Consumer complaint received 2021-10-04
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
BNY Mellon/XXXX XXXX was properly notified of a dispute regarding a contract for a product/asset that became collateral on a security interest when I initiated/authorized ( held to ensure future payment ) a transfer in the amount of {$6000.00}. ( Contract & evidence provided ). The merchant did not perform on the contract so I have requested BNY Mellon to reverse/void the transfer.

( Pages 1-6 ) This exhibit is an examination of the Debit Card Agreement and Disclosure Statement Terms and Conditions for my Visa Debit Card Account provides that BNY Mellon is responsible for the Administration of the Debit Card Service for said account, via XXXX Bank , a national, or any successor bank. The terms and conditions also show me exactly what Federal Regulations and Statutory laws apply to the governing of the contract. The contract tells me that I need to report my disputes within 60 days, unless I have a good reason for that time to be extended. It says the timeframe will be extended. The contract also makes a shaky attempt to make me liable for losses that the FDIC is responsible for, but loss must be placed with the proper entity based on the laws of Equity. I will not be held responsible for any loss that is insured. It can not be shifted through contract agreement and must be amended. I reserve all my rights. Especially to those related to the value of the Equity I have secured interest in.

( Page 7 ) This exhibit is a letter that was sent to me from an ambiguous party called " Card Services '' in an unofficial attempt to notify me of a determination for a dispute that was never investigated. The notations indicate the issues taken with the entire letter, including its contents and lack of signature.

( page 8 ) This exhibit shows my complaint with the Office of the Comptroller of Currencies for reference only. The complaint is being resubmitted with these details. 
( pages 9-11 ) This exhibit shows the currently posted procedures for the payment processor the Merchant used in this transaction. I did not employ any processor service, I simply used the method of payment provided to me. The obvious way to resolve my dispute is to complete the chargeback process with the payment processor as their guidelines clearly allow for the bank to execute its duty to service my account as stipulated in my Debit Card Agreement.

( page 12 ) This exhibit is an unofficial description of the Visa Claims Resolution process. It is simple enough to comprehend. 
( pages 13-14 ) This exhibit shows the applicable statutory law governing the Debit Card Agreement in the Commonwealth of Pennsylvania. They clearly stipulate that this transaction can be voided. Further explanation is provided on the exhibit.

( pages 15-16 ) This exhibit shows the chargeback process for the Merchant which BNY Mellon never initiated to gather any evidence from the Merchant. 
( pages 17-25 ) This exhibit shows the email exchange I had with XXXX XXXX , Sr. Dispute Analyst, who completely failed/refused to provide the requested service to my account. I advised her several times that my request is within the regulations, yes she has regurgitated the same invalid response repeatedly.

Company response to consumer: Closed with explanation