Bank of America - they are in your wallet. Bank of America policies support criminal enterprises, and Bank of America employees falsify records in accordance with these policies to force customers to give money to thieves during fraudulent credit card purchases.
The Bank of America Fraud
The Bank of America implements two policies that directly defraud customers and falsify banking records.
1) To falsify records, if a customer is lied to and cheated by a merchant, the Bank of America refuses to record such crimes when credit card frauds are reported. Such crimes must be reported to the Bank of America as Business Disputes if the credit card number is provided to dishonest merchants in good faith. According to several Bank of America agents, fraud can only be reported if a credit card is used without permission, i.e., a hacked credit card. In other words, the Bank of America's records do not record crimes, where the number of such falsely reported crimes is unknown.
2) If the thieves then claim that the fraudulent charges are legitimate, the customer must pay the money that has been stolen from them. Thieves are given priority over customers who have been cheated. The full scope of this credit card fraud by the Bank of America, and perhaps other banks, is unknown.
Figure 1. My bank is stealing $23,559 from my family, and they know that they are stealing our money.
(Image by Leishear Engineering, LLC) Details DMCA
The Original Fraud
As one of many customers, I am dealing with such a fraud by the Bank of America (Figure 1). Full details of this fraud are documented along with an FBI crime report.
The original crimes in France are discussed in an Op Ed, titled "Visit France as a Tourist-Risk Fraud and False Imprisonment in Jail-Luxury Tours France and Hotel Le Pavillon Des Lys", click here. Explicit details of these crimes and supporting evidence of this fraud are presented in two reports, titled "Luxury Tours France, Bank of America Fraud Complaint"; and "Hotel Le Pavillon Des Lys, Bank of America Fraud Complaint", Click Here).
Based on these crimes, this Op Ed focuses on the subsequent criminal fraud by the Bank of America. Bank of America polices and employees are presently implementing such thefts.
I am being charged more than $29,000 for a service worth approximately $2400. The merchants, Luxury Tours France and the Hotel Le Pavillon Des Lys, attempted to defraud my 73-year-old wife and I of more than $47,000 in this elaborate criminal scheme (Table 1).
International Frauds are Complicated by Even More Dishonesty
When I asked these two companies to pay back the money that they stole, the Hotel Manager and the Tour Company Owner accused me of blackmail. They stole tens of thousands of dollars from my wife and me, threatened to have me arrested in a foreign country if I did not immediately pay $5000 when we we were in France, lied about receiving full payment, cancelled our tour and transportation to abandon us in France, and then compounded their lies with false accusations.
Apparently, these two companies were crooks from the beginning of these crimes.
- Luxury Tours France received a full payment of $6500 in advance. This wire transfer from my bank account with Bank of America is documented through bank records.
- Since this tour was illegally cancelled prematurely, only $2436 of the contracted services were provided.
- Luxury Tours France then requested a duplicate $6500 payment, using a money order from Western Union.
- Luxury Tours France then demanded another $5000 in cash, and threatened me with jail in a foreign country when I did not pay. Such actions constitute extorsion, and constitute threats of kidnapping and false incarceration.
- This tour company then fraudulently charged us approximately $6500 four more times by credit card.
- I learned of these fraudulent charges before the charges were placed against my credit card. Accordingly, I advised a Bank of America agent by phone to cancel these charges, and he agreed. However, the Bank of America later charged my credit card for all four fraudulent charges anyway.
- Then, Luxury Tours France demanded an additional $9000 through their credit card company.
- I was coercively charged twice for the same hotel room stay, and I paid twice for this hotel room.
After all of this theft, both the hotel and the tour company libelously claimed that I blackmailed them since I asked them to stop these thefts, and pay back the money that they stole. Their audacity in crime is only exceeded by their slanderous claims of blackmail.
Accused crimes plus accused and threatened crimes by the hotel manager and tour company owner include fraud, extortion, slander, breach of contract, and false imprisonment. By endorsing the frauds of Luxury Tours France and the Hotel Le Pavillon Des Lys, is the Bank of America complicit in other crimes as well, since the Bank of America increases criminal profits?
The Bank of America Joins the Frauds
To make matters far worse, the Bank of America demands immediate payment to the thieves or interest will be charged for the outstanding balance. I was informed that if I do not pay, I can get a lawyer to challenge Bank of America. The bank steals our money, and we are mandated to hire attorneys to fight the crimes committed against us by our bank.
