Consumer complaint received 2017-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI
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:
I had a car accident of my XXXX XXXX on XX/XX/XXXX. My insurance company XXXX XXXX rented a car for me from XXXX in XXXX, RI. When I picked the car, XXXX asked me to put my credit card as the deposit for any accident on the rental car. Only when I have another accident on the rental car, XXXX will charge my card for the rental car damage for a possible new accident, which is a normal way when someone is renting a car. The car was rented for me by my insurance company, I did not pay anything for the rental ; my credit card signed there was not for anything of rental, but just for any potential accident occurs. 


My car was in XXXX XXXX XXXX for repair and XXXX XXXX XXXX received more than {$17000.00} from my insurance company, but they did not really do the work in the right way. They kidnapped my car for about four ( 4 ) months. Before the first month was over, I called and went there many times, and told them my rental car was only for 30 days and they have to finish the repair on my car by then. The owner and other workers there all told me on phone and face to face that they will rent the car for me. 


When it was 30 days of rental, I called XXXX XXXX XXXX, and they told that thy have rented the car for me in that XXXX, told me do not worry as the rental is paid by them. So I did not sign any rental agreement in XXXX. The XXXX XXXX XXXX and that XXXX are on the same street, only about 0.2 mile away, they might doing fraud together. I saw numerous times the Manager of that XXXX in XXXX XXXX XXXX office and even in the workshops, including the day my car was rented. As the XXXX XXXX XXXX rented the car for me after the first 30 days, I did not rent or sign any paper to rent a car from XXXX. 


On a raining Friday afternoon in XX/XX/XXXX, I went to XXXX XXXX XXXXy to check if the repair on my car, I saw the Manager of XXXX XXXX was in the body shop, hiding in the back corner of the owners desk. She felt very embraced when I saw her hiding there. Then three of us, the owner of the body shop, XXXX and me, had a brief talk and it was clearly agreed that all the rental fee will be charged to XXXX XXXX XXXX and has nothing to do me, as the body shop kept my car too long time, and they promised they pay all the rental fee. So, three of us all agreed the rental fee will be paid by XXXX XXXX XXXX and has nothing to do with me. At end of the meeting I repeated to XXXX it is completely clear that the rental fee will be paid by him, and nothing to do with me, XXXX nodded her head and said yes. I asked again All set?, she replied all set. 


On a Saturday XX/XX/XXXX, I went to XXXX XXXX XXXX again, the car was still not ready, I asked the owner to write down his promise that he will pay all the rental of the car. He immediately wrote the promise on paper, see the attachment. 


After that rental car was returned to XXXX, the XXXX XXXX XXXX rented another car ( the third one ) for me till the time I got my repaired car back to me. For that rental car, I just provided my drive license info, and they never asked for my credit card info. It was rented by XXXX XXXX XXXX, same thing as the second rental car. I do not sign anything for either the second or the third rental car. The XXXX XXXX XXXX kidnapped my car for about four ( 4 ) months. 


Afterword, that XXXX called me and told me they charge rental fee for my second car to my credit card. I immediately told them that was the fraud. I told them the car was never rented by me and I never signed anything to rent a car from that XXXX ; there was a meeting that raining Friday in XXXX XXXX XXXX with their manager XXXX, and XXXX and the owner of XXXX XXXX XXXX, and all clearly agreed that it is the XXXX XXXX XXXX responsible and pay for the rental fee ; I also have the written promise by the owner of the body shop. They told me XXXX XXXX XXXX had not paid, so they charged to me. I told them thats nonsense, as I never rented any car. My three rental cars were all rented by other companies ( XXXX XXXX and XXXX XXXX XXXX ) rented for me. I never signed anything. That was a fraud and they knew it extremely well. 


Because I give my credit card to XXXX on XX/XX/XXXX for the deposit of possible accident, they used my card info to charge me for the rental that XXXX XXXX XXXX rented for me since XX/XX/XXXX. I asked XXXX to show me any paper I signed in XX/XX/XXXX, they could not. XXXX is doing fraud. They said because XXXX XXXX XXXX did not pay the rental, they had to charge to me. It is absolutely nonsense. If XXXX XXXX XXXX owes them money, they should go through debt collector to go with XXXX XXXX XXXX ; how could they charge to me? I never rented any car from any company during that four months. 
XXXX XXXX XXXX knew all those details, but they are doing fraud, put the fake charge to my card. That is FRAUD! I disputed that charge {$1200.00} numerous times since XX/XX/XXXX. They said they removed it, then later they put the fake charge back. I even once talked XXXX XXXX XXXX VP of customer service, and he saw the dates were conflicting, because my signature was XX/XX/XXXX, but the car rental charge for starting date in XX/XX/XXXX. That was obviously fraud. That VP told me to write a letter to their Headquarter, and I did. They told me numerous times that they had removed it, but later they still put it back to my credit card. XXXX XXXX XXXX is doing fraud. 


Because the XXXX XXXX XXXX fraud on my credit card, my credit score has dropped from XXXX to XXXX in the past months. It resulted huge damage to my financial life. And all those was because the fraud and the XXXX XXXX XXXX has been cheating and doing the fraud. 
I told the XXXX XXXX XXXX numerous times : Show me the paper I signed for rent the car in XX/XX/XXXX., but they never could show me anything. I never signed for any of the three rentals, according what they charge me for the second rental of the {$1200.00}?

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