Consumer complaint received 2025-10-01 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: OR

Complaint narrative:
On XX/XX/year> I was in the XXXX, XXXX airport at a store called XXXX. While at the store XXXX, I purchased {$200.00} worth of beauty supplies and signed the credit card slip for this amount. As I was waiting to get my card and merchandise, I was sitting in a chair in the store. At that time, the man came up to me and told me my bank had not approved the charge. And I needed to find the notification and approve the charge. I became very suspicious and promptly asked for my card and merchandise so i could leave. The man practically grabbed my phone out of my hand trying to find the notification and force me to approve the charge. Bank of america indeed sent me an email of suspicious activity on my card while in the store XXXX. I did not approve the suspicious charge on my card and bank of america shut off my card. Bank of america followed their own protocol because of, suspicious activity, that I did not approve of, on my credit card and my card was shut off. Bank of America shut off my card while I was still in the XXXX, XXXX airport due to this fraudulent charge. The company XXXX does not physically exist in the XXXX, XXXX airport. I did not purchase anything or approve a purchase from a company named XXXX. I was physically not in a store named XXXX. As soon as I landed in XXXX XXXX, I accessed my bank of america app and saw the pending charge to XXXX in the amount of {$4600.00}. I immediately went into the bank of america in XXXX XXXX. Started a fraud claim, had my credit card shredded, and a new one issued on XX/XX/year>. I have been a clear victim of a scam and fraud. You can easily do a XXXX search and see that the " company '' " XXXX '' is a fraudulent scam and has a public record. Bank of America has failed to protect me as a consumer against card reading devices along with bait and switch scams. XXXX clearly had some sort of scam card reading device and was able to pull a bait and switch on me while I was in the store. Bait and switches common.When they run your card for an approved amount, in this case {$200.00} dollars. While in possession of your card, they run it on a separate device for a completely different amount, in this case {$4600.00} to XXXX. 
I have filed multiple fraud claims with bank of america. All of them have been denied saying I approved this charge when in fact bank of america shut off my card because I did not approve this charge. I filed a police report with my local police department for identity theft over this matter. I've sent multiple faxes with information, explaining what happened to bank of america and they have denied it, saying they did not receive the information requested to process the claim. When, in fact, I have a tracking number that it was delivered.

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