BANK OF AMERICA IS NEGLIGENT GREEDY AND EVIL! THEY ARE REFUSING TO CREDIT THE FRAUDULENT CHARGES ON MY CARD AND THEY ARE DESTROYING ME CREDIT AND MY LIFE. Wilmington Delaware
I went to Bolivia for a family emergency and tried to use my Bank of America Mastercard there. Every merchant told me that the Bank of America card was not working especially the hotel where I stayed. I tried calling Bank of America from Bolivia but none of the telephone numbers that Bank of America worked from Bolivia. Since the card didn't work at the hotel the hotel in Bolivia notified the local police and I explained to the police my problem and they advised me to use my Bank of America card at an ATM machine and withdraw cash so I can pay the hotel and avoid any legal issues so I called my mother in the United States from Bolivia who is also on my Bank of America mastercard business account and told her my problem. She called Bank of America that same night more than once and they gave her a PIN number to give to me. Bank of America is so incompetent that the PIN number they gave her to give to me was my date of birth. I have no experience with credit cards but I know that you never use your date of birth or the last 4 of your Social Security number for a Pin number. Common sense tells you that. Anyway, I tried to use the Pin number that she gave me and it still didn't work. I got messages in Spanish and I don't understand Spanish well unfortunately. So I kindly asked a police officer to acompany me to the ATM machine and explain to me what the message was saying. Him and I went to 2 ATM machines and one ATM machine said invalid Pin number and the other said Insufficient funds. So I gave up and I called my mother and had her wire money to me so I can pay the hotel in Bolivia. After I paid the hotel I left that hotel of course because I thought I was treated unfairly so I stayed at a different hotel and more economical. I put my credit card away in my suitcase and covered it with a bunch of clothes. I wasn't even worried about my credit card since it didn't work anywhere in Bolivia. (so I thought). Somehow I can't find out what happened but my credit card and a few items from my suitcase were stolen more than likely from the hotel that I stayed but i'm not exactly sure. I didn't find out that they were missing until I arrived in the United States. When I found out that my Bank of America card was missing I immediately called Bank of America and I reported it and I wanted to know if any fraudulent charges appeared and unfortunately whoever stole my credit card used it at an ATM machine several times and withdrew a total amount of $1,220.00. I don't have an explanation how the thief or thieves got my Pin number other than that my Pin number was my date of birth and my date of birth was on my passport and I was required to show my passport almost everywhere I went in Bolivia. Every hotel in Bolivia refused to allow me to rent a room with showing them my passport. They even made a copy of my passport. That's why I think whoever stole my credit card was affiliated with the hotel in some way. To make a long story short Bank of America claims department is refusing to send me an affidavit and they are refusing to honor my claim. They sent me a letter stating that I gave access to card and information which is a lie. I never gave anyone my Pin number no my card. And I never authorized anyone to use my card at an ATM machine. I called Bank of America when I received that letter and they told me to mail them and fax them a copy of my passport where it shows the dates I arrived and left Boliva and I did. And I called them back and they claimed that they didn't receive my fax and they gave me another fax number so I faxed it to them again. Now the claims department at Bank of America is just totally ignoring me. I left several messages with the fraud investigator Annabell at 1-800-714-5923 extension 3841 and she hasn't even returned any of my calls. Also, I called the fraud department and claims department several times and they lied to me saying that they sent me an affidavit. And now the fraud department tells me that they ordered the affidavit but the claims department denied the affidavit and stopped it from being sent to me. Everytime I call Bank of America I get a different answer. I don't know what to do. Because of these fraudulent charges finance charges are adding up and late fees are occuring and my credit is going to be destroyed soon. I payed my balance in full on my Bank of America credit card minus the fraudulent charges. I tried calling Mastercard at 1800mcassis and they told me that they cannot help me with this issue. I have been calling Bank of America everyday and I keep getting the run around. Obviously, Bank of America isn't going to credit the fraudulent charges on my account. I don't know what to do. Please anyone help me. Please tell if I have any options left and what they are.
