Consumer complaint received 2025-08-29 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: CT

Complaint narrative:
I am the victim of credit card fraud and identity theft. Fraudulent charges were made on my Bank of America credit card in XXXX and XXXX for XXXX tickets. I never authorized these transactions, Despite providing extensive documentation, Bank of America has repeatedly denied my claims. 

Details : - In XXXX and again in XXXX, charges appeared on my Bank of America credit card for tickets purchased through XXXX. 

- I did not authorize these purchases and did not benefit from them. 

- I submitted an FTC Identity Theft Report, a police report, and written statements confirming I never booked or used XXXX. 

- The only international travel I made was in XX/XX/XXXX to XXXX, on XXXX. I did not travel on XXXX at any time. 
This is exactly what identity theft means : criminals use your name, personal information, and even open accounts or travel under your identity. I have already provided documentation that a XXXX XXXX  credit card account was fraudulently opened in my name further proof that I am a victim of identity theft. 

Bank of Americas Denial : - Bank of Americas fraud department claims the transactions are valid because their records show I previously used the same merchant in XXXX and did not dispute it at the time. 

- When this was brought to my attention by a supervisor, I reviewed the XXXX XXXX charge and confirmed that it was also fraudulent. I added this XXXX charge to my dispute. 

- Despite this clarification, Bank of America rejected my claim again, without addressing the fact that I have never had any legitimate transaction with XXXX. 

- The fact that the XXXX ticket shows my name does not prove authorization. If anything, it shows a clear case of identity theft. 

XXXX Bank of Americas logic is equivalent to saying : Because the fraudster put your name on the purchase, it must be legitimate. That completely misunderstands the definition of identity theft. 


Why Their Reasoning is Flawed : Bank of Americas position is that because there was a prior charge with the same merchant name, subsequent charges must be valid. 

This logic is unreasonable and contrary to consumer protection laws. By that standard, if I shop at XXXX once, and later a fraudster uses my card at XXXX, the bank could claim I am responsible for those fraudulent charges. This is not how fraud protection works. 

Fraudsters often mimic merchants a consumer has used before in order to bypass fraud detection systems. That does not mean the cardholder authorized the transactions. 

Violation of Consumer Protections : Under the Fair Credit Billing Act ( FCBA ), consumers are not liable for unauthorized charges. The burden is on the bank to prove I authorized the transactions. 

Bank of America has failed to conduct a reasonable investigation, instead relying on a flawed assumption that ignores the evidence I provided. 

Requested Resolution : - Full reversal of all fraudulent XXXX charges in both XXXX and XXXX. 

- Removal of any associated negative information from my credit reports. 

- Written acknowledgment from Bank of America that these charges were fraudulent and that my liability is {$0.00} under federal law.

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