Consumer complaint received 2015-04-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
In XXXX 2014, I saw an ad for earning extra money doing web links. It is an XXXX week course and that I would be assigned a " coach '' and coaching staff to assist me throughout the XXXX week program. I asked how much and he answered {$18000.00} he inquired as to my bank. I was emailed a contract to sign. I tried to print a copy but it would not allow me to copy the contract until after it was signed. So, I signed the contract and forwarded it to the consultant. I then registered online with XXXX University started the introductions and my Coach called and introduced himself and made and appointment and instructions, which included webinars, video instructions and class work three nights a week. The course lasted longer than XXXX weeks, because the instructor had other things that took precedent over my training. I told the consultant, I had yet to receive a copy of my contract. Within a few days after I started the course, I received a call from XXXX XXXX XXXX, that I would need a well-built website. This of course would be at an additional cost, I negotiated {$5700.00} on the XXXX of XXXX. The goals suggested through the coaching and webinars was an XXXX Store and well as a XXXX store. To succeed with a XXXX Website, I was instructed, you need a source of XXXX shippers and you will need help advertising which is available through XXXX. I paid XXXX {$2000.00} on the XXXX of XXXX, I paid Impact Ranking {$2500.00} on the XXXX of XXXX. I had just completed the last XXXX lessons and exercises of the XXXX course. My new coach convinced me I misunderstood the assignment and directed me to redo it. I was told this would be simple and easy yet his instruction were rigorous. I received a call from yet another XXXX Consultant who noticed that I was having trouble completing the XXXX course, they told me not to worry because no one really made any real money on XXXX. I was furious at this point, especially after the long weeks of trying hard to complete the lessons. He then went on to explain " what I really needed '' which was XXXX training on how to build a XXXX website. This was news to me because I did n't even know I had a website. I was enraged. The next day I was completely cut off. No one would answer at the coaching staff number. I contacted every number I could trying to get out of this scam. After a couple of days XXXX called me, I told them I wanted a copy of my contract. I received the contract. The contract provided for the XXXX Course of study, building a website, and marketing as wells an account with XXXX XXXX XXXX. Everything I had determined I needed for the successful operation of a dropshipping Website at an additional cost to me of {$12000.00}. I had paid that exact amount to XXXX, XXXX and XXXX XXXX XXXX already. They argued the only way I could salvage the money I had spent was to complete their course on XXXX. They offered the course at no additional cost, suddenly. I took a break in XXXX but still managed to work on the XXXX store. It has yet to gross over a {$100.00} dollars annually, it is an epic failure. I have contacted visa to remedy the dispute. They simply refuse to even allow me the opportunity to dispute the charge stating that transactions are too old to dispute. But that is the scam, the company drags you along until you are outside of your waiting period, guaranteeing you are sure to get your money back in profits. I have attached documentation regarding the merchant that prove many others have been taken advantage of just like me. Please help me get my get money back. Please ensure that they open an investigation and remedy this situation. should be an exception made for me as it is fraudulent in nature. Please help me advise the credit card company that for this purpose allow they should open the investigation. XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation