Consumer complaint received 2021-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, I received a sales call from the subject company offering XXXX, a dietary supplement of 60 capsules, which promotes XXXX, for a total sum of {$6.00}. I agreed and was turned over to another representative offering a 2nd dietary supplement, entitled XXXX for the same price of {$6.00}. I agreed to the purchase and both were charged to my Bank Of America Visa card. 

In XX/XX/2021 I received my visa statement which had the billing of the 2 supplements which arrived about the same time. See Attachment ( 1 ). There were 2 acceptable billings from XXXX and XXXX for the amounts of {$6.00} and {$6.00}, respectively. A phone number from California was printed next to charges : XXXX for both companies. 

In XX/XX/2021 I received my visa statement which now included the charges from these 2 companies ( or same organization ) of {$110.00} and {$110.00}. See Attachment ( 2 ). I promptly called Bank of America for support to counter the fraudulent charges on my visa. Bank of America took action cancelling my card and agreed to reverse the charges ( {$110.00} X 2 ). I worked with XXXX representatives to send me a new card/codes. 

I called the company to gather information and they claimed the {$110.00} X 2 was for a subscription ( XXXX supplements ), which would be billed monthly. ( Not sure how many months. ) I discussed that I never authorized any such matter. The representative indicated since I did not call up and cancel with 14 days of the test trial of supplements, the subscription would commence. She said this was written on their website. I let her know I had never been to such website, nor led to look at it, nor any discussion on subscriptions or trials. She then offered the subscription ( s ) at half price, and then tried to convince me to remove the dispute with the credit card company. 

I contacted U. S. Representative XXXX XXXX XXXX to report and identify what I believe is a fraudulent and bold activity. Their office kindly referred me to reporting this matter to the : Federal Trade Commission, Consumer Financial Protection Bureau, as well as complain to Bank of Americas Office ( which I already had accomplished verbally ). 

On XX/XX/XXXX, XXXX I receive a letter from Bank of America indicating, unfortunately were unable to approve some of the transactions that are part of your credit card fraud claim. Also in this letter, The merchant provided documentation confirming you received the merchandise or service. See Attachment ( 3 ). I had received 2 bottles of each merchandise as mentioned in the 2nd paragraph above, which were agreed upon at {$6.00} each. 

I called Bank of America Fraud Division and spoke at length to a representative explaining my position. She was not able to identify the evidence cited in the letter ( attachment 3 ), nor the address of the company. I also looked up online my current visa statement and noted Bank of America added back in {$110.00} on XX/XX/2021, under the title of Fraud Dispute. See Attachment ( 4 ). I suspect that if I do not pay this bill which is now incorporated into my new visa card code, my credit rating will be damaged permanently. I called the Bank of America Fraudulent Division again, and spoke with XXXX, who re-initiated ( XX/XX/2021 ) my fraud claim. I plan to continue to contest the charge with Bank of America, report these episodes to the Federal Trade Commission, Consumer Financial Protection Bureau, as well as report back to U. S. Representative XXXX XXXX Office on the results.

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