Consumer complaint received 2017-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV
Product: Credit card
Issue: Billing disputes

Complaint:
My complaint is not actually with the credit card company although I believe they could notify card holder when they receive a charge from XXXX ( which are the same company ) to alert the card holder that the charges are probably fraudulent. They know this is a scam as when I contacted them regarding the charges on my credit card statement, the person knew exactly what had happened and stated that she receives at least 10 calls a days regarding these charges. On XX/XX/XXXX I responded to an online offer for an under eye cream to reduce dark circles. Free trial and just pay shipping and handling. I use an eye cream as I have dark circles and thought I would try a different kind. That was a wrong idea. I placed the order giving my credit card no. and billing information and had difficulty exiting the website. They wanted me to order another product and I believe I may have just shut my computer down. I received an order confirmation for order total of {$5.00} so thought ok, it was just a computer glitch. On XX/XX/XXXX, I received a Shipping Confirmations for XXXX XXXX XXXX XXXX Trial and another Shipping Confirmation for XXXX Trial. I was n't sure which I had even ordered. I received both products and no invoice or papers were with either product. I tried the eye cream and I did n't like the feel of it so did not continue to use it and did not have any intent of ordering anymore. 
In XX/XX/XXXX, I received another bottle of each and thought I did n't order this and I need to return them as I do n't want either product. Meanwhile, I receive my credit card bill from BankAmericard and notice XXXX different charges which I did not recognize. 
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Total charge was {$370.00} I called BankAmericard to question these charges and the woman immediately knew this company and what had happened. She stated she has at least ten calls a day regarding these charges. She knew what I had ordered and went on to tell me to call the number and ask that this be cancelled as they will continue to add charges to the credit card. Evidently there was some terms of services that would give them permission to charge my credit card forever. She went on to advise that if I pressed them, I may be able to get some of my money back. I cancelled my credit card so no further charges could be added. 
I called the first number listed and they had access to both changes so they are the same company. The person stated I had signed up for this on XX/XX/XXXX and said I received the product and did not cancel in 15 days. After explaining I did n't like the product and did n't want the product, she agreed to cancel both but could not refund the charges. After calling this a fraud and a scam, she agreed to refund 35 % of the amount charged. After repeating myself many times and then talking to a supervisor, he agreed to refund one {$93.00} and {$92.00} charge within one to three business days and I would n't need to return the product or be charged a restocking fee. I was not sure if he would actually credit my charge card but just checked with BankAmericard and the amounts were credited to my account. I was on the phone over an hour to get that amount refunded, but they refused to return the whole amount. I plan to pay the balance of {$180.00} as I do not want to ruin my credit or accrue late payments. This was very expensive eye cream. 
I am very angry, disappointed and this has upset me more than I would like to admit. I was scammed and would like to stop them from scamming others. I hope reporting my experience will somehow save others.

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