Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
I want to dispute Bank of Americas resolution of my claim of {$44.00} wrongly billed to my credit card. The online process for filing claims is obtuse and doesnt allow for any context to be given. Since they have wrongly ruled against me, I will provide the context in this complaint. 
I went to XXXX on XX/XX/2022 and ordered food. The amount was {$44.00} with tip. I put my XXXX XXXX debit card through, and the POS system declined. I tried again with the XXXX XXXX debit card, and it declined again. Since I had more than enough money in my account, I thought the issue must be with XXXX XXXX. So I tried my Bank of America credit card. When that didnt go through, I was sure that the issue was with XXXX. I tried my Bank of America credit card a second time, and finally it went through. To summarize, I ran two different cards through two times each, and only one appeared to be successful. 
I checked my debit and credit cards online in the days that followed, and sure enough, my XXXX XXXX checking account and Bank of America Visa card each had TWO pending purchases for {$44.00}. I gave it a couple of days because surely XXXX would reverse three of them. But they didnt. Under no set of circumstances will I pay four times ( with a hefty 20 % tip for to-go food, I might add ) for food I consumed once. Since I was planning on paying with my debit card all along, my goal was to get BOTH of the Bank of America visa charges reversed, and one of the XXXX XXXX debits reversed. 
I went to Bank of Americas website to dispute the charges, and it recommended that I try to resolve the issue with the vendor. So thats what I did. I called XXXX on XX/XX/XXXX at XXXX and spoke to XXXX XXXX I did not get her last name. I explained the situation, saying that I wanted BOTH of the Bank of America charges reversed and ONE of the XXXX XXXX debits reversed. I provided her with the necessary card information. She called me back that same day at XXXX saying that she looked into it, and they will do the reversals as I had asked. I understand that it takes some time for these changes to process, so I waited. 
On XX/XX/XXXX, I saw that while XXXX correctly reversed one of the XXXX debits, they only reversed one of the Bank of America charges. I called XXXX again. I spoke with XXXX again. She told me that she would put in a reversal of the remaining {$44.00} for Bank of America again. I waited -- again. Finally, because my credit card payment was coming due, I could wait no longer. I am not paying for something that I didnt receive in the hopes that I would be reimbursed later. Because I was not made whole by going through XXXX, I filed a claim on Bank of Americas website for the remaining {$44.00} on XX/XX/XXXX or thereabouts. I received their notice that my claim was denied on XX/XX/XXXX, which is why I am writing you today. 

I have attached a copy of my XXXX XXXX checking statement which shows two XXXX debits for {$44.00}, and one reversal. XXXX XXXX made me whole. I am waiting for Bank of America to do the same. Let me be clearI will not, under any circumstances pay them that {$44.00}. I own my home outright. I own all of my cars outright. My credit rating is stellar, I have zero debt, nor any need to go into debt for the foreseeable future. Bank of America can pile late charges and fees on top of that {$44.00}. I dont care ; I wont pay any of it. This is a hill Im willing to XXXX XXXX.

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