Richard
Clearwater, Florida
U.S.A.
9 Updates & Rebuttals
Karl
Highlands Ranch,Colorado,
U.S.A.
ANOTHER ONE BITES THE DUST....ANOTHER ONE BITES THE DUST.......ANOTHER ONE BITES THE DUST.......
#10Consumer Comment
Fri, July 31, 2009
AND ANOTHER ONE GONE, ANOTHER ONE GONE......ANOTHER ONE BITES THE DUST?
'Google' this- BIG TEXAS BANK ON VERGE OF FAILURE, and read the Fortune artilcle that came out today!
What's going on in this country?
WHY are executives at these banks being 'REWARDED' with 'BIG BONUSES', and receiving BILLIONS of dollars in TAXPAYER'S money? (TARP)
WHO'S in charge of this country anymore???
P.S. You can also 'Google' this- YOUTUBE QUEEN ANOTHER ONE BITES THE DUST, and watch that video!!!
Thank you.
Karl
Highlands Ranch,Colorado,
U.S.A.
RICHARD, IN ORDER FOR YOU TO BELIEVE THAT THE POLICE IN...
#10Consumer Comment
Tue, July 28, 2009
BOLIVIA ARE CORRUPT, YOU'D HAVE TO BELIEVE THAT ELECTED OFFICIALS IN THE USA, AND RELIGIOUS LEADERS IN THE USA ARE CORRUPT ALSO, RIGHT?
'Google' this- 3 MAYORS AND 5 RABBIS AMONG THOSE ARRESTED, and read that article.
WELCOME TO PLANET EARTH- IN FRAUD WE TRUST!
P.S. Don't forget to 'Google' & watch all of the following on the web-
THE OBAMA DECEPTION
INSIDE THE MELTDOWN
THE ASCENT OF MONEY PBS
FRONTLINE THE MADOFF AFFAIR
AMERICA: FREEDOM TO FASCISM
9/11 PRESS FOR TRUTH
YOUTUBE CONDOLEEZZA RICE LIAR
DID SPECULATION FUEL OIL PRICE SWINGS
CHINA INVESTMENT AN OPEN BOOK
Please spread this Rip Off Report all over the worldwide web.
Thank you.
I'm Karl, and I approve this Update!
POWER TO THE PEOPLE
Richard
Clearwater,Florida,
U.S.A.
BANK OF AMERICA IS THE WORST BANK IN THE PLANET
#10Author of original report
Thu, July 16, 2009
The card was a credit card. I have talked to a lot of people regarding this issue. I have no doubt that the police in Bolivia were involved. I was also told my someone that the police in Bolivia might of taken me to a trick machine and that's why my card didn't work for me but it worked for the thief or thieves. But the fraud investigators at Bank of America should know all of these things. They shouldn't call me a liar and refuse to investigate. They didn't steal my passport I carried my passport with me at all times. All they stole was my credit card from my suitcase and some minor items. I didn't realize that they were missing until I returned to the United States and unpacked.
Richard
Clearwater,Florida,
U.S.A.
BANK OF AMERICA IS THE WORST BANK IN THE PLANET
#10Author of original report
Thu, July 16, 2009
The card was a credit card. I have talked to a lot of people regarding this issue. I have no doubt that the police in Bolivia were involved. I was also told my someone that the police in Bolivia might of taken me to a trick machine and that's why my card didn't work for me but it worked for the thief or thieves. But the fraud investigators at Bank of America should know all of these things. They shouldn't call me a liar and refuse to investigate. They didn't steal my passport I carried my passport with me at all times. All they stole was my credit card from my suitcase and some minor items. I didn't realize that they were missing until I returned to the United States and unpacked.
Robert
Irvine,California,
U.S.A.
Missing Information...
#10Consumer Comment
Tue, July 14, 2009
You still didn't specify if this was a Debit Card or a Credit Card. With a Credit Card you don't need a PIN(unless you are trying to do a Cash Advance at an ATM), but Debit Cards don't have late fees or interest. A Credit Card also has additional protections that a Debit Card does not have.
