Consumer complaint received 2024-09-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO

Complaint narrative:
Issue Summary A joint Bank of America credit card account was mistakenly flagged for disputed charges totaling {$360.00}. Despite the charges being legitimate and subsequently paid directly to the merchant, Bank of America has failed to resolve the billing dispute and provide the corresponding credit.

Detailed Timeline 1. The following legitimate purchases were made using the joint Bank of America credit card account : - On XX/XX/XXXX : XXXX XXXX XXXX, {$67.00} - On XX/XX/XXXX : XXXX XXXX XXXX, {$16.00} - On XX/XX/XXXX : XXXX XXXX XXXX, {$5.00} XXXX On XX/XX/XXXX : XXXX XXXX XXXX, {$280.00} XXXX. Upon noticing these charges, I mistakenly disputed them with Bank of America, believing them to be fraudulent. 

XXXX. As a result of this dispute, XXXX threatened to close my son 's account. 

XXXX. On XX/XX/XXXX, to resolve the issue with XXXX and prevent account closure, my son XXXX XXXX XXXX ) made a direct payment to XXXX for the disputed amount. 

XXXX. On XX/XX/XXXX, I filed a billing dispute claim with Bank of America at the Bank of America bank XXXX in XXXX, Co. I subsequently provided a bank statement showing that my son had paid XXXX directly and requested a corresponding credit from Bank of America for the disputed amounts. I uploaded the bank statement from my son showing proof that he paid XXXX. 

XXXX. Since filing the dispute, I have made several attempts to resolve the issue with Bank of America, including multiple phone calls where I've waited on hold for up to an hour at a time. 

XXXX. Bank of America has responded to XXXX of the disputes, stating that they are unable to confirm that I paid for the merchandise or service using another form of payment. They claim to have requested, but not received, information showing what form of payment, other than the credit card, was used. That is incorrect since I uploaded my son 's bank statement showing the matching charges. 

XXXX. As of XX/XX/XXXX, despite these efforts, Bank of America has not resolved the dispute or provided the requested credit. 

Actions Taken XXXX. Mistakenly disputed the charges with Bank of America when I believed them to be fraudulent. 
XXXX. Ensured direct payment was made to XXXX to prevent account closure. 
XXXX. Filed a formal billing dispute claim with Bank of America, providing evidence of the direct payment to XXXX. 
Claim IDs : XXXX XXXX XXXX XXXX XXXX. Made multiple follow-up calls to Bank of America to check on the status of the dispute.

5. Maintained detailed records of all communications with Bank of America, including dates and times of calls. 
XXXX. Submitted this dispute to the CFPB after Bank of America failed to resolve the issue in a timely manner.

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 monetary relief