Consumer complaint received 2015-04-12
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

1. On XXXX, I had a XXXX appt which was prepaid. At the end of the appt, I placed an order totaling XXXX with XXXX. 
2. After already running my BOA card XXXX, XXXX with XXXX asked for my card again and I trusted it was for a logical reason. After the XXXX running of my BOA card, XXXX was running her mouth about all this paperwork I needed to sign. The only paper I was given was a receipt and photo pages with small black and white images. The other " legal '' paperwork I was never given a copy of. 
3. After leaving XXXX on XXXX, at home, I checked my BOA account and glamour shots had charged/authorized my acct XXXX. The enclosed paperwork proves this. I consider this a gross misuse of my bank card and immediately called and emailed XXXX that my additional order for XXXX was cancelled. 
4. XXXX told me I could not cancel and they did nothing wrong. XXXX told my Bank of America XXXX authorized my card and that this happens frequently. I have never heard that banks initiate purchases, so that was what I consider a fraudulent platform for XXXX to take. 
5. When the charges cleared, I disputed the XXXX. The additional XXXX did come off my account, but no merchant has a right to authorize and cause funds to be held for additional transactions that were not authorized, even if they come off the acct at a later date. 
6. Bank of America took my dispute of the XXXX over the phone and told me they would let me know if they needed additional info. The BOA electronic claims dept kept telling me that the claim was in research and no additional info was needed. Around XXXX, I received a " resolution letter '' that stated the claim was denied and the temp credit of XXXX was to be deducted from my acct on XXXX. I was not given a fair chance to respond to the merchant's/ merchant bank 's response. I called and told BOA the " resolution was unacceptable, and provided the proof of the XXXX authorization and cancellation of the order. 
7. On or around XXXX, I received another letter that BOA was not able to do anything else on the dispute and that I needed to contact the merchant myself. 
8. FYI, this merchantXXXX, has given me a cease and desist order, and I depend on the bank to defend my right as a consumer to cancel an order, especially within an hour of the purchase, for the valid reason of XXXX misuse of my credit card. 
9. I would like Bank of America to take responsibility for double authorizing my account, and therefore, removing the XXXX charge permanently from my account, or : Bank of America needs to defend their customer against fraudulent practices of over authorization of an approved amount and the right of a consumer to swiftly and promptly cancel an order for logical reasons. 
10. XXXX sent the cancelled order and delivered to my apt office, which I consider free product, since XXXX was told to cancel the order and no payment for the additional order was authorized. 
11. Prompt and permanent removal of the XXXX charge from my acct is required to appropriately resolve this issue. I have attached pertinent documentation. 

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