{"took":152,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":140,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"12358041","_score":21.257378,"_source":{"product":"Prepaid card","complaint_what_happened":"Denied Fraud Dispute Request for Review Dear [ Bank of AmericaXXXX Representative ], I am writing to formally request a thorough review of my fraud disputes regarding unauthorized transactions on my Bank of America XXXX XXXXXXXX XXXX card. I have submitted [ 2 or 3 ] disputes, all of which were denied in less than 24 hours without sufficient explanation. \n\nGiven the urgency and severity of this issue, I kindly request a detailed investigation and reconsideration of my case. Please provide any information regarding why my claims were denied and what additional steps I can take to resolve this matter. \n\nI appreciate your prompt attention and look forward to your response.","date_sent_to_company":"2025-03-06T11:57:14.000Z","issue":"Unexpected or other fees","sub_product":"Government benefit card","zip_code":"95825","tags":null,"has_narrative":true,"complaint_id":"12358041","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-06T11:41:33.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Denied <em>Fraud</em> Dispute Request for Review <em>Dear</em> [ Bank of <em>America</em><em>XXXX</em> Representative ], I am writing to formally request a thorough review of my <em>fraud</em> disputes regarding unauthorized transactions on my Bank of <em>America</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> card. I have submitted [ 2 or 3 ] disputes, all of which were denied in less than 24 hours without sufficient explanation. \n\nGiven the urgency and severity of this issue, I kindly request a detailed <em>investigation</em> and reconsideration of my case."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[21.257378,"12358041"]},{"_index":"complaint-public-v1","_id":"12523612","_score":21.19607,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to escalate my complaint regarding an unauthorized American Express account fraudulently opened in my name. Despite multiple attempts to resolve this issue, American Express has refused to remove the account from my credit report, and their response contains several inaccuracies that need to be addressed. \n\nBackground of the Fraudulent Account : Unauthorized Account Opened : XX/XX/XXXX Card Type XXXX XXXX XXXX XXXX XXXX ending in XXXX ) Outstanding Balance : {$5000.00} ( as of XX/XX/XXXX statement ) Fraud Reports Filed : Multiple fraud investigations were initiated between XX/XX/XXXX XX/XX/XXXX Police Report Filed : I have reported this as identity theft and provided documentation Payments Made Without My Authorization : American Express claims payments were made from a XXXX XXXX XXXXXXXX account belonging to me ; however, I never authorized these payments and I do not have an account with XXXX XXXX XXXXXXXX","date_sent_to_company":"2025-03-18T01:22:37.000Z","issue":"Problem with a company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"90016","tags":null,"has_narrative":true,"complaint_id":"12523612","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-03-18T01:15:18.000Z","state":"CA","company_public_response":null,"sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["Background of the Fraudulent Account : Unauthorized Account Opened : <em>XX/XX/XXXX</em> Card Type <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> ending in <em>XXXX</em> ) Outstanding Balance : {$5000.00} ( as of <em>XX/XX/XXXX</em> statement ) <em>Fraud</em> Reports Filed : Multiple <em>fraud</em> <em>investigations</em> were initiated between <em>XX/XX/XXXX</em> <em>XX/XX/XXXX</em> Police Report Filed : I have reported this as identity theft and provided documentation Payments Made Without My Authorization : <em>American</em> Express <em>claims</em> payments were made from a <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> account belonging"],"issue":["Problem with a company's <em>investigation</em> into an existing problem"],"company":["<em>AMERICAN</em> EXPRESS COMPANY"],"sub_issue":["Their <em>investigation</em> did not fix an error on your report"]},"sort":[21.19607,"12523612"]},{"_index":"complaint-public-v1","_id":"8106133","_score":20.973577,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Subject : Urgent Complaint : Unresolved ACH Fraudulent Withdrawal and Lack of Response from Bank of America Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Bank of America for their gross negligence and inadequate handling of a fraudulent ACH withdrawal of {$1200.00} from my account on XX/XX/2023. Despite reporting the incident immediately, I have been met with silence, delays, and a complete lack of resolution for over two months. \n\nUpon discovering the unauthorized withdrawal, I contacted Bank of America customer service on XXXXXXXX XXXX. The representative confirmed the fraudulent transaction and I was instructed to file a formal ACH Fraud Claim online, which I did immediately. \n\nSince then, I have called Bank of America every week for an update on the investigation and my stolen funds. Each time, I am met with automated prompts, long wait times, and inconsistent information. Despite resubmitting the ACH Fraud Claim form multiple times upon request, I have not received any official communication from the bank regarding the progress of the investigation or the status of my claim.\n\nUnacceptable Service and Devastating Consequences : As a loyaXXXX Bank of America customer for over 30 years, I am appalled by the bank 's complete disregard for my situation. This fraudulent withdrawal has not only caused me significant financial hardship but also immense stress and frustration. The bank 's lack of action has eroded my trust in their ability to protect my financial security. \n\nRequest for Immediate Intervention : I urge the CFPB to investigate this matter urgently and hold Bank of America accountable for their failure to adequately handle this fraudulent activity. I request the following : - Immediate return of the stolen {$1200.00} to my account.\n\n- A thorough investigation into the source of the fraud and implementation of measures to prevent similar incidents.\n\nI have attached relevant documentation, including the initial fraud report, communication logs with Bank of America representatives, and copies of the resubmitted ACH Fraud Claim form for your reference. \n\nThank you for your time and attention to this matter. I look forward to your prompt and positive response. \n\nSincerely, XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-01-04T21:11:03.000Z","issue":"Fraud or scam","sub_product":"Virtual currency","zip_code":"21403","tags":null,"has_narrative":true,"complaint_id":"8106133","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-01-04T20:26:58.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Upon discovering the unauthorized withdrawal, I contacted Bank of <em>America</em> customer service on <em>XXXXXXXX</em> <em>XXXX</em>. The representative confirmed the fraudulent transaction and I was instructed to file a formal ACH <em>Fraud</em> <em>Claim</em> online, which I did immediately. \n\nSince then, I have called Bank of <em>America</em> every week for an update on the <em>investigation</em> and my stolen funds. Each time, I am met with automated prompts, long wait times, and inconsistent information."],"issue":["<em>Fraud</em> or scam"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[20.973577,"8106133"]},{"_index":"complaint-public-v1","_id":"1562611","_score":19.898762,"_source":{"product":"Bank account or service","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX, AZ XXXX : ( XXXX ) XXXXXXXXXXXX No : XXXX No : XXXX Discrimination based on my sex and race ( nationality ) on Bank Of America Customers Service DEAR : EXECUTIVE BANKER I EXPERIENCED DISCRIMINATION IN BANK OF AMERICA CAUSING HARM, PAIN, AFFECTING ME EMOTIONALLY, PHYSICALLY AND FINANCIAL SPENDING A LOT OF MONEY DOING THE CLAIMS FRAUD INVESTIGATOR JOB. \nA BANKER NAMED ( XXXX ) FROM ELECTRONICS ATM/DEBIT CLAIM DEPARTMENT CONFESS TO ME THAT INVESTIGATOR NO MATTER WHAT WILL ALWAYS UNFAIR DENIED CLAIMS WITHOUT CHECKING AND LOSING THEIR TIME TO INVESTIGATE OR SCALATE BECAUSE THEY KNEW THEY HAVE TO REFUND IT AND MAINTAINED WITH LIES AND NEVER INVESTIGATOR DID NOTHING AT ALL. \nAND I THOUGHT BANK OF AMERICA XXXX SUPERVISOR FROM ELECTRONICS ATM/DEBIT CLAIMS DEPARTMENT XXXX NAMED XXXX AND XXXX WHO GIVE ME THE COMPLAINT NUMBER XXXX AND XXXX GIVE XXXX COMPLAINT NUMBERS SAYING SHE GON NA TAKE THAT ISSUE TO SEND IT TO THE HIGH AUTHORITY TO TAKE ACTION OF THIS DISCRIMINATION COMPLAINT TO TAKE ACTION OF THIS MATTER SOLVING THIS UNFAIR CLAIMS DENIED. \nBY THE TIME I FEEL SOMETHING INSIDE ME THAT SHE WAS LYING AS WELL, AND I DECIDED TO STEP A BANK OF AMERICA BRANCH XXXX I 'M NOT GON NA SAY WERE BECAUSE WILL BE UNFAIR FOR ALL HELP I 'M RECEIVING ) THE BIG SURPRISE THAT MY FEELINGS ABOUT SOMETHING NOT OK WAS TRUE, COMPLAINT ISSUE WAS NOT SEND BY NO WHERE, BANKERS JUST TYPE IT IN MY NOTES AND FINISH, NEVER DID NOTHING TO SEND COMPLAINT TO CORPORATION OR TO SOLVE IT, TELLING ME LIES, LIKE CLAIMS INVESTIGATOR DEPARTMENT THAT NEVER DID THE RIGHT STEPS, AND KEEP SAYING THAT I CALL IN XX/XX/XXXX MONTHS LATER OF THE INCIDENT OCCUR, SOMETHING THAT I HAVE PROVE OF SUCH LIE OF BANKET BECAUSE I HAVE EVIDENCE OF CLAIMS HAVE HONORED IN XX/XX/XXXX AND MY CALL IN XXXX XXXX WERE CLAIMS DEPARTMENT UNFAIR DENIED THE SAME FRAUD CLAIM, WHERE IT WAS HONORED BEEN IN THE SAME CLAIM NO # XXXX XX/XX/XXXX THRU XX/XX/XXXX WERE LATER I KNEW WHY BANKER DENIED CLAIMS, BECAUSE WAS A BIG AMOUNT, KNOWING THAT WAS FRAUD, MAKING EXCUSES TO DENIED ALL SATISFACTORY CLAIMS. \n\nON XX/XX/XXXX I EXPERIENCED DISCRIMINATION BASED ON MY XXXX XXXX AND NATIONALITY WERE BANKER REFUSE TO PROVIDE SERVICE BY TELLING THE STATUS INFORMATION OF MY ACCOUNT, SAYING THAT I WAS N'T XXXX XXXX, BECAUSE IS A GIRL VOICE AND NOT A MALE VOICE AFTER GIVING ALRIGHT INFORMATION OF MY ACCOUNT, ANSWERING EVERY SINGLE QUESTION GIVEN HER THE RIGHT INFORMATION AND STILL, WERE I SAY TO BANKER XXXX THAT MY VOICE ALWAYS WAS LIKE THAT, BUT BANKER DOES N'T CARE WHERE I WAS DISCRIMINATED BECAUSE MY XXXX XXXX, REFUSING THE SERVICE OF MY OWN ACCOUNT. CAUSING HARM AND FINANCIAL LOST. \n\nTHE SECOND BANK OF AMERICA BANKER DISCRIMINATION BASED ON MY RACE ON XX/XX/XXXX BY XXXX OR XXXX REFUSING A SPANISH BANKER AND MAKE ME TALK THRU ALL THE CONVERSATION ABOUT THE CLAIMS FRAUD ISSUE WERE BANKER WAS SAYING THAT I WAS CONTRADICTING MYSELF ABOUT CLAIMS, WERE I TRY MY BEST TO SPEAK IT BUT I KNEW WAS HARDER FOR ME. \nI TRY TO MAKE MY CONVERSATION CLEAR AND UNDERSTABLE AND ASK HER AGAIN BY A SPANISH BANKER AND DID NOT HELP ME BY GETTING A TRANSLATE SPEAKER AND BANKER WAS BEEN SARCASTIC SAYING \" I 'M SORRY I DO N'T UNDERSTAND WHAT YOU TRY TO SAY '' AND SAYING \" I 'M SORRY I WILL HAVE TO DENIED CLAIMS AND YOU WILL HAVE TO SOLVE IT WITH YOUR DAD IN THE COURT, UNFAIR DENIED CLAIMS, DISCRIMINATE ME BY NOT SPEAK FLUENT ENGLISH REFUSING A XXXX BANKER, DENIED UNFAIRLY MY CLAIMS CAUSING HARM, PAIN, SUFFERING PHYSICAL CAUSING A BIG IMPACT IN MY LIFE WHERE I HAVE PROVE FOR EMPLOYEE OF BANK OF AMERICA DISCRIMINATED AND EVIDENCE OF UNFAIR CLAIMS AND LIES IMPACT","date_sent_to_company":"2015-09-14T03:02:33.000Z","issue":"Making/receiving payments, sending money","sub_product":"Other bank product/service","zip_code":"85345","tags":null,"has_narrative":true,"complaint_id":"1562611","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2015-09-14T03:02:31.000Z","state":"AZ","company_public_response":"Company chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, AZ <em>XXXX</em> : ( <em>XXXX</em> ) XXXXXXXXXXXX No : <em>XXXX</em> No : <em>XXXX</em> Discrimination based on my sex and race ( nationality ) on Bank Of <em>America</em> Customers Service <em>DEAR</em> : EXECUTIVE BANKER I EXPERIENCED DISCRIMINATION IN BANK OF <em>AMERICA</em> CAUSING HARM, PAIN, AFFECTING ME EMOTIONALLY, PHYSICALLY AND FINANCIAL SPENDING A LOT OF MONEY DOING THE <em>CLAIMS</em> <em>FRAUD</em> <em>INVESTIGATOR</em> JOB."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[19.898762,"1562611"]},{"_index":"complaint-public-v1","_id":"7545270","_score":19.86029,"_source":{"product":"Checking or savings account","complaint_what_happened":"Request To Review Denied Claims Dear Dear XXXX XXXX, I am writing in response to your letter dated XX/XX/XXXX  regarding the numerous disputed transactions that were filed on my Bank of America account ending in XXXX. While I appreciate you providing a detailed summary of the claims and their respective statuses, I find your uneven approvals and denials of these claims to be highly perplexing. \nAs evidenced by the subject matter and timing of these charges, it is abundantly clear that they originate from the same fraudulent scheme perpetrated by an unknown third party without my consent. However, your decision to approve certain claims ( XXXX, XXXX ) while denying the majority of others appears inconsistent at best and contradictory at worst. \nIf you had investigated the claims thoroughly, you would have undoubtedly reached the conclusion that these charges lack merit across the board. I am hard pressed to comprehend why approvals were granted for some and not others, when they clearly exhibit the same indicators of fraud according to my account history and your documentation. \nThis arbitrary cherry-picking of disputes to approve casts serious doubt on the rigor of your investigative process. I request that Bank of America undertake a comprehensive review of ALL submitted claims with greater scrutiny and care before reaching determinations. Moving forward, I expect that my disputes will be evaluated fairly based on their individual merits, not on vague assumptions or internal policies that fail to account for nuances in fraud patterns. \nAdditionally, please provide a detailed, point-by-point explanation for why each claim was approved or denied. I believe I am entitled to understand the rationale behind these decisions that directly affected my finances and livelihood. Anything less would be a disservice to your customers who trust you to thoroughly investigate fraud and reimburse them accordingly. \nI look forward to receiving your response to address these inconsistencies and provide next steps. Please feel free to contact me if any additional information is required from my end. As the victim of an apparent scam, I hope you can understand my position and desire for fair treatment and transparency from my financial institution. \nThank you in advance for your cooperation and understanding.Sincerely, XXXX XXXX","date_sent_to_company":"2023-09-14T03:17:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77082","tags":null,"has_narrative":true,"complaint_id":"7545270","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-09-14T02:54:53.