Consumer complaint received 2022-07-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Below is the letter I wrote to Bank of America disputing two 'refunds ' to my credit card account. I did not request these refunds. 

'Bank of America XXXX BK Notice XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : Notice of disputed charge to personal credit card account Dear Billing Inquiry Division, I am writing you to dispute the listed charges/refunds below. 

First disputed charge : Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX ACH PAYMENT REFUND Reference Number : XXXX Account Number : XXXX Amount : {$2900.00} [ The card holder ] does not know what an ACH PAYMENT REFUND is. He never received authorization, an email, or text for approval of this transfer from Bank of America. 

Second disputed charge : Transaction Date : XX/XX/XXXX Posting Date : XX/XX/XXXX ARC PAYMENT REFUND Reference Number : XXXX Account Number : XXXX Amount : {$2000.00} [ The card holder ] does not know what an ACH PAYMENT REFUND is. He never received authorization, an email, or text for approval of this transfer from Bank of America. 

I spoke with a telephone operator on XX/XX/XXXX, to dispute these ARC payment refunds, and they said this was money that was supposedly taken out of my credit card account and deposited into a XXXX Bank in Ohio. I do not have an account with that institution. I received an email from Bank of America on XX/XX/XXXX, asking me to rate my conversation with XXXX. I thought this was a general Bank of America email so at that time I did not open the email. I never spoke to a XXXX on that date or anyone else at Bank of America. 

After no contact from Bank of America for almost a month, I received another credit card statement that retained the same disputed dollar amounts on XX/XX/XXXX. I spoke with another representative on XX/XX/XXXX, and she thought that the money was transferred via an XXXX XXXX account. I do not have an XXXX XXXX account set up that I am aware of. She also mentioned that the money was potentially transferred by a XXXX XXXX at Bank of America. This same operator said the paperwork for this correction was filled out back in XXXX, but never actually submitted and that this was a mistake. She told me that she had corrected that mistake and would make sure the paperwork was submitted at that time. 

I have included copies of my last two statements for your information. Please let me know if you require additional information. 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. On XX/XX/XXXX, I terminated my credit card account resulting from this matter. ' On XX/XX/XXXX, the card holder terminated all accounts with Bank of America as a result of their lack of response to the complaint. I was a customer for 37 years and never missed a payment.

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