Consumer complaint received 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit 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:
On XX/XX/XXXX, I received a letter from Bank of America for disputed amount from XXXX XXXX # XXXX for {$220.00}. I provided detailed letter describing how the merchandise was damaged, defective and not suitable for its intended purpose. The detailed letter explained why I was disputing the total amount {$220.00} as to how XXXX employee XXXX XXXX XXXX ID XXXX told me " I won't replace the items even if I was told to do so '' when I returned to the club to have the damaged items replaced for online order # XXXX in-club pick up on XXXX XXXX. The merchant declined to accept my return and issue a credit for the damaged and defective items not suitable for their intended purpose.by cancelling my XXXX membership and locking me out of my XXXX  online account on Sunday XX/XX/XXXX during the period my claim for the disputed amount of {$220.00} was being researched by Bank of America. On XXXX XX/XX/XXXX, I called Bank of America claims and spoke with XXXX in XXXX XXXX  as regards a letter dated XX/XX/XXXX from Bank of America denying my claim of the disputed amount of {$220.00}. I advised XXXX of my inability to return the damaged, defective items not suitable for their intended purpose as a result of my XXXX membership cancellation by the merchant in retaliation for filing a claim for the disputed amount of {$220.00}. Furthermore, XXXX corporate had advised that the reinstatement of my XXXX membership is contingent on the resolution of my personal injury claim under investigation by XXXX & XXXX from an assault by XXXX of XXXX security guards on XXXX XXXXXX/XX/XXXX. XXXX locked my online account. This further impedes my ability to return the damaged, defective not suitable for their intended purpose merchandise I purchased from XXXX and picked up in-club on XX/XX/XXXX. I am filing this complaint as the disputed amount of {$220.00} has been charged back to my credit card. Bank of America has denied my claim and disputed amount said to be in a hold position to be reported to credit bureaus for each billing period I do not pay the disputed amount of {$220.00}. I am extremely upset at this as it further adds to the damages I have incurred from XXXX improper business practices to include negative impact on my XXXX XXXX resultant effect from the assault on XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX XXXX, damaged defective merchandise not suitable for intended purpose that XXXX employee XXXX XXXX XXXX ID XXXX said he would not replace even if he were told to do so and to XXXX XXXX XXXX cancellation of my XXXX membership and locking me out of my online XXXX  account during the period the disputed amount of {$220.00} was being researched by Bank of America thus impeding and preventing my ability to return the damaged, defective merchandise not suitable for their intended purpose. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX declined to provide store credit in a phone call on Monday XX/XX/XXXX at XXXXXXXX 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