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["Request To Review Denied <em>Claims</em> <em>Dear</em> <em>Dear</em> <em>XXXX</em> <em>XXXX</em>, I am writing in response to your letter dated <em>XX/XX/XXXX</em>  regarding the numerous disputed transactions that were filed on my Bank of <em>America</em> account ending in <em>XXXX</em>. While I appreciate you providing a detailed summary of the <em>claims</em> and their respective statuses, I find your uneven approvals and denials of these <em>claims</em> to be highly perplexing."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[19.86029,"7545270"]},{"_index":"complaint-public-v1","_id":"12535688","_score":19.790281,"_source":{"product":"Checking or savings account","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX \nXXXXrland, TX 75044 469-686-XXXX XXXX XX/XX/XXXX Texas Department of Banking Consumer Assistance Activities XXXX XXXX XXXX XXXX. \nXXXXXXXX XXXX XXXXXXXX Toll-Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX Website XXXX XXXX XXXX XXXX  Subject : Complaint Against Bank of America for Failure to Investigate Forged Checks Dear Consumer Assistance Specialist, Forged checks were endorsed and cashed at Bank of America, and despite my report , the bank has refused to conduct a fraud investigation. The checks in question were made payable to me, but my ex-husband forged my signature, endorsed, and cashed them without my authorization. When I contacted Bank of America to report this fraud, their representative stated that because my ex-husband was a joint account holder, they would not investigate, claiming he had access to the funds. \n\nDetails of the Complaint : Date I Reported the Fraud : XX/XX/XXXX Banks Response : The bank agent refused to initiate a fraud investigation, stating that my ex-husbands status as a joint account holder allowed him to cash the checks, despite the forged endorsements. \nChecks Forged, Endorsed, and Cashed : Check # 1 : {$1600.00} Cashed on XX/XX/XXXX Check # 2 : {$13000.00} Cashed on XX/XX/XXXX Check # 3 : {$890.00} Cashed on XX/XX/XXXX These checks were made payable to me alone, and my ex-husband had no legal authorization to endorse or cash them. Forgery is a criminal offense under Texas Penal Code 32.21, and Bank of America is responsible under the Uniform Commercial Code ( UCC 3-403 ) for ensuring that checks are properly endorsed before being cashed. By refusing to investigate, the bank is failing in its duty to prevent and address fraudulent transactions. \n\nDesired Resolution : 1. A full fraud investigation into the forged, endorsed, and cashed checks.\n\n2. Accountability from Bank of America for failing to follow fraud prevention procedures.\n\n3. Guidance on how to recover the stolen funds, as the bank has refused to take action.\n\nI request that the Texas Department of Banking review this complaint and take appropriate action to ensure that my case is properly investigated. I am prepared to provide copies of the checks and any additional documentation upon request. \n\nPlease confirm receipt of this complaint and advise on the next steps. Thank you for your time and assistance. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-03-18T21:18:26.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"75044","tags":null,"has_narrative":true,"complaint_id":"12535688","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-18T21:00:22.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["<em>XXXXXXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> Toll-Free : ( <em>XXXX</em> ) <em>XXXX</em> Fax : ( <em>XXXX</em> ) <em>XXXX</em> Email : <em>XXXX</em> Website <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  Subject : Complaint Against Bank of <em>America</em> for Failure to <em>Investigate</em> Forged Checks <em>Dear</em> Consumer Assistance Specialist, Forged checks were endorsed and cashed at Bank of <em>America</em>, and despite my report , the bank has refused to conduct a <em>fraud</em> <em>investigation</em>."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[19.790281,"12535688"]},{"_index":"complaint-public-v1","_id":"6744792","_score":19.680717,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX Subject : Complaint Against Bank of America for Denial of Fraudulent Charge Claim Dear Sir/Madam, I am writing to file a complaint against Bank of America for unjustly denying my recent claim for fraudulent charges on my credit card account ending in XXXX. Despite providing substantial evidence of the fraudulent transactions to both the bank and the XXXX Police Department, Bank of America denied my claim, citing that the card was used with the chip and/or PIN entered, and thus implying that I was responsible for the charges. \n\nThe fraudulent transactions occurred on XXXX XXXX, 2023, and I reported them to the XXXX Police Department as part of a financial fraud investigation ( Case No : XXXX ). The total amount of the unauthorized charges is {$1300.00}. A detailed list of these transactions has already been submitted to the XXXX Police Department for investigation. \n\nAccording to the Fair Credit Billing Act ( FCBA ), I am protected from liability for unauthorized charges on my credit card account. The FCBA limits my liability to {$50.00} for unauthorized charges, and many credit card issuers, including Bank of America, have a zero-liability policy for fraudulent charges. Despite this legal protection, Bank of America denied my claim and decided to remove the temporary credits applied to my account. \n\nI kindly request the Consumer Financial Protection Bureau to intervene in this matter and investigate the unjust denial of my claim by Bank of America. I believe that the bank 's decision to hold me responsible for the fraudulent charges, despite the evidence provided, is in violation of the FCBA and the zero-liability policy. \n\nPlease find the attached documents, including the list of fraudulent transactions and the letter I received from Bank of America, for your reference. Please note that in my attached documents I have provided account numbers. None of these account numbers are still active, so this information may be shared. I am willing to provide any additional information or evidence required to support my complaint. \n\nThank you for your attention to this matter. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2023-03-24T07:11:00.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"30062","tags":null,"has_narrative":true,"complaint_id":"6744792","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2023-03-24T06:42:15.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, GA <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XX/XX</em>/2023 Consumer Financial Protection Bureau <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXXXXXX</em>, Iowa <em>XXXX</em> Subject : Complaint Against Bank of <em>America</em> for Denial of Fraudulent Charge <em>Claim</em> <em>Dear</em> Sir/Madam, I am writing to file a complaint against Bank of <em>America</em> for unjustly denying my recent <em>claim</em> for fraudulent charges on my credit card account ending in <em>XXXX</em>."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[19.680717,"6744792"]},{"_index":"complaint-public-v1","_id":"12484429","_score":19.291119,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"Dear CFPB Representative, I am writing in response to the replies from American Express, XXXX XXXX and XXXX XXXX regarding my complaint. Unfortunately, their responses do not address the core issue I raised. \n\nI have no knowledge of many of the transactions and payments referenced in their responses. I have been a victim of a XXXX XXXX virus, which compromised my personal and financial information, leading to unauthorized activities on my accounts. Despite informing American Express and XXXX XXXX of this, they have chosen to ignore the fact that my accounts were compromised and are holding me responsible for transactions I did not authorize. \n\nAmerican Express states that I am responsible for these charges due to my Cardmember Agreement, but they fail to acknowledge the impact of financial fraud and identity theft. Similarly, XXXX XXXX is dismissing my claim despite the fact that the unauthorized transactions resulted from stolen credentials. \n\nI urge the CFPB to intervene and ensure that both financial institutions properly investigate my claim, acknowledge the fraud, and take the necessary steps to remove these fraudulent charges from my record. Holding a fraud victim accountable for transactions resulting from a known malware attack is both unjust and against consumer protection principles. \n\nI request that American Express, XXXX XXXX and XXXX XXXX provide : A thorough fraud investigation into the transactions I have disputed. \nProof that these transactions were legitimately authorized by me and not by an unauthorized person. \nImmediate correction of my credit report to remove any inaccurate, fraudulent, or disputed information. \nI appreciate your time and assistance in ensuring that these institutions uphold consumer protection laws. Please let me know if you require any additional information from my end. \n\nSincerely, XXXX XXXX XXXX Name : XXXX XXXX Date of Birth : XX/XX/year> Address : XXXX XXXX, XXXX, Michigan XXXX American Express Reference : XXXX XXXX XXXX XXXX XXXX XXXX ) Reference : XXXX XXXX XXXXXXXX Reference : XXXX Last Four Digits of Affected Account : XXXX","date_sent_to_company":"2025-03-14T20:37:45.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"48126","tags":null,"has_narrative":true,"complaint_id":"12484429","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2025-03-14T20:37:16.000Z","state":"MI","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["Similarly, <em>XXXX</em> <em>XXXX</em> is dismissing my <em>claim</em> despite the fact that the unauthorized transactions resulted from stolen credentials. \n\nI urge the CFPB to intervene and ensure that both financial institutions properly <em>investigate</em> my <em>claim</em>, acknowledge the <em>fraud</em>, and take the necessary steps to remove these fraudulent charges from my record. Holding a <em>fraud</em> victim accountable for transactions resulting from a known malware attack is both unjust and against consumer protection principles."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[19.291119,"12484429"]},{"_index":"complaint-public-v1","_id":"11795761","_score":19.052044,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB Representative, I am writing to formally file a complaint against Bank of America regarding their handling of a disputed transaction involving XXXX. Despite my repeated attempts to resolve this matter, I have been unable to obtain a fair resolution. \n\nDetails of the Complaint : Company Involved : Bank of America ( Credit Card XXXX ) Merchant : XXXX Transaction Date : XX/XX/XXXX Disputed Amount : {$150.00} Nature of the Issue : On XX/XX/XXXX, I attempted to obtain an online tracking number from XXXX. Upon submitting my payment, I encountered an error that prevented me from proceeding to the next page to receive my tracking number. Given the issue, I immediately contacted Bank of America to dispute the transaction. I was advised to wait, as the merchant might reverse the payment. \n\nI made multiple attempts to contact XXXX, but I was unable to reach anyone. As a result, I proceeded with opening a formal dispute with Bank of America. After their investigation, my claim was denied on the grounds of insufficient evidence, and the case was closed. \n\nOn XX/XX/XXXX, I was finally able to establish communication with XXXX and engaged in active discussions with them for over a month. On XX/XX/XXXX, XXXX confirmed that they would issue a refund due to the error. Armed with this new evidence, I attempted to reopen the dispute with Bank of America. \n\nHowever, my efforts to reopen the case and submit additional evidence were met with resistance. After calling Bank of Americas customer service, I was advised to visit a branch in person. Upon visiting the branch, the agent contacted the credit card fraud department, where I was assured that the case would be reopened and that I could submit additional documentation. \n\nDespite these assurances, I have been unable to formally submit my evidence or get any confirmation from Bank of America that they are reconsidering the dispute. This has caused me financial inconvenience, and I believe that Bank of America has failed in their responsibility to fairly process my dispute claim. \n\nSincerely, XXXX","date_sent_to_company":"2025-01-28T01:50:58.