Consumer complaint received 2024-07-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
After almost a year of going back and fourth with Bank of America it is unfortunate I have yet to be properly assisted. When filing my complaint I explained in great detail how {$28000.00} of Edd funds and my bank card was used without my consent and how Bank of America failed to update my address after informing them of the change for months. After showing again proof of the wrong address, submitting two police reports, and re opening my claim Im still left with no logical answer. I last was assisted by XXXX XXXX a resolution specialist or regulatory complaints and was extremely disappointed when he closed my case after sending the same exact redundant documents thats been sent to me numerous times and were the reason I escalated this matter further. Ive asked for proof of my authorization something with a signature something with my correct addres and have only received a transaction list. I again did not consent to any of these charges nor did I allow anyone else too. I also did not reside in the address listed at that time which Ive also explained. I was also sent a document stating my claim was denied because multiple factors indicate the transactions were authorized by me. I would like to receive proof of the multiple factors other than transactions that do not prove nor provide proof of my authorization nor the identity of the person who made these charges. This ordeal has affected my business greatly and Im starting to feel as though me being XXXX plays a part in the lack of assistance from Bank of America. There is no logical way to print out a sheet of trasanctions and link them to me without any other proof and I would not be fighting this hard for something that was within my control. I do feel Ive been fairly treated, over looked, and racially profiled seeing as Bank Of American can not provide proof other than a transaction sheet to properly deny my claim. Ive also been given multiple other excuses such as I was denied for using the card after making a claim. This is false I was sent a new card and used the new card plus {$9.00} or so that was credited to me. I was also told my claim was denied because the address the card was sent to was my correct address on file. False the original card was sent to a XXXX location I live in XXXX and the newer cards were sent to XXXX  however the card with the disputed trsanctions were not sent to my XXXX  address on file. I would hate to have to continue opening this case, going public with this mistreatment, or to seek legal council. Ive spoken with many supervisors and customer service members at Bank of America that were just as confused about my denials as I. Everything I was told to submit I was able to. Bank of America unfortunately have no support proof or documents other than the same trasaction sheet which is redundant seen clearly the whole purpose of this is me disputing 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