Consumer complaint received 2021-05-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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:
have disputed two transactions totaling {$130.00} ( {$84.00} and {$48.00} ) on my credit card account ending in XXXX that were processed through the website booking.com on XX/XX/XXXX and XX/XX/XXXX. I filed a dispute on XX/XX/XXXX, The transactions in question are coded in Bank of America provided statements as follows : XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX for {$84.00} and XX/XX/XXXX PENSION XXXX XXXX XXXX XXXX. {$48.00} The creditor ( Bank of America ) acknowledged receipt of my dispute in writing on XX/XX/XXXX requesting to call them at ( XXXX ) XXXX. While the creditor stated that they are available XXXX, all my callings the creditor have gone unanswered. However, the creditor timely receive my dispute for both transactions ( within 60 days ) as prescribed by the Fair Credit Billing Act.

I repeatedly asked the creditor ( Bank of America ) to contact the merchant, the website Booking.com to provide a documentary evidence for both charges ( {$81.00} and {$46.00} ), The creditor ( Bank of America ) has failed in timely manner to either give me a temporary credit or provide me with documentary evidence to verify the charges to my cards as required by the Fair Credit Billing Act. 15 U.S. Code 1666. Correction of billing errors. Both Bank of America representative XXXX XXXX, Bonk of America, Resolution Specialist and XXXX XXXX Senior Resolution Specialist who were reviewing this case, kept looking for excuses inventing reasons to deny helping me. First, XXXX XXXX stated that he is unable to find disputed transaction. When I provided him with letter identifying the disputed transaction, XXXX XXXX falsely claimed that there have not been claims filed for these transactions within the allowed timeframe. When I provided him with the banks response to my dispute stating they are unable process inquiry. XXXX XXXX stop responding to my communications. Eventually he run out of excuses. Same twisty route of deception has been pursued by XXXX XXXX. She outright lied to me stating that dispute information was not received within the allotted 60-day period from which the statements showing the transactions. It is despite the creditors own letter dated XX/XX/XXXX acknowledging the receipt of my dispute. 
It appears that the creditor ( Bank of America ) either negligently or intentionally allowed to expire the timeframe to request supporting documentation from the merchant. Bank of America has failed to contact the merchant attempting to resolve this dispute within the timeframe and creditors representatives XXXX and XXXX just stonewalling the implementation of the Fair Credit Billing Act by inventing excuses or just lying outright to the credit card holder. I requested to provide me with written explanation from the merchant explaining the nature of the charges and the creditor failed to do so in the timely manner. The federal law, the Fair Credit Billing Act, provides a remedy for the consumers under outlined in Section 1666 ( e ), as follows : Effect of noncompliance with requirements by creditor - Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor.

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