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"75013","tags":null,"has_narrative":true,"complaint_id":"11795761","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-01-28T01:20:47.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["I made multiple attempts to contact <em>XXXX</em>, but I was unable to reach anyone. As a result, I proceeded with opening a formal dispute with Bank of <em>America</em>. After their <em>investigation</em>, my <em>claim</em> was denied on the grounds of insufficient evidence, and the case was closed. \n\nOn <em>XX/XX/XXXX</em>, I was finally able to establish communication with <em>XXXX</em> and engaged in active discussions with them for over a month. On <em>XX/XX/XXXX</em>, <em>XXXX</em> confirmed that they would issue a refund due to the error."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[19.052044,"11795761"]},{"_index":"complaint-public-v1","_id":"17076833","_score":19.012768,"_source":{"product":"Checking or savings account","complaint_what_happened":"Formal Complaint Regarding Unauthorized ACH Withdrawals, Mishandling of Fraud Claim, and Unprofessional Conduct Internal Complaint Reference Number : XXXX Dear Bank of America XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX of XXXX XXXX XXXX, am writing to formally file a complaint regarding unauthorized ACH transactions that were made from my companys business checking account held at Bank of America. \n\nAfter providing my companys account and routing numbers to a company identified as XXXX, I was informed that XXXX small test deposits would be made to verify the account. However, instead of the expected micro-deposits, XXXX unauthorized debits of {$1500.00} each ( totaling {$3000.00} ) were withdrawn from my business account. \nUpon discovering these unauthorized charges, I immediately contacted XXXX and received no response. I then contacted Bank of America to initiate a fraud claim related to these transactions. \n\nAccording to Bank of Americas official policy, as stated on your website : You should report ACH fraud to Bank of America immediately, as you generally have 60 days from the date your statement shows the unauthorized transaction to do so. The sooner you report it, the better, as waiting longer could mean you are held responsible for some of the transactions that occur after the XXXX period. \n\nI complied with this policy and filed my report promptly upon discovery. However, during the handling of my claim, I was informed by a Bank of America representative named XXXX that the case had been resolved and sent back to the XXXX Department because, according to her, I did not report it in time. This statement is inconsistent with your published policy and with the timeline of my actions. \n\nFurthermore, during our phone conversation, XXXX was dismissive and unprofessional, stating, Why dont you just look it up on XXXX XXXX in reference to finding and submitting the XXXX dispute form. Such conduct is inappropriate, discriminatory in tone, and inconsistent with the standards of professionalism and customer care expected from a financial institution of Bank of Americas stature.\n\nGiven the circumstances, I respectfully request the following : Immediate reopening and full investigation of my fraud claim concerning the unauthorized XXXX withdrawals totaling {$3000.00}. \n\nA written explanation of why my claim was allegedly closed or denied, despite compliance with the XXXX notification policy. \nA formal review of the conduct of representative XXXX and any other staff involved in the mishandling of this matter. \n\nRestitution of the unauthorized funds to my business account, in accordance with Regulation E ( Electronic Fund Transfer Act ) protections for unauthorized transactions.\n\nIf this issue is not resolved promptly and satisfactorily, I will be submitting this complaint to the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and other appropriate regulatory bodies for further review. \nI trust that Bank of America will handle this complaint with the seriousness it deserves and take immediate corrective action.","date_sent_to_company":"2025-11-06T17:49:02.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Checking account","zip_code":"32809","tags":"Servicemember","has_narrative":true,"complaint_id":"17076833","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-11-06T16:44:25.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Formal Complaint Regarding Unauthorized ACH Withdrawals, Mishandling of <em>Fraud</em> <em>Claim</em>, and Unprofessional Conduct Internal Complaint Reference Number : <em>XXXX</em> <em>Dear</em> Bank of <em>America</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> of <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, am writing to formally file a complaint regarding unauthorized ACH transactions that were made from my companys business checking account held at Bank of <em>America</em>."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[19.012768,"17076833"]},{"_index":"complaint-public-v1","_id":"15229348","_score":18.932064,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of America for mishandling my XXXX fraud dispute, Claim XXXX XXXXXXXX, and for failing to reasonably investigate and consider the supporting documentation I submitted during both the initial claim and redetermination process. \n\nSummary of Incident : On XX/XX/year>, I sent a payment of {$2500.00} via XXXX to XXXX for what I was led to believe was a legitimate residential rental in XXXX. I later discovered the entire arrangement was fraudulent : The property had no rental license or certificate of rental suitability, violating City of XXXX housing laws. The person acting as landlord, XXXX, is not the legal property owner and had no authority to rent out the home. Although XXXX is listed as the legal homeowner, she has denied any responsibility, despite the lease and XXXX transaction being carried out using her name. \n\nAdditionally, I was illegally locked out of the unit on two separate occasions by an individual acting on behalf of the homeowner. These incidents required police intervention, with official reports filed with the XXXX Police Department : DC XXXX XXXXXXXX XX/XX/year> ( XXXXXXXX XXXX XXXX XXXXC XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX had no legal right to lease the property or perform any eviction activities. These unlawful actions further prove that I was the victim of a fraudulent rental scheme. \n\nBank of Americas Failure to Investigate : Despite providing clear documentation showing fraudulent inducement, including : A copy of the fraudulent lease agreement Screenshots from the City of XXXX Department of Licenses & Inspections confirming no legal rental license Police reports confirming illegal lockouts and fraudulent activity Bank of America denied both the initial claim and the redetermination without properly acknowledging or reviewing this critical evidence.\n\nMoreover, Bank of America continues to report completing an investigation based solely on original findings without updating their reports based on new information. For example : The denial is based on findings dated XX/XX/year> A resolution support member was assigned on XX/XX/XXXX Updated information was submitted on XX/XX/XXXX regarding additional periods of the scam Yet on XX/XX/XXXX, I was told the claim was denied again based on the XX/XX/XXXX findings This indicates Bank of America is not conducting a thorough or current investigation. \n\nAdditionally, while the bank acknowledges this as a scam, they have not protected me because they are unable to recover the funds from the scammers account. This shows a lack of commitment to protecting me as a client. Notably, there is no indication anywhere on their banking app or website that XXXX transactions are unprotected, which is misleading, constitutes false advertising, and is a misrepresentation to consumers. \n\nMy Request : I respectfully ask the CFPB to investigate Bank of Americas failure to : Properly review and update evidence of fraudulent and deceptive practices Fulfill its duty under the Electronic Fund Transfer Act ( EFTA ) Protect consumers from financial harm caused through XXXX, a platform they promote as safe and secure As a result of this fraud and Bank of Americas refusal to take appropriate action, I am displaced, financially impacted, and suffering emotional distress.\n\nI am available to provide all supporting documentation, including police reports, communication records, and evidence of housing violations, upon request.\n\nThank you for your attention to this matter. I look forward to your help in ensuring fair treatment and accountability. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-08-12T20:29:28.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"19150","tags":null,"has_narrative":true,"complaint_id":"15229348","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-12T20:20:31.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["<em>Dear</em> Consumer Financial Protection Bureau, I am writing to file a formal complaint against Bank of <em>America</em> for mishandling my <em>XXXX</em> <em>fraud</em> dispute, <em>Claim</em> <em>XXXX</em> <em>XXXXXXXX</em>, and for failing to reasonably <em>investigate</em> and consider the supporting documentation I submitted during both the initial <em>claim</em> and redetermination process. \n\nSummary of Incident : On XX/XX/year>, I sent a payment of {$2500.00} via <em>XXXX</em> to <em>XXXX</em> for what I was led to believe was a legitimate residential rental in <em>XXXX</em>."],"issue":["<em>Fraud</em> or scam"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[18.932064,"15229348"]},{"_index":"complaint-public-v1","_id":"8696693","_score":18.597326,"_source":{"product":"Prepaid card","complaint_what_happened":"Subject : Unauthorized Activity on Bank of America prepaid Account During XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to report unauthorized and fraudulent activity on my Bank of America account during my XXXX from XX/XX/XXXX to XX/XX/XXXX. My account was compromised by unknown individuals who gained access to my account information, passwords, and personal details, subsequently using them to make fraudulent transactions without my knowledge or consent. \n\nI have submitted multiple documentations and evidence to Bank of America, including medical records and XXXX timeline snapshots which clearly show that I was XXXX  during the period when these transactions took place. Despite providing extensive proof of my inability to carry out these transactions due to my XXXX, the unauthorized activity on my claim is still being denied and reopened by managers who look over the claim and agree with my inability to make these purchases. \n\nThe identity thieves responsible for this fraudulent activity not only accessed my Bank of America account, but also managed to open new accounts, obtain credit cards, book motel rooms, and even purchase a vehicle in my name without my authorization. This egregious breach of my personal information has caused significant distress and financial harm, and I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly. \n\nI am a victim of identity theft and financial fraud, and I seek your assistance in having bank of America look at the information I sent them showing my inability to make these purchases and re credit my account for these fraudulent purchases. The account was taken over and the passwords were set by them as well as any calls made to Bank of America during this time frame. The items they are using to substantiate thier claim was set up by the identity thieves and I had no knowledge of the activity taking place with my identity while I was XXXX \n\nThank you for your attention to this matter. I await your prompt response and assistance in resolving this distressing situation. \n\nSincerely, XXXXXXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2024-04-05T16:13:40.000Z","issue":"Problem with a purchase or transfer","sub_product":"Government benefit card","zip_code":"925XX","tags":null,"has_narrative":true,"complaint_id":"8696693","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-04-03T19:25:25.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card company isn't resolving a dispute about a purchase or transfer"},"highlight":{"complaint_what_happened":["Subject : Unauthorized Activity on Bank of <em>America</em> prepaid Account During <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>Dear</em> Consumer Financial Protection Bureau, I am writing to report unauthorized and fraudulent activity on my Bank of <em>America</em> account during my <em>XXXX</em> from <em>XX/XX/XXXX</em> to <em>XX/XX/XXXX</em>. My account was compromised by unknown individuals who gained access to my account information, passwords, and personal details, subsequently using them to make fraudulent transactions without my knowledge or consent."