Bank of America, National Association Corporate

Complaint ID: 8136230

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: Report fraud transactions to Bank of America. Credit Card was closed by them and refused to reimburse unauthorized transactions even though I submitted a police report. Police report from XXXX Police Department : Police Report # XXXX printing a copy of this report, you may go to XXXX Police Headquarters, Records Unit, located inside the Main Lobby, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8136040

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Getting a credit card

Subissue: Card opened without my consent or knowledge

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: First of all, B of A processed two successive fraudulent applications in successive weeks that were submitted using my PII for a XXXX XXXX XXXX credit card. The bank queried my credit but did not receive a response from the credit bureau because I have my credit locked. The bank then emailed me a request to unlock my credit file so they can process the accounts which prompted me to report both attempts to B of A as fraud. If B of A is aware that someone is fraudulently attempting to open accounts in my name multiple times, why do they continue to process them? Poor controls?

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 8136025

Product: Credit card

Sub-Product: General-purpose credit card or charge card

Issue: Trouble using your card

Subissue: Can't use card to make purchases

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: I applied for and was approved for a Bank of America Preferred Rewards credit card around XXXX XXXX, 2023. After receiving the card, I made some minor online purchases and also did some shopping in a nearby city on XXXX XXXX without any problems. However, after charging less than {$900.00} total a {$230.00} grocery purchase at XXXX was abruptly declined, and the card has been unusable ever since. Instead of asking me to verify the unspecified " unusual activity '' on my card as would be the normal practice, it and my account have just been totally blocked. I subsequently talked over the phone with two representatives and two supervisors in BOA 's fraud department, but none of them could explain coherently what the problem was, and they all ludicrously advised that the only way I could get my account functioning again would be to fly some XXXX miles to the mainland and visit a Bank of America branch there in person ( BOA has no branches in Hawaii ). I could just cancel this card in disgust, but I'm already on the hook for the {$95.00} annual fee and would have to forego the promised generous sign-up bonus, which was the main reason I sought this particular credit card in the first place. Applying for a replacement card from another issuer would also likely negatively affect my credit score.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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