Consumer complaint received 2023-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit 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:
My complaint is with Bank of America, NA for its attempt to bully/force me to pay a merchant for incomplete dental work that left me permanently damaged. The merchant charged my Bank of America MasterCard. I was unable to resolve the issue with the merchant. I disputed the merchant 's charge twice with Bank of America. This is not my charge, as I did not approve it. Please see timeline below : XX/XX/XXXX - I opened a dispute with Bank of America for a credit card charge of {$2500.00} paid to The XXXX XXXX XXXX XXXXXXXX Business Office at XXXX XXXX  ( XXXX ), for incomplete dental work that left me permanently damaged. Transaction Date : XX/XX/XXXX ; Post Date : XX/XX/XXXX ; Claim # XXXX XX/XX/XXXX - I received a letter from Bank of America requesting additional information to continue investigating the {$2500.00} disputed charge. I was also asked to sign and submit a form letter from Bank of America confirming that I was disputing the charge. The deadline to submit was XX/XX/XXXX. Case # XXXX XX/XX/XXXX - I sent a written response to Bank of America for requested additional information, via the internal customer portal, thus meeting the XX/XX/XXXX deadline. 

XX/XX/XXXX - I submitted another response to Bank of America regarding a statement from XXXX, dated XX/XX/XXXX, for a {$750.00} charge. 

XX/XX/XXXX - I received a letter from Bank of America stating that the investigation was complete and that they were unable to pursue my dispute further. 

XX/XX/XXXX - I called XXXX, XXXX XXXX XXXX XXXX XXXX ) and spoke with XXXX. I told him that I was damaged by the work performed at XXXX. He apologized and said the school would clear my account. XXXX told me he would have XXXX XXXX, Head of Business Office and Billing, contact me. 

XX/XX/XXXX - XXXX XXXX called. I told him that my dental work was incomplete and that I was damaged by services at XXXX XXXX l also informed him that XXXX said my account would be cleared. XXXX XXXX said he would reach out to XXXX. 

XX/XX/XXXX - I spoke again with XXXX in XXXX. I told him my account was not yet cleared and that I still had a balance of {$2500.00}. I also informed him that I was being treated locally for incomplete work done and damages performed at the XXXX clinic. He said he would reach out to XXXX XXXX. 

XX/XX/XXXX - I called XXXX XXXX. He claimed XXXX did not receive my {$2500.00}. At this point, it appeared I was getting the runaround. No attempts were made by XXXX XXXX XXXX XXXX XXXX XXXX to ever clear my account. 

XX/XX/XXXX - I reopened my dispute at Bank of America with XXXX Business office for charges of {$2500.00}. 

XX/XX/XXXX - Bank of America responded to my reopened dispute stating that they completed a re-evaluation of my credit card dispute and that their decision to decline my claim had not changed. 

From XX/XX/XXXX through XX/XX/XXXX, I called Bank of America several times pleading my case. I asked them to remove themselves from the case, as I felt that I would have a better chance of getting a resolution by XXXX. My efforts were to no avail. Again, this is not my charge, as I did not approve it. I believe that Bank of America acted on its own by paying XXXX Business Office on my behalf for incomplete dental work that left me permanently damaged. 

XX/XX/XXXX - Bank of America charged off my account. Prior to and since, I received several phone calls and letters in an attempt to collect. 

I recently discovered that Bank of America has filed a law suit against me for the amount of {$2900.00} I had an excellent, long-standing relationship with Bank of America prior to this incident. My credit score was in the XXXX, and I always paid off my credit card balance each month. I was a great customer!

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