Thread: Bank of America credit card fraud department refuses to help

Hi everybody who could help me.

my bank of america credit card was stolen at home before (with the pin #). The guy fraudulently used it for some cash advances and some purchases as well. I noticed it 2 weeks after and called up to cancel the card immediately. The outcome from bank of america's credit card fraud department is that they are asking me to pay the amount. I kept writing them letters that it is not me who used the card but they keep sending me those monthly statements with added interest charge as well.

Can anybody help me how to fight this problem. Is there any enforcement I could talk to for solving this problem?

Also, not just my bank of america card, but all of my other branded cards were stolen too. but they are willing to credit me back those charges. I am just having to deal with bank of america now.

Please I need your help as soon as possible.

You are a merchant and they are holding your money hostage? What is the reasoning were you doing anything that could be considered shady that would be a valid excuse for that to be done?

no, i am not the merchant.

i am the final user who uses the card. but then my card was stolen and some charges happenend to my card as well.

Pls help if you there is any ways to fights against bank of america as they are rejecting my fraud claims.

Where are you? Your profile says you are in Hong Kong. If so then you will be covered by the rules there.

In general, when you make a fraud complaint you will be asked to submit an affidavit to the credit card company swearing teh charges are not yours. Did you do that? If you claim your cards were stolen then you will also sometimes be asked to file a police report. Did you do that?

I have no experience with B of A. But I have had to deal with fraudulent charges a couple of times. The companies have always been extremely good about it.

I had a difficult time before with B of A's fraud dept not honoring my claim. It was many years ago in '04 or '05 and I got scammed on a membership service which I was getting billed for. Initially my money was refunded back to the credit card by B of A then that decision was reversed a few weeks later. SInce that time I have been weary of Bank of America. Remember B of A is the number 1 biggest issuer of cards in the US and that could be why their service suffers. When more selective creditors like American Express handles things you get treated better than a joe schmoe who is one of 100,000,000. Think of all the subprime riff raffs in B of A's cardmember base who scam the system and file false chargebacks and then when a serious customer like me files legitimately it is viewed as all the same.

I understand your frustration but you have to admit that keeping the pin with the card and reporting it two weeks after is not the most responsible thing to do. While the bank has an obligation offering you all the benefits/protections that comes with your card, you agreed and are somehow obligated to keep the card in a safe manner. If this was a break-in then you should have reported this to all your cards on the date of the break-in, if it wasn't a break-in and stolen from your place, then at least you can guesstimate who the bad guy is.

I believe that this is a reminder on how to take care of our credit cards. Not just because credit card is just a piece of plastic, we don't keep it properly. Worse, having the pin with it. B of A probably can't reconcile why the report on the fraud came two weeks after. The best in this situation is to have an affidavit signed by proper authorities to establish the incidence of theft.

Hi

I used to live in U.S.A. 3 months ago. I left U.S.A. permanently and moved to INDIA on July 27,2011. I closed all of my bank accounts and credit cards. As I closed all accounts so I didn't login to bank's websites again. As I left U.S.A. permanently so I never checked my credit report again.

Today I received an email from Bank Of America (B.O.A.) that my email address has been updated so I logged in to their website and found that there was a balance of $11,000 (in Oct. 2011 month). All transactions were made after Oct. 8, 2011. It shows last 4 digits of a new account number. I am going to inform B.O.A. immediately that I am not responsible for this. All transactions were made in U.S. while I was In India. I have my passport as a proof that I left U.S.A. on July 27, 2011 and never came back to U.S. so I can prove that I didn't make these purchases.

What happens if B.O.A. say that I owe that money. Will I have to pay that money? What are the steps that I should follow to handle this problems? Remember that I am still in INDIA and it is not easy for me to make too many expensive international calls and visit U.S.A. and contact someone (in U.S.) in person.

Have you ever gone through the same situation? What did you do in that situation?

Please suggest a way by which I don't pay $11000 amount.