Consumer complaint received 2025-11-19 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: NJ

Complaint narrative:
{$56000.00} in fraud occurred on my Bank of America ( BOA ) XXXX  XXXX card during the XXXX XXXX cycle. Most charges were recognized as fraud, but {$3500.00} was left assigned to me, even though the evidence shows these charges are also fraudulent and no documentation was provided by BOA proving otherwise. Fees and interest are being added to this unresolved amount. 

Key Numbers : Fraud total : {$56000.00} XXXX Charges incorrectly assigned to me : {$3500.00} Related fees and interest to date : {$29.00} + {$130.00} = {$160.00} Total needing correction now : {$3600.00}, plus reversal of any additional fees/interest that accrue. 

I have communicated by phone ( many times ), mail and fax with the BOA Fraud department to no avail. There is no evidence of my letters sent via certified mail in their files, according to the people who talk to me over the phone. They now have their collection agency calling me because I missed XXXX payment of fees and interest. 

The XXXX fraudulent charges totaling {$3500.00} are : XXXXXXXX XXXX XXXX, {$170.00} XXXX Passenger Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, {$12.00}, XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charges were made by this person and XXXX were acknowledged as fraud by Bank of America but this charge and the one below, I am being told I must pay XXXXXXXX XXXX XXXX XXXX XXXXXXXX, {$12.00}, Passenger Name : XXXX XXXX XXXX XXXX XXXXXXXX Alaska XXXX XXXX XXXX, {$12.00}, Passenger Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charges were made by this XXXX and XXXX was already acknowledged as fraud by Bank of America XXXX XXXX XXXX XXXX, {$2.00} XXXX XXXX ; this amount was credited to my account by the merchant so this charge was noted as fraud and had been paid but BOA says I must pay it XXXX XXXX XXXX XXXX XXXXXXXX XXXX, {$12.00}, Passenger Name : XXXX XXXX XXXX XXXX XXXX ; this amount was credited to my account by the merchant so this charge is already paid but BOA says I must pay it too XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$12.00} XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charges made by XXXX XXXX over 2 days ( XX/XX/XXXX and XX/XX/XXXX ) and XXXX of these were already acknowledged as fraud by BOA XXXXXXXX XXXX XXXX XXXXXXXX XXXX, {$12.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX charges were made by XXXX and XXXX of these was acknowledged as fraud but they say I'm responsible for this charge XXXXXXXX XXXX XXXX XXXX XXXX, {$12.00} XXXX Passenger Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$12.00}, Passenger Name XXXX XXXX XXXX Charged on flight XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, {$300.00}, Passenger Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$610.00}, Passenger Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  charges made by XXXX XXXX XXXX and XXXX of these was acknowledged as fraud but not this XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, {$610.00}, Passenger Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX {$720.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, {$12.00}, Passenger Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, {$12.00} XXXX Passenger Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, {$960.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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