Consumer complaint received 2023-06-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
Consumer Financial Protection Bureau Complaint filed against : BOA MC put XXXX 's charge to my credit card in dispute. A letter was written to XXXX XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX , XXXX XXXX , Florida XXXX WHY  I am complaining : XXXX charged close-out fees ( {$1500.00} ) to my credit card, instead of sending me a paper invoice, as I requested, via letter to XXXX Ceo, so I could pay fees by check and use paid statement as a selling expense for my house on next years income taxes. 
Actions I took : I entered a dispute, with Master  Card, over this matter. BOA Master card : XXXX XXXX XXXX XXXX XXXX have asked XXXX to send me a paper copy of the amount due them, because I sold my house, and had to cancel the contract early. I need a hard copy statement to submit the expenses on next years taxes, as a selling expense on my house. I can not see well enough, close up, to maneuver through their website, and get the invoice online. 
XXXX refused to send me that paper copy, and continues to text me, asking for payment. Instead they charged my master card. I complained to master card, and put the matter in dispute. 

What I am asking from the CFPB : I am asking for the CFPBs help in getting a paper copy of the cancellation charges, ( {$1500.00} ) via USPS mail, so I can pay the bill, by paper check, and then use that copy with my next years taxes, as a selling expense. The CEO received my letter, before XXXX charged my credit card. The CEO of XXXX refuses to acknowledge my request, and send a paper invoice. 

BACKGROUND I sold my house, and canceled my XXXX security, before contract end. I was perfectly willing to pay the fees to cancel it early, but I needed hard copy proof that the large sum I was paying, was the fee for canceling service, on a sold house. I needed hard copy paper, stating it was the closing costs for the contract. I need this to submit with next years income tax. 
Multiple times I tried to get this hard copy billing, sent via USPS, to, my XXXX XXXX , but XXXX  customer service kept giving me every excuse telling me to go online. I explained I was not able to read online items in such small print, and because I wanted to submit the invoice with next years income taxes, as proof of a selling expense for the house, I needed to give my accountant hard copy proof of the expense, and a copy of the check proving I paid. XXXX customer service still would not send me a hard copy invoice, for the closing fee amount. 
I wrote to the XXXX CEO, XXXX XXXX, and sent the letter via USPS Priority Mail. He received it, yet he did not see to it that I received any paper invoice via USPS mail, which I could pay, and copy for next years income tax filings. He did nothing. 
I cant see well enough to print things out from online, and that is why I asked for ADTs customer service to send me a paper copy. 
XXXX XXXX removed the XXXX charge for + {$1500.00}, because I had contacted XXXX ceo, and asked for a paper invoice, prior to XXXX charging the amount, without my permission, to my credit card. 
I have also filed a complaint with the New York State Attorney Generals Office, and that is complaint # XXXX. I received confirmation from the New York Attorney General, that my complaint is in process.

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