Consumer complaint received 2017-11-09
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX complaint to cfpb Complainant : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX Complainee : bank of America boa, XXXX nc To cfpb XXXX XXXX ( bank of America XXXX XXXX XXXX XXXX XXXX ) complains about bank of america refusing to 1-timely dispute and 2-timely credit 4 charges of {$95.00}, {$39.00}, {$3.00} {$2.00}. 


Complainant repeatedly asked complainee to dispute above 4 charges over and over. Each time complainee claims they did not get complainants response. Repeatedly complainee harasses complainant with the same questions over and over for months. Complainant files complaint on XX/XX/XXXX with cfpb showing that he timely complied with complainees incessant, tiresome, harassing backdated demands for the same information over and over. Yet Complainee never responds to Complainants responses. This will not continue. 
Complainant gives notice that unless he gets full credit and finance charges for the above he will deduct from the balance due. Further complainant is not going to answer the same questions over and over an over again. Continued harassment from complainee will result in complainant suing complainee in small claims court. 
Complainant gives notice that he believe complainee backdates its demands for information for the sole purpose of claiming not to get a response ; hence complainant requires all communications to be by certified mail or accountable mail in order to check when the complainees demands are being sent in order to ascertain if enough time is being given for a response. But if the same information is requested over and over for the sole purpose of delaying giving complainant full immediate permanent credit, then he will sue complainee. 
This big bank fails continuously. Fails to communicate at the personal level.This is the worstcheapest, meanest, roguebank I have ever seen. Too cheap to provide anyone to speak with. You got to make an apt to speak to a bank clerk. You got to wait hour to speak to disputes. You can not tape boa but boa can taperecord me on the phone. When I asked for a credit card replacement, complainee continually said yes but actually never sent one : Why? Because I had to pass a credit check which I was never told. This is the worst parasitic bank borrowing from the people but not giving back to the peopleall for the sake of one person-the head. 
This is just like operating XXXX supermarket while losing money like a sieve : Why? Because the head takes a payoff for delivering the feckless employees and chainwithout the unioninto the hands of some entity. Everything is run down while one person comes out on top. This is the boa success story-success for the top echelon, misery for everyone else. 
If I get another response from BOA ignores this complaint because boa claims that they already answered this complaint, then I will immediately deduct the amt from the balance and sue the bank. Just tell me one more time that youve already responded to this complaint and this is the end of my complaining to boa directly and to cfpb. Because when a rogue bank wants to undermine cfpba toothless entity at bestit succeeds. Do not expect me to keep complaining while boa keeps stonewalling me. Give me the credit or give a reason not to give me the credit but do not tell me that youve already responded or we go to small claims court. Only communicate by accountable mail so I know who at boa sent me what and when. I am finished explaining the same story over and over and over. Fish or cut bait. Give me the credit in full or give me the reason why not but dont tell me youve already responded-boa never responded except to keep asking me for the same information over and over and over. Knock it off. What a rogue bank!

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