Consumer complaint received 2018-10-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/18 I purchased a XXXX XXXX  sample lotion, ad said free pay only for S & H of {$4.00} when the XX/XX/XXXX bank statement came the {$4.00} charge was from XXXX XXXX. 
Then I received my XX/XX/XXXX statement which had a charge of {$89.00} from " XXXX XXXX XXXX '' I did not have a clue what this was, so I called the bank and disputed the charge. While the bank was investigating the charge. I received a package in the mail which was another 1 oz sample size of XXXX XXXX with my name, address and invoice for {$89.00} which I had not ordered. I wrote REFUSED on it and sent it back the next day. 
I called the bank to let know who the charges were from as we did not know. Then I receive my XX/XX/XXXX bank statement which had one charge dated XX/XX/XXXX XXXX XXXX XXXX for {$89.00}. And another dated XX/XX/XXXX Bal. adjusted for XXXX XXXX XXXX for {$89.00}. 
So I now have 2 charges of {$89.00} neither of which I ordered. I called the bank & was told it was in the bands of billing and noone could help me. 
Talked to 2 different men in the fraud dept. and they told me I signed and gave them my credit card number, so I owed it. Companies always say its a sample and no charge except S & H and I should know that. Then I receive about 13 pages from B of A telling me that they received the invoice from the company and everything looks valid, so I owe the amounts. I told them I will not pay it, I did not order it, and if they will not stand up for their customers, THEY CAN EAT IT. Then I received my XX/XX/XXXX. statement showing a balance forward as an unpaid balance. 
I called XXXX XXXX XXXX and nobody knows anything, they did not charge me. Then I called XXXX XXXX, XXXX not in service. Then I called XXXX  XXXX @ the number on the bank stmt, she said they were XXXX XXXX. when I started asking her questions, she got nervous. I told her to take my name off their lists and do not ever contact me again. 
She offered to discount XXXX XXXX so I could purchase more. 
I told her that I am sure she received the pkg I sent back that I refused. She said we do not take returns. So if you sent it I do not know where it went, because we do not take returns period. 
Also, everything they sent the bank is one big huge lie. They never sent me an invoice except as I said my name, address and {$89.00} charge on a tiny little invoice. I sent it back with the refused pkg. The bank said they received the invoice, they made it all up big fat lies. plus they never contacted me once. Only the one small invoice. They never called me, emailed me, absolutely nothing. Anyone can make up a phony invoice after the fact because that is exactly what they did. 
These people are lying, cheating rotten to the core, bad bad bad and need to be taken down. 
XXXX XXXX XXXX XXXX XXXX

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 explanation