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[18.597326,"8696693"]},{"_index":"complaint-public-v1","_id":"12450178","_score":18.57923,"_source":{"product":"Credit card","complaint_what_happened":"Subject : Urgent Request for Further Investigation Bank of America Claim # XXXXXXXX XXXX XXXX  XXXX XXXX Fraud Claim Dear Consumer Financial Protection Bureau XXXX This letter is a follow-up to our previous complaint regarding Bank of America 's fraudulent activity and our subsequent experiences with their dispute resolution process. We are writing to you again due to the unacceptable response we received from Bank of America in their letter dated XX/XX/year>, regarding our initial claim number XXXX. A copy of their letter is attached. We believe that Bank of America 's actions warrant further investigation by the CFPB, and possibly a criminal investigation into their business practices. \n\nTheir letter is not only inaccurate and misleading but demonstrates a blatant disregard for the facts and a deliberate attempt to evade responsibility for the fraudulent activity on the XXXX XXXX XXXX XXXX credit card. \n\nBank of America bases its denial on the false assertion that the card was used with a chip, PIN, or signature, implying authorized use. This claim is demonstrably false. The entire premise of our complaint is that we never received/used the credit card. How could we, or anyone we authorized, have used the card when it was never in our possession? This is the core of the fraud, and their response completely ignores this crucial fact. Bank of America is sending credit cards that are already ready to use, with a sticker stating : \" Your card is ready to use. You can now simply tap to pay whenever you see this symbol ( contactless payment symbol ). '' SEE ATTACHED THEIR CARD. \n\nFurthermore, their letter conveniently omits critical information that undermines their position : UPS Tracking Number XXXX : Bank of America provides this tracking number, yet fails to acknowledge that it proves the credit card was never delivered to XXXX XXXX XXXX  XXXX 's requested address. Instead, the XXXX tracking record clearly shows the delivery location as \" OTHER, '' meaning the card was not delivered to the intended recipient. This constitutes irrefutable evidence of Bank of America 's negligence in failing to ensure secure delivery. \nXXXX XXXX XXXX XXXX Bank of America asserts that \" the card must be present in order to be added to a digital wallet, '' a claim we find preposterous and unsubstantiated. We already explained to Bank of America 's representatives that their cards are sent ready to use, requiring no further action from the customer. We specifically complained about this during phone calls with their representative, questioning how they could send cards ready to use without requiring a call, PIN, or account verification before activation! Bank of America omits this critical detail. The latest phone call was more that 1 hour long and we spoke with XXXX XXXX ( if we got her info correct ) from North Carolina that might be higher up/supervisor as we requested to speak with supervisor. \nThe UPS delivery states that the card was NOT delivered to us by XXXX. Delivery location named OTHER! Feel free for anyone reading this letter to just insert tracking number into ups tracking system. We are attaching proof of that as well. \nWe are actively working with the Florida Attorney General. \nBank of America 's claim that they \" are unable to confirm '' our allegations regarding assurances made by their assisting agent is disingenuous. We maintain that we were given assurances, and the fact that they can not \" confirm '' them does not negate their occurrence. Moreover, whether or not those assurances were made, the objective facts of the casenamely, the undelivered card and the fraudulent chargesremain unchanged. \n\nIt is increasingly clear that Bank of America has no intention of conducting a legitimate investigation. Instead of investigating, they deliberately attempt to shift blame and evade responsibility. \n\nWe ask : Why Bank of America did not hire local police investigators and not checked security footage in moment of transaction from XXXX XXXX, shown it to all agencies involved in this case, and shown the face of the person making the purchase? We are waiting for them to do so. \n\nBank of America 's attempt to blame XXXX XXXX XXXX XXXX for this fraudulent activity is not only unfounded but borders on malicious. We are actively working with the Florida Attorney General 's office, and this letter, with its misrepresentations and omissions, will be presented as further evidence of Bank of America 's negligence, incompetence, and possible criminal activity.\n\nTherefore, we urge the CFPB to : Conduct a thorough and independent investigation into Bank of America 's practices regarding credit card issuance, fraud investigation, and dispute resolution. \nConsider the possibility of a criminal investigation into Bank of America 's handling of this and similar cases. \nCompel Bank of America to conduct a proper investigation into this specific case, including reviewing security camera footage from XXXX XXXX. \nRequire Bank of America to immediately remove the {$3000.00} fraudulent charge from the XXXX XXXX XXXX XXXX account. \nAsk Bank of America why they are sending credit cards ready to use. How they are going to deny this? \nWe reiterate our intention to pursue legal action against Bank of America for all damages resulting from their negligence and bad faith. We expect a prompt and decisive response to this letter, including an outline of the steps the CFPB will take to investigate this matter. \n\nWe are providing with this complaint : -example of replacement bank of america credit card which is ready to use as they state on card sticker -XXXX  tracking proof of delivery \" OTHER '' -latest letter from Bank of America where they are backing up their initial false claims. \n\nSincerely, XXXX XXXX XXXX XXXX","date_sent_to_company":"2025-03-12T15:05:41.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33166","tags":null,"has_narrative":true,"complaint_id":"12450178","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-12T14:33:47.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["Subject : Urgent Request for Further <em>Investigation</em> Bank of <em>America</em> <em>Claim</em> # <em>XXXXXXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em> <em>Fraud</em> <em>Claim</em> <em>Dear</em> Consumer Financial Protection Bureau <em>XXXX</em> This letter is a follow-up to our previous complaint regarding Bank of <em>America</em> 's fraudulent activity and our subsequent experiences with their dispute resolution process."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[18.57923,"12450178"]},{"_index":"complaint-public-v1","_id":"8204460","_score":18.515911,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Dear Sir/Madam, I am writing to bring to your attention a fraudulent transaction that was made from my account on XXXX. I was shocked to discover that {$1000.00} was withdrawn from my account without my authorization or knowledge. Upon discovering this unauthorized activity, I immediately contacted Bank of America to report the fraudlent transaction .After that, XXXX I discovered {$440.00} another fraud transaction on my wife account .Most part of this money were pending when we called the Bank. We called immediately Bank of America customer service again and report the fraud transaction. Firstly, They open claim and paidback my money, however, XX/XX/XXXX, I got some letters from Bank Of America, I have attached a copy of them. \nI discovered from Bank research XXXX an account had been created on XXXX  XXXX  in my name without my knowledge or consent. Subsequently, XXXX tickets for a XXXX XXXX concert on XXXX were purchased using my Bank Of America credit card XXXX amounting to a total of {$1000.00} XXXX contacted to Bank of America again and explained my situation and also I field a police report to document the incident .To my dismay, despite these efforts, the issue persisted. \nI also reached out XXXX XXXX Customer service to address the situation .However, during our communication, they claimed to have sent verification emails and asserted that the tickets had been delivered to my mailbox .I explained them I have not received any such emails, and the tickets were never delivered to my address .After that XXXX XXXX offered me 2 alternative tickets for a different event for selling and getting money .I found this solution inadequate and I did not accept their offer because I never bought any tickets from their website. Then, I went different time to Bank of America for solving this problem. However I did not get any helpful step and Bank offered me I should to pay back {$130.00} for my credit score. And at the same time Bank Of America sent new message to my wife email address about my wife claim XXXX. They did not send any information about my wife fraud transaction but they demand {$440.00} pay back. \nIn addition, I have filed a police report and attached a copy for your reference. \nPlease investigate this matter urgently and keep me informed of the progress of your investigation. I would appreciate a prompt resolution to this issue. \nThank you for your attention to this matter.","date_sent_to_company":"2024-01-23T05:27:02.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"02135","tags":null,"has_narrative":true,"complaint_id":"8204460","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-01-23T04:45:37.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Firstly, They open <em>claim</em> and paidback my money, however, <em>XX/XX/XXXX</em>, I got some letters from Bank Of <em>America</em>, I have attached a copy of them. \nI discovered from Bank research <em>XXXX</em> an account had been created on <em>XXXX</em>  <em>XXXX</em>  in my name without my knowledge or consent."],"issue":["<em>Fraud</em> or scam"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[18.515911,"8204460"]},{"_index":"complaint-public-v1","_id":"11966940","_score":18.13433,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Heres your revised message with the additional request included : Subject : Unauthorized Cashing of My XXXXBank of America Check Dear CFPB , I previously filed a complaint with complaint number XXXX regarding an ongoing issue with Bank of Americas Prepaid Department XXXX My check was intercepted and cashed without my authorization. Unfortunately, I recently received an email from Bank of America stating that my claim had been resolved and denied. \n\nI was baffled by this decision, so I called Bank of America and spoke with a representative this morning, XX/XX/XXXX. The representative informed me that my claim was denied because I did not provide the check number and check date on the form they had sent me. However, I was not in a position to provide this information, as the check was intercepted by someone else. \n\nDuring the call, the representative provided me with the missing details : Check Number : XXXX Check Date : XX/XX/XXXX They advised me that I could now resubmit the Fraud Statement of Claimant with this information. These were the details that were missing from my original submission, and they were only provided to me today by a Bank of America Prepaid Department representative. \n\nI am writing to formally report that my XXXXBank of America check was compromised, leading to unauthorized transactions made without my knowledge or consent. When I contacted customer service to check my account balance, I was informed that my remaining balance was XXXX dollars. However, before my check was intercepted and cashed, my previous balance was {$12000.00}. I did not authorize or initiate any of these transactions. \n\nThis unexpected and unauthorized activity has left me deeply concerned about the security of my account. I respectfully request an immediate investigation into this matter and ask that my account be safeguarded from further unauthorized transactions. \n\nAdditionally, I would greatly appreciate it if this ongoing situation could be resolved promptly and if a replacement check in the amount of {$12000.00} could be reissued to me. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-06T21:59:25.000Z","issue":"Lost or stolen money order","sub_product":"Money order, traveler's check or cashier's check","zip_code":"91303","tags":null,"has_narrative":true,"complaint_id":"11966940","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-02-06T21:06:44.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Heres your revised message with the additional request included : Subject : Unauthorized Cashing of My XXXXBank of <em>America</em> Check <em>Dear</em> CFPB , I previously filed a complaint with complaint number <em>XXXX</em> regarding an ongoing issue with Bank of <em>Americas</em> Prepaid Department <em>XXXX</em> My check was intercepted and cashed without my authorization. Unfortunately, I recently received an email from Bank of <em>America</em> stating that my <em>claim</em> had been resolved and denied."