Bank of America Complaint: Using a debit or ATM card

#1777525 9 Feb 2016

Bank account or service Checking account

Complaint #1777525 submitted on 02/09/2016 relating to Bank of America. Complaint relates to Bank account or service Checking account - Using a debit or ATM card .

Complaint was submitted via Web and sent to the company on Tuesday 9th February 2016.

Narrative (may be redacted).

On 6 occasions in the last 5 months, my debit card has been declined for " unusual activity '' at Bank of America. I have called on numerous occasions to determine the reason for the fraud alert, as the transactions have always been in my local area, within what any reasonable person would consider normal activity, and for low dollar amounts. Upon an inquiry/complaint call, I had asked for a supervisor to research the reason for the decline and to return my call with the results. However, I did not receive any further communication from Bank of America. On a subsequent debit card freeze, this oversight was mentioned to the representative, but I was not offered a specific explanation as to why the transaction was deemed " suspicious. '' On the most recent occasion ( today ), I was told that the error was a " mismatch, '' which was explained as the merchant not using a EMV chip reading device. However, my card is swiped at many merchants, and these fraud alerts are not triggered. Furthermore, I have traveled to various locations in the US during my relationship with Bank of America, and never once has a single transaction been flagged for potentially suspicious activity. I contacted Bank of America to compile every occurrence in order to accurately complete this complaint, but I was told that Bank of America associates do not have access to retrieve that data beyond XXXX XXXX, XXXX. However, I was able to filter through my e-mail account and retrieve all e-mails that were sent to me on each occurrence of a suspicious activity alert. I feel that these declines were malicious and targeted, especially considering my warning to Bank of America that a complaint would be filed should this situation occur again. It is incredibly embarrassing to have a card declined at a merchant when funds were always available in the account and this has occurred on numerous occasions in such a short period of time.

The dates this issue occurred ( since Bank of America is unable to adequately supply this information ) are : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX I find it ( and Bank of America should, too ) ridiculous that a consumer must experience so many issues with his/her debit card and that nobody took the initiative to research and provide a valid solution. This issue was left to continue for an indefinite period of time, even after frustrations have been communicated.

Have you dealt with Bank of America?

Leave your comments and feedback below.