Consumer complaint received 2025-02-26 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:
I have submitted multiple claims to Bank of America regarding unauthorized transactions, and their responses are simply unacceptable. Each time, I am told that their investigation concludes I either made the transactions or authorized someone to do so. This is accompanied by a printout of all transactions on my account. 

However, the transaction list clearly demonstrates numerous instances where the card was used for multiple charges with only XXXX second between them. Moreover, these transactions occur at locations that are at least XXXX minutes apart ( XXXX miles ). It is entirely impossible for anyone to travel XXXX miles and make a transaction in just XXXX second. I demand a thorough and fair reassessment of my claims. I am attaching list of transactions sent to me by Bank of America, I have highlighted the transactions in question and want them to investigate the transactions as a new claim separate from the existing claims XXXX and XXXX. Even though the transactions are apart of the above mentioned claims Bank of America did not catch these clear indications of the account being compromised. I have been reaching out online for anybody who has had this kind of problem with Bank of America and the response is overwhelming. This has really happened to a lot of people. I expect nothing less than another drawn out response that ends in a denial. i can only hope that maybe this complaint will actually come across the eyes of somebody who can help the many I have submitted multiple claims to Bank of America regarding unauthorized transactions, and their responses are wholly unacceptable. Each time, I am told that their investigation concludes I either made the transactions or authorized someone to do so, accompanied by a printout of all transactions on my account. 

The transaction list clearly indicates numerous instances where the card was used for multiple charges with only XXXX second between them. Additionally, these transactions occurred at locations at least XXXX minutes apart ( XXXX miles ). It is entirely impossible for anyone to travel XXXX miles and complete a transaction in just XXXX second. I demand a thorough and fair reassessment of my claims. 

Attached is the list of transactions provided by Bank of America, with the questionable transactions highlighted for your reference. I insist that these transactions be investigated as a new claim, separate from existing claims XXXX and XXXX. Despite being part of the aforementioned claims, Bank of America has failed to recognize these undeniable signs of account compromise. 

I am actively seeking feedback from others who have faced similar issues with Bank of America, and the overwhelming response confirms that many people are experiencing the same problem. I will not accept another drawn-out response that ends in denial. It is time for my complaint to reach someone who can effectively address this situation and help others facing the same challenges.

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