Consumer complaint received 2021-04-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
This my second complaint because in first complaint there response was a lie Sorry I talk texted this XXXX I made a purchase to XXXX for a XXXX XXXX XXXX which basically is the XXXX XXXX of your vehicle and its a two person job after I remove the part and took me about a week to install it prior to the installation I went back to take the XXXX and return it to them they charge me a XXXX charge from my old {$35.00} when I tried receiving my XXXX back they denied me because I didnt have the actual physical receipt on me I left it at home but I was on their Computer I could easily looked me up and just refunded it back to my debit card so I filed a dispute for {$35.00} not knowing that two days or three days from this date that I would have the XXXX XXXX and then it wouldnt be no good so I went back to XXXX for the warranty exchange for the part they sold me that was no good and they were charging me entry fees to get into the yard and I had to pay for two entry fees because its two person job and I didnt appreciate the fact that it was a warranty exchange and I got a pay to get in your yard so I never got the job done they kicked us out at closing me and I was like 15 other people and I ask if tomorrow I come back to finish pulling this rear out are you gon na charge me again and they said yes I said well then I dont want your part Im not gon na pay two days in fees for something that you sold me was originally broke I said you could just give me my money back they refuse to give me my money back so then I filed a dispute with Bank of America Im going to guess and say the dispute date was around the XXXX of XXXX maybe or something of that nature is about a week after the original purchase now keep in mind I still have 30 days from XXXX to get a full refund from XXXX the problem I had a wire dispute it was I was already there once theyre 30 minutes from my house Denied to give me my money back Bank of America mess this whole dispute process up now the {$35.00} core charge was on the original receipt I was still part of one purchase so the lady that I originally spoke to from Bank of America try piggyback in the two off of one another and left notes for the people in the back that investigate it so they couldnt understand what was going on well here I am two months later they remove the complaint didnt tell me Im dealing with nothing but incompetent people every time I call and I spoke to the guy yesterday he just had to re-file another Dispute complaint he had to re-opening and they closed it for no reason and Im sitting here stuck with {$210.00} of my money goneWhen I disputed it I was well within my 30 day time period to go back in force them to give me the money back because I was within their timeframe I chose not to because of the distance of the travel and Ive already went there once to give it back to them and they denied me so I chose to dispute it ive sent Bank of America a letter that I typed out explaining them what had taken place and whats going on to give it to the guys in the back the investigators because the incompetence Im dealing with when I speak to them on the phone I have an email from XXXX where the front office corporate office was wanting to get reach out and get in contact with me over the Internet but then when I responded back to him four different times they never responded back or called me they were asking me for my phone number how they can get in contact with me but they failed to utilize itI want my money back I bought a part thats no good I dont understand why this is so hard its been over two months This is boa response that is not true Company 's Response On XX/XX/2020, claim number XXXX was filed. In dispute was a transaction from XXXX Pick You which posted to your Advantage Plus Banking ending in XXXX on XX/XX/2020. The transaction posted to your account in the amount of {$210.00}, however, you were only disputing the amount of {$35.00}. A temporary credit adjustment of {$35.00} was applied to your account on XX/XX/2020, and the corresponding notice was sent to you. An additional notice was sent to you on XX/XX/2020, advising you that we submitted your claim to the merchants bank and we were waiting on their decision. On XX/XX/2020, the claim was resolved and honored. On the same day, a notice was sent to you advising you that the previously issued temporary credit was made permanent. Subsequently, on XX/XX/2020, you contacted our claims team and informed us that you wanted to dispute the entire amount of {$210.00}. As a result, claim number XXXX was filed on XX/XX/XXXX, Here is proof from the bank that on XX/XX/XXXX before {$35.00} claim was payed and finalized just like I said it first complaint week after I bought or so I filed the XXXX total charged and I did like 5 times because there staff are clueless

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