This seems like a new scam, no one at bank of America has heard of this scam or knows how to help me get my money back.
Here is the summary:
I have a BOA cash rewards credit card, which i pay off in full at end of every month.
I paid my entire balance off Jan 2, 2021 for a total of $4500. all was well.
I login to my online banking on Jan 24 and notice i have $5200 balance on my card. i think no way i spent this much, so i look at transactions, and indeed, new purchases are $1200 and one mysterious line item from Jan 21 that reads: "ACH PAYMENT REFUND" $4000.
I call bank of America, to ask, what is this?? they say that is a partial refund of my original payment that i made on Jan 2, for the amount of $4500 and they refunded $4000 out of that payment. as some one called BOA saying they over paid on the credit card payment and wanted a partial refund.
So i tell them, well, i did not request a partial payment refund. and where did this refund go, as i dont have it in any of my accounts....
They give me the last 4 digits of the account number it went to. its none of my accounts.
So basically some one called BOA asking for a partial refund of an overpayment on a credit card payment, AND asked the refund to be sent to some unknown account number which I do not own.
How can this even be possible to send a refund to a totally random account that a caller provides???
So far i spent 9 hours on the phone with BOA, they keep bouncing me between credit card fraud and billing agents. I already spoke to 9 different agents, they have no idea what to do, they all pass the ball to the next agent.
Credit card fraud says since its not a fraud purchase but a payment refund its a billing issue, then billing says its a fraudulent billing issue so they transfer me to credit card fraud. rinse and repeat.
I went to my local bank, sat with a banker lady for 3 hours while she was on the phone with what seems the same exact people/departments (fraud and billing), she too was getting bounced around between the same departments.
at the end she said she will forward this higher up, and hopefully i will hear something in the next week or two from them.
Have any one heard of such a fraud??
Im not sure what to do at this point, its been about 1 week since i was at the bank and heard nothing so far.
Submitted February 04, 2021 at 06:59PM by Successful-Source830 https://ift.tt/3pOKVly