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[18.13433,"11966940"]},{"_index":"complaint-public-v1","_id":"12170350","_score":18.114424,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"Below is the message I sent to the CEO of Bank of America along with the message i received from Bank of America. There are letting criminals get away with scamming seniors instead of protecting their customers. I would like someone to help me with this. They are planning on debiting my account for the {$510.00} on XX/XX/XXXX that was stolen from me by scammers pretending to be Bank of America Fraud department employees and had me follow their instructions. THIS IS SO WRONG!!!! \n\nXXXX XXXX Dear XXXX XXXX, I realize this letter may never be read by you because XXXX a peon in your world. However, I have been a client of B of A for many years and needed to state my case and apologize in advance for the length of this email. You need to know all of the facts. \n\nIn XXXX of XXXX, I received a call from Bank of America Fraud department alerting me to fraud activity on my checking account for {$2200.00} for XXXX iPhones. Being cautious, I looked at the phone number on my phone and matched it to the fraud phone number on the back of my B of A credit card. Everything matched! The representative gave me his B of A ID number and his name which I wrote down, and he knew all my recent transactions, my SS #, my date of birth, etc. There was absolutely no reason for me to doubt this person. \n\nHe then proceeded to give me instructions on how to reverse this transaction through my XXXX account and gave me a code to enter at the $ sign to let B of A know that it was really me and gave them authorization to reverse the transaction. I did everything I was told to do. Once the transaction was complete, he gave me his personal phone number to call him in case of any problems. \n\nThat night I went into my account to make sure everything looked correct. Thats when I saw a debit for {$510.00}. XXXX for something I did not recognize. Thats when I knew my identity was stolen! \n\nI immediately called the police and filled out a police report giving them all the information I had. I was told that these thieves eventually get caught but not in the timeframe I would like. The next day I spent most of my day at the local bank going over all the details with the fraud department as well as giving her the police report #. \n\nI had to change my checking account, ALL my credit cards, my phone number that I had for over 30 years and my phone. Its been a nightmare! I was told that the amount these thieves took ( {$510.00} ) would be put back in my account temporarily and an investigation would be started. I felt a sense of relief that Bank of America would do their job and protect their clients against these awful criminals. \n\nThis morning I received an email that the investigation was complete and that the refund in my account would be reversed. \n\nTHIS IS SO WRONG! I would like to know why Bank of America is protecting these criminals instead of your clients! {$510.00} may not seem like a lot to some people like your huge clients, however I am retired ( XXXX XXXX XXXX ) XXXX and I still have to work to make ends meet. It is a major amount to me and I dont understand why Im being punished for being a victim of fraud by someone who was very good at pretending he was a B of A employee!\n\nI hope whoever reads this send it to the appropriate department to do the right thing and sees that this decision is reversed.\n\nAgain I may not be one of your major clients, but I want a bank that is going to make sure it stands by its clients. \n\nI look forward to a response from whoever reads this letter. \n\nRegards, XXXX XXXX Sent from my XXXX Begin forwarded message : XXXX TX XXXX Account ending in XXXX Date XX/XX/XXXX Claim number : XXXX Amount : {$510.00} XXXX, were unable to approve your recent claim. \nOur research included the information you provided with your claim, your account history, the monthly account statements we sent you and if available, information from the merchant, such as a signed receipt or contract. We made this decision because : The charge was authorized by you or made by someone who has permission to use the card or account. \nWhats next The credit ( s ) for {$510.00} that was applied to your account will be removed on XX/XX/XXXX, along with any credit ( s ) for fees related to this claim - you ll see the adjustment ( s ) on your monthly statement. \nFor updates on your claim If you d like copies of the documents we used to make this decision, please call us at XXXX, Monday through Friday, from XXXX a.m. to XXXX XXXX. XXXX. Please have your claim number when you call. \nThank you for your patience during our review. \n\nFrom : XXXX XXXX XXXX Date : XX/XX/XXXX at XXXX XXXX To : of XXXX XXXX XXXX Subject : Re : Fraud Claim for account - XXXX - Claim is complete Thus is not right. My identities stolen from these people pretending to be Bank of America. Who do I escalate this to. You are supposed to be protecting your clients, not the hackers!!!! \nSent from my XXXX On XX/XX/XXXX, at XXXX, Bank of America XXXX wrote : Bank of America XXXX \nXXXX Claim for account - XXXX XXXX XXXX of XXXX Claim is complete Updated XX/XX/XXXX Your claim is complete. View details for more information. \nView details Claim ID XXXX Claim amount {$510.00} Claim opened XX/XX/XXXX Want to receive updates via the app? Download the latest app, and turn on Status Tracker notifications in Alert Settings under General.\n\nWe'll never ask for your personal information such as SSN or ATM PIN in email messages. If you get an email that looks suspicious or you are not the intended recipient of this email, don't click on any links. Instead, forward to XXXX then delete it. \nPlease don't reply to this automatically generated service email. \nPrivacy Notice Equal Housing Lender Bank of America , N.A . Member FDIC. \nXXXX Bank of America Corporation.","date_sent_to_company":"2025-02-21T15:27:41.000Z","issue":"Fraud or scam","sub_product":"Mobile or digital wallet","zip_code":"34232","tags":"Older American","has_narrative":true,"complaint_id":"12170350","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-02-21T15:06:59.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["Sent from my <em>XXXX</em> On <em>XX/XX/XXXX</em>, at <em>XXXX</em>, Bank of <em>America</em> <em>XXXX</em> wrote : Bank of <em>America</em> <em>XXXX</em> \n<em>XXXX</em> <em>Claim</em> for account - <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> of <em>XXXX</em> <em>Claim</em> is complete Updated <em>XX/XX/XXXX</em> Your <em>claim</em> is complete. View details for more information. \nView details <em>Claim</em> ID <em>XXXX</em> <em>Claim</em> amount {$510.00} <em>Claim</em> opened <em>XX/XX/XXXX</em> Want to receive updates via the app? Download the latest app, and turn on Status Tracker notifications in Alert Settings under General."],"issue":["<em>Fraud</em> or scam"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[18.114424,"12170350"]},{"_index":"complaint-public-v1","_id":"2981683","_score":18.099878,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear CFPB- I believe American Express is involved in an alleged World-Wide Consumer Fraud ... \n\nI have been a card member of American Express Optima Platinum since XXXX and have a perfect credit score. On XX/XX/XXXX I was late by ONE DAY and charged {$27.00}. While I am not disputing the late fee, I am disputing the interest rate on future charges ( purchase ). All charges ( purchases ) after XX/XX/XXXX were billed at 29.99 %. Under the American Express Terms & Conditions, no reference is made for this increase on future charges ( purchases ), as indicated below : \" Late Fees on Credit Cards and Charge Cards : If you do not pay your minimum payment by the due date, you will be charged a late payment fee of {$27.00}. If you make another late payment in the following six billing periods, your late payment fee will be {$38.00}. Your late fee will not exceed your minimum payment due. For example, if the minimum payment due on your statement is {$20.00}, your late payment fee will not be more than {$20.00}. You may also have to pay interest on any funds which remain unpaid from the previous billing period and your interest rate may increase. '' Furthermore, American Express claims that all payments are first credited to the higher interest charges. This is a false statement and represents Fraud! \n\nFrom \" XX/XX/XXXX to Present '' I had {$5700.00} charges ( purchases ) and made {$9800.00} in payments. Yet, American Express continued to charge me the 29.99 % on these charges ( purchase ) even though my payments exceeded the charges ( purchases ) ...\n\nThis is an unfair, deceptive and misleading business practice that need to be investigated! \n\nRegards, XXXX XXXX","date_sent_to_company":"2018-08-04T06:54:41.000Z","issue":"Fees or interest","sub_product":"General-purpose credit card or charge card","zip_code":"032XX","tags":null,"has_narrative":true,"complaint_id":"2981683","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-08-04T01:30:09.000Z","state":"NH","company_public_response":null,"sub_issue":"Unexpected increase in interest rate"},"highlight":{"complaint_what_happened":["<em>Dear</em> CFPB- I believe <em>American</em> Express is involved in an alleged World-Wide Consumer <em>Fraud</em> ... \n\nI have been a card member of <em>American</em> Express Optima Platinum since <em>XXXX</em> and have a perfect credit score. On <em>XX/XX/XXXX</em> I was late by ONE DAY and charged {$27.00}. While I am not disputing the late fee, I am disputing the interest rate on future charges ( purchase ). All charges ( purchases ) after <em>XX/XX/XXXX</em> were billed at 29.99 %."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[18.099878,"2981683"]},{"_index":"complaint-public-v1","_id":"12665547","_score":18.03688,"_source":{"product":"Mortgage","complaint_what_happened":"To : Consumer Financial Protection Bureau ( CFPB ) Re : Addendum to CFPB Case No. XXXX ( Bank of America XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX. Confirms Loan Laundering Scheme and Fraudulent Foreclosure Based on BoA Admission Dear CFPB Officials, This addendum to Case No. XXXX provides critical new evidence : XXXX XXXX XXXX  XXXX XXXX. has confirmed, in writing, that it can not trace or verify the securitized chain of title previously disclosed by Bank of America, which acknowledged that : Records confirm the investor for the loan ending in XXXX, during our servicing of the account, was XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX )... The loan was paid in full on XX/XX/XXXX. \n( Bank of America letter dated XX/XX/XXXX ) This admission alone proves that the mortgage was fully satisfied and securitized into XXXX Asset-Backed Certificates XXXX XXXX, and that Bank of America acquired Countrywide after this payoff XXXX. \n\nXXXX XXXX 's Damning Admission Confirms Loan Laundering In its formal CFPB response dated XX/XX/XXXX, XXXX XXXX XXXX, XXXX. made the following key statement : > We can not speak to your claims that Countrywide had a title claim to the collateral property in XXXX... \nWe are unable to comment about the entity you identified as XXXX XXXX, XXXX... we have no documentation ... as those records would be older than retention guidelines. \n\n\n\nThis statement is damning for the following reasons : 1. Countrywide was the originator, as confirmed by Bank of America, and the loan was securitized into XXXX  XXXX before Bank of America acquired Countrywide. \n\n\nXXXX. XXXX XXXX failed to recognize XXXX chain of title, meaning they had no legal standing to foreclose on the property. \n\n\nXXXX. XXXX Bank XXXX, which XXXX XXXX previously claimed as the funding source for the note purchase from XXXX XXXX, is now disavowed with XXXX XXXX stating no record of that transaction exists. \n\n\nXXXX. XXXX XXXX initiated foreclosure under a fabricated loan number ( Loan # XXXX ), concealing the true origin and securitization status of XXXX # XXXX. \n\n\nXXXX. The foreclosure was executed without standing, constituting title laundering, fraud in the factum, and intentional concealment of the trust asset 's true ownership. \n\nConfirmed XXXX Predicate Acts and Federal Violations This pattern of behavior loan payoff concealment, fake loan numbers, void assignments, and title laundering meets the standard for XXXX predicate acts, including : Wire fraud ( 18 U.S.C. 1343 ) false digital records of default and ownership.\n\nMail fraud ( 18 U.S.C. 1341 ) fraudulent foreclosure notices via mail.\n\nBank fraud ( 18 U.S.C. 1344 ) misrepresentation of note ownership to HUD for foreclosure.\n\nDocument fraud ( 18 U.S.C. 1028 ) false endorsements, void assignments.\n\nFalse Claims Act violations ( 31 U.S.C. 37293733 ) obtaining FHA insurance proceeds under false pretenses. \n\n\nXXXX XXXX attempt to fabricate a default and assert XXXX ( holder in due course ) status over a paid and securitized loan is not just deceptive it is criminal. \n\n\nRequested CFPB Action We urge the CFPB to : 1. Expand the current investigation in Case XXXX. XXXX to include XXXX XXXX XXXX  XXXX XXXX. for : Mortgage fraud XXXX laundering XXXX violations False foreclosure filings XXXX. Refer the case to : XXXX Department of Justice ( DOJ ) for criminal investigation under XXXX and bank fraud. \n\nHUD OIG for False Claims Act violations involving FHA insurance.\n\nSEC for failure to disclose securitization defects to RMBS investors.\n\n3. Order : Immediate reversal of the foreclosure Return of title to the XXXX of XXXX XXXX, XXXX. \n\nRestitution for rents collected under the void deed XXXX damages under XXXX and full financial compensation for all harms incurred. \n\nRespectfully submitted, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX NY XXXX XXXX XXXX On behalf of the Estate of XXXX XXXX, XXXX. \nDate : XX/XX/XXXX 2025","date_sent_to_company":"2025-03-25T13:25:04.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"13760","tags":null,"has_narrative":true,"complaint_id":"12665547","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-03-25T13:04:04.000Z","state":"NY","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Loan sold or transferred to another company"},"highlight":{"complaint_what_happened":["<em>XXXX</em> ( Bank of <em>America</em> <em>XXXX</em> <em>XXXX</em> : <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>  <em>XXXX</em> <em>XXXX</em>. Confirms Loan Laundering Scheme and Fraudulent Foreclosure Based on BoA Admission <em>Dear</em> CFPB Officials, This addendum to Case No."