To date, the Bank of America has supported the thieves on three separate occasions, where two responses were provided in written documents. These documents stated that 'The merchant provided documentation confirming that [I] received the merchandise or service'. The merchants blatantly lied. The Bank of America stands behind their lies.
Through Bank of America, I am still appealing this criminal banking decision. Based on numerous conversations with Bank of America employees, I expect the Bank of America to continue stealing our money.
The Bank of America Frauds Continue
So far, the Bank of America discarded faxes that supported fraud claims, where those two Bank of America Fraud Reports are noted above. More importantly, the Bank of America also claims that the thieves' four different credit card claims for the same incomplete service are legitimate, since the thieves lie and say that I received the service. All four of these charges are fraud, where receipts prove that this tour service was paid by wire transfer through the Bank of America before any of these criminal card charges were accepted by the Bank of America.
The Bank of America claims over and over that I authorized the charges. I state over and over that I did not agree to pay over and over.
Included in this same fraud complaint, Bank of America agreed that I should pay $500 to a company called Anontech. I have never had any contact at all with this company, and I have repeatedly informed the Bank of America of this parallel fraud.
The Bank of America still wants me to pay all of the crooks.
I mentioned these crimes to someone else, and they are being similarly defrauded. Once again, the scope of this fraud against customers is unknown.
The FBI Ignores Credit Card Fraud
The scope of internet fraud in this country is so monumental that the FBI refuses to investigate any fraud less than $100,000. Since the fraud against my wife and me is less than $100,000, the FBI did not even respond to my FBI report concerning this internet fraud.
Banks Endorse and Support the Crooks
The Bank of America, and other banks, are caught in the midst of an extraordinary crime spree, and banks become complicit in these frauds when they support criminals rather than customers who have been swindled.
A Fight Against The Bank of America Crimes
Immediately after this Op Ed was published, I filed a fraud complaint. Along with a supporting copy of this Op Ed, I filed this complaint with the Consumer Financial Protection Bureau (See Addendum). This fraud report was specifically filed against the Bank of America for this ongoing crime.
This Op Ed adds to customer 'deceptive practices' perpetrated by the financially beleaguered Bank of America. Specifically, the Consumer Financial Protection Bureau ordered the "Bank of America to pay $250M in fines, customer refunds over junk fees, [and] fake accounts" (click here). Perhaps there are habitual crimes against us by the Bank of America.
Bank of America - The Crimes Keep On Coming.
This Op Ed exposes one more attempt by the Bank of America to illegally obtain, or steal, money from customers.
Addendum
The following fraud complaint was filed with the Consumer Financial Protection Bureau.
'What happened?
Describe what happened, and we'll send your comments to the companies involved.
Since April 18, 2023, I have contacted the Bank of America on multiple occasions, and requested that this bank stop charging me fraudulent charges for a trip that my wife and I took to France from April 11-15, 2023. As documented in the attached Op Ed, I paid for this trip in full through a wire transfer. In fact, I paid more than the service was worth since the tour service was cancelled. Then, Luxury Tours France charged me four more times for the same service by credit card through Bank of America. Hotel Le Pavillon Des Lys and Luxury Tours France both charged me for the same hotel stay.
The Bank of America has repeatedly refused to cancel these charges, and on one occasion an agent told me to me get a lawyer. Bank of America even discards faxes that provide documented proof of this fraud, and the bank dismisses my claims without considering this evidence at all. The Bank of America is currently defrauding me of $23,559.39. The referenced Op Ed provides a detailed table for all of these fraud charges and references to available fraud complaints and a referenced copy of an FBI crime report that have been filed and discarded by the Bank of America (click here). Fraud complaints are also attached with the FBI report enclosed.
I published the following Op Ed today, 7/14/2023, to document this fraud against my family.
The Bank of America Steals our Money - The Bank of America's International Fraud against America
What would be a fair resolution to this issue?... A copy of this complete Op Ed, less Table 1, Figure 1, and this Addendum, were provided within this complaint. ...
Pay back the money that is being stolen from me, and stop cheating other customers.'
(Article changed on Jul 15, 2023 at 12:44 AM EDT)
