Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit card protection / Debt protection Arizona

On - 2016, - ( a computer online back-up service ) made charges to my account that were not approved. I made contact with Bank of America to file a fraudulent claim against the charges. Bank of America told me to make contact with - and try to resolve the charges before making an official fraud claim with them. I contacted - and told them that the charges that were made to my account were fraudulent and were not valid or approved. - used my Bank of America credit card number that was more than two years expired to make the charges for their services ( again which I never approved ). Somehow, even with a credit card number that was more than two years expired, the charge was approved through Bank of America. I then called Bank of America back and explained what had taken place. They told me that the - charges were approved because they were charged against a valid and active credit card account ( which is true ), even though the actual credit card number that was used was


My problem is that the - charges were not made by me, approved by me and it seems that Bank of America does not seem to find this troubling in any way. This credit card is not in active use, it 's been the 2 years since I 've used it, for -. This should have been a red flag that this is not a regular occurance. Banks moitor cards all the time for irregular use. What happened to actual credit card fraud and trying to find ways of of stopping it from happening in the first place? I thought ( forgive me for being ignorant ) that if and when a credit card number becomes expired, it means that the number no longer works and the merchant would have to pursue the customer for updated information. However, if Bank of America is approving these fraudulent charges and making the " approvals on behalf of the card holder '' based on a more than two year expired card, what kind of security and consumer rights are in place? Better yet, if they are making the approvals for the card holder when an expired card is used, why should the card holder be responsible for the charges?