This letter is in response to DENIAL on my claim, Case number : 1. XXXX  of account number ending in : XXXX   That I Initiated on XX/XX/2018 of a total sum of {$170.00} due to me being a victim of FRAUD SCHEMES.

2. XXXX of account number ending in : XXXX That I Initiated on XX/XX/2018 of a total sum of {$530.00} due to me being a victim of FRAUD SCHEMES.

3. XXXX  of account number ending in : XXXX That I Initiated on XX/XX/2018 of a total sum of {$5700.00} due to me being a victim of FRAUD SCHEMES I have the legal right to a full and proper investigation under The Fair Credit Billing Act and The Truth In Lending Act Federal Law.

I do feel that my rights have been violated due to not receiving a proper and fair investigation under my circumstances. BOA has failed me by NOT conducting a reasonable investigation of my dispute accordion to the Law.

I Initiated my claim on XX/XX/2018 by calling BOA where I explained my situation of what my claim was all about and also expressed that I was aware that I was over the time of a dispute but under the circumstances of my claim they felt that my case needed to be investigated. The person in the dispute department opened a case for my dispute and told me I should be receiving a letter in the mail in a few days asking for more information. I also followed up with a dispute letter.

On XX/XX/2018 I started to receive message for addition information that I provided but I choose to fax this information and not upload online because I had a very bad experience with BOA while using that method of communication. They would open A dispute today and by the next day they would close it and deny and I would have to start all over again and the same thing would happen. So I decided to use mail or fax as a method of communication. I have already received a full credit From BOA of XXXX for a different BOA credit card related to this same company after filling a complaint with CFPB.

I spoke to XXXX with barge # XXXX from the dispute department about me not agree with there finds regarding this matter and also let him know that I had received a full credit From BOA of XXXX   for a different BOA credit card related to this same company after filling a complaint with CFPB and I wanted to give them opportunity to do the right thing by conducting a full and fair investigation about this claim but he still said that they couldnt help me any further on this claim.

BOA didnt Investigated my claim. They used frustration tactics so one can give up on their claim.

There is no way that a fair and complete investigation was contacted in one to two days in some cases. BOA will open a claim today and close and deny the following day. They will give you two days or less to respond to there demands by asking you to upload documents and if you dont they close you case and deny you claim and now you have to call them to find out what going on and it takes time to get to the right department and if you speak to them and ask them to reopen you case and let you upload your documents they say you have to send them by mail and then when they get them they will open the case and later on they open it but dont let you upload but by the time they receive the document by mail they have denied you already. They have no intention of helping you there main goal is frustrating you to giving up the pursue of your claim. I have been I loyal consumer of BOA for many years with no incident and am very shock of how they treat their customers.

I am a victim of fraud schemes and I purchased educational service ( which I though that would be beneficial to my life ) with XXXX that cost me over {$60.00} thousand of which I paid over {$6400.00} using this BOA credit card. I paid the rest using other different cards and those credit card companies have been very helpful and understanding and some have give me a full credit after their investigation and others are still investigating my claims as I write this. I have provided everything that I could get about this case to BOA but still not enough.

Some of this money that am claiming in this complaint is money I own other credit card company because I did a balance transfer to that company and I need to pay them back.