Consumer complaint received 2022-08-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened a charge dispute for about {$6500.00} and presumably due to staffing shortages, the bank would not resolve my issue even within 90 days. At 100 days, I finally got XXXX a supervisor on the line, but even he could only message the back office that makes the decisions. Then the furniture company who is the other party, mailed me a letter saying to take delivery or else get a 5 % monthly storage fee. So, I had to choice but to accept their offer of a 50 % cancellation fee. This is unfair as I cancelled the WRITTEN contract within 67 hours and the cancellation policy is 72 hours. They said the date on the written contract doesn't mean anything and the date of the phone order deposit is the important one. I sent both the bank and the furniture company XXXX XXXX XXXX  showing I XXXX XXXX XXXXXXXX times for XXXX  XXXX XXXX XXXX, which has a XXXX XXXX XXXX XXXX, but they don't care that I need the money for doctors and expenses. They are dog-eat-dog and the bank will not get involved. They make more money from companies than regular folks. Originally, I ordered the set while living near XXXX and waited nine months for it to come in, in boxes from XXXX, this was not a custom order. Half the set arrived, but the other did not, so they had to cancel it because they could not reroute to MI, where I had to move for speciality care. So, I already paid a steep price of waiting for the items. Then in MI, this local store tricked me when I called to ask if they could get it in. The saleslady said yes, we're a special corporate store and we'll have it in 4-6 weeks, but later I learned they are the same kind of store as my previous one. That deadline came & went and they kept asking me to wait longer. Then they asked me to sign a written contract, which I did, but called the store and cancelled with the manger within 67 hours. First she said I met policy and would cancel it, then changed her mind thirty seconds later and said she'd stick with the original phone order date, even though they fudged about the store 's ability and missed the delivery date. The local store interprets all the facts only in their favor and they will do & say ANYTHING to win. They're like gamblers, trying to stay in the game at all costs. They even created a fake log of contacts with me, where they " quote '' me as saying I'll call a lawyer and file a lawsuit, etc. They must have a script ready for all disputes. These sales girls will take the last cent from all of us even on our deathbeds. I don't understand why B of A won't support my claim as I followed policy and the written contract. Judges & courts always go off of the written contract - not the phone order for the deposit. That's the standard. B of A cost me 50 % of this dispute, if the furniture company will even give me that much now- I sense they are going for a grand slam to take 100 % of it. B of A should be responsible to pay me my losses of this 50 %. They have issues or staffing shortages in this department and they promised me many times that at the 90-day mark, they would make a finally decision as by law, they must. But they noticed my health situation and knew they could take advantage of me- probably wanting my whole bank balance.

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 monetary relief