Consumer complaint received 2017-10-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
Consumer Complaint Department : I have spent over a year trying to resolve a charge with Bank of America. I have had my fill. I have spent several of my days off dealing with this dispute and I thought I had finally resolved it back in XXXX of this year, XXXX. Only to discover the other day when I received an email from Bank of America sent to me with a bill showing I owed on the " closed credit card '' a balance in the amount of {$89.00}. After resolving this matter in XXXX supposedly. I will never ever pay this amount of which I do not owe. They can spend a fortune on customer service reps. I still will not pay. 

I simply could not believe it. I have spent so much time on this one transaction. I was promised by Bank of America 's customer service reps that it was over finalized and closed. The first time I closed the credit card or rather tried to the girl talked me into opening another credit card of Bank of America 's and she would close that charge on the other. Which is not funny because when I recieved the other card and looked at the account online they just transferred the amount over. So of course I made no other transactions on that card and closed it too. 

I closed the account supposedly in XXXX on the XXXX XXXX card by the way never ever had a fare deal as promised I would have. XXXX and there fare club was another crock of lies as well. I was told at that time the dispute on the card had been resolved and I was told the balance was closed out. I even called the face cream company with which billed me and they too said it was closed that they credited my account. Because I offered in XXXX of XXXX to return the face cream back to them for I could not afford it after they advertised the cream was free and the only charge was for shipping and handling. I have spent hours on hold with Bank of America and other hours speaking to customer service representatives regarding this matter and still no matter what I do or say or for that matter what they say or promise to do the bill keeps coming back. It is downright harassment. I had only one transaction on this credit card with Bank of America. It was the transaction for an online order for " free '' face cream. It was advertised as being free because it works so good they are sure once you try it you 'll like it and then purchase it. But right now they are giving it away, the only charge for the order will be a {$4.00} shipping and handling fee. Which I had no problem paying. 

I was charged on the card for each item a {$4.00} shipping and handling fee, which I paid. Then the next month after I had received the " free '' cream I see on my credit card a charge for {$89.00} for each of the two " free '' creams. This has been a total nightmare and an absolute horror story. You can bet I will never order another free item. 

I want to file a complaint. I am now ready to put my precious time and energy into filing a consumer complaint against Bank of America for harassment and deceptive and fraudulent business practice. I would also like to file a complaint against the XXXX XXXX XXXX company because they advertised the cream was a " free '' sample. I offered to send the cream back because I could not afford that kind of money for face cream. They declined the offer and promised to credit my account. But apparently they did not follow through as promised. 

I will do what ever it takes to complete this consumer complaint. 

I have spent over an hour on hold just today trying to get through to the customer complaint department at Bank of America after being transferred to three different customer service representatives and being told I would have to speak to the next level about my complaint and about this charge on my account. I have spoken to so many customer service representatives and have gotten absolutely no where. They hand me off to the next rep. after promising me the next rep. can help me. It is downright horrible business practice. I will never, ever do business with Bank of America again!!! Never. You ca n't even do business with them through messages online, you have to go through the phone to deal with them. Spend all your time on-hold waiting in line. 

Here is the Bank of America Direct Claims Service Department : XXXX. Good Luck. See if you can get through.

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