Bank of America Credit Card Complaint

Bank of America Credit card department,

Credit card protection / Debt protection New York

My wallet was stolen in -/-/2015 on the subway in - around -. I realized I did not have possession of my wallet around - that day, and I immediately went to the closest Bank of America banking center to report the fraud totaling $370.00 and cancel my card. There were - fraudulent transaction, all within 2 hours - - BoA chose to recognize as fraud, and the - larger charges were denied. They stated that my PIN was entered at the time of purchase. Knowing this was false, as it was not me, i contacted the merchant and obtained copies of the receipts. Both receipts show the transaction was signed for - - different signatures minutes apart, neither being my own. After the initial claim was denied, I filed another with paperwork, including : receipts, ID replacement receipt, - replacement receipt and a written explanation of events. A bank associate faxed these documents in. I received no notification/communication for over a month.


I called and visited the banking center several more times, with the employees never being able to find the claim information. I spent another 1.5 hours at the banking center today, where they placed me on hold with the call-center, while the associates stared at me smiling, and decided what to order for lunch. After - transfers, the fraud specialist did find the paperwork that had I had previously filed, but stated that the notes stated it was not referenced during the 2nd investigation. Again, the claim was denied due to an " electronic authorization '', PIN entry at purchase, even though there was clear evidence the transactions were signed for fraudulently. She then advised she was unable to escalate the claim further, as too much time had past, and suggested I reach out to the merchant to reimburse me.