Consumer complaint received 2019-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
On XX/XX/XXXX, I purchased a XXXX XXXX product from a XXXX ad, which had mentioned the product was seen on XXXX XXXX. It was {$4.00}. The transaction forced you to order a supplementary product for an additional {$5.00}, which I thought was odd but I'm not used to using XXXX and ordering on line. I used my Bank of America Credit Card. When the products arrived I tried to look up the company to inquire about the second product but none of the phone numbers went through and the package did not include any contact info. I let it go. 

However, the next month, there was an automatic shipping of the same two products, this time billed {$94.00} and {$89.00}. I called Bank of America, knowing that I could not reach the company as I tried the month before, and I was told by XXXX XXXX think that is the right name ) that B of A could not dispute it until I tried to resolve it with the supplier. 

So I researched all over again on the internet ( and saw that someone else had filed a complaint against the supplier for same double billing ), found some numbers and after about two hours reached someone who absolutely would not refund the money but would refund 50 % of the next order which had already been shipped to me XXXX XXXX shipment ). I refused to accept that. I even told them to send me a copy of the contract that stated no reimbursements and they never did. I then called Bank of America again. This time I was told ( by XXXX I believe XXXX that Bank of America does not dispute. I asked why not since all other credit card companies do and I don't recall the ridiculous answer she gave me. I therefore canceled the card and said I would write to the President of B of A. 

On XX/XX/2019 XXXX health issues delayed the letter ) I sent the attached letter to XXXX XXXX XXXX. Note that the letter clearly says that I was not running away from my obligation, but because Bank of America does not dispute, ( and I asked to see where my agreement with them said that ) I was hoping for settlement with a lesser amount. 

I eventually spoke with XXXX, and all she would say is that because I agreed to a settlement with the company ( they did apply 50 % credit for the last order but I did not accept that resolution with them ), Bank of America could not offer me any assistance. I asked why they don't dispute and she said they do dispute if you don't settle with the vendor. I asked her why I was told that they didn't dispute from their customer service representative. She didn't explain. So I asked her to pull the two telephone conversations I had with Bank of America and for her to get back to me. 

To this day I have heard nothing other than getting a letter that my account is now in collection with XXXX XXXX XXXX with a balance of {$510.00} including all late fees. If they did sell this debt for pennies on the dollar, why couldn't they just admit mistake and offer me a lesser amount to settle. Now I fear this has gone on my credit report and if so, I want that removed.

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