This complaint is in connection with complaints XXXX ; XXXX ; XXXX XXXX, let me thank the CFPB for having this system to document my complaint. The purpose of this complaint is to summarize my experience with XXXX XXXX and Bank of America/Visa in connection with the unauthorized billing of {$490.00} to my credit card account for services I never received nor do I want. There are several facts that have come out and I have learned a lot over this complaint cycle. Maybe at the least it will help others that have a similar experience with XXXX XXXX and their credit card company. In my opinion, and for various facts discovered and as stated below, XXXX XXXX is a dishonest company and improperly states their services and billing practices. 
1 ) XXXX XXXX commits consumer fraud and games the financial system by, a ) pre-billing consumers for things they do not want or need ; b ) defending this practice by lying to the credit card company stating that the billing was for contractual services delivered to the customers address. The fact is the {$490.00} is a pre-billing for the next year of consulting services that I do not need or want and never provided a credit card for this billing ; 2 ) XXXX XXXX stole my credit card information to activate the {$490.00} pre-billing from Bank of America /Visa by getting access to my credit card information in violation of financial laws and rules and consumer privacy rights by, a ) lying to the credit card company by stating they have a billing contract with me for the right to bill a credit card for services rendered even though I did not provide them with the credit card info and they never rendered any service to me as the {$490.00} is a pre-billing for future services, b ) they received my credit card information from Bank of America Visa without my authorization and violated my privacy ; 3 ) Bank of America to date has refused to accept my claim of fraud by XXXX XXXX and remove the pre-billing fee of {$490.00} and in my view has become complicit in XXXX XXXXs fraud as they claim to be following industry regulations even though they are now aware of the facts ; 4 ) My situation is no different than a person that experiences identity theft from an illicit organization hiding behind a computer screen stealing their information and placing unauthorized charges on their accounts and claiming the charge is for services delivered ; 5 ) Bank of America/Visa  is no different than the latest XXXX XXXX scandal of providing user personal information to outside organizations without the users knowledge or permission ; 6 ) XXXX XXXX is no  different than XXXX XXXX in billing customers for things they do not want or need without getting permission and even after the customer stated they did not want their services ; 7 ) XXXX XXXX billing practices are no different than someone robbing me and my family by using a scheme to defraud the financial system by lying about how their services are billed and delivered making them out to be something they are not and knowing that the system will work in their favor ; 8 ) If XXXX XXXX correctly stated to Bank of America/Visa how their services are billed and delivered they would not be awarded the ability to rob me.