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[18.03688,"12665547"]},{"_index":"complaint-public-v1","_id":"2897640","_score":17.974655,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Dear Sir/Madam, American Express ( Green Card ) account opened sometime XX/XX/XXXX, A MUST paid in FULL on a monthly basis ( under terms and conditions ). \n\nOn XX/XX/XXXX, my american express was fraudulently charged in the amount of {$1300.00}. XXXX by XXXX, I called in XXXX to dispute for Billing and Fraud, no  luck at all, representative were rude, did not do their job and I get numerous run around. I decided to call AMEX to file a fraud dispute on XX/XX/XXXX. Around XX/XX/XXXX,  American Express CLOSED the entire credit card with XXXX balance., including the disputed amount above. American Express failed and mishandled the fraud disputes every month, I made numerous calls with American Express via phone and email and online to re-disputes over and over again, but no to success. \n\nThese are the breakdown for disputed amount {$1300.00} ( XXXX XXXX ) ; {$490.00}, {$200.00}, {$200.00}, {$200.00}, XXXX \n\nFinally, after numerous calls, disputes and claims, around XXXX-XX/XX/XXXX american express partially provided me a credit in the amount of around {$300.00}, then, american express added the remaining disputed amount as a balance on my closed account. Then. Due to unsuccessful disputes made to amex to XXXX, amex keep adding the remaining balance on my closed account every month, I have to ensure that I have to call amex and I wont be charged for the reported balance and not to be reported as default to the credit bureaus. Around XXXX-XX/XX/XXXX I  was provided a second credit of around {$660.00} living a balance of {$290.00}. As of today, this balance still showing outstanding and I believed this is inaccurate. On XX/XX/XXXX, called in again to follow up in regards to the ongoing disputes, accrding to the representative the most current disputes still on pending and still being investigate again, American express is not resolving the fraud disputes multiple times, amex is not very helpful but keep hurting my credit record by reporting inaccurate data to the credit bureaus and this is a violated my rights and their terms and conditions under federal trade commissions \" Fraud Disputes \" section FCRA act. \n\nIn XX/XX/XXXX American Express reported a \" 30 Days past Due '' to the credit bureau and is impacted my credit record and huge impact on my credit score as well. I believed this also inaccurate and mistaken. How can a credit card that was being closed in XX/XX/XXXX with a XXXX balance around XX/XX/XXXX and has a current and ongoing fraud disputes be reported as 30 days past due? I believed this a huge mistakes and error, made by american express. I was never late with them paid the balance every month and all my other loans and credit cards and I have a good credit record standing. \n\nIn addition, Around XX/XX/XXXX American Express reduced and adjusted my yearly membership fees by {$47.00}. In Summary, this account should have been XXXX and with balance credit of {$47.00} and american took this money for no reasons. \n\nBelow are just the few disputes and confirmations that I made to American for your record for the duration of 14 Months ( 1 year and 2 months unsuccessful disputes ). \n\n$ XXXX - XXXX Date of transaction : XX/XX/XXXX Dispute Reference Number : XXXX $ XXXX - XXXX Date of transaction : XX/XX/XXXX Dispute Submitted : XX/XX/XXXX Dispute Reference Number : XXXX $ XXXX - XXXX Date of transaction : XX/XX/XXXX Dispute Reference Number : XXXX $ XXXX - XXXX Date of transaction : XX/XX/XXXX Dispute Reference Number : XXXX $ XXXX - XXXX Dispute Reference Number : XXXX XXXX XXXX XXXX, XX/XX/XXXX Amex Claim XXXX Spoke to XXXX XX/XX/XXXX Rep Id # XXXX Spoke to XXXX XX/XX/XXXX XXXX Spoke to XXXX XX/XX/XXXX No reference provided I was advised verbally she ( XXXX ) will followup at the back office and she can not provide a number and transfer me ( this is from Fraud Department ). \n\nThank you in advance and I am hoping to resolve this lingering issues, cause it hurting me record report and credit record and my livelihood and my health and financial situations. \n\nXXXX XXXX XXXX # XXXX XXXX XXXX email ; XXXX XXXX","date_sent_to_company":"2018-05-05T20:32:17.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"91406","tags":null,"has_narrative":true,"complaint_id":"2897640","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-05-05T18:41:41.000Z","state":"CA","company_public_response":null,"sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>Dear</em> Sir/Madam, <em>American</em> Express ( Green Card ) account opened sometime <em>XX/XX/XXXX</em>, A MUST paid in FULL on a monthly basis ( under terms and conditions ). \n\nOn <em>XX/XX/XXXX</em>, my <em>american</em> express was fraudulently charged in the amount of {$1300.00}. <em>XXXX</em> by <em>XXXX</em>, I called in <em>XXXX</em> to dispute for Billing and <em>Fraud</em>, no  luck at all, representative were rude, did not do their job and I get numerous run around. I decided to call AMEX to file a <em>fraud</em> dispute on <em>XX/XX/XXXX</em>."],"company":["<em>AMERICAN</em> EXPRESS COMPANY"]},"sort":[17.974655,"2897640"]},{"_index":"complaint-public-v1","_id":"4350323","_score":17.945938,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"XXXX XXXX, FL XX/XX/2021 Dear Consumer Financial Protection Bureau representative, By means of this document I would like to express my disagreement with Bank of America for a situation of a dispute that I filed on XX/XX/2021 about a fraud that was carried out on my credit card that I have with such bank which ends in XXXX and has not yet been fixed. \nLast XX/XX/XXXX, checking my online banking as usual, I realized that something was wrong in my account, the balance of my Bank of America credit card had been changed, and a balance appeared that did not correspond to my account. Before XX/XX/XXXX, my balance was for the amount of {$280.00}, however, when I checked, the balance increased suddenly to the amount of {$4700.00}. An amount of {$4500.00} had been added that I did not know the origin and the reason why that amount appeared in my account. When I saw this, I was alarmed and worried and I immediately made an online dispute ( XX/XX/XXXX ) protesting and claiming that I did not know the reason and origin of that charge, and that I did not accept it because it was not my responsibility. \nI contacted the Bank of America Fraud Department and they told me that this balance referred to a Balance Transfer in the amount of {$4500.00} that Bank of America had made from my account ( XXXX ). I told them that I had NOT requested or authorized any Balance Transfer. I understand that in order for a Balance Transfer to be made, the bank must have prior authorization from the customer and it also seemed very strange that the Bank had not contacted me, or warned me about this large amount of money, because a movement like that is not common in the account of a working class person like me and my wife. That was the reason for my claim and the objective of my dispute. Upon hearing this, they told me that an investigation was proceeding. \nAfter reviewing the bank statement for the month of XXXX, I realized that on XX/XX/XXXX they had removed the {$4500.00} charge from my account. I was happy to see this and I thought that everything had been clarified and finally we returned to the normality and get my account back with the actual balance. \nBut, on XX/XX/XXXX, I received a letter from Bank of America where they said that they could not approve my claim of the dispute and neither remove the amount of the Balance Transfer because they had determined that this Balance Transfer had been made by me from the Bank of America app on my mobile device or tablet.\n\nThis claim by the Fraud Department is absurd, false and difficult to understand because I do not ( and did not ) have the Bank of America app installed on my cell phone or tablet. All my online banking operations are carried out through the Bank of America website, using my desktop computer. \nAnother reason for my claim and dispute is that I had no need to request a balance transfer of any kind, because, fortunately, I have all my bank accounts up to date and with no debits. The Bank of America account ( currently ending XXXX because suspecting possible fraud or hacker activity they changed my account number ). \n\n\n\nARGUMENTS I DO NOT acknowledge, I do not accept, I do not approve and I am not responsible for the Balance Transfer ( {$4500.00} ) that I am disputing. \n1. I had no need to request any balance transfer.\n\n2. The Bank of America Fraud Department has not cooperated with me sufficiently and responsibly in providing me with details of the information they have, I mean that they, as a bank, have the details of the movement that was made, and can perfectly identify the account of origin and the account of the final destination, that is, who is the recipient of that amount of money. I think it is not difficult for them to disclose the destination of the balance transfer. Im pretty sure that the destination of those {$4500.00} were not any of my personal accounts previously verified with the corresponding banks.\n\n3. Bank of America 's Fraud Department tells me that, in their investigation, a credit card appears that ends in XXXX XXXX only that information they provided ) and that this account was the one that was used to carry out the balance transfer. Of course my answer was that I dont have any card with such account number. \n4. Bank of America 's Fraud Department tells me that this balance transfer was sent to my account in XXXX, which is not true since I already checked this information with XXXX and in my personal records they did not find any balance transfer for {$4500.00}, not even by mistake. \n5. They asked me to send them a clarification fax explaining in detail all the facts ; I did so and sent it to them that immediately.\n\n6. I called the Bank of America Fraud Department to see if there was any solution after sending the fax, and they asked me if I had recently traveled to XXXX, Georgia, to which I answered no. During the last year I have not traveled anywhere. \n7. The Bank of America Fraud Department asked me if I had any idea how they hacked my card or account? And my answer was no, of course.\n\n8. The Bank of America Online Banking Department informed me that on XX/XX/XXXX they had detected that someone tried to access my account, so they temporarily blocked it. \n9. I would like to mention that in one of my last calls to the Bank of America Fraud Department, I told them that, since Is not seeing a clear and definitive solution from Bank of America regarding the situation of the evident fraud, I was going to be forced to go to a higher instance that responsibly focuses on carrying out the pertinent investigations to solve the problems that the account holder has and defend their rights against corporations, companies and businesses in general. \n10. It is important to clarify that the bank sent me a last letter dated XX/XX/2021 informing me that as required by the regulations governing my account, they have contacted consumer credit reporting agencies to add a comment to my credit file indicating that I disagree with the bank 's decision regarding my claim. \n11. Currently reviewing my credit history ( FICO ) I realized that it dropped 13 points, so I need to resolve this situation that is hurting me a lot. I have never had any negative financial situation, all my payments have been made on time. This unpleasant and clear fraudulent situation with Bank of America is the first one to disrupt my credit history.\n\n12. When we consumers are victims of bad work by financial institutions, companies, stores, etc. and we are unable to resolve issues or situations with service providers, we always have the valuable help of specialized and responsible agencies to carry out the in-depth investigation and clarify situations like the one I am presenting at this time. I need you to once again defend consumer rights as you have always done and for which we are grateful. \n13. I attach all the documentation that Bank of America has sent me and what I have recorded from the Bank of America website such as account statements, and screenshots that I am sure will help you a lot in your work. \nThank you in advance for your help.","date_sent_to_company":"2021-05-04T04:27:53.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33026","tags":"Older American","has_narrative":true,"complaint_id":"4350323","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-05-04T02:48:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Credit card company isn't resolving a dispute about a purchase on your statement"},"highlight":{"complaint_what_happened":["<em>XXXX</em> <em>XXXX</em>, FL <em>XX/XX</em>/2021 <em>Dear</em> Consumer Financial Protection Bureau representative, By means of this document I would like to express my disagreement with Bank of <em>America</em> for a situation of a dispute that I filed on <em>XX/XX</em>/2021 about a <em>fraud</em> that was carried out on my credit card that I have with such bank which ends in <em>XXXX</em> and has not yet been fixed."