacted me that there was suspicious activity on my account then the thief would not have been able to shop with my card the way they did. Because I am homebound and most of the things that I do is ordered online through XXXX, XXXXXXXX XXXX XXXX XXXX and XXXX XXXX XXXX so it's not necessary for me to use the physical cards. After getting off the phone with the representative I called Bank of America and reported my card stolen. Then in XXXX I got a letter that denied my claim stating that the purchases were done in stores that I've shopped at previously. I have never shopped at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX also there was XXXX cell phone stores where my card was used in one month XXXX, XXXX and XXXX XXXX. I have not used XXXX since XXXX when I switch to XXXX. I am XXXX XXXX XXXX and I do not even drive anymore. I buy gas for my daughter who drives me to my doctor 's appointments, so I do not mind paying for any of the gas charges. Since I don't know which ones are mine or the thief. I did not give my card to anyone or give anyone permission to use my card for any reason. I DO NOT KNOW WHY I HAVE TO PAY FOR A THIEF THAT USED MY CARD WITHOUT PERMISSION. Especially because I reported it to Bank of America that my card was stolen. Bank of America knows my shopping patterns. I should have been notified by the fraud department at Bank of America before this thief was able to do all these transactions. This thief purchased over {$8000.00} worth of stuff on my account. I do not mind paying for the stores that I have shopped at before, but it does not make sense for me to pay for stuff that clearly a thief bought. Also I pay my bills in full every month. Bank of America is trying to make me pay twice. they gave me a credit with my money because I paid the bill for XX/XX/XXXX to XX/XX/XXXX in full with a XXXX balance. I pay my bill every month and have a XXXX balance. However once they gave me the credit they took the credit back and trying to charge me again for the month of XXXX that was put on the claim. Third thing is I have been requesting for last 2 months statements for the last 6 months for my account from Bank of America. I even sent them a certified letter and still have not received my statements that I requested.

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