Consumer complaint received 2021-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I am writing to dispute a charge of {$2100.00} to my debit card with my Bank of America account on XX/XX/2021. I went to XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX. I went for a XXXX ( XXXX XXXX XXXX ) and the assistants guaranteed me I would start noticing results within a week. It's very embarrassing, but I have been having this problem for all of my life. I read the reviews, I talked to the receptionist while scheduling my appointment for my treatment and the receptionist also told me they have helped people from different countries with the same issue and no one has came back or called to tell them otherwise. I took that statement as though this place will help my problem with XXXX. Upon scheduling my appointment, I did ask for a price range of how much the treatment will be and the receptionist stated they didn't know and I would have to discuss the treatment price with the doctor. I went to my appointment, took a XXXX XXXX and XXXX XXXX and again was guaranteed of my problem being resolved with XXXX XXXX XXXX After taking the XXXX XXXX, the assistant then told me how much the treatment will be and again stating it will be worth it because their treatment will help and diminish my XXXX. They also stated that I need to come back every three months, {$270.00} each visit. I paid for the service and left, that was on XX/XX/2021. After using the products that was given to me and following the instructions given, there was NO difference in my breath the following week, the next week nor the the next month. At this point, I feel like the company misrepresented their services to me. I trusted their word and believed without a shadow of a doubt that XXXX XXXX XXXX were going to help me and provide me a solution to my XXXX. I paid my hardworking money, saved as much as I could, still not knowing how much the treatment was, but still was able to give them my money I worked hard for. I did try to reach out to the merchant prior to disputing the charge with my bank, but I was told I need to come in but I would need to pay for the service. Why would I pay additional money for the same service if the initial service has not worked? Today is XX/XX/2021 and till this day, the treatment still have not worked, there is no change to my XXXX, it is still the same. I don't think it's fair if I didn't receive the service I was guaranteed for and the service I paid for, I didn't receive. Most banks do favor companies when it comes to situations like this. But what about the consumers, is there anything a consumer can do when this happens? 

I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account.

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