Bank of America Bank Account Or Service Complaint

Bank of America Bank account or service department,

Checking account Using a debit or ATM card North Carolina

On -/-/-, I attempted to make a purchase at the -, - - in the amount of $51.00 using my Bank of America Debit Card which is linked to my checking account. I inserted the card ( with a chip ) into the machine and after waiting nearly a minute, the clerk asked me to remove the card and insert it again, which I did. After nearly another minute, the clerk advised me the sale was declined and asked if I had another card I could use to make the payment. I said I did, but preferred to use cash instead. I completed the transaction using cash for $51.00. The next day, I checked my online banking statement and saw that - transactions for $51.00 at the - - were pending. Several days later, I noticed the transactions had cleared and my account was charged $100.00. On or about -/-/-, I filed a claim with Bank of America for the incorrect charges. I was asked at that time if I had the receipt for the cash purchase and I explained that I did not. Several days later, I was advised the - charges totaling $100.00 would be temporarily credited to


On -/-/-, I received a letter from Bank of America stating " We 've completed our review of these claims and have determined that no errors have occurred in this instance. '' Further, the total amount of $100.00 will be reversed from my account on -/-/-. I immediately called Bank of America Customer Service at - and spoke to - in - with the Fraud department. He stated that the claim was denied because I could not produce the receipt proving the transaction was completed by cash. I informed him that the issue is that I did not provide a PIN nor did I sign a credit charge at the time of purchase and it does not matter whether I completed the purchase or not or how I paid for it. After some insistence, - finally decided to escalate the claim but I have my doubts to the outcome since he said it was my responsibility to prove my claim by providing the cash receipt.