Just hoping to get their attention at Bank of America. Links would be most welcomed, just to give this post a temporary bump in the Google search results. C'mon, you've given the harassed, grandma-bus monitor well over half-a-million dollars, all I'm asking is one link. Let the wee people of America be heard.
After going through the Bank of America fraud claim process, which was a huge pain in the ass, Bank of America re-charged my account for some of the obviously fraudulent charges that I wrote about back in the end of April. At the time, it was Bank of America that actually flagged these charges as fraudulent, almost immediately.
I must have had three or four lengthy phone calls with Bank of America fraud dealing with this matter. Their fraud department dealt with the fraud in dribs and drabs, mailing three claim questionnaires for me to complete. I completed and returned all of the forms promptly.
I received automated phone calls that left messages telling me that that they'd received the forms and there was no need for me to take any further action. Up until to now, I've been patient and nothing but pleasant and fully cooperative. I want them to nail the thieves, some of whom are traceable due to the nature of the transactions.
So now I see that Bank of America just re-debited my account for several of the fraudulent transactions.
I called claims, which is an ordeal in and of itself because their automated phone system doesn't yield easily to this kind of call. When I finally reached a live human being in the claims department, I had to re-tell the story I've already told several times, before I was transferred to someone else and had to tell the story again.
Their records show that someone tried to call me to ask a question about the claim and I had no voice mail so they couldn't leave a message. Funny how that works. Nobody else has complained that they couldn't reach my voicemail, and the Bank of America automated call system called and left messages on my voice mail telling me I didn't need to take any further action on the claims.
So now they've judged the fraudulent charges as my charges or deemed me uncooperative or whatever and re-debited my account for the fraudulent charges. The fraud representative said today that they would reopen the case, but the charges stay on my card until and if they reverse their decision. Oh, and they'll need to speak with me again, by phone, even though, today, I answered the questions they were supposed to ask when they couldn't reach me by phone. I have no voicemail, you see, except when it's the Bank of America fraud department's automated-call system calling and leaving a voicemail telling me that I do not need take any further action on my claims.
Today, I asked the fraud representative if they could contact me by email, just to give me a head's up, in the event that they have trouble leaving a phone message again. No can do. Apparently the fraud department can't send an email to say we're trying to reach you, though they did send an email alert when the fraud was first detected, and Bank of America regularly spams my email account with promotions. I guess phones and email accounts only work when Bank of America machines are making the phone calls and sending the emails.
After all the trouble Bank of America has gotten into for ripping off their customers with fee shenanigans and mortgage fraud, you'd think they'd try a little harder to not continue screwing with the customers, but here's the icing on this fraudulent cake: I learned on the news about three weeks after the fraud that my card may have been compromised along with many, many thousands of other Bank of America cards because of a breach of Bank of America security. Their fault, but it has turned into my problem.
I've had this particular account for over 20 years. I guess they think I just got up one day in late April 2012 and decided to falsely claim fraud for airline tickets between cities I've never visited, and charge a child's tuition to a Catholic school in Connecticut. Bank of America has the names of the people who did this, but they can't seem to go after the criminals. They seem more determined to screw their customer, instead.
Here is what would make me happy: re-credit my account without delay; email me if you can't reach me by telephone; and tell me why the F you have to talk to me yet again, even though I answered all of your questions. And if you want to go the distance, let me know if my account was one of those compromised by your lax security, admit your wrongdoing and apologize. Hey, I can dream.
The account as been re-credited for the false charges. Thanks to all those who spread the word and provided wise counsel.