Consumer complaint received 2023-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
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:
I filed a dispute with Bank of America about a purchase that was made on my card, I gave my card to a vendor to charge for cut and sew services that I requested of him, and when I received the products his work was subpar, it was so bad that I couldn't sell the blankets at all which made me incur a loss of the cost of the fabrics as well. 
I filed a dispute for the charge with BoFA and they requested a second opinion letter from another manufacturer, I got them a second opinion letter, from XXXX of the largest manufacturers in the XXXX for this type of blankets, he's a minority owned business based out of XXXX. 
Please let me take a small detour, and explain you a little about the manufacturer I reached out to for a second opinion : XXXX XXXX XXXX of XXXX XXXX, is an immigrant from XXXX, who came here with nothing, has worked very hard to build up his manufacturing business, so that he can support his family, he tried to hire as many other minorities as he can, so that they can also have work to help support their families, he's by no means rich, yet he works really hard to support his family, and support as many in his community as he can in a dignified manner by giving them jobs. 
BoFA refused to accept his letter, and asked me for another more detailed letter, when I got them the more detailed letter, they again denied my claim and said I never gave them a letter, when I called today to question them about it, an employee by the name of XXXX XXXX # XXXX told me " we can't accept his letter, because it's not on an official letterhead, it's just a typed letterhead '', when I tried explaining her that XXXX XXXX is a small minority owned business who struggles to pay his bills, and therefore can't afford to hire a designer to make him a letterhead, she refused to listen and said sorry too bad. 
I couldn't believe that a corporation like BoFA would discriminate against, and demean a hard working minority business owner " because he can't afford to hire someone to make him " proper stationary '', so I called BoFA back, and spoke to XXXX, Employee # XXXX who again started telling me how it needs to be on a letterhead with his information, address with his company name, which it does, after asking to speak to a supervisor, I received a callback a few hours later from someone called XXXX XXXX # XXXX based out of XXXX, who again started telling me that they don't approve of the letterhead XXXX uses, when I said this is really not okay the way your behaving towards a minority business owner, to disqualify him as a company because h doesn't have the funds or time to create something professional looking like BoFA, check him out, he has a registered company in XXXX, call him, reach out to him, he again refused, when I said I'm going to report this all to the federal government, he first refused to give me his name or employee number, then started threatening me that he's going to document this all ( so that when I call back they will see and know who I am )

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 explanation