Consumer complaint received 2023-03-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
My Complaint is against Bank of America Credit Card for failing to stop fraudulent unapproved charges from a merchant after I notified them of unapproved charges. The Merchant fraudulently charged another {$22000.00} on my account after I notified Bank of America of the issue. The card was changed several times, yet the merchant was still able to charge my account. 
The timeline is outlined below. 
XXXX, XXXX XXXX and XXXX is owned by same Principal owner, and individual who provided me online marketing services. There was no contract or written agreement regarding these services. I authorized the owner to charge $ XXXX for marketing services and $ XXXX to list my sites on a website directory that he owned. 

On my XXXX statement XXXX XXXX started charging me above the agreed upon amount. On XX/XX/XXXX I notified the merchant that I recognized an additional charges of {$300.00} that was not approved, the merchant stated that it was an error and that they would refund. 
The website owner charged {$700.00}, from XXXX XXXX on XXXX and XX/XX/XXXX, totaling {$1400.00} that he also stated he would refund. 
On XX/XX/XXXX, I notified merchant that I had not received the refunds. 
Merchant said the refund would come in XXXX days but refund never came. 
Again on XX/XX/XXXX I notified the Merchant. Merchant Claimed to not know why refund hadnt gone through. 
Starting XXXX XXXX XXXX charged {$7700.00} ( several charges in the amounts of {$300.00} and {$100.00} ). I contacted bank of America and informed them of the unapproved charges. Then I asked that the merchant ( XXXX, XXXX XXXX and XXXX ) not be able to charge the credit card account again. This was done through the Bank of America Dispute customer service call center. 
AT THIS POINT BANK OF AMERICA SHOULD NOT HAVE ALLOWED ANY MORE CHARGES TO MY CARD FROM THE XXXX MERCHANTS.. 
The merchant XXXX XXXX again charged {$1700.00} on XXXX through several charges in the amounts of {$300.00} and {$100.00}. I again notified Bank of AmericaXXXX and they changed my credit card. 
XXXX XXXX charged XXXX {$30.00} charges on XXXX, then charged XXXX {$30.00} charges on XXXX. 
XXXX XXXX charged {$1000.00} on XXXX. 
I again notified the Bank and asked to change the card again. 
On XX/XX/XXXX Bank of America started adjusting the transaction disputed in XXXX, total adjustments were {$7000.00} On XX/XX/XXXX XXXX XXXX made XXXX separate charges which totaled {$18000.00}. I called Bank of America the day after to complain and the agent said it was a reversal of my dispute. But these were in fact new charges. I told them to put my card on hold until the dispute was resolved. 
On XXXX Bank of America Credited back {$3100.00} for charges made in XX/XX/XXXX XX/XX/XXXX. 
On XX/XX/XXXX, I fax the communication I had with the merchant to the bank. 
Bank of America then Reversed my Adjusts XX/XX/XXXX for claims from XXXX XXXX XXXX, totaling {$3100.00}. 
The bank sent me a letter in XXXX stating my dispute was declined. 
I have not been able to talk to anyone at the bank that is reviewing this matter. The agents cant answer any questions why the dispute was rejected. 
Bottom line, Bank of America failed to act after the Bank was notified of the dispute and that the charges were not authorized by 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 monetary relief