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[17.945938,"4350323"]},{"_index":"complaint-public-v1","_id":"15150047","_score":17.883907,"_source":{"product":"Credit card","complaint_what_happened":"Dear CFPB, I am writing to formally raise a concern regarding a recurring credit card fraud issue involving my Bank of America credit card. Despite multiple attempts to resolve the matter through the banks internal channels, I have not received a satisfactory resolution or explanation. \n\nHere is a summary of the events : XX/XX/XXXXXXXX  : The first fraudulent transaction occurred. I reported it, and the bank refunded the amount. \n\nXX/XX/XXXXXXXX  : A second fraudulent transaction took place. I raised a claim, and the issue was resolved in XX/XX/XXXX, with confirmation provided in writing. \n\nDue to the lack of transparency and repeated issues, I chose to close the credit card account, ensuring there was no outstanding balance. \n\nHowever, in XX/XX/XXXX, I was unexpectedly invoiced for the same fraud amount that had already been resolved in XX/XX/XXXX. \n\nSince then, Ive spent approximately 1214 hours on calls with various departments at Bank of America, often waiting up to two hours per call, with no clear resolution. Eventually, I was advised by the billing department to pay the disputed amount with the assurance that it would be refunded. I complied, but more than a month has passed, and I have received no update or refund. \n\nThis experience has raised several concerns that I believe warrant public attention : Lack of internal coordination : If one department confirms resolution and another still charges the consumer, it leaves the consumer powerless.\n\nRisk of larger fraud amounts : While this case involved a relatively small amount, what happens if the fraud is substantial and the bank insists on payment before resolution? \n\nBroken communication : When bank representatives assure action but fail to update the case or follow through, consumers are left without recourse. \n\nI respectfully request that the CFPB investigate this matter and consider publishing guidance to protect consumers from such systemic failures","date_sent_to_company":"2025-08-07T16:01:06.000Z","issue":"Problem with a purchase shown on your statement","sub_product":"General-purpose credit card or charge card","zip_code":"33579","tags":null,"has_narrative":true,"complaint_id":"15150047","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-08-07T15:28:21.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Card was charged for something you did not purchase with the card"},"highlight":{"complaint_what_happened":["I raised a <em>claim</em>, and the issue was resolved in <em>XX/XX/XXXX</em>, with confirmation provided in writing. \n\nDue to the lack of transparency and repeated issues, I chose to close the credit card account, ensuring there was no outstanding balance. \n\nHowever, in <em>XX/XX/XXXX</em>, I was unexpectedly invoiced for the same <em>fraud</em> amount that had already been resolved in <em>XX/XX/XXXX</em>."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[17.883907,"15150047"]},{"_index":"complaint-public-v1","_id":"10923193","_score":17.535074,"_source":{"product":"Money transfer, virtual currency, or money service","complaint_what_happened":"I reported a fraudulent transaction on my account which customer service agreed was \" a clear cut case of fraud '' and told me money would be back in 48-72 hours 10 days max. Things started to get suspicious when I called in to check on the status of my claim after a week had passed with no update and I was told that I would not have a resolution until a much later date. I reached out to XXXX for help, and I received a call from someone named XXXX at Bank of America \" Enterprise Resolution. '' I responded to him as such : -- -- -- -- - Dear XXXX, Thank you for reaching out. \n\nI have been having a very difficult time dealing with Bank of America after reporting fraud on the account on XX/XX/XXXX. \n\nI was called by an 800 number that was linked to Bank of America customer service and instructed by an agent to follow their instructions to prevent a wire transaction on my account. I followed the instructions provided, only to discover that the call was not legitimate and {$2400.00} had been transferred out of my account. I reported this to Bank of America the same day ( XX/XX/year> ) over the phone with the fraud department and was told the funds would be easily recoverable in this \" clear cut fraud case '' and that I was being sent paperwork by email I needed to complete to get my money returned. The email never arrived. I had to go to the branch twice to get the claim moved forward. On the second visit, I was told I had to complete a \" Scam Victim Acknowledgment, '' even though I disagreed with the premise of the form, which implied I initiated/requested/authorized the transaction, which is false. I have never used XXXX, I did not sign up for XXXX, and I never authorized {$2400.00} to be moved out of my account. However, I was told it was just an essential part of the paperwork and I needed to fill it out that day at the bank to get my money back. I was told after completing the form, my money would be returned to my account in 10 business days or less. \n\nI have called in multiple times to check on the status of the return of funds over the course of this week, and the fraud department has told me a dozen different things. Some have told me the funds will be returned by XX/XX/XXXX, another by the XXXX, and some have said they can not provide a date. All of them refused to provide status updates or share any information about what was happening. \n\nSince this occured, I have been looking into what happened and my rights. This clearly falls under the Regulation E policy, and my understanding is that based on federal law, the bank needs to provide credit within 10 days of fraud being reported. Which would have been yesterday, XX/XX/XXXX. \n\nI feel misled by the bank, by the representatives who have provided such unclear instructions and failed to act in a timely fashion, and the trauma of the incident honestly has left me wondering whether this email is legitimate or this is another attempt to commit fraud against me. I have been nothing but cooperative, but when it gets to the point where I am being given so much conflicting information, I do not trust that Bank of America is actually working to resolve this fraud claim in the correct way or to get my money returned to my account. The bank should be able to see the IP address that initiated and completed this transfer and see that someone from a different IP address initiated and executed this transfer. I don't even know who the recipient of the transfer is or if they live in my state or even my country. They did this transfer without my knowledge or permission. I have never used XXXX, and I am shocked that Bank of America would not have done anything to block the transfer or put time in place before processing a first-time transfer of such a large sum of money. Indeed, since reporting the incident I have been locked out of access to most of my account features, even though I have taken all the steps to protect my account from future fraud. I am left 10 days post claim wondering what has happened and why what representatives told me was a clear case of fraud that would likely be resolved in 48-72 hours and 10 days at the most. \n\nI called twice yesterday after receiving your message and was unable to get through. I left a message, and I hope to speak with you on Monday so we can get this matter resolved in a timely fashion. \n\nThank you, XXXX XXXX -- -- -- He called me today and told me that I did not have a fraud on my account but was experiencing a \" billing error. '' He told me I had no protection under Regulation E. \n\nThis is patently false. This is not a billing error. This is a situation in which someone used my account without my knowledge and against my will to falsely transfer funds. Bank of America put my debit card on block for a week to investigate, causing me hardship, hours of wasted time on the phone with the fraud department, and hours missing driving back and forth to different ATMs. They said it was all part of their fraud investigation and that was why I could not use my account, but now they claim that this is just \" a billing error? '' This is completely unacceptable, and I want the issue escalated to someone who will actually take this seriously and follow the federal law regarding this issue, not this person from customer service who is doing nothing to help. \n\nI sent the response below today : -- -- -- - Consumer Financial Protection Bureau Claim XXXX / BASS Claim Number XXXX Dear XXXX, I am writing to follow up on my claim, which you say you are denying by claiming that this is a billing problem rather than an unauthorized transaction.\n\nI would like to clarify and formally request a reconsideration of my case under Regulation E.\n\nThe transaction in question was unauthorized as defined under Regulation E, which specifies that an unauthorized electronic fund transfer is one initiated by someone other than the account holder without the account holders authorization and for which the account holder received no benefit. In this case : I was contacted under false pretenses by a party claiming to be the Bank of America fraud department, and funds were transferred from my account without my consent. \nI did not authorize this transaction, and it is therefore not a billing issue This was an unauthorized electronic fund transfer - I did not knowingly authorize this transaction to take place. No one \" walked me through the steps, '' they called me with access to my account and initiated and completed the transfer from their device. The code they requested was supposed to block any funds coming out of my account, it was never knowingly or willingly meant to authorize a transfer. This was not voluntary access and I received no benefit. This is the situation that Regulation E is meant to protect me against. If you gave me incorrect instructions on how to file my claim and incorrect information that I would have my money returned in 10 days, that is your responsibility. I have done everything I can to accurately report this incident of fraud.\n\nRegulation E places the responsibility on financial institutions to investigate unauthorized transactions promptly. You are also supposed to have provided credit to my account in 10 days. \n\nPlease provide a written explanation as to why this claim was categorized as a billing issue rather than a fraud claim, as this does not make sense to me and it seems that Bank of America handled this case improperly, as has been asserted previously and was what prompted me to file a claim with the CFPB XXXX. \n\nTo classify this as a billing problem makes absolutely no sense, and you have now violated the I appreciate your attention to this matter and look forward to your response. \n\nI have copied the XXXX to associate this with my claim and the Bank of America fraud department. \n\nThank you, XXXX XXXX -- -- This has gotten completely out of control, and I don't understand how the bank is able to skirt the law and to fail to protect their customers and no one seems to take this seriously at all.","date_sent_to_company":"2024-11-25T23:10:31.000Z","issue":"Fraud or scam","sub_product":"Domestic (US) money transfer","zip_code":"30087","tags":null,"has_narrative":true,"complaint_id":"10923193","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2024-11-25T23:00:07.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I reached out to <em>XXXX</em> for help, and I received a call from someone named <em>XXXX</em> at Bank of <em>America</em> \" Enterprise Resolution. '' I responded to him as such : -- -- -- -- - <em>Dear</em> <em>XXXX</em>, Thank you for reaching out. \n\nI have been having a very difficult time dealing with Bank of <em>America</em> after reporting <em>fraud</em> on the account on <em>XX/XX/XXXX</em>."],"issue":["<em>Fraud</em> or scam"],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[17.535074,"10923193"]},{"_index":"complaint-public-v1","_id":"4117493","_score":17.282356,"_source":{"product":"Checking or savings account","complaint_what_happened":"Dear Sir/Mam, I did initiated 3 BillPay transactions from Bank of America BillPay on XX/XX/XXXX & XXXX for the amount of {$2300.00}, {$4500.00} & {$4900.00} and scheduled to pay my loan account of 11.45 % interest rate with XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX respectively. \nFirst of all, the check amount of {$2300.00} and {$4500.00} on XXXX XXXX and {$4900.00} was on XX/XX/XXXX was deducted from my Bank of America Checking account. After complaining that the funds were not paid to the recipient loan account @ XXXX XXXX XXXX XXXX, I received an update from Bank of America that 2 checks {$2300.00} and {$4500.00} were encashed by XXXX and {$4900.00} was not, whereas XXXX confirmed that the bank did not encash the funds, so Bank of America understood the checks were encashed by an unknown ... which is fraud. After knowing that {$4900.00} was not encashed I did requested to cancel the {$4900.00} check and refund the money back to my account. The {$4900.00} was deposited back to my account on XX/XX/XXXX - after 7 days from the date of complaint. \nNow going back to 2 checks that were encashed, Bank of America took almost 45 days to fax the check copies and collect an affidavit confirmation from XXXX and without my follow up every 3 days and coordination between the 2 Banks it would have not been possible at all. \nNow after receiving the affidavit on XXXX, XXXX, that the payment has not been encashed by XXXX, the money deducted from my account {$2300.00} and {$4500.00} should have been refunded back to me as I understand all the accounts are FDIC insured with Bank of America. \nAs a single family income member, lose {$6800.00} for about 2.5 months is a very bad economical crisis and on the other had the funds were supposed to be paid to a loan account of interest rate 11.45 %. \nThe process of Bank of America with respect to sending or receiving fax and send/receive mails is very unprofessional and it needs to be fixed. \nOn top of all that, how can Bank of America authorize a fund clearance when the check is encashed by a wrong recipient when it's a BillPay check generated by Bank of America Back Office and marked to a specific account number with XXXX. \nSecondly, when the transaction has been identified as fraud why is the fund not returned back to my account & why the FDIC claim not initiated by Bank of America, why does the consumer have to wait on refund which directly impacts the consumer and his economical conditions ... Why is Bank of America not able to put consumer priority first to refund the money to the consumer while the account is FDIC insured and then continue with the investigation whereas the consumer is not directly involved in such a fraudulent transaction?","date_sent_to_company":"2021-02-04T21:55:29.