Bank Card Cancellation Responsibility

Summary

If you requested your bank to cancel your card and they failed to do so, they may be responsible for unauthorized charges. However, if transactions appear to be made by you or someone familiar, it complicates the case. Keep detailed records of communications with the bank and report unauthorized transactions as fraudulent. Consider contacting the Consumer Financial Protection Bureau if the bank is unresponsive. When negotiating with the banks legal team, present a clear timeline of communications, highlight unauthorized transactions, and request a settlement. Prepare documentation to support your claims and be open to compromise while ensuring your core concerns are addressed.

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Multiple times. But they're saying it look like me or someone who knows me? Does that even matter if I canceled it multiple times and they dropped the ball can they still hold me responsible
In California, if you requested a cancellation of your card and the bank failed to act, they could be responsible for unauthorized charges. However, if the bank claims the transactions appear to be made by you or someone familiar, it complicates the case. It's important to keep detailed records of your communication with the bank.
Have you reported the unauthorized transactions as fraudulent to your bank?
Yes that has been going on since *. It paid me a partial but then refused the balance is that legal
In California, if a bank fails to cancel your card as requested and unauthorized transactions occur, you may not be held responsible for those charges. However, if the bank claims the transactions appear to be made by you or someone familiar, it complicates the situation. Here are some steps you can take:
- Keep records of all communications with the bank regarding the cancellation request and unauthorized transactions.
- Report the unauthorized transactions as fraudulent to the bank and request a written response.
- Contact the Consumer Financial Protection Bureau (CFPB) if the bank is unresponsive.
Have you considered seeking legal advice or mediation to resolve this issue?
I found in small claims court and I'm supposed to talk to somebody from Bank of America's legal I think tomorrow but I don't even know how to negotiate or what to say
Case Rating: *
When negotiating with Bank of America's legal team, consider the following points:
- Clearly present the timeline of your communications with the bank regarding card cancellation.
- Highlight any unauthorized transactions and the steps you've taken to report them.
- Request a settlement or resolution addressing the remaining balance and any inconvenience caused.
It might be beneficial to prepare documentation or evidence supporting your claims. Would you like any more specific advice on negotiation tactics?
Yes. They still owe me approximately $* since *
Case Rating: *
It's great that you're considering negotiation tactics. Here are a few tips:
- Be clear and concise with your demands.
- Emphasize the inconvenience and financial impact of the bank's actions.
- Be open to compromise but ensure your core concerns are addressed.
If you would like further assistance, feel free to ask!