Consumer complaint received 2023-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
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 went on line and made a purchase for a floor lamp from Brightechstore.com with my Bank of America Card ( BOA ) ending in # XXXX XX/XX/XXXX After placing my order, they sent me an email that stated " Because of Covid-19, you may get your package within10-20 days after shipping. 
XX/XX/XXXX received BOA Statement on # XXXX and saw a charge from XXXX that was not recognized by me and I called and filed a fraud complaint with BOA on this charge and asked that they close this account and issue new card because this account had been compromised. They Closed this account # XXXX and issued new account card ending in # XXXX. BOA instituted and investigation into this fraud claim. BOA never requested any information or evidence that I had obtained on this fraud claim, which I am including with this complaint, nor would BOA accept any evidence from me when offered to email evidence to them of this fraud that had taken place on my account. 
XX/XX/XXXX BOA sent me a letter, stating that unfortunately they were unable to approve my claim, claim # XXXX. They supplied me with no documentation as to why they had denied my complaint. After receiving this letter, I called the fraud dept again and spent several more hours on the phone with them explaining to them that I had never received anything from this XXXX and this was a fraudulent charge on my account and that the only charge for {$70.00} was to an online company called XXXX and had never entered XXXX 's website. This was indeed a massive Fraud. 
XX/XX/XXXX XXXX emailed my a tracking # XXXX and stated that my order had been shipped and gave me a website to use to track the number with. 
XX/XX/XXXX I received another email stating that my ordered had been delivered and if you do not receive it contact your local Post Office, which I did immediately. 
XX/XX/XXXX Local postmaster ran my tracking number and informed me that it was not a valid tracking number. I sent him the received email from XXXX and he ran the tracking number again and it still did not come up valid. Yet if you ran the tracking number through the link that was provided, it showed that the product had been delivered by the USPS to my address. 
XX/XX/XXXX I sent email to Brightech.com and asked if there was another tracking number that we could use? Their reply was " It's China post. 
So sorry for what happened.That 's so weird.The status showed the parcel has delivered. 
How about we resend a new item to you? " XX/XX/XXXX After many emails Brightech.com sent me another tracking number that was fraudulent as well. Nothing has ever been forth coming on the merchandise that was ordered. 
XX/XX/XXXX BOA sent me another letter stating " Were happy to tell you that the {$70.00} temporary credit that we gave you earlier is now permanent. 
XX/XX/XXXX BOA sent me another letter that they had credited my account in error and they were now charging the above amount back to my account. 
XX/XX/XXXX Sent an email to the Abuse Dept. of BOA with attachments of my evidence that showed I never had any contact with Madses.com and that it truly was a fraudulent charge on my BOA account. 

As you will see with the information that I send you with this letter that I never had any contact with XXXX and that is truly a fraudulent charge on my credit card. I have done every thing properly as required of me to fight this fraudulent charge even to the point of writing to the abuse dept of BOA, which I have never received a reply. 
I will not ever pay this charge, which BOA will then Try and Damage my Good Credit wtih There power as a company, but they are perpetrating a bigger fraud on me a customer for over 30 years. They never gave me the opportunity to present my side of the case, they only took the information provided by the fraudulent company XXXX, which does not even exist. 
I would like for you to provide justice for me, a consumer that is being taken advantage of by Big Business namely Bank of America. 
I am attaching more compelling evidence of this fraud perpetrated on me and clearly shows that I never purchased anything from this XXXX website.

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