The order of events you gave also has some issues.
Issue 1 - I have never heard of a bank that will disclose a PIN number over the phone, this is always done in a Branch or through the mail. In fact I am fairly sure that the CS Representatives don't even have access to this information to even view it, let alone change it. In fact when I have changed my PIN at different banks I have always been required to go to a branch with the Card to change it.
Issue 2 - It was probably blocked for use in a Foreign country. Since they had blocked it they could easily unblock it when your mom talked to BofA. This happened to me(with another bank) and one call to them got the block released while I was still at the merchant. This makes the PIN Number useless.
Issue 3 - Your claim that the PIN did not work. Well if that was the case are you really saying that not only did you get your card stolen, but that the thief performed a miracle in guessing your PIN and getting the card to work in a foreign country(when you couldn't)?
You are also assuming that a "3rd World Country" such as Bolivia has the same law enforcement as the US. I wouldn't be surprised if the local law enforcement officials were involved in any theft that MAY have occured. This is the main reason your card was probably blocked from foreign country use in the beginning.
Jim
Anaheim,California,
U.S.A.
This Would Be A Situation Where I Would Contact A Lawyer
#10Consumer Comment
Tue, July 14, 2009
I would not worry too much about the fee the lawyer charges because you might be able to collect that back from BofA. If you filed police reports in Bolivia, you should be able to prove the items in question were stolen (you did have to get a replacement passport, right?). That would be documented proof you had your items stolen. The bank would then have to prove the items were not stolen and the likelihood is that they can't.
Contact a lawyer and pursue this... best of luck to you.
Richard
Clearwater,Florida,
U.S.A.
Bank of America is EVIL
#10Author of original report
Tue, July 14, 2009
I just called Bank of America again regarding this issue and I spoke to the supervisor of the fraud claims department that jerk's name was Sal operator number 19568 and he said that they don't have access to the videos at the ATM machines nor to the videos at the airports in Bolivia and he said he denies my claim and claims that it wasn't fraud and I have to pay he $1,200.00 and all of the finance charges and late fees. Calling this guy Sal operator number 19568 and a*****e would be an understatement. I don't know if I can contact a lawyer regarding this. Lawyers usually charge $200.00 dollars an hour. I don't know what to do. If stupid Bank of America didn't give me such an easy Pin number like my date of birth I don't think this would of happened. And if Bank of America wasn't so incompetent and inept the thief or thieves who stole my card and money would of been caught.
Nancy
Steilacoom,Washington,
U.S.A.
credit card or debit card?
#10Consumer Suggestion
Sat, July 11, 2009
Are you really talking about a debit card? How, if the ATM said that you had insufficient funds, the "thiefs" could get over $1000? You have to be carefull in foreign countries. My sister was in Equidor last year and used her mcard at an ATM. They use the dollar there. She did not think anything about it until, the "evil" bank (Wells Fargo) called her and asked her if her card has been stolen since there was some charges that were trying to come through from a toy store in Equidor. SHe said, she still ahd her card and the charges would have to be fraudulent. She canceled the card and got a new one. Turns out there are professional thieves down tehre that scope out ATM's with special electronics to get all the information, then they go on a spree, unless they are caught.
Karl
Highlands Ranch,Colorado,
U.S.A.
RICHARD, I BELIEVE THAT MOST ATM MACHINES HAVE CAMERAS, CORRECT? SO...
#10Consumer Comment
Sat, July 11, 2009
THERE SHOULD BE A PICTURE OF THE PERSON WHO MADE THE WITHDRAWAL AT THE ATM MACHINE, RIGHT?
This should be PROOF as to WHO really took the money, if it was taken from an ATM machine, wouldn't you agree?
GOOD LUCK TO YOU!
P.S. Don't forget to 'Google' & watch the following documentary on the web-
THE ASCENT OF MONEY PBS
*I'll bet the Incas never had any money problems, huh? (Watch that documentary & you'll understand.)