Consumer complaint received 2019-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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:
In the past when I've had a refund there have been no problems, I get my refund, the whole refund and my balance stayed as is. I've been with Bank Of America for about 35 years through various mergers etc. This account was converted around XXXX by BAC to a Power Rewards Visa ( XXXX ). As I recall in the past I could call BOA and have them just send a check for the refund amount. Not this time. On or about XX/XX/2019 I was refunded about {$2700.00} ( XXXX ) and {$900.00} ( from XXXX XXXX for a vacation I had to cancel because of a medical issue. I had 2 accounts with XXXX, one for points the other for overseas travel BOA has taken control of MY money and accounts. They have refused to refund all money due me from XXXX XXXX. BOA kept some of my money to pay off a {$930.00} credit card balance on my Power Rewards account. For as long as I can remember I've carried a small balance. I was current on that debt and even made a payment on the DATE IT WAS LOCKED.. In 35+ years I never missed a payment and every payment was on time. I told them to keep my balance as is {$930.00} ) .... not to pay it off as it was being paid on MY payment schedule and to just refund the XXXX XXXX refund amounts, there were about 4 or 5 refunds from {$160.00} to {$1700.00}. They refused to return MY money in whole. They insist they can do what they want with my money. I want them to return my full amount. 
Note that at that time my full balance was approximately {$930.00} owed and current. I tried to get this straightened out over the past 2 weeks. Their explanations were nothing more than XXXX, subterfuge and to provoke.. They have also locked me from my Travel Rewards account last 4 ( XXXX ) and Travel Rewards ( XXXX ). This has angered and stressed me ... ..they have ultimately taken control of my money and refunds, no recourse and they dictate to me what they will and won't do ... ... this boarders on criminal. Again they have also locked me from access to may account histories and tell me I no longer have online access. What? Access to my personal usage histories should be kept for a period of time to finish up situations just such as this. 
I signed up for paperless billing feeling I would or should have unfettered access to my banking records. Not so, I can't even reconcile payments to and from XXXX XXXX accurately. Who gave the banks this much power over the customer / consumer? No one even warned me this could happen. So much for an honest banker. 

Blocking the consumer in this fashion from their account information should be investigated and they should be fined. No business should have that kind of power over the consumer. 
Sorry for rambling ... ... I'm so angry I could spit. 
There are 2 accounts involved XXXX and XXXX Emails To : XXXX XXXX Account : BankAmericard Power Rewards Visa Signatu ending in XXXX Date of credit : XX/XX/2019 Amount : {$160.00} Description : XXXX XXXX XXXX FL To : XXXX XXXX Account : BankAmericard Power Rewards Visa Signatu ending in XXXX Date of credit : XX/XX/2019 Amount : {$1200.00} Description : XXXX XXXX XXXX FL To : XXXX XXXX Account : BankAmericard Power Rewards Visa Signatu ending in XXXX Date of credit : XX/XX/2019 Amount : {$270.00} Description : XXXX XXXX XXXX FL To : XXXX XXXX Account : BankAmericard Power Rewards Visa Signatu  ending in XXXX Date of credit : XX/XX/2019 Amount : {$1700.00} Description : XXXX XXXX XXXX FL To : XXXX XXXX Account : BankAmericard Power Rewards Visa Signatu ending in XXXX Date of credit : XX/XX/2019 Amount : {$160.00} Description : XXXX XXXX XXXX FL To : XXXX XXXX Account : BankAmericard Power Rewards Visa Signatu ending in XXXX Date of credit : XX/XX/2019 Amount : {$200.00} Description : XXXX XXXX XXXX FL To : XXXX XXXX Account : Bank of America Travel Rewards Visa Sign ending in XXXX Date of credit : XX/XX/2019 Amount : {$900.00} Description : XXXX XXXX XXXX FL Note above this was on the TRAVEL Card Hi, XXXX, your statement is available in Mobile and Online Banking New statement balance : {$930.00} Account : BankAmericard Power Rewards Visa Signature ending in - XXXX Date : XX/XX/2019

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 non-monetary relief