Consumer complaint received 2019-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
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:
XXXX Dispute Statement XX/XX/XXXX Purchased XXXX XXXX {$4500.00} Ref # XXXX Foreign Fee {$130.00} To Whom It May Concern, I contacted Bank of Americas credit card customer service already and was able to open a dispute in regards to XXXX  being shut down by the FTC for scamming thousands of people out of thousands of dollars but the case was closed just a day or so later because the purchase exceeded the allotted time frame for disputes. 
I am asking that a full investigation to be done in regards to the XXXX purchase on my Bank of America Credit Card and services not delivered. The representative from Bank of America stated that she was familiar with the shutdown of XXXX  and the lifetime services that were not delivered, so I am going to tell my story. 
Of course I was one of the people who went all in, Diamond level over {$60000.00} but the only charges on my Bank of America Credit Card was for the Silver-Gold level. I am attaching the contract that states that it is a lifetime access to what they call an educational product. I only had access for one year and everything they promised was nothing but lies. 
In XX/XX/2018 XXXX was shutdown by the FTC for scam. Promising to teach customers how to build an online business from scratch using a 21 step proven business model. They assigned you what they call a personal coach to walk you through the steps but what the coach turned out to be was a professional salesman, persuasion and con artist. 
Your coach focused on your weakness then convinced you that all your problems will be solved if you complete these 21 steps and invest in XXXX. 
For me I wanted so badly to stay home with my XXXX kids that my coach used my weakness on his daily calls almost everyday. The days he didnt he claimed that I could be making 5-6 figures a month using XXXX Proven Business Model.  Guaranteeing that I would be able to make my investment back in 30 days. 
I put my heart and sole into trying to figure out how to build an online business with little to no return. The training that XXXX offered had no value so I spent 8-9 hours a day trying to figure out how to make this work so I could regain my investment. 
I followed everything that they said to do, spent thousands more on what they call XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX only to have every social media platform shut me down. It has been a horrendous experience. 
The crippling debt of over {$60000.00} with XXXX had been a huge burden on my family of XXXX. I have been able to open disputes with all 7 credit cards they had me apply for and use to finance this product due to the time purchased I was shut down by all until I submitted through cfpb and was hoping Bank of America could do the same. 
I have been an outstanding customer of yours for years and was hoping you could look a little further into the XXXX shut down and reopening this dispute for a full investigation. I would really appreciate any and all help you could offer. 
I am attaching the purchase emails, contract, and links to the FTC shut down and the XXXX page. The XXXX   has taken over every website that XXXX  owned and you can not contact XXXX customer support. FTC Website https : XXXX XXXX   Website XXXX XXXX XXXX I would be happy to send you any other documents you need and again from the bottom of my heart I appreciate any and all help in this matter. 
Thank you

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