I received notice that their may be fraudulent activity on my card as there were several purchases in states across the country. XXXX, XXXX XXXX, a truck rental company and a jeweler. Some of those charges were reversed immediate, some not. During that investigation the fraud specialist and I noticed that there were also XXXX {$500.00} ATM withdraws at banks through-out my city of XXXX as well. 

Those ATMs were at the same bank, but not my bank ( BOA ). At that point, I was transferred to a claims specialist. The claims specialist took notice of those charges and provided a credit while investigation took place. 

After approximately 4 days it was determined that the fraud claim was refused. Upon calling, they said that it appeared that there was a card in hand during the withdraws. Obviously, I was not traveling across the city on multiple days to multiple ATMs taking out {$500.00} each time -- when there were also odd charges through-out the country. 

I called bank BOA and spoke with another claim specialist and she said that the fraudulent charges from different small businesses was not noted in the overall investigation of the ATM fraud claim. Disappointed in their " investigation '' I asked them to re-open claim due to the obvious gaps in the facts and previous acknowledgement of breach with the first specialist. 

At this point, I am very concerned that I will loose {$2000.00} because they have n't done their due diligence in recognizing the additional charges and their quick to reply refusal of the claim. Also, to send a letter denying the claim is awful customer service. 
