Consumer complaint received 2015-11-03
Product: Credit card — 
Issue: Billing disputes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (IL)

Credit card issued by FIA Card Services for Fidelity Investments failed to uphold XXXX protection warranty against incorrect and fraudulent charges. In XXXX of 2015 a company XXXX XXXX with whom I was doing business opened a second account without my knowledge or authorization and begin sending me XXXX shipments of their products. When discovered, a call to cancel the second account was not honored by XXXX XXXX. Upon receiving yet another shipment under this mix-up I called a second time to cancel the account on XXXX/XXXX/2015. The XXXX XXXX representative gave me such a hassle in this request refusing over and over to accept a return, I decided to completely sever my ties with the company and cancelled my other account as well. Stating I should n't have to pay to return a product I did n't order, XXXX XXXX agreed to send me a return shipping label but stated it would take them up to four weeks to do so. I immediately called the Fidelity Investments card to dispute the charge. They informed me I could n't do so without returning the merchandise. Upon exampling how I 'm damaged if I have to pay to return something I did n't order, the FIA Card Services representative said wait a day and I could then dispute the charge. Instead, I notified FIA Card Services and stated I would wait the full four weeks XXXX XXXX stated it would take them to provide a return shipping label. I called FIA Card Services approximately three weeks later to notify them I was still waiting for a return label. After the four weeks had passed and no shipping label had been provided, I called FIA Card Servcies again at which time FIA Card Services informed me they decided in my favor and informed me I could dispose of the product or do whatever I wish with it. Several weeks later I then received a letter from FIA Card Services saying they opposite saying they needed proof I had returned the product. I explained to them how I had not received a label, how I had to call twice to cancel the account which I never even authorized being opened, and they themselves [ FIA Card Services ] had told me to dispose of the product because the case had been resolved. They stated the merchant claimed I received the product because I cancelled after I received the product. However this was after the second time I called to cancel and they also failed to provide a return shipping label as promised. I then stated if the merchant provides a list of the items theyshipped and return label I will return what I can. FIA Card Services response was to send me a letter dated XXXX/XXXX/2015 that the cased was closed in favor of XXXX XXXX unless I could provide proof I had returned the merchandise. The bottom line here is simple, I nor anyone else should have to pay money to resolve an issue that was the fault of someone else. I did n't order this product, I did n't authorize the account being opened, I had to call twice to close the account, and I offered twice to return the product [ second time as best as possible anyway ] yet somehow FIA Card Services feels I 'm the one who should be damaged.