Consumer complaint received 2024-12-02 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: CA

Complaint narrative:
I thought this had been settled until I received notice on XX/XX/XXXX that the disputed charges were credited to my account once again. There have been so many adjustments on the account it is difficult to understand exactly to which charges this recent notice relates. This is a single notice saying {$190.00} was put back on my account and there were XXXX charges of {$190.00} put back on my account. I have called Bank of America several times and faxed documents 5 times. I have confirmation the faxes were complete Bank of America does not acknowledge receipt. XXXXXXXX XXXX XXXX contends that I agreed to a monthly subscription, I did not- I agreed to purchase XXXX sessions at {$190.00}. No one has produced a signed document for a subscription and I have tried to supply a text trail to support my understanding of the purchase. I started the dispute on XX/XX/XXXX, received notice that the claim was complete and credit was permanent on XX/XX/XXXX, XXXX more complete notices on XX/XX/XXXX and then on XX/XX/XXXX the charges were back on my account. In my last conversation with a representative on XX/XX/XXXX, he suggested I fax the information again to XXXX fax numbers. XXXX XXXX. I called again today my choice is hold for an hour or wait for a call back. File I faxed is attached. 

I continue to dispute the following charges of {$190.00} each ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Transaction date : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transaction date : XX/XX/year> ref XXXX As stated previously, see my letter dated XX/XX/XXXX, page number these charges are not valid I agreed to and am willing to pay for the package of XXXX sessions charged on XX/XX/XXXX ref XXXX only. 
I was not told I was signing up for a recurring membership or subscription. Please see text trail page numbers As soon as my card was charged a second time, I reached out to the person who sold me the package and his response was your cancellation should have went through Ill ask one of our managers to look into it and make sure you get a refund.

I made several calls to the manager, I also called the merchant number listed on the transaction XXXX never got a human, a recorded message said I needed to contact my local club. 

During the dispute process my card was charged again on XX/XX/XXXX. This charge makes no sense at all in that it does not follow their story of a subscription and I have not set foot that facility since XX/XX/year>. 

I appreciate the copy of the Cancellation Policy included with the denial of my dispute; please note that this is not a signed document, this is not proof that I was informed. This is not information I would have accepted had it been disclosed. 

Thank you for your assistance 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 monetary relief