Consumer complaint received 2023-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello i am Single Mom From XXXX : i am need you help please. 
I AM XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Account ending - XXXX Claim ID : XXXX Claim amount : {$1900.00} ( i, am agree lost XXXX $ deposit ) CHARGE amount : {$2200.00}. 
Initiation date : XX/XX/XXXX Merchant name : XXXX XXXX Transaction Date : XX/XX/XXXX Transaction Ref. # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX I opened CLAIM Initiation date : XX/XX/XXXX - that the Service was not provided to me by XXXX XXXX, at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Transaction date : XX/XX/XXXX. 
CHARGE amount : {$2200.00}. 

The fraudulent company 's refund policy states : Please note : Per the California Private Postsecondary Education Act of 2009 ( XX/XX/XXXX ) : " The institution must pay or credit a refund within 45 days of a student 's cancellation or exclusion. '' In addition, the refund will be calculated according to the formula : Full payment- {$250.00} deposit. 
Company XXXX  XXXX - Provided a link to deposit XXXX $- And charged me for XXXX without my consent. 
This is intentional- so that I lose the possibility of a refund - since my lessons should begin # First lesson was on XX/XX/XXXX, # The beginning of My Lessons was supposed to start after payment - but they took time and did not activate my account, as a result I missed 4 lessons and when they corrected the technical errors - I could no longer receive lessons - without the first 4 lessons. 
I have all technical problem records in my XXXX XXXX XXXX. 
I only completed 4-5-6 classes and couldn't pass 1-2-3 - Due to XXXX XXXX - I asked for a refund according to their policy. 
After requesting a refund on XXXX, the company replied to me : XXXX XXXX XXXX XXXX XXXX XXXX, You need to fill out the form at the link form : XXXX XXXX XXXX Then, please, write to us again and we will check everything. 
We will review your application within 5 business days. 
Please note that as per California Private Postsecondary Education Act of 2009 ( XX/XX/XXXX ) : " The institution shall pay or credit refunds within 45 days of a students cancellation or withdrawal. '' And also the refund will be calculated by : Full payment minus {$250.00} deposit, minus % course completion. 

I waited 45 days - and got the same answers - Fill out the form again. 
I realized that it was Fraud and contacted the bank and provided the entire package of documents. I opened a request that the SERVICE OR SERVICE WAS NOT PROVIDED - and asked to return the Amount minus {$250.00}. 
BANK - did not want to consider my request and wrote a response- which would contradict their policy : Bank response : XX/XX/XXXX Account ending in : XXXX Claim number : XXXX XXXX XXXX : We've completed our research and have denied your claim. 
Here are the details of the disputed charge ( s ) : Description Amount XXXX XXXX XXXX {$1900.00} Based on the information available to us, which may include information from you and/or the merchant, and information within our own records, we made our decision because : - The notification of your dispute fell outside the timeframes to retrieve the funds from the merchant ( s ) or their bank ( s ). We're required to work within certain dispute processing rules, which include specific timeframes to initiate and process disputes, your efforts to resolve the dispute directly with the merchant, and the physical location of the transaction. Since these requirements weren't met, we're unable to process your credit card dispute. 

XXXX XXXX Company - Intentionally Made me wait 45 days - and called me 6 times - so I lost time when I realized that I was deceived - my bank - of which I have been a client since XXXX - Rejected my application. Despite the fact that their policy says that I have. 120 days to XXXX the cancellation of a payment- for a service I did not receive. 

Payment - XX/XX/XXXX. Refund request in XXXX XXXX XXXX BankAmerica Claim Initiation date : XX/XX/XXXX. 
Total. 47 days after 1 request for a refund to the Merchant, and 72 days between Payment from a Charge Dispute with a bank. 

I am a single mother from XXXX - for me this is a huge amount that I can not pay, Both companies violate the policy of return and chargeback - please HELP ME!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation