Consumer complaint received 2022-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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'm a small business owner who made a purchase ( for {$8700.00} ) with a designer in XXXX after I visited her showroom in XXXX and went through her new collection. She sent me less than half of my order and they are all defective and I am not able to sell them at all. I sent all the photos and detailed explanations to the designer and asked her to pay for return shipping so I can return them to XXXX and I requested the full refund. She refused accepting the return and at least refunding the rest of my money.She never responded back to my email and I sent all the documents to Bank of America to dispute the charge. They put the temporary credit back to my account and only because I did not physically return the 3 boxes to XXXX, they returned the whole credit back to the merchant and closed this case! I still have the 3 boxes of defective items, all the photos, and the email scripts between me and the merchant. Bank of America closed this case without even going through the details and asked me to take this case outside of bank. 

As a small business owner, I can't afford hiring a lawyer. All I need is Bank of America re-open this case and reconsider the arbitration. 

Again, this is only part of my order! The merchant has the rest of my money in her account and she refused to refund me! This is a very obvious violation and scam and apparently, Bank of America does not want to support their client. I had to almost shut down everything for my business because I can't afford this amount of money at this moment. 

I am happy to provide all the details about what is wrong with every single item that I have received. After 8 months, all these items smells like cigarette! The bowties are falling off the clothes and all the fabrics are changed. There are a few items that are used and we have found used air-buds and masks in their pockets. One is the merchant 's trench coat and she admitted that she has been looking for it. But they all have the new tag attached and sent to me as a new item. There are also missing belts and detached bottoms and ..... She changed the fabric and sizing of these clothes on her own decision which is against her own " Distance Sale Contract '' on her website. These changes were made after I paid for them and the merchant did not even tell me that she is going to make these major changes! And many more details .... 

I'm happy to provide more evidence such as photos, the order details, and the emails between me and the merchant and the irresponsible responses from the merchant denying everything. I just need my money back and I don't think I should be responsible for the paying another $ XXXX ( at least ) to ship these defective items back to XXXX. Again, this is only part of my order. The merchant has the rest of my money! 

Bank of America closed this case ONLY because I did not return these items. However, I attempted to return them but the merchant refused answering my email when I asked for returning and refunding. 

I'm a young woman who just started an online small business and lost this big amount on money in the most unfair way! 

I'd appreciate any help with this case! 

Thanks!

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 monetary relief