Consumer complaint received 2019-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/XXXX my card was charged {$4400.00} when the purchase was {$440.00}. The merchant took my card, entered the transaction, and returned my card without a receipt. OnXX/XX/XXXX my statement read {$4400.00}, at which point i tried contacting the merchant, with no luck. I called my credit card company Bank Of America, and opened a fraud claim, as the amount that was reflected or input by the merchant was fraudulent. I went through the fraud process, and on XX/XX/XXXX was told that because the card was present at the establishment, it was not fraud. I asked them to reopen the case because I wanted to see the receipt with my signature acknowledging the debt of {$4400.00}. I received a call from Bank Of America on XX/XX/XXXX, saying that the case was going to be closed because again, the chip was read and that the card was present. When I inquired about the receipts, they stated that is not what the fraud department investigates, they only investigate if the card was lost, stolen, etc, even though I stated the card was out of my possession when the purchase was made, though it was subsequently returned without a receipt. They told me to open another case with Billing Disputes, which I tried to do on XX/XX/XXXX. When I called them, they told me that there was nothing I could do, other then have them reach out to the merchant for the receipts, which the merchant was not obligated to do. If there was no receipt provided within 60 days, the case would be closed. I asked them to do this, which they then came back and stated that because the CHIP was read at the establishment, they could not make this request. They said that there was no recourse for me for two reasons, one being that the CHIP was read, and two, without a receipt, they would not move forward. I was stunned to learn that the consumer has no recourse if the CHIP is read and a receipt is not obtained. I continued to say that the card was not in my possession when the merchant used it, and that a receipt was never provided. They said there was nothing I could do. I then asked them for an address because I wanted to send a certified letter as proof of acknowledgement that I had reached out to Bank of America to dispute this erroneous charge, with the possibility of litigating. They ( XXXX at BOA ) began giving me a XXXX XXXX , which certified letters can not be sent to. When I asked for a physical address to send the letter to, she said she did not have one. She continued to state there was nothing else she could do for me, that there was no address she had in which she could provide me to receive a certified letter. After much back and forth, I moved on to this course of action, submitting this to CFPB. WIth no recourse, and no help from those at BOA to resolve this issue, I am left going this route. 
The charge was {$4400.00} on XX/XX/XXXX at XXXX XXXX XXXX, NY, NY.

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