Consumer complaint received 2022-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
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:
To Whom It May Concern : My Bank of America account statement ending in XXXX and later XXXX shows a payment, a balance of {$12000.00}, that should have not been made. I am writing to tell you that the payments were unauthorized charges. Therefore, I am filing a complaint with the Consumer Financial Protection Bureau against Bank of America, Specifically, I authorized debits to a cosmetics company in Hawaii by the name of XXXX, in error, and under duress on XX/XX/2022, but revoked the authorization on XX/XX/2022. Immediately after I received the " product '' and realized that the company was charging me for unauthorized charges I sent the unopened product back via XXXX  XXXX. I asked Bank of America to close my account and not accept any new charges. I paid the undisputed charges and no longer have any outstanding balances. Despite the fact that I have been a long-time customer with Bank of America they refuse to support me in my position and are unfairly charging me these bogus and egregious amounts. The charges are in error because the items were refused, the company XXXX employed deceptive practices when I was " sold '' these items. I can provide XXXX  XXXX Proof of Delivery, tracking information, documentation of shipment with delivery dates, and copies of reviews from many customers showing they were defrauded with similar incidences as my situation. Furthermore, according to the Hawaii Unfair Deceptive Trade Practices Act, this is fraud. XXXX misinformed me about the product which was returned and the way the situation was dealt with was egregious. They pulled the wool over my eyes and did not inform me what I was signing. Their representative pulled me in off the street and delivered a high-pressure sales pitch. This is not buyers remorse, it is fraud. According to the attached reviews on XXXX and XXXX XXXX XXXX, this company has a pattern of deception and has scammed many other customers in a similar fashion. If the packages were returned to them unopened and I do not have the product, I do not see why XXXX, and Bank of America are charging me for a " product '' that I don't have. I am filing this complaint and requesting that the error be corrected with the credit card companies and that any finance charges will be waived. I will await confirmation that you will be reversing these unfair charges. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX Arizona XXXX ATTACHMENTS Hawaii dispute XXXX  ( XXXX XXXX XXXX Hawaii XXXX XXXX proof of delivery - second package.XXXX ( XXXX KB ) XXXX  credit card documentation XXXX ( XXXX KB ) XXXX XXXX XXXX Proof of Delivery XXXX ( XXXX XXXX XXXX Bank of America - Written notice of the unauthorized debtXXXX  ( XXXX KB ) XXXX XXXX  XXXX proof of delivery - first packageXXXX ( XXXX KB ) XXXX XXXX XXXX  XXXX ( XXXX MB ) View full complaint

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