Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
On XX/XX/year> I received a notification from Bank of America reporting a possible fraud committed with my credit card. I immediately contacted the bank to verify the information and let them know that it was a fraud. I made a statement mentioning that this transaction could not be possible because at that time the card was with me, which was very confused but Bank of America decided that it would carry out an investigation. A few days later I received a written notification stating that the case was closed because the card had been physically used in the store and could be inserted and read by the machine which made me feel more confused. Trying to find the alert notification that Bank of America sent to try to understand the situation a little more, I found that in my email there was also a notification from the bank that a new credit card would be sent because the one that was currently in my hands was about to expire and this was sent on XX/XX/year> for Bank of America. At that time I went to look at the mail and I did not find this card that was sent. I called Bank of America again to report that I never received this sent card. The agents who were taking my complaints at that time no gave me any guidance from what I can do to protect my self to regarding these cases. I even asked if I should make a report to the police and they mentioned that it was not necessary because the case was already under investigation However, I took information on the Internet because I did not feel supported and comfortable by the bank agents and the amount used was high and they didn't give me a satisfactory answer So I started asking for help to clarify this situation by other resources also filing a complaint at the post office because my mailbox was in perfect condition was not vandalized and it was likely that my correspondence was left somewhere else. I made a report to the police and now I am using this help page because I consider It is a danger not to put a stop to these people who easily steal and that a company as big as Bank of America not looking for the necessary evidence, affecting people who struggle to pay in order to establish credit. I have been a client of this company Bank of America for XXXX years and during this time I never have been very stressed like now because they recently sent me another letter saying that the case was closed. I called them and they really didn't give me any concrete information. The only thing they told me was that I to wait and I had to make the minimum payment so that they wouldn't affect my credit, which made me feel very sad because I consider that I have worked very hard to maintain good credit, making a great effort to pay my debts on time, that is why I ask for your help to clarify this situation. I hope that Please consider helping a good citizen. I believe I deserve proof on these charges and not a letter with assumptions. Thank you for you appreciate time on this matter.

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