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"77450","tags":null,"has_narrative":true,"complaint_id":"4117493","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2021-02-04T20:31:00.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem making or receiving payments"},"highlight":{"complaint_what_happened":["<em>Dear</em> Sir/Mam, I did initiated 3 BillPay transactions from Bank of <em>America</em> BillPay on <em>XX/XX/XXXX</em> & <em>XXXX</em> for the amount of {$2300.00}, {$4500.00} & {$4900.00} and scheduled to pay my loan account of 11.45 % interest rate with <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> on <em>XX/XX/XXXX</em> and <em>XX/XX/XXXX</em> respectively. \nFirst of all, the check amount of {$2300.00} and {$4500.00} on <em>XXXX</em> <em>XXXX</em> and {$4900.00} was on <em>XX/XX/XXXX</em> was deducted from my Bank of <em>America</em> Checking account."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[17.282356,"4117493"]},{"_index":"complaint-public-v1","_id":"2799593","_score":17.032555,"_source":{"product":"Checking or savings account","complaint_what_happened":"Fraud was done on my account of Bank of America. Somebody stole information and managed to do purchases in the amount of {$1400.00} during XX/XX/XXXX and XX/XX/XXXX. \nThe Bank admitted at first that it was fraud but is now saying that no error was done and that all credits given will be reversed plus all fees incurred will be charged to me. \nBank of America Claim # XXXX are reaching out to the Office of Financial Regulation State of Florida in regards to criminal activity done to our Business Account XXXX at Bank of America. \n\nFor the record, this is the text exchange between Bank of America and XXXX XXXX : Text from Bank of America Date : XX/XX/XXXX - time : XXXX XXXX \nFREE TEXT from Bank of America : Message for Dear XXXX XXXX XXXX XXXX, XXXX re : debit card # XXXX. To continue using your card, please verify these 3 transactions. \n\nText from Bank of America Date : XX/XX/XXXX time XXXX XXXX \nXX/XX/XXXX - XXXX XXXX # XXXX - {$400.00} ( Declined ) ; XX/XX/XXXX - XXXX XXXX XXXX - {$1100.00} ( Approved ) ; XX/XX/XXXX - XXXX 'S # XXXX - {$88.00} ( Approved ) Text from Bank of America Date : XX/XX/XXXX time XXXX XXXX \nIf you attempted all 3 of these transactions, reply YES. If you do not recognize one or more of them, reply NO. To opt out of text alerts reply STOP. \n\nText from XXXX XXXX Date : XX/XX/XXXX time XXXX XXXX \nNO Text from Bank of America Date : XX/XX/XXXX time : XXXX XXXX \nFor your protection, we have restricted your card. Please sign in to Online Banking or call XXXX to reactivate your card. \n\nI, XXXX XXXX proceeded to call Bank of America at XXXX, immediately. During this conversation I claimed that the following charges were not made by me, not authorized by me, nor did I have any knowledge whatsoever that these transactions had occurred, nor by whom. \n\nThe charges in dispute are : XX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX {$98.00} XX/XX/XXXX - XXXX XXXX/XXXX FL {$99.00} _________ TOTAL : {$1400.00} For some reason the amount of {$99.00} was deducted twice, which was what actually tipped off the bank and why they sent the initial texts. \nThey also tried to make a {$400.00} purchase at XXXX XXXX which was declined. \nHence, not a part of this claim, but still indicative of criminal and fraudulent activity. \n( See text from Bank of America dated XX/XX/XXXX ) ) The person I spoke to asked me : Do you still have your card? \nI answered : yes Did you make the payment at XXXX XXXX XXXX of {$1100.00}? \nI answered : yes, that is a legitimate expense at the dentist. \nDid you use your card at a gas station? \nI answered : yes On XX/XX/XXXX I used the card at XXXX gas station on XXXX XXXX, XXXX XXXX. \nWe both made the assumption that somebody had read my card, while still in my hand, or purse. \n\nThen she told me that the bank would credit my account with the amounts in question as they recognized that these charges were fraudulent. \n\nTherefore, the following temporary credit adjustments were done to the account : XX/XX/XXXX Temporary Credit Adjustment {$1200.00} XX/XX/XXXX Temporary Credit Adjustment {$98.00} XX/XX/XXXX Temporary Credit Adjustment {$99.00} On XX/XX/XXXX, I received a letter from Bank of America dated XX/XX/XXXX with a Fraud Statement Form attached to be filled out and signed, which I did. \n\nI mailed the duly filled Fraud Statement on  the same day XX/XX/XXXX. \nUnfortunately, I did not keep copy of that form. \n\nOn XX/XX/XXXX, I received a letter from Bank of America dated XX/XX/XXXX stating that they concluded that the charges were not fraudulent and that all the credits amounting {$1400.00} were going to be reversed. In addition we would be charged with all the fees related to this claim. ( See attached letter dated XX/XX/XXXX ) Our company opened this account in XX/XX/XXXX of the year XX/XX/XXXX. \nIn 18 years, I, XXXX XXXX, XXXX,  have been the only person with a signature and authorization to operate this account. \n\nNever, ever, in my wildest dreams would I go to a hotel and spend {$1200.00} in one night. It is ridiculous! Not to mention, another {$98.00} in a restaurant, another XXXX at yet another hotel, plus attempt to make a {$400.00} purchase at XXXX XXXX. \n\nOn XX/XX/XXXX, I called the bank at phone number XXXX and spoke to XXXX. \nI asked her how they came to their conclusion. She told me : - The person who used the card knew too much about me - The card was used locally - The card was still in my possession So I asked her : - Did you do a proper investigation? \n- Did you send detectives to the places were the card was used and asked to check footage on their cameras? \n\nTo which she answered : - No, we dont need to do that So I said : Well, it seems that you do need to properly investigate, because you are insulting me, a client of 18 years, in other words calling me a liar and a thief. \nBecause you are now telling me that you have come to the conclusion that whatever I said before was a lie and that I, or someone authorized by me went onto a spending spree that night. \n\nI am outraged, appalled, offended, insulted and can not believe that the bank that my company has been banking with for 18 years, has not only not protected my hard earned money against criminals, but has made me to be the offender, when I am the victim! \n\nI am seeking the help of the CFPB and I will do anything that is necessary to clarify this situation. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX XXXX","date_sent_to_company":"2018-01-31T21:14:34.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"33067","tags":null,"has_narrative":true,"complaint_id":"2799593","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2018-01-31T20:30:17.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Problem using a debit or ATM card"},"highlight":{"complaint_what_happened":["Bank of <em>America</em> <em>Claim</em> # <em>XXXX</em> are reaching out to the Office of Financial Regulation State of Florida in regards to criminal activity done to our Business Account <em>XXXX</em> at Bank of <em>America</em>. \n\nFor the record, this is the text exchange between Bank of <em>America</em> and <em>XXXX</em> <em>XXXX</em> : Text from Bank of <em>America</em> Date : <em>XX/XX/XXXX</em> - time : <em>XXXX</em> <em>XXXX</em> \nFREE TEXT from Bank of <em>America</em> : Message for <em>Dear</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em> <em>XXXX</em>, <em>XXXX</em> re : debit card # <em>XXXX</em>."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[17.032555,"2799593"]},{"_index":"complaint-public-v1","_id":"12086597","_score":16.954538,"_source":{"product":"Checking or savings account","complaint_what_happened":"Urgent Assistance Required Unauthorized Transactions on My Bank of America Account Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance regarding unauthorized transactions that occurred on my Bank of America accounts. \n\nOn XX/XX/XXXX at approximately XXXX XXXX, I noticed an unauthorized transfer of {$50000.00} from my savings account to my checking account. I immediately contacted Bank of America to report this issue. However, I was informed that I needed to call back at XXXX XXXX  when online banking support would be available. \n\nAt XXXX XXXX, I contacted Bank of America 's online banking department, and they informed me that {$41000.00} had been used for purchases on \" XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX within a span of just 30 minutes. I immediately informed them that I had no knowledge of these transactions and did not authorize them. Shockingly, they claimed that I had verified these transactions. In response, I rushed to my local branch to present evidence, including text messages showing that I had been responding to fraud alerts with HELP. \n\nBank of America subsequently opened a case ( XXXX XXXX : XXXX ). However, despite my repeated follow-ups, no action has been taken to recover my stolen funds. This money was intended to be used as a down payment for my home, and its loss has caused significant distress. \n\nGiven the banks inaction, I also filed a police report, and the case has been assigned the following number : XXXX. \n\nPrior to this incident, my credit card with same Bank of America on XX/XX/XXXX I was charge {$1800.00} and I reported that immediately and no action was taken and no action has been taken other than sending me a new card when I was stilll in possession of my old card. I want this addressed too. I do have other account and credit card with another bank and I DID NOT have any issue with it. So this is an issue with Bank of America. \n\nWhat is most concerning is that Bank of America typically verifies even minor transactionsfor instance, they have previously called me for authorization when making a {$200.00} payment. However, in this case, where a substantial sum was transferred and spent within a short period, no hold was placed on the transactions. This suggests a serious failure in their fraud prevention system, and I firmly believe they must take responsibility for this lapse and refund my money. \n\nI am seeking the CFPBs intervention to ensure that Bank of America thoroughly investigates this matter and returns my funds as soon as possible. I appreciate your urgent attention to this issue. \n\nSincerely, XXXX XXXX","date_sent_to_company":"2025-02-21T21:22:59.000Z","issue":"Problem with a lender or other company charging your account","sub_product":"Savings account","zip_code":"21060","tags":null,"has_narrative":true,"complaint_id":"12086597","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BANK OF AMERICA, NATIONAL ASSOCIATION","date_received":"2025-02-14T13:53:03.000Z","state":"MD","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Transaction was not authorized"},"highlight":{"complaint_what_happened":["Urgent Assistance Required Unauthorized Transactions on My Bank of <em>America</em> Account <em>Dear</em> Consumer Financial Protection Bureau ( CFPB ), I am writing to formally request your assistance regarding unauthorized transactions that occurred on my Bank of <em>America</em> accounts. \n\nOn <em>XX/XX/XXXX</em> at approximately <em>XXXX</em> <em>XXXX</em>, I noticed an unauthorized transfer of {$50000.00} from my savings account to my checking account. I immediately contacted Bank of <em>America</em> to report this issue."],"company":["BANK OF <em>AMERICA</em>, NATIONAL ASSOCIATION"]},"sort":[16.954538,"12086597"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":140,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":140}]}},"product":{"doc_count":140,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking or savings account","doc_count":29,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":22},{"key":"Other banking product or service","doc_count":4},{"key":"Savings account","doc_count":3}]}},{"key":"Money transfer, virtual currency, or money service","doc_count":26,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Domestic (US) money transfer","doc_count":10},{"key":"Mobile or digital 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