Consumer complaint received 2018-09-14
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:
As I called to file the dispute with Bank Of America in mid. XX/XX/2018 about my XXXX XXXX transaction. My dispute is that I prepaid XXXX XXXX for service that I have not received. 
I stated on my dispute : in order to receive the service, I must attend one of the mastermind events in XXXX XXXX or XXXX. So I scheduled to go to XXXX XXXX from XX/XX/XXXX to XX/XX/2018 for XXXX and XXXX XXXX including with my XXXX XXXX XXXX. However, XXXX has been brought to court by the FTC on XX/XX/2018 and by law, no communication at all with XXXX during the court time. 
I submitted the documents of FTC and my confirmed schedule to go to XXXX XXXX together with my booking plane to go to XXXX XXXX from XX/XX/XXXX to XX/XX/2018 for my services. 
When I got the denied letter of BOA, I called BOA to ask the reason for the denying. XXXX, BOA agent, told me : that time of the event is not coming yet and it might happen in the future day from XX/XX/XXXX to XX/XX/XXXX as I scheduled to go for the mastermind and coaching, so my dispute has to wait for that time coming. And if the events are not happened, I must call to request to reopen my dispute case. 
The Judge move the TRO ( Temporary Restraining Order ) to XX/XX/XXXX, so I wrote a letter to BOA to ask to reopen my dispute. At BOA location, I faxed my letter and the XX/XX/XXXX TRO to BOA to ask to reopen my dispute. To make sure, I called BOA before and after XX/XX/XXXX to ask to reopen my dispute, they told me to write a letter to explain why I want to dispute with information to support the dispute to BOA. One of my call in XXXX, the BOA agent told me that he reopened my dispute and I have to write a letter to explain my dispute with this Claim ID : XXXX. Therefore, I wrote my letter on XX/XX/XXXX to fax. 
My fax on XX/XX/2018 includes invoice, confirmation for masterminds, airplane ticket, airplane cancelation, and few first pages of TRO on XX/XX/XXXX and XX/XX/2018. 
However, BOA balance is not halt ; BOA states my minimum paying and the due date. It means that he did not reopen my dispute case. In addition of confusing, I saw a different claim ID : I checked my dispute in BOA message center, I saw a different claim ID. I change the claim ID and faxed it again with Claim ID : XXXX on XX/XX/XXXX letter. On the last call, BOA agent told me that he couldnt reopen my dispute without reason : he told me that he cant open it permanently. 
I dont remember how many calls I make with Bank Of America. The call were about to reopen my dispute, and at the last call, I ask an agent and he told me that I did call on those date : XX/XX/XXXX and XX/XX/2018 XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018 Bank Of America keeps changing the claim IDs, so the dispute has been confused. 
Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018 Claim ID : XXXX Initial Date : XX/XX/2018

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