Consumer complaint received 2026-04-07 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: FL

Complaint narrative:
Bank of America denied my billing dispute ( Claim ID : XXXX ) for an unauthorized auto-renewal charge of {$810.00} from XXXX XXXX on XX/XX/XXXX. BofA accepted the merchant 's rebuttal without critically reviewing the evidence I submitted or the merchant 's own contradictions. On XX/XX/XXXX, I voluntarily paid {$810.00} for a XXXX VIP membership from XXXX. On XX/XX/XXXX, the merchant auto-charged another {$810.00} WITHOUT sending any renewal notification no email, no text, nothing. I was completely unaware of this charge. In XX/XX/XXXX, I raised concerns in the merchant 's XXXX XXXX group about misleading investment recommendations. The merchant immediately removed me from the group the ONLY channel for the paid service terminating my service. Only AFTER being removed did I log into their website, discover the unauthorized XX/XX/XXXX charge, cancel the subscription, and request a refund. The merchant refused. BOFA 'S REASONS FOR DENIAL ARE WRONG : BofA said : " The charge posted before your cancellation date. '' Reality : I cancelled " late '' because the merchant NEVER notified me of the charge. I didn't know it existed until XX/XX/XXXX. This is the merchant 's fault, not mine. BofA said : " The service wasn't eligible for a refund per merchant 's policy. '' Reality : The merchant TERMINATED my service by removing me from the group. A " non-refundable '' policy can not apply when the merchant itself stops providing the service. THE MERCHANT LIED IN THEIR REBUTTAL : Lie # 1 : The merchant told BofA I " NEVER request for a refund. '' This is false. I emailed them on XX/XX/XXXX requesting a refund. They replied and refused. I submitted screenshots to BofA. Lie # 2 : The merchant claimed I was " using our service for many months. '' Their OWN login records ( Attachment 3 ) show I logged in only on XX/XX/XXXX ( registration day ) and XX/XX/XXXX ( after being removed ). An XXXX GAP with XXXX logins proving I was unaware of the XX/XX/XXXX charge and only went to their site after losing service access. ADDITIONAL CONCERNS : The merchant refused to respond to my formal XXXX refund email in XXXX. Their entire reply was XXXX XXXX characters redirecting me to XXXX, an encrypted messaging app, where they refused in XXXX deliberately avoiding a formal XXXX XXXX. The cancellation process was also deliberately obstructive Stripe would not allow me to delete my payment card even after cancellation, forcing me to substitute a different card to prevent future charges. The merchant is registered in XXXXXXXX XXXX but operates entirely through XXXX messaging apps ( XXXX, XXXX ), avoids formal XXXX communication, and is not registered with the SEC despite charging fees for specific investment recommendations. I request BofA reopen Claim XXXX and reverse the {$810.00} charge.

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