Consumer complaint received 2017-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
Bank of American credit card. 

I have tried working with Bank of America several times regarding two transactions. 

On XX/XX/XXXX I agreed to reserve a 10 person mobile home for an event " XXXX XXXX XXXX XXXX ''. The 10 person trailer was supposed to be available XXXX XXXX - XXXX, XXXX. Nowhere on the charge does it state it was non-refundable. The reservation was with, XXXX XXXX. The mobile home was supposed to be setup and available at the XXXX XXXX XXXX. The amount charged was XXXX. Credit Card transaction reference # XXXX. 

On XX/XX/XXXX I agreed to purchase tickets to the event " XXXX XXXX XXXX XXXX ''. Nowhere on the charge does it state it was non-refundable. The ticket purchase was through XXXX XXXX. Credit Card transaction reference # XXXX. Please see attached documents. 

It was discovered that XXXX XXXX had fraudulently advertised and taken money for an event that was not going to happen. The owners of the event had been arrested and the BBB had publicly notified everyone of the fraudulent activities. Please see attached documents. 

I immediately contacted Bank of America to ask for a refund. They returned the charge dated XX/XX/XXXX onXX/XX/XXXX but after contacting XXXX XXXX they reversed my credit on XX/XX/XXXX,  citing that XXXX XXXX said the event was still going to go on and all charges were non-refundable. 

I have continued to produced documents and statements of how the event was a fraud from the beginning and do not understand why Bank of America consistently is listening to the owners of XXXX XXXX. XXXX XXXX was updating their website to state all charges were non-refundable after they were found out to be frauds. It is well documented in the news that the owners have been arrested on Federal Charges. 

The last advice I was given was to wait until the event date passed to then submit that the event or services were never provided. 

On XX/XX/XXXX I called Bank of America yet again to state services were not rendered and they told me I could not submit another dispute on the same charges that I had previously submitted and that there was nothing they could do for me. XXXX from TN, their representative said there was nothing they could do for me. It was too old and I had already tried. 

My compliant is that Bank of America is not looking out for it 's customers. This will cause me to use a different credit card who will fight for it 's customer. Bank of America should have looked at the details of the complaints and not arbitrarily listened to XXXX XXXX who are obviously out fraudulently getting people 's money. 

I would like Bank of America to provide me a credit against XXXX XXXX 's account since services were never rendered due to this being a fraudulently offer of services never intended to be served.

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